IMPORTANT MESSAGE FOR CUSTOMERS  
Following is the DELL PREFERRED ACCOUNT CREDIT AGREEMENT that governs the Dell 
Preferred Account you requested for purposes of financing the purchase of goods and/or 
services from Dell Inc. or its affiliates (�Dell�), or other participating retailers who a ccept 
the Dell Preferred Account (each, a �Participating Merchant�).  Please read it carefully. IT 
CONTAINS VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, 
AS WELL AS LIMITATIONS AND EXCLUSIONS. UNDER THIS AGREEMENT YOU MAY BE 
REQUIRED TO RES OLVE DISPUTES WITH WEBBANK, DELL FINANCIAL SERVICES (�DFS�), 
AND OTHERS THROUGH ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN A 
COURT PROCEEDING.  If you reject the terms and conditions contained in the Agreement, 
you still have time to cancel your Accoun t and avoid any interest charges and other credit 
costs.  
IF YOU WISH TO DECLINE THE TERMS AND CONDITIONS CONTAINED IN THE 
AGREEMENT, YOU MUST CALL 1 -800-879-9500 FOR DELL PURCHASES OR 1 -800-283-2210 
FOR PARTICIPATING MERCHANT PURCHASES WITHIN 3 DAYS OF REC EIPT OF THE 
AGREEMENT. You will need to provide the phone representative with your Dell Preferred 
Account number, your Dell Customer Number or Participating Merchant Customer Number 
and/or your Order Number(s). The phone representative will communicate wit h WebBank 
to ensure that your Account will not become effective. If you made a purchase from Dell, 
the phone representative will either cancel your order or obtain another method of 
payment. If you made a purchase from a  Participating Merchant, you should return the 
items purchased to the Participating Merchant. If your purchase arrives at your home after 
you have canceled it and the shipment is left at your home without a signature, do not 
open the boxes. Call the carrie r and tell them that you are refusing shipment. The carrier 
will arrange with you to pick up the shipment and return it to Dell or the Participating 
Merchant  
If you do not contact DFS to cancel your Account and fail to return your purchase to 
Dell or the P articipating Merchant within the applicable return period, your acceptance 
of any products you purchased constitutes use of the credit offered and acceptance of 
the terms and conditions of the Agreement. Your acceptance of the Agreement will 
authorize DFS and/or its affiliates to request an advance of funds pursuant to the 
Agreement to pay for your purchase from Dell or the Participating Merchant.  
 
SPECIAL NOTICE TO ACTIVE MEMBERS OF THE ARMED FORCES :  If you are an 
active member of the Armed Forces, or a dependent of an active member of the Armed 
Forces at the time you established your Account, and you established your Account on or 
after October 3, 2016, the following additional terms apply to this Agreement:  
 
� This Agreement is modified so that the provis ions under the headings �Arbitration  
Notice � and �Arbitration� do not apply to you.   DELL PREFERRED ACCOUNT CREDIT AGREEMENT  
   
 � 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%.  
DELL PREFERRED ACCOUNT CREDIT AGREEMENT  
 
Offered by WebBank, Member FDIC , and serviced by Dell Financial Services.  
 
Definitions. The word �Agreement� refers to your Dell Preferred Account Credit 
Agreement. In this Agreement, the words �you� and �your� mean the person who 
applied for this Dell Preferred Account. With the exception of the arbitration 
provision, the words �we�, �us�, and �our� mean WebBank, who is the lender. 
�Account� means your Dell Preferred Account, which will be governed by this 
Agreement. Dell Financial Services (�DFS�) will service your Account for WebBank.  
 
Use of Your Account. Your use of the open -end credit offered pursuant to this 
Agreement, or its use by anyone you authorize, shall constitute acceptance of the 
terms of this Agreement and the arbitration provision contained in this Agreement. Your use 
of the Account also acknowledges that you are of legal age to enter into a binding agreement 
with us.  
Billing Period.  A Billing Period is the interval between monthly billing statements. The 
Statement Closing Date is the last day of the Billing Period for that statement.  
Payment.  You promise to pay us for all purchases charged to your Account plus any Interest 
Charges and any other charges that may be assessed as provided in this Agreement. You 
promise to pay at least the Minimum Payment Due as shown on your billing statement each 
month by the Payment Due Date. We will advise you of your Payment Due Date each month 
on your billing statement. Your Payment Due Date will be the same day of the month for 
each monthly Billing Period and will be at least 22 days after the close of each Bi lling Period. 
Your Minimum Payment Due is the greater of either $20 or the sum of all past due amounts 
plus any Monthly Planned Payment Due  plus 3% of the New Balance shown on your billing 
statement  (excluding any balance on a Planned Payment Purchase  prior to its expiration 
date), rounded up to the next dollar. However, the Minimum Payment Due for any Billing 
Cycle will never be greater than the total balance  outstanding on the Account at the end of 
such Billing Period.  At any time we can require you to p ay all amounts by which your balance 
exceeds your Credit Limit. You may pay all or any part of your balance at any time without 
penalty.  
When Periodic Interest Charge is Imposed.  Interest Charges on purchases will 
accrue from the date the transaction posts to your Account  until the date we receive 
payment in full of the balance on your Account. However, if you paid in full the New 
Balance from your immediately preceding Billing Per iod by the Payment Due Date shown 
on the statement, then: (1) if your Previous Balance was $0 and you pay the New Balance 
for the current Billing Period by the Payment Due Date shown, you will not be charged 
   
 any Interest Charges; and (2) if you make a paym ent by the Payment Due Date shown 
on the current statement that is less than the New Balance, that payment will be credited 
as of the payment date and interest will be assessed.  
Periodic Interest Charge.  We figure the �Interest Charge� on your Account for any 
Billing Period by applying the Daily Periodic Rate to the Average Daily Balance of your 
Account (including new purchases) and multiplying the result by the number of days in the 
Billing Period. To determine your �Average Daily Balance,� we calculate a new balance 
each day of the Billing Period for each separate credit plan that is part of your Account. 
For each credit plan we do the following: we take the previous balance each day, which 
includes any billed, but unpaid Interest Charges, Late Payment Fee s and other fees, add 
any new purchases or charges, and subtract any payments or other credits. Then, we add 
up all the New Balances for the Billing Period, and divide the total by the number of days 
in the Billing Period. This gives us the Average Daily B alance for each separate credit plan 
that is part of your Account. The Average Daily Balance computation results in the 
compounding of interest on your Account, and you agree that we may compound interest 
on your Account. Please see above, under �When Peri odic Interest Charge is Imposed,� for 
special rules that apply if new purchases are posted  to your A ccount  in Billing Periods when 
your prior Billing Period�s New Balance was $0 or was paid in full. Interest Charges for 
purchases subject to a Promotional Credit Plan  with a deferred interest feature will not be 
added to your Account if you pay your balance in full by the appropriate Payment Due Date. 
If the Interest Charge on any billing statement is less than $2, a minimum Interest Charge 
fee of $2 will be imposed. The fee will be referred to on your billing statement as �Minimum 
Interest Charge Fee.�  
Periodic Rate.  The Daily Periodic Rate and corresponding Annual Percentage Rate (APR) 
are variable rates and may change each month. The Correspond ing Annual Percentage 
Rate (the APR for purchases) that applies to your Account is determined by adding a 
Margin to the Index, which is described below.  
The Daily Periodic Rate is determined by multiplying the APR for purchases by 1/365th 
(1/366th in a leap year).  
The current corresponding APR for purchases, Daily Periodic Rate, Margin and any additional 
restrictions on how we determine the Annual Percentage Rate appear on the Pricing 
Addendum that accompanies and is a part of this Agreement.  
The Index i s the Prime Rate published in the �Money Rates� table by The Wall Street Journal 
the business day immediately preceding the first day of your billing cycle. Any change in the 
Index will cause the corresponding Annual Percentage Rate to be adjusted as of th e first day 
of your Billing Period that begins after the change.  
Promotional Credit Plans.  In addition to purchases that accrue Interest Charges and 
require monthly payments as described previously in this Agreement, Promotional Credit 
Plans may be offered  from time to time on specific purchases. A Promotional Credit Plan 
is strictly limited by its terms and the terms and conditions of the promotion to which it   
 relates. In addition, the benefits of a Promotional Credit Plan may expire and all accrued 
Intere st Charges in these plans will be added to your Account if your Account is placed 
in default. The promotions that may be offered include:  
a) No Interest Credit Plan (sometimes referred to as �Special Financing�) � If you pay 
the full purchase price before the  expiration date of the promotion, as indicated on 
your billing statement, and pay the Minimum Payment Due each Billing Period when 
due, no Interest Charges will be imposed on the purchase. If such payments are 
not made, Interest Charges from the date the transaction posts  will be added to 
your Account at the end of the promotion period. We may offer promotion periods 
of different lengths that we will announce from time to time.  During the last two 
months of any No Interest Credit P lan, amounts paid over t he Minimum Payment Due 
will be applied to the remaining balance of the  No Interest Credit  Plan about to expire . 
b) Promotional Rate Plans � We may offer Promotional Rate Plans with promotional 
periods of different lengths that we will announce from time to time for a specified 
number of days.  
c) Planned Payment Purchases � Promotional purchases on which no interest will be 
charged  on the purchase , repaid in substantially equal monthly installments called 
�Monthly Planned P ayment�. Planned Payment Purchases will be subject to the 
repayment terms offered at the time of the Purchase.  You promise  to pay each 
Monthly Planned Payment by the applicable Payment Due Date during the 
promotional period and pay the Purchase balance in full by the Expiration Da te.  If 
you fail to pay the Purchase balance in full by the Expiration Date, any remaining 
balance after the Expiration Date will be subject to your Standard APR.  
 
Credit Limit.  Your �Credit Limit� on your Account will be shown on your billing 
statement. You, not we, are responsible for preventing the balance on your Account  
from exceeding the Credit Limit. You agree not to make any purchases that would make the 
unpaid balance on your Account exceed your Credit Limit. If you exceed your Credit L imit, 
we may require you to immediately pay the excess and related Interest Charges. You also 
agree that we may increase or lower your Credit Limit at any time.  
Charges.  The following fees, when imposed, will be added to your Account balance. The 
following  amounts are our current fee charges. We reserve the right to change the fee 
schedule from time to time and, if we do so, we will give you any notice required by law. 
You may call Customer Service for a current fee schedule.  
� A Late Payment Fee will be impo sed if you fail to pay us the Minimum Payment Due 
in full by the Payment Due Date on your billing statement. The Late Payment Fee will 
be $29 for the first late payment and $ 40 for additional late payments within the next 
6 billing cycles after any prior l ate payment but will not be more than the amount of 
your Total Minimum Payment Due immediately prior to the late payment.  
� A Returned Payment  Fee will be imposed if your bank returns your check or payment 
instrument to us unpaid, or will not honor your direct debit, or we cannot process 
such payment for any reason. The Returned Payment  Fee will be $ 29 for the first 
returned payment and $ 40 for additional returned payments within the next 6 billing 
cycles after any prior returned payment but will not be more than the amount of   
 your Total Minimum Payment Due immediately prior to the returned payment. You 
will incur the Returned Payment Fee even if  your payment is later honored by your 
bank upon subsequent presentment.  
� The $2 minimum Interest Charge imposed on any billing statement for which a 
periodic Interest Charge is imposed as described in the paragraph entitled �Periodic 
Interest Charge.� It will appear on your billing statement as �Minimum Interest 
Charge Fee.�  
� Miscellaneous Fees may be imposed, including a charge for copies of billing 
statements that we are not required by law to furnish you without charge. The rates 
are: researc h time $15 per hour and billing statements $4 per copy.  
� An Expedited Payment Fee of up to $15 per payment may be imposed for authorizing 
a customer service representative to process a one -time expedited payment through 
the use of Automated Clearing House p rocedures or other electronic funds transfers 
from your checking account. This fee does not apply if you sign up for an ongoing 
automatic payment plan where payments are deducted routinely from a designated 
account.  
Form of Payment.  All payments must be in  U.S. Dollars, and be made by check, money 
order, electronic funds transfer or such other means as we may expressly permit. Do not 
send cash. Payments made via a credit card will not be accepted. Any payment made using 
a check or draft may not be processed  or applied to your Account if it is: postdated; 
incomplete (such as when a signature is missing); the numeric amount is different than the 
written amount; or it is not made payable in accordance with the instructions on your billing 
statement. All credits  for payments on your Account are subject to final payment by the 
institution on which the item of payment was drawn. When you provide a check as payment, 
you authorize us either  to use information from your check to make a one -time electronic 
fund transfer from your bank account or to process the payment as a check transaction. 
When we use information from your check to make an electronic fund transfer, funds may 
be withdrawn from  your bank account as soon as the same day we receive your payment, 
and you will not receive your check back from your financial institution. If you submit as 
payment 3 electronic funds transfers returned for any reason in any 12 month period, you 
agree th at we may refuse to accept subsequent payments by electronic funds transfer even 
if any of the checks was later accepted by your bank.  
Generally, we will not accept any payment that is not drawn either on a financial institution 
located in the U.S. or the U.S. Post Office. If we do, we may charge you any bank collection 
fees we incur. We can accept late or partial payments, and payments that are marked with 
restrictive endorsements such as �payment in full,� without losing any of our rights.  
PLEASE REMIT PA YMENTS TO: Dell Preferred Account, Payment Processing 
Center, P.O. Box 6403 Carol Stream, IL 60197 -6403.  
Application of Payments.  We will apply payments to your Account consistent with 
applicable law. This means that we apply Minimum Payment Due amounts to  any Planned 
Payment Purchases first.  We will generally apply payments in excess of the Minimum 
Payment Due to balances with the higher APRs before balances with the lower APRs.   
 Although we apply payments as of the date we receive them if they are paid in  accordance 
with this Agreement and the instructions on your billing statement, your available Credit 
Limit may not reflect credit for your payment for up to 10 days after we receive your 
payment. In some circumstances, restoring your total available credi t may be further 
delayed.  
Default.  Your Account will be in default if: (1) you exceed the Credit Limit in effect on your 
Account; (2) you fail to pay when due any amount owed under this Agreement; or (3) you 
made any misrepresentations to us in applying for credit. If you are in default we may require 
you to pay the total outstanding balance on your Account immediately. We do not have to 
notify you or demand payment in order to take this action. As described below under Account 
Cancellation, we can cancel or suspend your right to charge addi tional purchases to your 
Account at any time.  
Collection Costs and Attorney Fees.  As permitted by law, you agree to pay all reasonable 
attorney fees, court costs and other collection costs actually incurred by us in the collection 
of any amounts you owe us  under this Agreement or which are incurred by us in the event 
of your bankruptcy or insolvency.  
Security Interest. To the extent permitted by applicable law, you hereby grant to us 
and we are retaining a purchase money security interest under the Uniform Commercial 
Code in the merchandise purchased on your Account until such merchandise is paid for 
in full. You agree to assist us in executing any documents necessary to perfect our 
security interest. If you do not make a Minimum Payment  Due on your Account by the 
Payment Due Date, we may repossess any merchandise that has not been paid for in full to 
the extent permitted by law.  
Account Cancellation.  You may cancel your Account at any time by notifying us in 
writing. We may at any time and for any re ason, without prior notice refuse to authorize 
any purchase on your Account, or suspend your Account and your right to use your 
Account. In addition, we may at any time and for any reason, without prior notice, cancel 
your Account. If we cancel your Accoun t, we may require you to pay the full outstanding 
balance of your Account. No cancellation or suspension of your Account will affect your 
obligation to pay any amount you owe us under this Agreement. You agree that you will 
not try to make a purchase after  you have been notified that your Account has been 
canceled.  
Final Agreement. This Agreement is a final expression of the agreement between you and 
us and may not be contradicted by evidence of any alleged oral agreement.  
Amendments to This Agreement.  We may change or terminate the terms in this 
Agreement or the services or features of your Account (including increasing your Interest 
Charges) at any time as permitted by law. We may also add new terms to this Agreement 
or services and features  to your Account. Any change in terms or any new terms may apply 
to any outstanding balance as well as on subsequent transactions and balances. To the 
extent required by law, we will notify you in advance of any changes in terms or any new   
 terms and any ri ght to reject such changes by mailing a notice to you at your address as 
shown on our records. However, no amendment will eliminate our obligations relating to 
arbitration. Any dispute that arose before an amendment shall be governed by this 
Agreement (inc luding the binding individual arbitration clause) that was in place when the 
Dispute arose.  
Assignment of Account.  We may sell or transfer your Account or any amounts owed on 
your Account to another party at any time without prior notice to you. If we assi gn your 
Account, this Agreement will still be in effect and any successor will have our rights in this 
Agreement to the extent assigned. Following an assignment, the words �we�, �us�, and �our� 
in this Agreement shall refer to any assignee. You shall not h ave any right to transfer your 
Account or assign this Agreement to anyone.  
Telephone Monitoring. Telephone communications with us, including calls with any of our 
agents or independent contractors, are routinely monitored and/or recorded. You expressly 
consent, on behalf of yourself and other users of your phone, to being monitored or 
recorded.  
Mobile Phone Communications.  If you have already or in the future provide us with a 
mobile phone number as your contact number, you expressly authorize us, and our a gents 
or independent contractors, to contact you regarding your Account for non -telemarketing 
communications, via text message or mobile telephone, including by way of pre -recorded or 
auto-dialed calls, using that mobile phone number. Normal mobile phone c harges or text 
message rates may apply. Your consent to use your  mobile phone number may be revoked 
by calling 1 -800-283-2210 or by sending a written notice to us, online or by U.S. Mail, at one 
of the following addresses:  
MyDFS.dell.com  
  or 
Dell Financial Services  
P.O. Box 81575  
Austin, Texas 78708 -1575 
Any revocation by you regarding your mobile phone number shall not revoke our right to 
contact you utilizing any other co ntact information you previously provided to us or may 
provide later.  
Change of Address.  If you move or change your billing address or e -mail address, you 
agree to promptly notify us of your new address in writing or online at MyDFS.dell.com . 
Authorized Us ers. You may give another person authorization to use your Account. You 
are liable for all use of your Account, and you agree to pay all amounts incurred by the use 
of your Account, made by you or anyone to whom you have given authorization to use your 
Account.   
 Liability for Unauthorized Use.  If you notice the loss or theft of your Account or a possible 
unauthorized use of your Account, you should call us immediately at 1 -866-228-9620.  You 
must also contact us in writing to provide information about the lo ss, theft or potential 
unauthorized use of your Account at:  
Dell Financial Services, Attn: Security Department, P.O. Box 81565, Austin, TX 78708  
You will not be liable for any unauthorized use that occurs after you notify us. You may, 
however, be liable for unauthorized use that occurs before your notice to us. In any case, 
your liability will not exceed $50.  
Unauthorized use does not include use by a person to whom you have given authority to 
use your Account.  
Credit Investigation and Reporting. You agree that we may investigate your credit in 
connection with the initial extension, review, or collection of your Account. You agree that 
we may examine employment and income records and verify your credit references  and also 
may report to credit reporting agencies the status and payment history of your Account.  
Delay in Taking Action . We will not lose any of our rights under this Agreement if we 
delay taking action for any reason. To the extent allowed by law, we may  take other action 
not described in this Agreement, and by doing so will not lose our rights under this 
Agreement.  
Severability.  If any provision of this Agreement is found to be unenforceable, all other 
provisions shall remain in full force and effect.  
Applicable Law.  The laws of the United States of America, including the Federal Arbitration 
Act, 9 U.S.C. Sections 1 -16 (the �FAA�), and the laws of the State of Utah apply to and 
govern this Agreement and your use of your Account.  
NOTICE  
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL 
CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE 
SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. 
RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY 
THE DEBTOR HEREUNDER.  
ARBITRATION NOTICE  
THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE. PLEASE READ THIS 
PROVISION CAREFULLY. IT PROVIDES THAT ANY CLAIM RELATING TO YOUR 
ACCOUNT MAY BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION.  YOU ARE 
ENTITLED TO A FAIR HEARING, BUT THE ARBIT RATION PROCEDURES ARE SIMPLER   
 AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION 
DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW. CLAIMS MAY BE ARBITRATED 
ONLY ON AN INDIVIDUAL BASIS. IF EITHER PARTY CHOOSES TO ARBITRATE A 
CLAIM,  NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN 
COURT OR TO  HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A 
CLASS ACTION OR  REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM.  
Arbitration.  Except as expressly provided herein, any claim, dispute or co ntroversy 
(whether based upon contract, tort, intentional or otherwise, constitution, statute, common 
law, or equity and whether pre -existing, present or future including initial claims, counter -
claims, cross -claims and third -party claims), arising from or  relating to you applying for, 
obtaining, or using this Account, this Agreement (including the validity or enforceability of 
this arbitration clause, any part thereof or the entire Agreement), or the relationships which 
result from this Agreement (�Claim�)  shall be decided, upon the election of you or us, by 
binding arbitration pursuant to this arbitration provision and the applicable rules and 
procedures of the arbitration administrator (including any applicable procedures for 
consumer -related disputes) in  effect at the time the Claim is filed. The party initially 
requesting arbitration shall select either the American Arbitration Association (�AAA�) or 
JAMS  (originally, Judicial Arbitration and Mediation Services)  as the arbitration 
administrator. You may change the selection to the other organization listed within 30 days 
after you receive notice of an election to arbitrate. If a selected arbitration administrator 
does not agree to arbitrate a Claim, the remaining  arbitration administrator shall be 
selected. Claims may be referred to an administrator other than the AAA or JAMS if both 
AAA and JAMS are not available. We agree not to invoke  our right to arbitrate any individual 
Claim you bring in small claims court o r an equivalent court so long as the Claim is pending 
only in that court. It is the intent of the parties to require Claims to be submitted to 
arbitration on an individual basis only. Claims subject to this arbitration provision 
may not be joined or consol idated in arbitration with any Claim of any other 
person or be arbitrated on a class basis, in a representative capacity on behalf 
of the general public or on behalf of any other person.  
For the purposes of this arbitration provision, the terms �we� and �us� shall mean 
WebBank and Dell Financial Services L.L.C., their parents, direct and indirect subsidiaries, 
affiliates, licensees, predecessors, successors, assigns and any purchaser of the Account 
or any receivables arising from the use of the Account, a nd each of their respective 
employees, directors and representatives. In addition, for the purposes of this arbitration 
provision, �we� and �us� shall mean any third party providing any products or services to 
you or us in connection with your Account (inc luding but not limited to any credit bureau, 
debt collector or vendor, Participating Merchant, and including their parents, direct and 
indirect subsidiaries, affiliates, licensees, predecessors, successors and assigns, and each 
of their respective employee s, directors and representatives) if such third party is a co -
defendant with us in any Claims asserted by you or if any Claims asserted by you against 
such third party arise from or are related to your Account or any products or services 
provided to you or  us in connection with your Account. For the purposes of this arbitration 
provision, the term �you� shall mean you and any person authorized by you to use your 
Account.    
 Any arbitration pursuant to this provision may be resolved without an in person hearing , 
as determined by the arbitrator. If a hearing is held, it shall take place within the county 
or parish in which you live or at such other reasonably convenient location as agreed 
by the parties.  
In any arbitration, we will pay the entire amount of the ar bitration fees, including any 
required deposit. Each party shall be initially responsible for payment of their own attorney 
fees, witness fees and similar expenses.  
The arbitrator shall apply applicable substantive law consistent with the FAA and 
applicable statutes of limitation and shall honor all claims of privilege and confidentiality 
recognized at law. The arbitrator shall have the sole and exclusive authority to  resolve 
any dispute relating to the enforceability of this arbitration provision including any 
unconscionability challenge or any other challenge that the Agreement or the arbitration 
provision is void, voidable, or otherwise invalid. The arbitrator shall  be empowered to 
grant whatever relief would be available in court under law or in equity. At the conclusion 
of the arbitration, the arbitrator may allocate arbitration fees in accordance with applicable 
law, provided that such fees do not exceed the filin g fees that would have been incurred 
if the Claim had been brought in a state or federal court with jurisdiction over the Claim. 
Where authorized by applicable law, the arbitrator�s award may also include attorney fees, 
witness fees and similar expenses. A t the request of any party, the arbitrator will provide 
a written explanation of the basis for the award and the disposition of each Claim, including 
written findings of fact and conclusions of law. Judgment upon the award may be entered 
in any court havin g jurisdiction.  
This arbitration provision shall survive termination of your Account as well as the  
repayment of all amounts you owe under the Agreement.  If any provision of this arbitration 
agreement is found unenforceable, the unenforceable provision sh all be severed, and the 
remaining arbitration terms shall be enforced (but in no case shall there be a class 
arbitration). In the event of a conflict or inconsistency between the rules and procedures of 
the arbitration administrator and this arbitration pr ovision, this arbitration provision shall 
govern.  
YOU ACKNOWLEDGE THAT IF A CLAIM ARISES YOU MAY BE REQUIRED TO RESOLVE 
THE CLAIM THROUGH ARBITRATION AND ARE GIVING UP YOUR RIGHTS TO LITIGATE 
THAT CLAIM IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CL ASS ACTION 
OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH A CLAIM. OTHER RIGHTS 
THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE OR 
MAY BE LIMITED IN ARBITRATION.  
You may contact the arbitration administrators and obtain their arbitration ru les or learn how 
to file a Claim with the AAA or JAMS as follows:  
American Arbitration Association  
 (800) 778 -7879 
www.adr.org    
 JAMS 
(800) 352 -5267 
www.jamsadr.com  
STATE SPECIFIC DISCLOSURES  
As required by federal and Utah law, you are hereby notified that a negative credit report 
reflecting on your credit record may be submitted to a credit reporting agency if you fail to 
fulfill the terms of your credit obligations.  
Notice for all accounts, including New York/Rhode Island/Vermont 
Residents:  You agree to give us permission to obtain a credit report from a consumer 
reporting agency in connection with this application, any transaction, or extension of 
credit, and on an ongoing basis, for the purpose of performing a routine and occasional 
verification of credit on your Account, adjusting the credit limit on your Account, taking 
collection action on your Accou nt, or for any other legitimate purpose  associated with 
your Account. Upon your request, you will be informed of whether or not a consumer credit 
report was ordered, and if it was, you will be given the name and address of the consumer 
reporting agency tha t furnished the report. New York residents may contact the New York 
State Department of Financial Services at 1 -877-226-5697 or at 1 State Street, New York, 
NY 10004 to obtain a comparative listing of credit card rates, fees and grace periods.  
Notice for California Residents:  California law requires that we inform customers that 
should they fail to fulfill the terms of their credit obligation, a negative report reflecting 
on their credit record may be submitted to a credit reporting agency. If you are marr ied, 
you may apply for a separate account in your own name.  
Notice for Ohio Residents:  The Ohio laws against discrimination require that all creditors 
make credit equally available to all credit worthy customers, and that credit reporting 
agencies maintain  separate credit histories on each individual upon request. The Ohio civil 
rights commission administers compliance with this law.  
Notice for Married Wisconsin Residents:  If you are married, by submitting your 
Account application you are confirming that this Account obligation is being incurred in 
the interest of your marriage and your family. No provision of a marital property 
agreement, a unilateral statement under Sec. 766.59 Wis. Stats., or a court decree under 
Sec. 766.70 adversely af fects the interest of the creditor unless the creditor, prior to the 
time the credit is granted, is furnished a copy of the agreement, statement, or decree or 
has actual knowledge of the adverse provision when the obligation to the creditor is 
incurred. If  the Account for which you are applying is granted, you will notify us if you 
have a spouse who needs to receive notification that credit has been extended to you.  
Your Billing Rights: Keep this Document for Future Use  
This notice tells you about your rig hts 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:  
Dell Preferred Account  
Attn: Billing Inquiry Department  
P.O. Box 81585  
Austin, TX 78708 -1585 
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.  
What Will Happen After We Receive Y our Letter  
When we receive your letter, we must do 2 things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. 
We will also tell you if we have already corrected the error.  
2. Within 90 days of receiving your letter, we must either correct the error or explain to 
you why we believe the bill is correct.  
While we investigate whether or not there has been an error:  
� We cannot try to collect the amount in question, or report you as delinquent on the 
amount.  
� The char ge in question may remain on your statement, and we may continue to 
charge you interest on that amount.    
 � While you do not have to pay the amount in question, you are responsible for the 
remainder of your balance.  
� We can apply any unpaid amount against your credit limit. 
After we finish our investigation, 1 of 2 things will happen:  
� If we made a mistake: You will not have to pay the amount in question or any interest 
or other fees related to that amount.  
 
� If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount 
you owe and the date payment is due. We may then report you as delinquent if you 
do not pay the amount we think you owe.  
If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting th at you are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.  
If we do not follow all of the rules above, you do not have t o pay the first $50 of the amount 
you question even if your bill is correct.  
Your Rights If You Are Dissatisfied With Your Purchases  
If you are dissatisfied with the goods or services that you have purchased with Dell Preferred 
Account, and you have tried in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on the purchase.  
To use this right, all of the following must be true:  
1. The purchase must have been made in your home state or within 10 0 miles of your 
current mailing address, and the purchase price must have been more than $50. 
(Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods 
or service s.) 
2. You must have used your Dell Preferred Account for the purchase. Purchases made 
with cash advances from an ATM or with a check that accesses your Dell Preferred 
Account do not qualify.  
3. You must not yet have fully paid for the purchase.  
If all of  the criteria above are met and you are still dissatisfied with the purchase, contact us 
in writing  at:   
 Dell Preferred Account  
Attn: Billing Inquiry Department  
P.O. Box 81585  
Austin, TX 78708 -1585 
 
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquen t. 
 
 
Terms Rev. 11182019