These documents are being provided to you for informational purposes only.  There are two parts to our Cardholder 
        Agreement:  The Pricing Information Addendum and the Cardholder Agreement.  The Pricing Information Addendum 
        shows a range of terms that may be offered on new accounts.  The terms that apply to you will differ depending on 
        your specific card offer.  The Cardholder Agreement contains important information related to consumer credit cards 
        issued by The Bank of Missouri.  Pricing is accurate as of September 2019. 
      
                                                    PRICING INFORMATION ADDENDUM 
      
      
      Interest Rates and Interest Charges 
       Annual Percentage Rate (APR) for  22.74% - 36%, based on your creditworthiness.  
       Purchases 
       
       APR tor Cash Advances    25.74% - 36%, based on your creditworthiness.  
       
       APR for Balance Transfers  25.74% - 36%, based on your creditworthiness.  
        
       Penalty APR              None 
       
       Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will 
                                not charge you interest on purchases if you pay your entire balance by the 
                                due date each month. We will begin charging interest on cash advances and 
                                balance transfers on the transaction date. 
       
       For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
       Consumer Financial Protection  credit card, visit the website of the Consumer Financial Protection 
       Bureau                   Bureau at www.consumerfinance.gov/learnmore. 
      
      Fees 
                              
       .  Annual Fee            $49.00 to $175.00; after that $0 to $49.00 annually. 
                              
       .  Account Maintenance Fee  $60 to $159 annually billed at $5.00 to $12.50 per month after the first year. 
                              
                              
       Transaction Fees 
                              
       .  Balance Transfer      3.0% of the amount of each transfer after the first year. 
                              
       .  Cash Advance          Either $5.00 or 5.0% of the amount of each cash advance, whichever is 
                                greater. 
       .  Foreign Transaction   3.00% of each transaction amount in U.S. dollars. 
                              
       Penalty Fees 
                              
       .  Late Payment 
                                Up to the maximum fee permitted under Section 12 C. F. R. 1026.52(b)(1)(ii) ($39 as of 
                                January 1, 2019). See monthly statement for current fee.  
       .  Returned Payment 
                              
                                Up to the maximum fee permitted under Section 12 C. F. R. 1026.52(b)(1)(ii) ($39 as of 
                                January 1, 2019). See monthly statement for current fee.  
          How We Will Calculate Your Balance:  We use a method called "average daily balance (including 
          current transactions)."  See the additional terms and conditions in your Cardholder Agreement for more 
          details. 
      
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
          the additional terms and conditions in your Cardholder Agreement. 
          Variable Rate: If you have a variable rate APR, your APR will be calculated by adding a Margin of 
          17.49% to 30.75% to the Prime Rate (the index rate).  Variable rate APRs will vary with the market 
          based on the Prime Rate.  As of August 2019, the Prime Rate (as defined in your Cardholder 
          Agreement) was 5.25%. 
           
          Fixed Rate: If you have a fixed rate APR, your APR will not vary with the market. 
          Authorized User Fee: Will impose a fee of $25 for each Authorized User that you name. The fee will be 
          imposed annually for each authorized user. 
      
            Required Minimum Payment Calculation: Greater of (a)(i) 1% of your outstanding balance at the 
            end of a billing cycle or (ii) $25.00, plus (b) current interest and fees, plus (c) the greater of (i) any 
            past due or (ii) any amount by which your balance at the end of a billing cycle exceeds your credit 
            limit (see Cardholder Agreement for more information on your minimum payment). 
                                           MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
            CARDHOLDER                     �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
             AGREEMENT                     �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
            NY RESIDENTS: RETAIL 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
             INSTALMENT CREDIT             �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                AGREEMENT                                                     acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        U.S. VIRGIN ISLANDS RESIDENTS  PLEASE 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        READ THIS:  The provisions titled �Using Your 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        Account,� �Disputed Payments-Postdated 
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Checks, Restrictive Endorsement Checks and 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        Other Disputed or Qualified Payments,� 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �Changes in Terms,� �Assignment; Transfer,� 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        �Arbitration Provision� and �Billing Rights 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        Notice� restrict or reduce your rights.
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
        any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.   balance.        dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as              you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that                     ROBERT, MO                           either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for                believe the bill is correct.       pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  action against you involving this Agreement.        error:                               1.  The purchase must have been made in your 
        in Missouri.                       Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU ACKNOWLEDGE THAT YOU HAVE      us; or an action brought by you.  If you successfully                   � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use        interest on that amount.           advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS.                the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER                NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen:                          purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,                                       In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.               AGREEMENT                            number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE.              agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.                           unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement.        bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  creditor is incurred.        payment is                         we cannot report you as delinquent without also 
        regarding the status of your account.                                   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO RESIDENTS: Oral agreements or   name and address and the date on any Application or  is wrong.          reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
        forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
        MILITARY LENDING ACT DISCLOSURE: Federal 
        law provides important protections to members of the 
        Armed  Forces  and  their  dependents  relating  to 
        extensions of consumer credit.  In general, the cost of 
        consumer credit to a member of the Armed Forces 
        and his or her dependent may not exceed an annual 
        percentage  rate  of  36  percent.   This  rate  must 
        include,  as  applicable  to  the  credit  transaction  or 
        account:  The costs associated with credit insurance 
        premiums;  fees  for  ancillary  products  sold  in 
        connection with the credit transaction; any application 
        fee charged (other than certain application fees for 
        specified credit transactions or accounts); and any 
        participation  fee  charged  (other  than  certain 
        participation fees for a credit card account).  To hear 
        disclosures related to the Military Lending Act, please 
        call this toll-free number:  1-866-816-6994.
        COVERED MILITARY BORROWERS: If you are a 
        �covered  borrower,�  as  defined  under  the  Military 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the 
        �Arbitration Provision,� (ii) any waiver of right to legal 
        recourse under any state or federal law and (iii) any 
        other  provision  in  this  Agreement  that  is  not 
        enforceable against you under the Military Lending 
        Act  does  not  apply  to  you  so  long  as  you  are  a 
        �covered borrower.�
        GENERAL  This  Cardholder  Agreement 
        (�Agreement�)  governs  the  use  of  your  revolving 
        credit account (your �Account�).  In this Agreement 
        and in your monthly billing statement (�Statement�), 
        �we,� �us,� �our� and �Bank� refer to The Bank of 
        Missouri, including, as applicable, our successors, 
        assignees and representatives. �You,� �your� and 
        �Cardholder� refer to the person who applied and was 
        approved for the Account and, as appropriate, all 
        persons authorized to use the Account.  �Application� 
        refers to any (i) written or Account.  �Application� refers 
        to any (i) written or that you signed or otherwise 
        submitted for this Account or (ii) oral request for credit 
        and a Card, resulting in this Account. �Card� refers       
        to any credit card, Account number or
 MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
        Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
        acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
        at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
        What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number.     � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
         � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
 MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
 MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question                                            MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
                                           �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
                                           �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
                                           �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                                                              acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
        any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.   balance.        dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as              you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that                     ROBERT, MO                           either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for                believe the bill is correct.       pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  action against you involving this Agreement.        error:                               1.  The purchase must have been made in your 
        in Missouri.                       Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU ACKNOWLEDGE THAT YOU HAVE      us; or an action brought by you.  If you successfully                   � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use        interest on that amount.           advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS.                the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER                NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen:                          purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,                                       In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.               AGREEMENT                            number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE.              agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.                           unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement.        bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  creditor is incurred.        payment is                         we cannot report you as delinquent without also 
        regarding the status of your account.                                   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO RESIDENTS: Oral agreements or   name and address and the date on any Application or  is wrong.          reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
        forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question         MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
        law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
        Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
        extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
        consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
        and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
        percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
        include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
        account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
        premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
        connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
        fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
        specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
        participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
        participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
        disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
        call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                           Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
        COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
        �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
        �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
        recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
        other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
        enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                   terms of this Agreement. You promise to make all 
        Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
        �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                           acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
        GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
        (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
        Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
        electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
        or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
        request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
        �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
        we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
        any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
        may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
        Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
        payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
        check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution.     (�Grace Period�) on Purchases.  This means you have                   to a Foreign Transaction Fee, the amount of the fee is 
                                           at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
        Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
        address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
        our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
        contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
        devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this           otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
        ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
        this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO                  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error:        1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if              � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
        you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                           What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
        agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
        void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,           In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT             number.                             � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                            � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
        766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe.                   point, if we think you owe an amount and you do not 
        granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is    we cannot report you as delinquent without also 
 regarding the status of your account.      scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
        BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
        Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
        acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
        at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
        What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number.     � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
         � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
        payment for any reason, then to avoid a late payment 
        charge, you must promptly send a certified check or 
        money order to the �Payment Address� shown on the 
        front of your monthly statement, or, if offered, you may 
        take  advantage  of  any  pay  by  phone  or  online 
        payment service that we may make available to you 
        from time to time.  If you make an alternative payment 
        by postal mail or by pay by phone or online service 
        while you are enrolled in an Automatic Payment Plan, 
        we may treat such payment as an additional payment 
        and  process  your  next  Automatic  Payment  Plan 
        payment  as  scheduled  or  may  reduce  your  next 
        Automatic Payment Plan payment by the amount of 
        any such additional payment received.
        Instructions  for  Mailed  Payments  If  you  pay  by 
        check or other written instrument, all payments, except 
        disputed amounts, must be mailed or delivered to us at 
        the  address  for  payments  shown  on  your  monthly 
        statement. Payments received at the address on the 
        payment coupon by 5:00 p.m. Central Time, Monday 
        through Friday (except legal holidays) will be credited 
        to your Account as of the date received. Payments 
        must be received with the payment coupon (bottom 
        portion)  of  your  statement  in  the  enclosed  return 
        envelope.  If  payments  are  received  at  any  other 
        location or without your payment coupon, crediting of 
        those  payments  to  your  Account  may  be  delayed. 
        Payments must be made to Payment Processing, 
        P.O. Box 790156, St. Louis, MO 63179-0105, or any 
        other address designated by us.
        Notice  About  Electronic  Check  Conversion.  By 
        providing a paper check as payment, you authorize us 
        to use information from your check to make a one-time 
        electronic  fund  transfer  from  your  account  or  to 
        process the payment as a check transaction.  When 
        we use the information from your check to make an 
        electronic fund transfer, funds may be withdrawn from 
        your account as soon as the same day we receive 
        your payment, and you will not receive your check 
        back from your financial institution.        MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
        law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
        Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
        extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
        consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
        and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
        percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
        include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
        account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
        premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
        connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
        fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
        specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
        participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
        participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
        disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
        call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                           Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
        COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
        �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
        �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
        recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
        other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
        enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                   terms of this Agreement. You promise to make all 
        Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
        �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                           acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
        GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
        (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
        Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
        electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
        or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
        request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
        �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
        we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
        any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
        may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
        Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of  applicable  law,  we  will  apply  payments  first  to  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted  posted to your Account and finally to Purchase  to  your  Account  and  finally  to  Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement  Endorsement Checks and Other Disputed or  Checks  and  Other  Disputed  or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
        payments marked �paid in full,� �without recourse,� or  payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement.  Agreement. All notices and written  All  notices  and  written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications  communications concerning postdated checks,  concerning  postdated  checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  restrictive  endorsement  checks  (including  any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed  disputed amount) or any other disputed,  amount)  or  any  other  disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming  or  qualified  payments,  must  be  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept  late,  postdated  or  partial  payments  without  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing  your  Account.  (A  postdated  check  is  a  governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
        check  check dated later than the day it was actually  dated  later  than  the  day  it  was  actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution.     (�Grace Period�) on Purchases.  This means you have                   to a Foreign Transaction Fee, the amount of the fee is 
                                           at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
        Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
        address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
        our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
        contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
        devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this           otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
        ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
        this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO                  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error:        1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if              � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
        you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                           What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
        agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
        void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,           In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT             number.                             � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                            � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
        766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe.                   point, if we think you owe an amount and you do not 
        granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is    we cannot report you as delinquent without also 
 regarding the status of your account.      scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
        BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
        INTEREST   INTEREST  
        Interest When your Account has an outstanding  Interest   When  your  Account  has  an  outstanding   
        balance,  balance, we will assess periodic interest using a  we  will  assess  periodic  interest  using  a 
        monthly periodic rate of interest.  The monthly periodic  monthly periodic rate of interest.  The monthly periodic 
        rate is determined by dividing the annual percentage  rate is determined by dividing the annual percentage 
        rate (�APR�) by 12.  Your APRs, and corresponding  rate (�APR�) by 12.  Unless otherwise stated in your 
        Pricing Disclosure, your APRs, and corresponding 
        monthly periodic rates, will vary with the market based 
        monthly periodic rates, will vary with the market based 
        on the Prime Rate, but no APR will exceed an annual 
        on the Prime Rate, but no APR will exceed an annual 
        percentage  rate  of  36%.  See  the  accompanying 
        percentage rate of 36%.  See the accompanying 
        Pricing  Disclosure  for  the  APRs  and  any  �per 
        Pricing Disclosure for the APRs and any �per 
        transaction�  interest  charges  applicable  to  your 
        transaction� interest charges applicable to your 
        Account.  Interest will be imposed in amounts or at 
        Account.  Interest will be imposed in amounts or at 
        rates not in excess of those permitted by law.
        rates not in excess of those permitted by law.
        Balances Subject To Interest  We figure the interest  Balances Subject To Interest  We figure the interest 
        charge on your Account by applying the applicable  charge on your Account by applying the applicable 
        monthly periodic rate to the �average daily balance� of  monthly periodic rate to the �average daily balance� of 
        your Account.  We calculate the average daily balance  your Account.  We calculate the average daily balance 
        separately for each type of balance (e.g., separately  separately for each type of balance (e.g., separately 
        for  for  Purchases,  Purchases,  for  for  Cash  Cash  Advances  Advances  and  and  for  for  each  each 
        balance  subject  to  special  terms  such  as  Balance  balance  subject  to  special  terms  such  as  Balance 
        Transfers).  For each type of balance, we take the  Transfers).  For each type of balance, we take the 
        beginning balance each day (including accrued but  beginning balance each day (including accrued but 
        unpaid  unpaid  interest  interest  charges),  charges),  add  add  new  new  transactions  transactions 
        (including  purchases,  cash  advances  and  balance  (including  purchases,  cash  advances  and  balance 
        transfers) and any applicable fees, and subtract the  transfers) and any applicable fees, and subtract the 
        applicable portion of any payments or credits.  This  applicable portion of any payments or credits.  This 
        gives us the daily balance for each type of balance.   gives us the daily balance for each type of balance.  
        Then, we add up all the daily balances for a particular  Then, we add up all the daily balances for a particular 
        type of balance for the billing cycle and divide the total  type of balance for the billing cycle and divide the total 
        by the number of days in the billing cycle.  This gives  by the number of days in the billing cycle.  This gives 
        us the �average daily balance� for that type of balance.   us the �average daily balance� for that type of balance.  
        When  Interest  Begins  To  Accrue,  Grace  Period   When  Interest  Begins  To  Accrue,  Grace  Period  
        Except  Except  as  as  provided  provided  below,  below,  Purchases,  Purchases,  Cash  Cash 
        Advances  and  Balance  Transfers  begin  to  accrue  Advances  and  Balance  Transfers  begin  to  accrue 
        interest from the date of the transaction (or, at our  interest from the date of the transaction (or, at our 
        option, from the date they are posted to your Account)  option, from the date they are posted to your Account) 
        and continue to accrue interest until the charge is paid  and continue to accrue interest until the charge is paid 
        in full.  You will have at least a 25 day grace period  in full.  You will have at least a 25 day grace period 
        (�Grace Period�) on Purchases.  This means you have  (�Grace Period�) on Purchases.  This means you have 
        at least 25 days from the closing date on your monthly  at least 25 days from the closing date on your monthly  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  on  the  monthly  statement  for  the  previous  billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  period,  subject  to  subsequent  adjustment,  as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is  no  time  period  within  which  you  can  avoid  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will  calculate  interest  for  each  cycle  as  described  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are  are subject to deferred interest (�Promotional  subject  to  deferred  interest  (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period  period as shown in the Deferred Interest Charge  as  shown  in  the  Deferred  Interest  Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation  Calculation notice on the front of your monthly  notice  on  the  front  of  your  monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the  from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge)  Charge) will be added to your regular Purchase  will  be  added  to  your  regular  Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later. 
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.  opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity. 
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below). be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit. 
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).  will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly. 
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.  made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification. 
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
 we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we  your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.  service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law. We may terminate further  Authorization Agreement for Automatic Payments your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.  will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, Fee, the amount of the fee is shown in  the amount of the fee is shown in the
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying the accompanying Pricing Disclosure.  Annual  Pricing Disclosure. Annual fees
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter fees  appear on your first monthly statement and 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on thereafter on the anniversary date of your Account  the anniversary date of your Account as long as
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your  Account as long as your Account is open or you have an  is open or you have an outstanding
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance. outstanding balance.  Annual Fees are not  Annual Fees are not refundable, except as
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable refundable, except as  provided below or as 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law. otherwise required by applicable law.  Annual Fees  Annual Fees reduce the amount of credit you
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. reduce the amount of credit you have available for 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we  use. 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is Account Maintenance Fee If your Account is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed subject an Account Maintenance Fee, the amount of  in the accompanying Pricing Disclosure.
 any such additional payment received. Qualified Payments You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance the fee is disclosed in the accompanying Pricing  Fees are billed each month as
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long Disclosure. Account Maintenance Fees are billed  as your  Account is open or you have an
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest We figure the interest  is no time period within which you can avoid  outstanding each month as long as your Account is open  balance. Your payment of an Account
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance or you have an  Fee does outstanding balance.  Your  not affect our right to close
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your payment of an Account Maintenance Fee does not 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account. affect our right to close your Account or our ability 
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we  to limit transactions on your Account.
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, Balance Transfer Fee If your Account is subject to  the amount of the fee is disclosed in the
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing a Balance Transfer Fee, the amount of the fee  Disclosure. The Program Fee
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is is disclosed in the accompanying Pricing  a one-time fee that you must pay at account
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. Disclosure.  Balance Transfer Fees are charged on 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge  each Balance Transfer.  This fee is deemed 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a additional interest and will be added to your Balance 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer balance.   Transfer  Fee, the amount of the fee is
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.  during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure. 
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance Cash Advance Fee  If your Account is subject to 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer. a Cash Advance Fee, the amount of the fee is  This fee is deemed additional interest and
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  disclosed in the accompanying Pricing 
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the  Disclosure.  Cash  Advance Fees are charged 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee each time you obtain a Cash Advance.  This fee is  If your Account is subject to a
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period  Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed deemed additional interest and will be added to your 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in Cash Advance balance.   the accompanying Pricing Disclosure. Cash
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance. Foreign Transaction Fee  If your Account is  This fee is deemed additional interest
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  subject to a Foreign Transaction Fee, the amount of 
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as  the fee is disclosed in the accompanying Pricing 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee Disclosure.  If your Account is subject
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure. 
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus. 
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
 our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS  changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and  Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.  landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES If, when you applied for your Account  terms in the manner specified at the time of notice.  balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.  above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com, http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim  attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay  remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay  administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness  is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying  Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees  Continued Effect of Arbitration Provision. This 
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation  Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit  portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as  you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.  error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT  void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
 � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account. scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.  organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question                                            MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later. 
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.  opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity. 
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below). be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
                                           �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
                                           �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
                                           �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                                                              acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit. 
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).  will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly. 
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.  made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification. 
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.  service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law. We may terminate further  Authorization Agreement for Automatic Payments your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.  will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use.
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure. 
        any such additional payment received. Qualified Payments You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.  during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure. 
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period  Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure. 
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus. 
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS  changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and  Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.  landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.  balance.         dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.  above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com, http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim  attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay  remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay  administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness  is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees  Continued Effect of Arbitration Provision. This 
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation  Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit  portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as              you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that                     ROBERT, MO                           either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for                believe the bill is correct.       pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  action against you involving this Agreement.        error:                               1.  The purchase must have been made in your 
        in Missouri.                       Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU ACKNOWLEDGE THAT YOU HAVE      us; or an action brought by you.  If you successfully                   � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use        interest on that amount.           advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS.                the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER                NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT  void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen:                          purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,                                       In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.               AGREEMENT                            number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE.              agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.                           unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement.        bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  creditor is incurred.        payment is                         we cannot report you as delinquent without also 
        regarding the status of your account.                                   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO RESIDENTS: Oral agreements or   name and address and the date on any Application or  is wrong.          reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.  organizations know when the matter has been 
        forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question         MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
        law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
        Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
        extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
        consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
        and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
        percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
        include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
        account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
        premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
        connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
        fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
        specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
        participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
        participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
        disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
        call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                           Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
        COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
        �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
        �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
        recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
        other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
        enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                   terms of this Agreement. You promise to make all 
        Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
        �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                           acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
        GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
        (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
        Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
        electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
        or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
        request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
        �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
        we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
        any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
        may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
        Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
        payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
        check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution.     (�Grace Period�) on Purchases.  This means you have                   to a Foreign Transaction Fee, the amount of the fee is 
                                           at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
        Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
        address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
        our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
        contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
        devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this           otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
        ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
        this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO                  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error:        1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if              � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
        you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                           What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
        agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
        void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,           In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT             number.                             � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                            � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
        766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe.                   point, if we think you owe an amount and you do not 
        granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is    we cannot report you as delinquent without also 
 regarding the status of your account.      scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
        BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
        Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
        acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
        at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
        What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number.     � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
         � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question                                            MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
                                           �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
                                           �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
                                           �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                                                              acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
        any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.   balance.        dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as              you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that                     ROBERT, MO                           either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for                believe the bill is correct.       pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  action against you involving this Agreement.        error:                               1.  The purchase must have been made in your 
        in Missouri.                       Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU ACKNOWLEDGE THAT YOU HAVE      us; or an action brought by you.  If you successfully                   � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use        interest on that amount.           advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS.                the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER                NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen:                          purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,                                       In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.               AGREEMENT                            number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE.              agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.                           unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement.        bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  creditor is incurred.        payment is                         we cannot report you as delinquent without also 
        regarding the status of your account.                                   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO RESIDENTS: Oral agreements or   name and address and the date on any Application or  is wrong.          reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
        forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question         MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
        law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
        Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
        extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
        consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
        and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
        percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
        include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
        account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
        premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
        connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
        fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
        specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
        participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
        participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
        disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
        call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                           Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
        COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
        �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
        �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
        recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
        other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
        enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                   terms of this Agreement. You promise to make all 
        Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
        �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                           acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
        GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
        (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
        Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
        electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
        or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
        request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
        �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
        we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
        any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
        may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
        Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
        payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
        check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution.     (�Grace Period�) on Purchases.  This means you have                   to a Foreign Transaction Fee, the amount of the fee is 
                                           at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
        Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
        address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
        our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
        contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
        devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this           otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
        ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
        this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO                  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error:        1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if              � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
        you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                           What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
        agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
        void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,           In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT             number.                             � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                            � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
        766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe.                   point, if we think you owe an amount and you do not 
        granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is    we cannot report you as delinquent without also 
 regarding the status of your account.      scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
        BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
        Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
        acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
        at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
        What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number.     � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
         � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question                                            MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
                                           �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
                                           �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
                                           �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                                                              acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
        any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.   balance.        dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement  Agreement and the amounts contracted for,  and  the  amounts  contracted  for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be  governed  by  such  laws.   We  extend  credit  be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant  pursuant to Section 408.145 of the Missouri  to  Section  408.145  of  the  Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised  Statutes.   You  agree  that  this  loan  is  Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that  made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your 
        in Missouri. in Missouri.          Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU  YOU ACKNOWLEDGE THAT YOU HAVE  ACKNOWLEDGE  THAT  YOU  HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN  EXACT,  COMPLETELY  FILLED  IN,  LEGIBLE  AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS. AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER  NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT    1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,  2.  YOU  ARE  ENTITLED  TO  AN  EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  COMPLETELY  FILLED  IN  COPY  OF  THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.  AGREEMENT YOU SIGN.  AGREEMENT                    number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE. THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.  amounts.                 unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  MD  RESIDENTS:   You  have  the  right  under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  receive  an  answer  to  your  written  inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
        regarding the status of your account. regarding the status of your account.     scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO  MO RESIDENTS: Oral agreements or  RESIDENTS:  Oral  agreements  or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
        forbear  forbear from enforcing repayment of a debt  from  enforcing  repayment  of  a  debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question         MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
        law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
        Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
        extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
        consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
        and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
        percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
        include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
        account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
        premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
        connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
        fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
        specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
        participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
        participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
        disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
        call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                           Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
        COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
        �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
        Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
        �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
        recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
        other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
        enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                   terms of this Agreement. You promise to make all 
        Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
        �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                           acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
        GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
        (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
        credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
        and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
        �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
        Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
        successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
        �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
        applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
        appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
        Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
        electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
        or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
        request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
        �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
        we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
        any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
        may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
        Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
        payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
        check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution.     (�Grace Period�) on Purchases.  This means you have                   to a Foreign Transaction Fee, the amount of the fee is 
                                           at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
        Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
        address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
        our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
        contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
        devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this           otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
        ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
        this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us  us (creditor) from misunderstanding or  (creditor)  from  misunderstanding  or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  disappointment,  any  agreements  we  reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  covering  such  matters  are  contained  in  this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  writing,  which  is  the  complete  and  exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO                  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH  NH RESIDENTS:  This Agreement provides for  RESIDENTS:   This  Agreement  provides  for  believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action  action against you involving this Agreement.   against  you  involving  this  Agreement.   error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
        you prevail in any action, suit or proceeding brought by  you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert  a  partial  defense  or  set-off,  recoupment  or  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                           What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
        agreement are subject to applicable law, they may be  agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void,  void, unenforceable or inapplicable in some  unenforceable  or  inapplicable  in  some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase.
        void, unenforceable or inapplicable in New Jersey.  void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,           In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT AGREEMENT   number.                             � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                            � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
        766.59 or a court decree under section 786.70  766.59  or  a  court  decree  under  section  786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  adversely  affects  the  interest  of  the  creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not 
        granted, is furnished a copy of the agreement,  granted,  is  furnished  a  copy  of  the  agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.      scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
        BUYER/CARDHOLDER  Your name and address, our  BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
        Agreement.  An electronic record of your request for or 
        acceptance of an Account or the consummation of a 
        sales transaction under this Agreement can represent 
        your signature on this Agreement. 
         
        CREDITOR  /s/  THE  BANK  OF  MISSOURI,  ST. 
        ROBERT, MO
        Rev. Date:  September 2019
        BILLING RIGHTS NOTICE
        Your Billing Rights: Keep This Document For Future 
        Use
         This  notice  tells  you  about  your  rights  and  our 
         responsibilities under the Fair Credit Billing Act.
        What To Do If You Find A Mistake On Your Statement
         If you think there is an error on your statement, write 
         to us at:
         Account Services Dispute Resolution 
         P.O. Box 105374
         Atlanta, GA  30348-5374 
         In your letter, give us the following information:
          � Account information:  Your name and account 
         number.
         �  Dollar  amount:   The  dollar  amount  of  the 
         suspected error.
         � Description of problem:  If you think there is an 
         error  on  your  bill,  describe  what  you  believe  is 
         wrong and why you believe it is a mistake.
         You must contact us:
         � Within 60 days after the error appeared on your 
         statement.
         � At least 3 business days before an automated 
         payment is 
         scheduled,  if  you  want  to  stop  payment  on  the 
         amount you think 
         is wrong.
        You must notify us of any potential errors in writing.  
        You may call us, but if you do we are not required to 
        investigate any potential errors and you may have to 
        pay the amount in question. MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  1.  Within 30 days of receiving your letter, we must  Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. you if we have already corrected the error. that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  either correct the error or explain to you why we  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. believe the bill is correct. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  While we investigate whether or not there has been an  To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: error: 1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. report you as delinquent on that amount. mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  �  The  charge  in  question  may  remain  on  your  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement,  and  we  may  continue  to  charge  you  statement, and we may continue to charge you  necessary if your purchase was based on an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. interest on that amount. advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  �  While  you  do  not  have  to  pay  the  amount  in  � While you do not have to pay the amount in  company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  question, you are responsible for the remainder of  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. your balance. purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit limit.  credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: happen: purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. related to that amount. at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  have to pay the amount in question, along with  P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment  is  due.   We  may  then  report  you  as  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. you owe. point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days  bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so,  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those  reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations  organizations know when the matter has been  know  when  the  matter  has  been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us. settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question  have to pay the first $50 of the amount you question  MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
 law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
 Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
 extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
 consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
 and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
 percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
 include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
 account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
 premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
 connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
 fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
 specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
 participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
 participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
 disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
 call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
 Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
 COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
 �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
 Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
 �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
 recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
 other provision in this Agreement that is not  any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
 enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your  terms of this Agreement. You promise to make all 
 Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
 �covered borrower.� any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
 acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
 GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
 (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
 credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
 and in your monthly billing statement (�Statement�),  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
 �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
 Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
 successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
 �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
 applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
 appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
 Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
 electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
 or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
 request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
 �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
 payment is cleared.  otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
     we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
 Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
 further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
 time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
 decrease or remove) the Credit Limit for your Account  cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
 from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
 and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
 Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
 may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
 to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
 making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
 established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
 information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
 proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
 make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
 any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
 If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
 will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
 Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
 upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
 increase requests. limitation of applicable law, if you are in default, we    your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
 may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
 You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
 inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
 Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
 SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
 special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
 special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
 transactions.  The period of time that special terms  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
 may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
 to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
 offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
 transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
 acknowledged and agreed to the terms disclosed at  accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
 the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
 differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
 formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
 necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
 applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
 disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
 fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
 modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
 payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
 charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
 money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
 front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
 take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
 payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
 from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
 by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
 while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
 we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
 and process your next Automatic Payment Plan  Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
 payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
 Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
 any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
 payments marked �paid in full,� �without recourse,� or  only part of the New Balance by the due date.  There  long as your Account is open or you have an 
 Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
 check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
 disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
 the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
 statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
 payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
 through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
 to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
 must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
 portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
 envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
 location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
 those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
 Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
 P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
 other address designated by us. governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
 check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
 Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
 providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
 to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
 electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
 process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
 we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
 electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
 your account as soon as the same day we receive  postdated check. and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
 your payment, and you will not receive your check  in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
 back from your financial institution. (�Grace Period�) on Purchases.  This means you have  to a Foreign Transaction Fee, the amount of the fee is 
 at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
 Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
 transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
 converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
 additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
 Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
 balance.   we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
 Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
 Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
 payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
 amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
 Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
 lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and  us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
 that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
 exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
 address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
 Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
 prohibited by law, if any payment is dishonored or  Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
 returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
 the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
 Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
 amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
   our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
 Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
 allowing access to another person who is not  charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
 responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
 amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
 the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
 User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
 User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
 an Authorized User. Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
 contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
 REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
 interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
 account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
 Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
 After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
 are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
 responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
 your Account.   reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
 devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
 CONSENT TO RECEIVE ELECTRONIC  send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
 DISCLOSURES  If, when you applied for your Account  terms in the manner specified at the time of notice.   balance. dispute or controversy (whether in contract, tort, or 
 or accepted an offer and verified your eligibility for an  No new term or change in the terms of this  otherwise), past, present or future, (collectively, 
 "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
 a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
 serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
 substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
 organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
 is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.   on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
 ARBITRATION. Except as set forth below, the  proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
 Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
 Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
 we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
 Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
 on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
 reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
 written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
 Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
 affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
 Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
 30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
 your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
 Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
 reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
 Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
 Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
 event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
 timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
 delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
 individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
 state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
 that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
 appealed to a different court, either party may elect  fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
 arbitration. Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
 this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
 Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
 Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
 RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
 NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
 (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
 BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
 ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
 TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
 PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
 COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
 REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
 legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct. even if your bill is correct.
 Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit  Your Rights If You Are Dissatisfied With Your Credit 
 charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases Card Purchases
 be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services  If you are dissatisfied with the goods or services 
 pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as    you if we have already corrected the error. that you have purchased with your credit card, and  that you have purchased with your credit card, and 
 Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem  you have tried in good faith to correct the problem 
 made, executed and delivered in Missouri and that  ROBERT, MO either correct the error or explain to you why we  with the merchant, you may have the right not to  with the merchant, you may have the right not to 
 we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for  believe the bill is correct. pay the remaining amount due on the purchase. pay the remaining amount due on the purchase.
 and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true: To use this right, all of the following must be true:
 charges in, and receive all payments in our offices  action against you involving this Agreement.   error: 1.  The purchase must have been made in your  1.  The purchase must have been made in your 
 in Missouri. Reasonable attorney's fees will be awarded to you if  � We cannot try to collect the amount in question, or  home  state  or  within  100  miles  of  your  current  home state or within 100 miles of your current 
 you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have  mailing address, and the purchase price must have 
 YOU ACKNOWLEDGE THAT YOU HAVE  us; or an action brought by you.  If you successfully  � The charge in question may remain on your  been more than $50.  (Note: Neither of these are  been more than $50.  (Note: Neither of these are 
 RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary  necessary if your purchase was based on an  if  your  purchase  was  based  on  an 
 AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use interest on that amount. advertisement we mailed to you, or if we own the  advertisement we mailed to you, or if we own the 
 COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.) company that sold you the goods or services.)
 AGREE TO ITS TERMS. the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the  2.  You must have used your credit card for the 
 What To Do If You Find A Mistake On Your Statement your balance. purchase.  Purchases  made  with  cash  advances  purchase. Purchases made with cash advances 
 NOTICE TO THE BUYER  NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your  from an ATM or with a check that accesses your 
 agreement are subject to applicable law, they may be  to us at: credit limit.  credit card account do not qualify. credit card account do not qualify.
 1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.   3.  You must not yet have fully paid for the  You  must  not  yet  have  fully  paid  for  the 
 OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen: purchase. purchase.
 void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still  If all of the criteria above are met and you are still 
 2. YOU ARE ENTITLED TO AN EXACT,  In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing  dissatisfied with the purchase, contact us in writing 
 COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at: at:
 AGREEMENT YOU SIGN.  AGREEMENT number. � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution  Account Services Dispute Resolution 
   � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374 P.O. Box 105374
 3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374  Atlanta, GA  30348-5374 
 THE FULL AMOUNT DUE. agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate,  the same rules apply to the  While we investigate, the same rules apply to the 
 766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish  disputed amount as discussed above. After we finish 
 CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that  our investigation, we will tell you our decision.  At that 
 amounts.  unless the creditor, prior to the time the credit is  You must contact us: you owe. point, if we think you owe an amount and you do not  point, if we think you owe an amount and you do not 
 granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent.  pay, we may report you as delinquent. 
 MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement. bill is wrong, you must write to us within 10 days 
 Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
 receive an answer to your written inquiry  creditor is incurred. payment is  we cannot report you as delinquent without also 
 regarding the status of your account.   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
 BUYER/CARDHOLDER  Your name and address, our  amount you think  must tell you the name of anyone to whom we 
 MO RESIDENTS: Oral agreements or  name and address and the date on any Application or  is wrong. reported you as delinquent, and we must let those 
 commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
 forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
 including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
 are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question                                            MILITARY LENDING ACT DISCLOSURE: Federal  other credit access device (including any convenience  cheques, foreign currency and other similar  they may have set up on your Account before their 
                                           law provides important protections to members of the  check) that we issue to you.  Your Application, any  transactions, will be treated as Cash Advances. From  removal. You will be responsible for transactions that 
                                           Armed Forces and their dependents relating to  Card carrier that we send with your Card and the  time to time, we may also permit you to obtain credit  they set up before they were removed even if these 
                                           extensions of consumer credit.  In general, the cost of  accompanying Pricing Disclosure, any automatic  from us by making a payment to another creditor of  amounts do not appear on your Account until later.  
                                           consumer credit to a member of the Armed Forces  payment plan form, any other written documents  yours (�Balance Transfer�) using forms or other means  Authorized Users may remove themselves from your 
                                           and his or her dependent may not exceed an annual  (including any electronic record) evidencing any  provided by us. Except as otherwise specifically  Account upon request.  We reserve the right to remove 
                                           percentage rate of 36 percent.  This rate must  transactions made under your Account, any notices  provided in this Agreement, a Balance Transfer  them from your Account for any reason. To remove 
                                           include, as applicable to the credit transaction or  that we send to you with your Agreement, any special  generally is treated as a Cash Advance, but the fees  them from your Account, we may choose to close your 
                                           account:  The costs associated with credit insurance  credit terms disclosures in the initial solicitation letter  that may be imposed at the time of transfer may differ  existing Account and issue you a new Account and 
                                           premiums; fees for ancillary products sold in  that we sent you and any special credit terms or  from those applicable to Cash Advances. You may use  replacement Card with a new number.
                                           connection with the credit transaction; any application  rewards terms separately or subsequently disclosed to  your Account only for personal, family, or household 
                                           fee charged (other than certain application fees for  you in writing, are part of and incorporated into this  purposes. You may not use your Card or your Account  REWARDS Your Account may provide you with the 
                                           specified credit transactions or accounts); and any  Agreement.  Please read and keep these documents  for any illegal transaction or any gambling transaction.   opportunity to earn rewards. If it does, we will 
                                           participation fee charged (other than certain  for your records.  This Agreement begins on the earlier  We may decline transactions for any reason,  separately provide you with information and terms 
                                           participation fees for a credit card account).  To hear  of (a) the date we finally approve your Application for  including, but not limited to, operational matters,  about the rewards.
                                           disclosures related to the Military Lending Act, please  credit or (b) the first date that we extend credit to you  default, or suspected fraudulent or unlawful activity.  
                                           call this toll-free number:  1-866-816-6994. or someone authorized by you on your Account. This  Transactions above a certain dollar amount may  HONORING YOUR CARD We are not liable if a 
                                                                              Agreement includes an Agreement to Arbitrate  require authorization by us before the transaction can  merchant, ATM or other institution does not honor your 
                                           COVERED MILITARY BORROWERS: If you are a  Claims (see �Arbitration Provision� below).    be approved.  We will not be liable for the failure to  Card, or if your Card malfunctions. 
                                           �covered borrower,� as defined under the Military  Where the terms of this Agreement differ from any  authorize credit because of operational difficulties or 
                                           Lending Act, 10 U.S.C. � 987, as amended, (i) the  special terms that we offer to you in writing, the special  mistakes.  We may limit the number and amount of  PROMISE TO PAY You agree to be bound by the 
                                           �Arbitration Provision,� (ii) any waiver of right to legal  terms offered will control, but all other terms of this  transactions approved in one day for security reasons,  terms and conditions of this Agreement. You promise 
                                           recourse under any state or federal law and (iii) any  Agreement will remain unchanged.  without any liability to you.  We are not responsible for  to pay for all Purchases, Cash Advances, Balance 
                                           other provision in this Agreement that is not                         any losses associated with a declined transaction. Transfers and all other amounts owed to us under the 
                                           enforceable against you under the Military Lending  ACCEPTANCE OF THIS AGREEMENT  Your                    terms of this Agreement. You promise to make all 
                                           Act does not apply to you so long as you are a  activation of your Card, your use of the Account, or  AUTHORIZED USERS If you ask us to issue a Card to  payments in U.S. dollars and to submit for payment of 
                                           �covered borrower.�                any payment made on the Account, evidences your  any other person and we agree to issue them a Card,  your Account only checks or other items drawn on 
                                                                              acceptance of the terms of this Agreement.  In New  they are an �Authorized User� of your Account and will  U.S. financial institutions.
                                           GENERAL This Cardholder Agreement  York, this Agreement begins on the first date that you  be bound by the terms of this Agreement.  We may 
                                           (�Agreement�) governs the use of your revolving  sign a sales slip or memorandum evidencing the  impose a fee to issue a Card to an Authorized User as  YOUR CREDIT LIMIT  You agree not to use and not to 
                                           credit account (your �Account�).  In this Agreement  purchase of goods or services. described below.  See �FEES� section below.  We may  allow any Authorized User to use your Account in any 
                                           and in your monthly billing statement (�Statement�),                  require certain information about them before issuing  way that would cause you to go over your Credit Limit.  
                                           �we,� �us,� �our� and �Bank� refer to The Bank of  USING YOUR ACCOUNT You can use your Card to  a Card. We may limit their ability to use their Card. You  We may refuse to authorize or accept any transaction 
                                           Missouri, member FDIC, including, as applicable, our  purchase or lease goods or services (including mail,  authorize them to have access to important  on your Account that would cause you to exceed your 
                                           successors, assignees and representatives.  �You,�  telephone and electronic orders) from participating  information about your Account including available  Credit Limit.  We may establish different Credit Limits 
                                           �your� and �Cardholder� refer to the person who  establishments (each a �Purchase�) up to any credit  credit so that they can use their card responsibly.  You  for different features of your Account in addition to a 
                                           applied and was approved for the Account and, as  limit we may establish for you (your �Credit Limit�).   will be responsible for use of the Account by them and  general (total) Credit Limit. If you exceed your Credit 
                                           appropriate, all persons authorized to use the  You can also use your Card to obtain a cash loan  by anyone they allow to use your Account, even if you  Limit, you must pay us the excess amount promptly.  
                                           Account.  �Application� refers to any (i) written or  (�Cash Advance�) by presenting your Card to any  did not want, or did not agree to, that use.  If you want  We reserve the right not to increase your available 
                                           electronic application or acceptance that you signed  institution that accepts the Card for that purpose or by  to remove an Authorized User from your Account, you  credit by the amount of any payment received, for a 
                                           or otherwise submitted for this Account or (ii) oral  making a withdrawal of cash at an ATM. Transactions  must contact Customer Service and request their  period of up to four (4) business days from the date of 
                                           request for credit and a Card, resulting in this Account.   made with your Account for things like money orders,  removal.  You also must immediately destroy all Cards  receipt to provide for processing and verification.  
                                           �Card� refers to any credit card, Account number or  deposits, wire transfer money orders, travelers  in their possession and cancel any transactions that  Processing speeds can vary depending on how your 
        payment is cleared.                otherwise in default of any obligation you owe us, then  your Account by writing to us at Account Services,  (EFTs) by debit entries drawn on the bank account,  You must give any notice of termination in such a 
                                           we may, in our sole discretion, immediately terminate  P.O. Box 105555, Atlanta, GA 30348-5555.  The terms  debit or credit card you have identified to us in your  manner and sufficiently in advance to allow us and 
        Your Account represents a continuing offer to extend  any special offer terms. We will notify you of the  of this Agreement will continue to apply to any balance  application for this Account or any other account that  your financial institution a reasonable opportunity to 
        further credit to you which may be withdrawn at any  termination of any special terms if (and as) expressly  that you owe us until you have paid everything you  you identify to us from time to time (�Bank Account�) in  act.  We may terminate your enrollment if you fail to 
        time.  We reserve the right to change (to set, increase,  required by law. owe, including any interest and fees due.  Account  the amount of your required Minimum Payments  or in  keep your Account or your Bank Account in good 
        decrease or remove) the Credit Limit for your Account                 cancellation may adversely affect your credit  any fixed amount that you specify, as modified by you  standing.  Delinquency or closure of either account, for 
        from time to time in accordance with this Agreement  DEFAULT Unless prohibited by applicable law, you  history. from time to time. To avoid additional charges, in any  any reason, may result in immediate termination of 
        and applicable law. Certain changes in your Credit  will be in default under this Agreement if you:  (i) do not  month in which any designated fixed payment amount  your enrollment in the Automatic Payment Plan. Also, 
        Limit may occur without prior written notice to you and  make at least the Minimum Payment required from  STATEMENTS  We will send you a Statement for  is less than your Minimum Payment due, you  if there are insufficient funds in your Bank Account to 
        may be based upon factors including, but not limited  time to time on or before its Payment Due Date; (ii)  each monthly billing cycle in which (i) the balance of  understand and agree that we may deduct or withdraw  process any payment, your enrollment in the 
        to, anti-fraud policies and procedures, your record of  exceed your Credit Limit without permission; (iii)  your Account (including unpaid Purchases, Cash  your entire Minimum Payment rather than the  Automatic Payment Plan may be terminated 
        making timely payments and staying within your  tender a payment on your Account and your payment  Advances and any Balance Transfers, interest and  designated fixed payment amount. If your New  immediately.  (7) We are not responsible for any fees 
        established Credit Limit, your credit score and  is returned to us unpaid or otherwise rejected for any  other fees and charges) on the last day of that billing  Balance is less than the fixed amount you designate,  that may be charged by your depository institution as 
        information contained in your credit report and your  reason; (iv) become subject to bankruptcy or  cycle (the �New Balance�) is greater than $1 (debit or  only the New Balance will be deducted.  If you have a  the result of your participation in the Automatic 
        proper maintenance of any checking account used to  insolvency proceedings; (v) become subject to  credit); (ii) we impose interest or a fee; (iii) there is any  Deferred Interest Plan and you enroll in our  Payment Plan.  (8) You have the right to review your 
        make automatic payments, if applicable. attachment or garnishment proceedings; (vi) give us  other activity on your Account; or (iv) as otherwise  Automatic Payment Plan, you will need to make  accounts and to withdraw any privileges previously 
                                           any misleading, false, incomplete or incorrect  required by applicable law.  Your Statement will show,  one or more additional payments by mail or by  granted.  (9) Participation in the Automatic Payment 
        If approved for an Account, your initial Credit Limit(s)  information or false or fraudulent signature; (vii) die; or  among other things, the total minimum payment you  phone to avoid interest. See Deferred Interest  Plan is not a requirement of continuing credit under 
        will appear on your Card carrier. Your current Credit  (viii) fail to comply with any term of this Agreement or  must make during the billing cycle (the �Minimum  Balances below. You have the right to receive notice  your Account. Enrollment in the Automatic Payment 
        Limit(s) can be found on your Statement or provided  any other agreement that you have with us.  Subject to  Payment�) and the date that the Minimum Payment is  of all electronic fund transfers from your Bank Account  Plan is optional.
        upon request. We do not accept Credit Limit  any notice of default and right to cure or other  due (the �Payment Due Date�).  that vary in amount, and by enrolling, you agree that 
        increase requests.                 limitation of applicable law, if you are in default, we               your monthly statement will serve as your notice of the  Right to Stop Payment and Procedure For Doing 
                                           may, in addition to any other rights that we may have  PAYMENT REQUIREMENTS AND CREDITING  amount of your monthly payment. You may change the  So: If you have scheduled monthly payments through 
        You have the right to receive an answer to a written  under this Agreement: (i) reduce your Credit Limit or  amount to be deducted or withdrawn at any time.  Your  the Automatic Payment Plan, you can tell us to stop 
        inquiry concerning the status of your Account.   cancel your Account; (ii) require you to pay your entire  Minimum Payment You agree to pay at least the  new monthly payment will be effective within 3  any of these payments by calling Customer Service at 
                                           Account balance (including accrued but unpaid  Minimum Payment shown on your Statement by the  business days of our receipt of your instruction. (2) We  the telephone number shown on your monthly 
        SPECIAL TERMS From time to time we may offer  interest and any other fees and charges provided for in  Payment Due Date shown on the Statement.  You  will initiate authorized EFTs each month on or after the  statement, by sending an e-mail to 
        special terms in connection with your Account. These  this Agreement) immediately; and/or (iii) bring an  may at any time pay off your entire balance in full  Payment Due Date shown on your monthly statement.   service@myfortiva.com or by writing to us at 
        special terms may be limited to certain qualifying  action to collect all amounts owed. or more than the Minimum Payment due without  (3) You agree that in the event any debit is rejected or  Customer Service--Automatic Payment Plan 
        transactions.  The period of time that special terms                  incurring any additional charge.  We reserve the  dishonored we may reinitiate the debit once. (4) You  Department, P.O. Box 105555, Atlanta, GA 
        may be available may be limited.  Information specific  You agree to pay, to the greatest extent not prohibited  right to change your Minimum Payment requirement  have provided us with all necessary information for the  30348-5555.  If you send us an email or write to us, 
        to any special terms will be provided at the time of  by law, our reasonable attorneys� fees and any  from time to time. The Minimum Payment due each  Bank Account that you wish us to debit and the Bank  your request must reach us at least 5 business days 
        offer.  If you use your Account to enter into a qualifying  collection costs and disbursements and court fees  month will be an amount equal to the Required  Account on which the Automated Clearing House  before the scheduled Payment Due Date.  If you call 
        transaction, you will be deemed to have  related to the collection of your Account. Minimum Payment Calculation disclosed in the  (ACH) debit is authorized, is a legitimate, open and  us, we may require you to put your request in writing 
        acknowledged and agreed to the terms disclosed at                     accompanying Pricing Disclosure. If your New  active account.  You agree to notify us promptly if this  and to deliver your request to us within 14 days after 
        the time of the offer, which terms may be modified or  CANCELLATION We may cancel your Account,  Balance is less than your Minimum Payment, your  information changes. (5) The origination of ACH  you call.  We may charge you a fee for each stop 
        differ from the regular terms of this Agreement.  No  refuse to allow further transactions, offer credit on  New Balance is due in full.  You may at any time make  transactions must comply with the provisions of U.S.  payment request that you give us. If you tell us to 
        formal amendment of this Agreement will be  different terms or adjust the amount of credit available  additional payments without penalty. law. (6) Once enrolled, automatic payments will  stop a payment at least 5 business days before the 
        necessary and all terms of this Agreement will remain  to you at any time, with or without cause, subject to  continue until you notify us that you wish to terminate  Payment Due Date and we do not stop payment, 
        applicable except those inconsistent with the  applicable limitations of law.  We may terminate further  Authorization Agreement for Automatic Payments  your enrollment in the Automatic Payment Plan, or  we will be liable for your losses or damages.
        disclosed special terms of the offer.  If at any time you  transactions on your Account without notice if you  If you enrolled in the Automatic Payment Plan, you  until we terminate your enrollment.  You may terminate 
        fail to comply with the terms of this Agreement as  change your address to a jurisdiction in which we do  acknowledge and agree to the following: (1) You  your enrollment by calling Customer Service at the  Alternative Payment Methods  If you know that we 
        modified by the special terms of an offer or are  not make credit available at that time.  You may close  authorize us to initiate electronic funds transfers  telephone number shown on your monthly statement.   will be unable to process a scheduled automatic 
        payment for any reason, then to avoid a late payment  Application of Payments Subject to the requirements  INTEREST   statement to pay for new Purchases before we charge  Fee, the amount of the fee is shown in the 
        charge, you must promptly send a certified check or  of applicable law, we will apply payments first to  interest on them.  However, the Grace Period will  accompanying Pricing Disclosure.  Annual fees 
        money order to the �Payment Address� shown on the  unpaid interest, fees and other charges, then to Cash  Interest  When your Account has an outstanding  apply only in billing periods when (1) you paid the  appear on your first monthly statement and thereafter 
        front of your monthly statement, or, if offered, you may  Advance transactions in the order in which they are  balance, we will assess periodic interest using a  previous balance in full or (2) you had a previous  on the anniversary date of your Account as long as 
        take advantage of any pay by phone or online  posted to your Account and finally to Purchase  monthly periodic rate of interest.  The monthly periodic  balance of $0.00 or a credit balance.  (The previous  your Account is open or you have an outstanding 
        payment service that we may make available to you  transactions in the order in which they are posted to  rate is determined by dividing the annual percentage  balance is the balance identified as the New Balance  balance.  Annual Fees are not refundable, except as 
        from time to time.  If you make an alternative payment  your Account.  We may apply payments to balances  rate (�APR�) by 12.  Your APRs, and corresponding  on the monthly statement for the previous billing  provided below or as otherwise required by applicable 
        by postal mail or by pay by phone or online service  subject to special terms (including Balance Transfers,  monthly periodic rates, will vary with the market based  period, subject to subsequent adjustment, as  law.  Annual Fees reduce the amount of credit you 
        while you are enrolled in an Automatic Payment Plan,  convenience checks and other promotions) prior to  on the Prime Rate, but no APR will exceed an annual  appropriate.)  When the Grace Period applies, we will  have available for use. 
        we may treat such payment as an additional payment  non-promotional balances. percentage rate of 36%. See the accompanying  not impose interest on (1) any new Purchases if we 
        and process your next Automatic Payment Plan                          Pricing Disclosure for the APRs and any �per  receive payment of the appropriate full New Balance  Account Maintenance Fee If your Account is subject 
        payment as scheduled or may reduce your next  Disputed Payments-Postdated Checks, Restrictive  transaction� interest charges applicable to your  on the monthly statement for that billing period by the  an Account Maintenance Fee, the amount of the fee is 
        Automatic Payment Plan payment by the amount of  Endorsement Checks and Other Disputed or  Account.  Interest will be imposed in amounts or at  due date shown on that statement or (2) the portion of  disclosed in the accompanying Pricing Disclosure.  
        any such additional payment received. Qualified Payments  You agree not to send us partial  rates not in excess of those permitted by law. the Purchase balance repaid if we receive payment of  Account Maintenance Fees are billed each month as 
                                           payments marked �paid in full,� �without recourse,� or                only part of the New Balance by the due date.  There  long as your Account is open or you have an 
        Instructions for Mailed Payments If you pay by  similar language.  If you send such a payment, we may  Balances Subject To Interest  We figure the interest  is no time period within which you can avoid  outstanding balance.  Your payment of an Account 
        check or other written instrument, all payments, except  accept it without losing any of our rights under this  charge on your Account by applying the applicable  interest on Cash Advances or Balance Transfers. Maintenance Fee does not affect our right to close 
        disputed amounts, must be mailed or delivered to us at  Agreement. All notices and written  monthly periodic rate to the �average daily balance� of  your Account or our ability to limit transactions on your 
        the address for payments shown on your monthly  communications concerning postdated checks,  your Account.  We calculate the average daily balance  Deferred Interest Balances If you make a purchase  Account.
        statement. Payments received at the address on the  restrictive endorsement checks (including any  separately for each type of balance (e.g., separately  under a special Deferred Interest Plan promotion, we 
        payment coupon by 5:00 p.m. Eastern Time, Monday  check or other payment instrument that indicates  for Purchases, for Cash Advances and for each  will calculate interest for each cycle as described  Program Fee If your Account is subject to a Program 
        through Friday (except legal holidays) will be credited  that the payment constitutes �payment in full� of  balance subject to special terms such as Balance  above.  To avoid such interest you must pay the total  Fee, the amount of the fee is disclosed in the 
        to your Account as of the date received. Payments  the amount owed or that is tendered with other  Transfers).  For each type of balance, we take the  purchase amount and accrued fees and charges that  accompanying Pricing Disclosure.  The Program Fee 
        must be received with the payment coupon (bottom  conditions or limitations or as full satisfaction of a  beginning balance each day (including accrued but  are subject to deferred interest (�Promotional  is a one-time fee that you must pay at account 
        portion) of your statement in the enclosed return  disputed amount) or any other disputed,  unpaid interest charges), add new transactions  Balance�) in full by the last day of the promotional  opening. 
        envelope. If payments are received at any other  nonconforming or qualified payments, must be  (including purchases, cash advances and balance  period as shown in the Deferred Interest Charge 
        location or without your payment coupon, crediting of  mailed or delivered to Dispute Resolution, P.O.  transfers) and any applicable fees, and subtract the  Calculation notice on the front of your monthly  Balance Transfer Fee If your Account is subject to a 
        those payments to your Account may be delayed.  Box 105374, Atlanta, GA 30348-5374.  We may also  applicable portion of any payments or credits.  This  statement.  Making only minimum monthly payments  Balance Transfer Fee, the amount of the fee is 
        Payments must be made to Payment Processing,  accept late, postdated or partial payments without  gives us the daily balance for each type of balance.   during the promotional period will not pay off your  disclosed in the accompanying Pricing Disclosure.  
        P.O. Box 790156, St. Louis, MO 63179-0105, or any  losing any of our rights under the credit agreement  Then, we add up all the daily balances for a particular  Promotional Balance by the last day of the promotional  Balance Transfer Fees are charged on each Balance 
        other address designated by us.    governing your Account. (A postdated check is a  type of balance for the billing cycle and divide the total  period.  If you do not pay your Promotional Balance in  Transfer.  This fee is deemed additional interest and 
                                           check dated later than the day it was actually  by the number of days in the billing cycle.  This gives  full by such date, then the interest that has accrued  will be added to your Balance Transfer balance.  
        Notice About Electronic Check Conversion.  By  presented for payment.)  We are under no obligation to  us the �average daily balance� for that type of balance.   from the date of purchase through and including the 
        providing a paper check as payment, you authorize us  hold a postdated check and we reserve the right to  last day of the promotional period (Deferred Interest  Cash Advance Fee If your Account is subject to a 
        to use information from your check to make a one-time  process every item presented as if dated the same  When Interest Begins To Accrue, Grace Period   Charge) will be added to your regular Purchase  Cash Advance Fee, the amount of the fee is disclosed 
        electronic fund transfer from your account or to  date received by us or our check processor unless you  Except as provided below, Purchases, Cash  balance. in the accompanying Pricing Disclosure.  Cash 
        process the payment as a check transaction.  When  give us adequate notice and a reasonable opportunity  Advances and Balance Transfers begin to accrue  Advance Fees are charged each time you obtain a 
        we use the information from your check to make an  to act on it.  Except where such notice and opportunity  interest from the date of the transaction (or, at our  FEES Cash Advance.  This fee is deemed additional interest 
        electronic fund transfer, funds may be withdrawn from  is given, you may not hold us liable for depositing any  option, from the date they are posted to your Account)  and will be added to your Cash Advance balance.  
        your account as soon as the same day we receive  postdated check.     and continue to accrue interest until the charge is paid  The following fees may be added to your Account (as 
        your payment, and you will not receive your check                     in full.  You will have at least a 25 day grace period  a Purchase unless otherwise stated):  Foreign Transaction Fee  If your Account is subject 
        back from your financial institution.                                 (�Grace Period�) on Purchases.  This means you have                    to a Foreign Transaction Fee, the amount of the fee is 
                                                                              at least 25 days from the closing date on your monthly  Annual Fee  If your Account is subject to an Annual  disclosed in the accompanying Pricing Disclosure.  
        Foreign Transaction Fees are charged on any  Account, you agreed to receive electronic notices and  NOTICE OF CHANGES IN YOUR ELECTRONIC  Agreement will affect your obligation to pay all  Notice of Information Reporting  We may report 
        transaction made in a foreign currency that is  disclosures in connection with your Account (whether  MAIL, TELEPHONE NUMBER OR OTHER  amounts owing under this Agreement. information about your Account to credit bureaus.  
        converted to U.S. Dollars. This fee is deemed  at an electronic mail address that you provided in your  INFORMATION  You agree to notify us promptly of  Late payments, missed payments, or other defaults on 
        additional interest and will be added to the appropriate  Application, at a website that we designate or  any change in your electronic mail address, your  ASSIGNMENT; TRANSFER  We may sell, assign or  your Account may be reflected in your credit report. 
        Purchase, Cash Advance or Balance Transfer  otherwise), then, to the extent not prohibited by law,  postal address, your home telephone number, place of  transfer all or any portion of your Account and all or 
        balance.                           we may send notices concerning the availability of  employment or other information provided in your  any portion of our rights under this Agreement to any  Information Sharing  You acknowledge and agree 
                                           Statements and other notices and disclosures to you  Application or otherwise provided to us from time to  other person without prior notice to you. You may not  that we may share information about you with others in 
        Late Payment Fee If you fail to make a timely  at the electronic mail address that you provided in your  time, including porting a landline telephone number to  sell, assign or transfer any of your rights under this  accordance with our Privacy Notice (a copy of which 
        payment, you agree to pay a Late Payment Fee in the  Application, any updated electronic mail address that  a cellular number or VoIP, by writing to us at Account  Agreement. we will provide to you and may be obtained from 
        amount disclosed in the accompanying Pricing  you provide to us in writing, or on a website that we  Services, P.O. Box 105555, Atlanta, GA 30348-5555  www.myfortiva.com as it is in effect from time to time).  
        Disclosure. For PR residents, you agree to pay the  designate or otherwise, as mutually agreed.  If you  or by calling us at 1-877-785-7908.  LOST CARDS AND UNAUTHORIZED USE  Contact 
        lesser of $15 or 5% of the payment due for payments  subsequently choose to receive notices and          us immediately if you believe your Card has been lost  Notice of Inaccurate Information  If you believe that 
        that are over 15 days late.  No Late Payment Fee will  disclosures by postal mail rather than electronically,  CHANGES IN TERMS  We may, at any time in  or stolen. Telephoning is the best way to minimize  we have information about you that is inaccurate or 
        exceed the amount of the related missed payment.  then you agree to provide us with an updated postal  accordance with this Agreement and subject to the  your possible losses.  If you believe that your Card has  that we have reported or may report to a credit 
                                           address in a timely manner to allow us to comply with  requirements of applicable law:  (i) terminate this  been lost or stolen, or that someone has made a  reporting agency information about you that is 
        Returned Payment Fee To the greatest extent not  any applicable requirements of law. Agreement; (ii) terminate your right to make future  Purchase on or transferred or may transfer money  inaccurate, please notify us of the specific information 
        prohibited by law, if any payment is dishonored or                    Purchases or take future Cash Advances or  from your Account without your permission, call us at  that you believe is inaccurate by writing to us at 
        returned, you agree to pay a Returned Payment Fee in  MONITORING AND RECORDING  To ensure that you  Balance Transfers; (iii) change your Credit Limit;  1-877-785-7908. You will not be liable for any such  Account Services, P.O. Box 105555, Atlanta, GA 
        the amount disclosed in the accompanying Pricing  receive quality service, you agree that we may record  or (iv) add new terms or delete or change any  unauthorized use that occurs after you notify us.  You  30348-5555.
        Disclosure.  No Returned Payment Fee will exceed the  all phone calls.  These calls, between you and our  terms and conditions of this Agreement relating to  may, however, be liable for such unauthorized use that 
        amount of the refused or returned payment.  representatives, are evaluated by supervisors.  It is  your Account (including changing from a  occurs before you notify us.  In any case, your liability  ARBITRATION PROVISION (AGREEMENT TO 
                                           our goal to provide prompt, consistent assistance and  non-variable to a variable periodic rate, increasing  for such unauthorized use will not exceed $50.  Under  ARBITRATE CLAIMS)
        Authorized User Fee We will impose a fee for  deliver accurate information in a professional manner.  any rate of interest, increasing or adding fees or  MasterCard Rules, your liability for unauthorized 
        allowing access to another person who is not                          charges, changing the method of computing the  MasterCard transactions on your Account is $0 if you  Unless you are a �covered borrower,� as defined under 
        responsible for the repayment of the Account.  The  COMMUNICATING WITH YOU; CONSENT TO  balance upon which interest is assessed or  notify us within two (2) business days and you  the Military Lending Act, 10 U.S. C. � 987, as 
        amount of the Authorized User Fee is disclosed with  CONTACT BY ELECTRONIC AND OTHER MEANS   changing the date upon which interest begin to  exercise reasonable care in safeguarding your Card  amended, and except as otherwise stated below, any 
        the accompanying Pricing Disclosure. The Authorized  We may contact you for any lawful reason, including  accrue).  Changes that are favorable to you may be  from loss, theft or unauthorized use. This reduced  Claim (as defined below) will be resolved by binding 
        User Fee will be imposed annually for each Authorized  for the collection of amounts owed to us and for the  made at any time without prior notice.  Changes in  liability does not apply if a PIN is used as the method  arbitration pursuant to (a) this Arbitration Provision 
        User. Upon request, we may issue a separate Card to  offering of products or services in compliance with our  terms may be based upon factors including, but  of verification for a disputed transaction or you have  and (b) the Code of Procedure of the national 
        an Authorized User.                Privacy Notice in effect from time to time.  No such  not limited to, anti-fraud policies and procedures,  reported two (2) or more incidents of unauthorized use  arbitration organization to which the Claim is referred 
                                           contact will be deemed unsolicited.  To the greatest  your record of making timely payments and  in the immediately preceding twelve (12) month  (as in effect when the Claim is filed). Claims will be 
        REFUND OF INTEREST AND FEES  We will credit all  extent not prohibited by applicable law, we may (i)  staying within your established Credit Limit on  period.   referred to either Judicial Arbitration and Mediation 
        interest and fees to your Account if you close your  contact you at any address or telephone number  your Account with us, your credit score and    Services (�JAMS�) or the American Arbitration 
        account within 30 days of receiving your initial  (including wireless cellular telephone, VoIP or ported  information contained in your credit report and  CREDIT REPORTS AND INFORMATION  Association (�AAA�), as selected by the party electing 
        Agreement and you make no charges to your Account.   landline telephone number) that you may provide to us  your proper maintenance of any checking account  to use arbitration.  Streamlined arbitration procedures 
        After such 30 day period, interest and fees generally  from time to time; (ii) use any means of  used to make your automatic payments, if  Credit Reports  You authorize us to make or have  will be used if available.  If a selection by us of one of 
        are no longer avoidable or refundable and you will be  communication, including, but not limited to, postal  applicable. made any credit, employment or other investigative  these organizations is unacceptable to you, you have 
        responsible for paying all interest and fees charged to  mail, electronic mail, telephone or other technology, to  inquiries we deem appropriate to renew, review or  the right, within 30 days after you receive notice of our 
        your Account.                      reach you; (iii) use automatic dialing and announcing  When required by applicable law, we will provide  collect amounts owed to us on your Account.  We also  election, to select the other organization listed to serve 
                                           devices which may play recorded messages; and (iv)  you with written notice of a new or deleted term or  may obtain follow-up credit reports on you for any  as arbitration administrator. For purposes of this 
        CONSENT TO RECEIVE ELECTRONIC      send text messages to your telephone.   change in terms and offer you the right to reject  lawful purpose as long as you have an outstanding  Arbitration Provision, �Claim� means any claim, 
        DISCLOSURES  If, when you applied for your Account                    terms in the manner specified at the time of notice.   balance.        dispute or controversy (whether in contract, tort, or 
        or accepted an offer and verified your eligibility for an             No new term or change in the terms of this                             otherwise), past, present or future, (collectively, 
        "Claims") as further described below. (If for any reason  OF CLAIMANTS IN A CLASS ACTION, IN COURT  affiliates, predecessors, successors, assigns, agents,  depending upon the nature of your Claim and how the  Arbitration Provision, this Arbitration Provision will 
        a selected organization cannot, will not or ceases to  OR IN ARBITRATION, RELATING TO ANY CLAIM  independent contractors, employees, officers,  arbitration proceeds.  Having more than one Claim  control. 
        serve as an arbitration administrator, you or we may  SUBJECT TO ARBITRATION OR (iv) JOIN OR  directors or representatives arising from your Account  and holding face to face hearings can increase the 
        substitute another widely recognized arbitration  CONSOLIDATE CLAIMS OTHER THAN YOUR OWN  or this Agreement and (v) Claims regarding the  cost of arbitration.  Again, neither you nor we will be  DELAY IN ENFORCEMENT  We can delay or waive 
        organization that uses a similar code of procedure and  OR OUR OWN.  OTHER RIGHTS AVAILABLE IN  validity, enforceability or scope of this Arbitration  permitted to arbitrate claims on a class wide (that is,  enforcing any of our rights under this Agreement or 
        is mutually acceptable to the parties.)   COURT MAY NOT BE AVAILABLE IN  Provision or this Agreement.    on other than an individual) basis.  An arbitration  under applicable law without losing any of those rights 
                                           ARBITRATION. Except as set forth below, the                           proceeding can decide only your or our Claims.  You  or any other rights.  Even if we do not enforce our 
        Right To Reject Arbitration.  You may reject this  arbitrator�s decision will be final and binding. Only  Arbitration Procedure and Costs. For a copy of  cannot join other parties (or consolidate Claims)  rights or remedies at any one time, we may enforce 
        Arbitration Provision.  If you do so, neither you nor  a court may decide the validity of items (iii) and (iv)  relevant codes of procedure, to file a Claim or for other  except with respect to persons who use your Account. them at a later time.
        we will have the right to engage in arbitration.   above. If a court holds that items (iii) or (iv) are limited,  information about JAMS and AAA, write them, visit 
        Rejecting this Arbitration Provision will have no effect  invalid or unenforceable, then this entire Arbitration  their web site or call them at:  (i) for JAMS, 1920 Main  Governing Law for Arbitration. This Arbitration  SEVERABILITY Except as otherwise expressly 
        on any of the other provisions in this Agreement.  To  Provision will be null and void. You or we can appeal  Street, Suite 300, Irvine, CA 92614 or  Provision is made pursuant to a transaction involving  provided in the Arbitration Provision, if any provision of 
        reject this Arbitration Provision, you must send us your  any such holding. If a court holds that any other part(s)  info@jamsadr.com,  http://www.jamsadr.com, 1-800  interstate commerce, and will be governed by the  this Agreement is finally determined to be void or 
        written rejection within 60 days after we open your  of this Arbitration Provision (other than items (iii) and  352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor,  Federal Arbitration Act ("FAA"), 9 U.S.C. �� 1 et seq.,  unenforceable under applicable law, rule or regulation, 
        Account, or 60 days after any change in terms that  (iv)) are invalid, then the remaining parts of this  New York, NY 10019 or  websitemail@adr.org,  as amended, notwithstanding any other governing law  all other provisions of this Agreement shall still be valid 
        affects this Arbitration Provision, to Account Services  Arbitration Provision will remain in force. An arbitrator  http://www.adr.org, 1-800-778-7879. If either party  provision in this Agreement.  The arbitrator will apply  and enforceable.  Certain provisions of this Agreement 
        Dispute Resolution, P.O. Box 105096, Atlanta, GA  will decide all other issues pertaining to arbitrability,  fails to submit to arbitration following a proper demand  applicable substantive law consistent with the FAA  are stated as being subject to applicable law.  Such 
        30348-5096; ATTN: Consumer Credit Arbitration.  In  validity, interpretation and enforceability of this  to do so, that party will bear the costs and expenses,  and applicable statutes of limitations and will honor  provisions may be void, unenforceable or inapplicable 
        your letter, you must give us the following information:  Arbitration Provision. The decision of an arbitrator is  including reasonable attorneys� fees, incurred by the  claims of privilege recognized at law.  Judgment upon  in some jurisdictions. 
        Name, Address and Account number.  The right to  as enforceable as any court order and may be subject  party compelling arbitration. Any physical arbitration  any arbitration award may be entered and enforced, 
        reject granted here applies solely to this Arbitration  to very limited review by a court. An arbitrator may  hearing that you attend will be held in the federal  including without limitation by garnishment,  ENTIRE AGREEMENT  This Agreement, including 
        Provision, and not to any other provision of this  decide a Claim upon the submission of documents  judicial district where you live at the time the Claim       attachment, foreclosure or other post judgment  any other written, oral or electronic document 
        Agreement, or to any other agreement with us.  In the  alone, or a party may request a telephonic hearing if  is filed. The party initiating the arbitration will pay       remedies, in any court having jurisdiction. The  incorporated into and made a part of this Agreement, 
        event of a dispute over whether you have provided a  permitted by applicable rules. The exchange of  the filing fee.  You may seek a waiver of the initial filing  arbitrator�s decision will be final and binding, except for  is the entire agreement between you and us relating to 
        timely rejection notice, you must provide proof of  non-privileged information relevant to the Claim,  fee or any other fees incurred in arbitration. If you  any right of appeal provided by the FAA, in which case  your Account and supersedes any other prior or 
        delivery.  Neither party may elect to arbitrate an  between the parties, is permitted and encouraged.  seek, but do not qualify for, a waiver, we will consider  any party can appeal the award to a three arbitrator  contemporaneous agreement between you and us 
        individual Claim brought in small claims court (or your  Either party may submit relevant information,  any written request by you for us to pay or reimburse  panel administered by the selected arbitration  relating to your Account.  If there is any conflict 
        state�s equivalent court, if any).  However, if a Claim  documents or exhibits to the arbitrator for  you for all or part of such fees. Each party will pay       administrator.  The panel will reconsider de novo (that  between any one of these documents and this 
        that is brought in small claims court is transferred or  consideration in deciding a Claim. for its respective attorneys�, experts� and witness     is, without deference to the ruling of the original  Agreement, the terms of this Agreement control.  This 
        appealed to a different court, either party may elect                 fees, regardless of which party prevails in the  arbitration) any aspect of the initial award requested  Agreement may not be amended except in 
        arbitration.                       Broad Meaning of �Claims.�  The term "Claims" in  arbitration. A party may recover any or all expenses  by the appealing party.   accordance with the other provisions of this 
                                           this Arbitration Provision is to be given the broadest  from another party if the arbitrator, applying    Agreement. 
        Significance of Arbitration; Limitations and  possible meaning and includes (by way of example  applicable law, so determines. Allocation of fees       Continued Effect of Arbitration Provision. This   
        Restrictions.  IF YOU OR WE CHOOSE TO  and without limitation) Claims arising from or relating  and costs relating to appeals in arbitration will be  Arbitration Provision will continue to govern any  GOVERNING LAW FOR CREDIT This Agreement, 
        RESOLVE A CLAIM BY BINDING ARBITRATION,  to (i) the application for or issuance of your Account,  handled in the same manner.  For an explanation     Claims that may arise without regard to any  and any claim, dispute or controversy (whether in 
        NEITHER YOU NOR WE WILL HAVE THE RIGHT TO  (ii) use, terms, change in terms or addition of terms,  and  schedule  of  the  fees  that  apply  to  an          termination or cancellation of your Account.  If any  contract, tort, or otherwise) at any time arising 
        (i) HAVE A COURT OR JURY DECIDE THE CLAIM  closing or collection of your Account or this  arbitration proceeding with JAMS, please visit   portion of this Arbitration Provision (other than the  from or relating to this Agreement, are governed 
        BEING ARBITRATED (ii) ENGAGE IN PRE  Agreement, (iii) advertisements, promotions or oral or  http://www.jamsadr.com/rules-streamlined-arbitration; for  provisions prohibiting class wide arbitration, joinder or  by and construed in accordance with applicable 
        ARBITRATION DISCOVERY (THAT IS, THE RIGHT  written statements related to your Account, including  AAA, visit http://www.adr.org/consumer_arbitration. The  consolidation) is deemed invalid or unenforceable  federal law and, to the extent not preempted by 
        TO OBTAIN INFORMATION FROM THE OTHER  any Claims regarding information obtained by us from,  appropriate fee schedule in effect from time to time is  under the FAA, it will not invalidate the remaining  federal law, the laws of Missouri (without regard to 
        PARTY) TO THE SAME EXTENT THAT YOU OR WE  or reported by us to, credit reporting agencies or  hereby incorporated by reference into this Arbitration  portions of this Arbitration Provision.  If a conflict or  internal principles of conflict of laws), except that 
        COULD IN COURT, (iii) PARTICIPATE AS A  others, (iv) Claims between you and our parent  Provision.  The cost of arbitration may be higher or  inconsistency arises between the code of procedures  the arbitration provision is governed by the 
        REPRESENTATIVE OR MEMBER OF ANY CLASS  corporations, wholly or majority owned subsidiaries,  lower than the cost of bringing your Claim in court,  of the selected arbitration administrator and this  Federal Arbitration Act, 9 U.S.C. �� 1 et seq.  The 
        legality, enforceability and interpretation of this  us (creditor) from misunderstanding or  Agreement.  An electronic record of your request for or  What Will Happen After We Receive Your Letter even if your bill is correct.
        Agreement and the amounts contracted for,  disappointment, any agreements we reach  acceptance of an Account or the consummation of a  When we receive your letter, we must do two things: Your Rights If You Are Dissatisfied With Your Credit 
        charged and reserved under this Agreement will  covering such matters are contained in this  sales transaction under this Agreement can represent  1.  Within 30 days of receiving your letter, we must  Card Purchases
        be governed by such laws.  We extend credit  writing, which is the complete and exclusive  your signature on this Agreement.  tell you that we received your letter.  We will also tell  If you are dissatisfied with the goods or services 
        pursuant to Section 408.145 of the Missouri  statement of the agreement between us, except as              you if we have already corrected the error. that you have purchased with your credit card, and 
        Revised Statutes.  You agree that this loan is  we may later agree in writing to modify it. CREDITOR /s/ THE BANK OF MISSOURI,  ST.  2.  Within 90 days of receiving your letter, we must  you have tried in good faith to correct the problem 
        made, executed and delivered in Missouri and that                     ROBERT, MO                           either correct the error or explain to you why we  with the merchant, you may have the right not to 
        we make all credit decisions, open all accounts  NH RESIDENTS:  This Agreement provides for                believe the bill is correct.       pay the remaining amount due on the purchase.
        and issue all proceeds from, impose all fees and  reasonable attorneys� fees to be awarded to us in an  Rev. Date:  March 2018 While we investigate whether or not there has been an  To use this right, all of the following must be true:
        charges in, and receive all payments in our offices  action against you involving this Agreement.        error:                               1.  The purchase must have been made in your 
        in Missouri.                       Reasonable attorney's fees will be awarded to you if                    � We cannot try to collect the amount in question, or  home state or within 100 miles of your current 
                                           you prevail in any action, suit or proceeding brought by  BILLING RIGHTS NOTICE report you as delinquent on that amount. mailing address, and the purchase price must have 
        YOU ACKNOWLEDGE THAT YOU HAVE      us; or an action brought by you.  If you successfully                   � The charge in question may remain on your  been more than $50.  (Note: Neither of these are 
        RECEIVED (ELECTRONICALLY OR OTHERWISE)  assert a partial defense or set-off, recoupment or  Your Billing Rights: Keep This Document For Future  statement, and we may continue to charge you  necessary if your purchase was based on an 
        AN EXACT, COMPLETELY FILLED IN, LEGIBLE  counterclaim to an action brought by us the court may  Use        interest on that amount.           advertisement we mailed to you, or if we own the 
        COPY OF THIS AGREEMENT, HAVE READ IT AND  withhold from us the entire amount or such portion of  This notice tells you about your rights and our  � While you do not have to pay the amount in  company that sold you the goods or services.)
        AGREE TO ITS TERMS.                the attorney fees as the court considers equitable. responsibilities under the Fair Credit Billing Act. question, you are responsible for the remainder of  2.  You must have used your credit card for the 
                                                                              What To Do If You Find A Mistake On Your Statement your balance.        purchase. Purchases made with cash advances 
        NOTICE TO THE BUYER                NJ RESIDENTS:  Because certain provisions of this  If you think there is an error on your statement, write  � We can apply any unpaid amount against your  from an ATM or with a check that accesses your 
                                           agreement are subject to applicable law, they may be  to us at:         credit limit.                      credit card account do not qualify.
         1. DO NOT SIGN THIS BEFORE YOU READ IT    void, unenforceable or inapplicable in some  Account Services Dispute Resolution  After we finish our investigation, one of two things will  3.  You must not yet have fully paid for the 
         OR IF IT CONTAINS ANY BLANK SPACES.  jurisdictions.  None of these provisions, however, is  P.O. Box 105374 happen:                          purchase.
                                           void, unenforceable or inapplicable in New Jersey.  Atlanta, GA  30348-5374  � If we made a mistake:  You will not have to pay the  If all of the criteria above are met and you are still 
         2. YOU ARE ENTITLED TO AN EXACT,                                       In your letter, give us the following information: amount in question or any interest or other fees  dissatisfied with the purchase, contact us in writing 
         COMPLETELY FILLED IN COPY OF THE  NY RESIDENTS:  RETAIL INSTALMENT CREDIT   � Account information:  Your name and account  related to that amount. at:
         AGREEMENT YOU SIGN.               AGREEMENT                            number.                            � If we do not believe there was a mistake:  You will  Account Services Dispute Resolution 
                                                                                � Dollar amount:  The dollar amount of the  have to pay the amount in question, along with  P.O. Box 105374
         3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE,  WI RESIDENTS: No provision of a marital property  suspected error. applicable interest and fees.  We will send you a  Atlanta, GA  30348-5374 
         THE FULL AMOUNT DUE.              agreement, a unilateral statement under section  � Description of problem:  If you think there is an  statement of the amount you owe and the date  While we investigate, the same rules apply to the 
                                           766.59 or a court decree under section 786.70  error on your bill, describe what you believe is  payment is due.  We may then report you as  disputed amount as discussed above. After we finish 
        CA RESIDENTS: Interest is compounded on unpaid  adversely affects the interest of the creditor  wrong and why you believe it is a mistake. delinquent if you do not pay the amount we think  our investigation, we will tell you our decision.  At that 
        amounts.                           unless the creditor, prior to the time the credit is  You must contact us: you owe.                       point, if we think you owe an amount and you do not 
                                           granted, is furnished a copy of the agreement,  � Within 60 days after the error appeared on your  If you receive our explanation but still believe your  pay, we may report you as delinquent. 
        MD RESIDENTS:  You have the right under  statement or decree or has actual knowledge of  statement.        bill is wrong, you must write to us within 10 days 
        Section 12-510 of the Commercial Law Code to  the adverse provision when the obligation to the  � At least 3 business days before an automated  telling us that you still refuse to pay.  If you do so, 
        receive an answer to your written inquiry  creditor is incurred.        payment is                         we cannot report you as delinquent without also 
        regarding the status of your account.                                   scheduled, if you want to stop payment on the  reporting that you are questioning your bill.  We 
                                           BUYER/CARDHOLDER  Your name and address, our  amount you think          must tell you the name of anyone to whom we 
        MO RESIDENTS: Oral agreements or   name and address and the date on any Application or  is wrong.          reported you as delinquent, and we must let those 
        commitments to loan money, extend credit or to  any other document or record you sign in connection  You must notify us of any potential errors in writing.   organizations know when the matter has been 
        forbear from enforcing repayment of a debt  with your Account are incorporated here and made a  You may call us, but if you do we are not required to  settled between us.
        including promises to extend or renew such debt  part of this Agreement and represent your name and  investigate any potential errors and you may have to  If we do not follow all of the rules above, you do not 
        are not enforceable. To protect you (borrower) and  address, our name and address, and the date on this  pay the amount in question. have to pay the first $50 of the amount you question 
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