The Petal 1 Visa® Credit Card Cardholder Agreement 
Important disclosures 
Rates, fees, and other important information about the Petal 1 VISA® Credit 
Card (“Card”) are set forth in these Important Disclosures. The customized 
version of these Important Disclosures (the “Customized Disclosures”) that we 
provide you prior to your first use of the Card or the related credit card account 
are part of the Petal 1 VISA® Credit Card Cardholder Agreement (“Agreement”).  

How We Will Calculate Your Balance: We use a method called “average daily 
balance (including new purchases).”  See the Agreement for more detail. 

Variable APR; Daily Periodic Rate: The APR on your Account will be 
determined each billing cycle by adding a margin to the Prime Rate (U.S.) as 
published in the Money Rates section of The Wall Street Journal (the “Index”) on 
the 25th day of the month or the following business day. If the Prime Rate 
changes, your new rate will take effect on your next billing period. The margin 
which will be added to the Prime Rate for purchases is 16.74% - 26.24%. As of 
September 15, 2020 the Prime Rate was 3.25%. 

Credit Limit: Your initial credit limit will be between $500-$5,000, based on your 
creditworthiness. 

Arbitration Clause; Notices: PLEASE REVIEW THE ARBITRATION CLAUSE 

 
 
 
 
AND NOTICES SET FORTH IN EXHIBITS A-C OF THE AGREEMENT. 

Petal 1 VISA® Credit Card 
Cardholder Agreement 

EXHIBIT A TO THE AGREEMENT IS AN ARBITRATION CLAUSE. UNLESS 
YOU ARE A “COVERED BORROWER” PROTECTED BY THE MILITARY 
LENDING ACT (THE “MLA”) OR UNLESS YOU PROMPTLY REJECT THE 
ARBITRATION CLAUSE, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR 
RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING 
OR PARTICIPATE IN A CLASS PROCEEDING. 

This Agreement governs the Petal 1 VISA® credit card account (“Account”) and 
related credit card (“Card”) provided by WebBank, a Utah-chartered, FDIC-
insured bank located in Salt Lake City, Utah (the “Bank”). This Agreement 
includes the Important Disclosures we provided to you after approving you for the 
Account (the “Customized Disclosures”), the Arbitration Clause attached as 
Exhibit A, the Billing Error Rights Notice attached as Exhibit B, the State Notices 
attached as Exhibit C, your credit card application, and, as applicable, the 
Privacy Policy, and Risk-Based Pricing Disclosure. In this Agreement, the words 
“we,” “us,” and “our” mean the Bank, its successors and assigns, and, for 
purposes of the Arbitration Clause, the Related Parties identified in the 
Arbitration Clause. The words “you,” “your”, “yours” and “Cardholder” mean the 
person who applied for, received and accepted the Account from the Bank. 

1. Accepting this Agreement. This Agreement becomes effective and legally 
binding when you activate your Card by following the instructions on the 
Activation page of www.petalcard.com or a Petal mobile application (“Petal 
Website”). You and we agree to comply with, and be bound by, this entire 
Agreement. You should retain and carefully review this entire Agreement, and 
sign your Card before using it. By completing your application for the Account 
(and unless you promptly reject the arbitration clause or are a “covered borrower” 
protected by the Military Lending Act), you agree to the Arbitration Clause even if 
you do not use the Account or the Card. 

2. Purchases. You may use your Account to purchase or lease goods or 
services (each, a “purchase”) by presenting your Card or providing to 
participating merchants and establishments that honor the Card your Card 
number and additional information by any other means (for example, over the 
phone, online or through a mobile app). We will not be liable to you (or anyone 
else) if any merchant or other person cannot or will not process a purchase 
permitted under this Agreement. Unless prohibited by applicable law, we may 

 
 
 
 
 
from time to time limit the type, number and dollar amount of any purchase, even 
if you have sufficient available credit to complete the purchase, and may 
terminate or suspend your use of the Card or the Account, with or without notice 
to you before or at the time we take such action. Cash advances and balance 
transfers are not available under this Agreement. 

3. Prohibited Uses of Account. You agree that you will only use the Account for 
personal, family and household purposes and will not use the Account for any 
unlawful purpose or for the purpose of paying us on this or any other form of 
credit account you may have with us. If you use your Card for any such purpose, 
we may declare you to be in default under this Agreement and we may block 
such transactions and/or terminate your Account, but you still will be liable to us 
for all charges relating to such transactions and all other transactions on your 
Account at the time it is closed. Further, you agree that you will not allow any 
other person to use the Card or Account without our consent. However, your 
breach of any of these promises will not affect or limit your liability to us with 
respect to your purchases. If you authorize or allow any person to use your 
Account, such authorization will be deemed to extend to all purchases by such 
person, even if not intended by you, and will continue until you have taken all 
steps necessary to prevent any further use of the Account by such person, even 
if you have advised us that such person is no longer authorized to use the 
Account.  

4. Promise to Pay  You promise to pay us for all amounts charged to the 
Account, including all purchases, interest, and charges charged to your 
Account.  You are obligated to repay us for all transactions made using 
your Card by people you have authorized to use the Card even if their use 
of the Card exceeds the authorization which you gave them. 

5. Credit Limit; Available Credit.  

(a) We have disclosed your initial credit limit in your approval email. We will 
disclose your then-current credit limit and available credit on each monthly 
statement we send you. We may increase or decrease your credit limit at any 
time, on our own initiative or at your request (if we accept such requests). We 
may also close your Account or suspend your ability to use the Account at any 
time. We will provide any notice required by applicable law if we take any 
adverse action on your Account. 

(b) At any time, your available credit equals the excess (if any) of your credit limit 
over your outstanding Account balance (including principal, fees and interest 
charges).  You agree not to attempt any purchase that exceeds your available 
credit. For purposes of determining your available credit, we do not give effect to 

 
 
 
 
 
any payment prior to the time we determine that the payment has been made 
with sufficient funds. Depending on your payment method, this may take up to 20 
days.  We are not required to approve any purchase if the amount of the 
purchase exceeds your available credit but we may authorize and pay any such 
purchase in our absolute discretion. Whenever the outstanding balance of the 
Account exceeds your credit limit, you agree to pay us the difference on demand 
unless and to the extent that we have reduced your credit limit below your pre-
existing balance prior to the reduction. 

6. Monthly Statements. We will send you a monthly statement shortly after the 
end of each monthly billing cycle with any activity, fee or interest charge or an 
ending debit or credit balance in excess of $1.00. However, we are not obligated 
to send you a monthly statement if we deem your Account to be uncollectible or 
applicable law does not require us to send you a monthly statement for other 
reasons. Your monthly statements will show, among other matters, the 
outstanding balance at the start and end of the billing cycle (that is, the “previous 
balance” and “new balance,” respectively); purchases; payments, credits and 
adjustments; interest charges and fees; your credit limit and available credit; and 
the minimum payment due and payment due date.  

7. Interest Charges. 

(a) General. We use the “average daily balance (including new purchases)” 
method to calculate your interest charges. This means that, each billing cycle, we 
determine your interest charges by multiplying the average daily balance (which 
is shown on your monthly statements as the “balance subject to interest rate”) 
times the daily periodic rate and then by multiplying this amount by the number of 
days in the billing cycle. 

(b) Grace Period on Purchases.  

(i) If your Account balance is $0 at the beginning of a billing cycle or you pay the 
entire Account balance as of the beginning of a billing cycle by the payment due 
date that falls in such billing cycle, you get a “grace period” and will not be 
charged any interest charges for such billing cycle. 

(ii) If you do not get a grace period for a billing cycle but you got a grace period 
for the immediately preceding billing cycle, we will not charge interest charges on 
purchases that were outstanding during such preceding billing cycle to the extent 
such purchases are paid by the payment due date that falls in the current billing 
cycle. 

(iii) If you get a grace period on purchases for a billing cycle on account of a 

 
 
 
 
 
 
 
payment that is dishonored or reversed in the next billing cycle or a credit that is 
reversed in the next billing cycle due to the resolution of a billing dispute, we will 
charge you in the next billing cycle the interest charges you avoided in the prior 
billing cycle due to the dishonored or reversed payment or credit. 

 (c) Interest Rates.  

(i) The daily periodic rate equals the APR divided by 365, truncated at the 11th 
decimal place. 

(ii) The APR each billing cycle equals the sum of the Margin shown on your 
Customized Disclosures and the WSJ Prime Rate, determined as of the second 
business day (not weekends or federal holidays) of the same month in which 
your billing cycle closes (the “Determination Date”).  Accordingly, the APR (and 
daily periodic rate) may vary. The “WSJ Prime Rate” is the highest U.S. Prime 
Rate as published in the “Money Rates” section of The Wall Street Journal on the 
Determination Date (or if The Wall Street Journal does not publish such rate on 
such day, the latest prior day it does publish such rate). (If The Wall Street 
Journal stops publishing the U.S. Prime Rate in its “Money Rates” section, then 
we may substitute another index and margin, in our sole discretion, subject to 
applicable law.) Notwithstanding the foregoing, the APR and daily periodic rate 
will never exceed the maximum rates permitted by applicable law.  

(iii) Unless you qualify for a grace period (see subsection (b)), if and when the 
APR increases, more interest charges will accrue. This will result in higher and/or 
more payments if you pay the minimum payment due each month. Unless you 
qualify for a grace period, if and when the APR decreases, less interest charges 
will accrue. This will result in lower and/or fewer payments if you pay the 
minimum payment due each month. 

(d) Balances Subject to Interest Rate.  

(i) The average daily balance (also known as the balance subject to interest rate) 
equals the sum of the closing daily Account balances for each day of the billing 
cycle, divided by the number of days in the billing cycle.  

(ii) If you get a grace period for a billing cycle (see subsection (b)(i)), the Account 
balance is treated as $0 for each day in the billing cycle (and the average daily 
balance is $0). Otherwise, the closing balance for each day in the billing cycle is 
computed as follows:  

(A) For each day (including the first day of the billing cycle), we start with the 
prior day’s closing balance, if any.  

 
 
 
 
 
 
 
 
(B) For the first day of the Billing cycle, if you received a grace period for the 
immediately preceding billing cycle, we deduct all payments and credits applied 
to purchases and posted by the payment due date that falls within the current 
billing cycle. 

(C) For each day in the billing cycle (including the first day of the billing cycle), we 
add any new purchases posted to your Account, we add the interest charges 
from the prior day (the prior day’s closing balance times the daily periodic rate), 
add any fees charged that day, and subtract any payments or credits. However, 
we do not subtract a second time any payments or credits that have already 
been subtracted in step (B) above. (This method results in the daily compounding 
of interest charges.) 

(D) We treat any negative daily balance as $0. 

(e) Interest Accrual Periods. We charge interest charges over the following 
periods: 

(i) If you get a grace period for the billing cycle in which the purchase is posted to 
the Account (the “Purchase Cycle”) and for the next billing cycle (the “Next 
Cycle”), we charge no interest charges at all. 

(ii) If you get a grace period for the Purchase Cycle but not for the Next Cycle, we 
charge interest charges from the first day of the Next Cycle through the earlier of: 
(1) the day the purchase is repaid in full; or (2) the day before the beginning of 
the first billing cycle that comes after the Next Cycle and for which you get a 
grace period (the “Interest End Date”). 

(iii) If you do not get a grace period for the Purchase Cycle, we charge interest 
charges from the day the purchase is posted to the Account through the Interest 
End Date. 

8. Fees. Subject to applicable law, including the federal Truth in Lending Act and 
Regulation Z, you agree to pay the following fees:  

(a) Penalty fees.  

(i) Each time we do not receive the minimum payment due in full within 3 days of 
the payment due date, we will charge you a late fee of $29.00 if we have not 
charged (or waived) a late fee within the six immediately preceding billing 
cycles.  However, we will charge a late fee of $40.00 if we have already charged 
(or waived) a late fee within the six immediately preceding billing cycles. We will 

 
 
 
 
 
 
 
 
 
 
never charge a late fee exceeding the minimum payment due that is late.  

(ii) Each time a payment on your Account is returned or reversed for any reason 
or we must return any check or instrument you send us because it is not signed 
or is otherwise incomplete, we will charge you a returned payment fee of $29.00. 
However, we will not charge a returned payment fee if we are charging a late fee 
with respect to the same minimum payment due and will never charge a returned 
payment fee exceeding the related minimum payment due. 

(b) Additional fees. We may charge fees for special services you request in 
accordance with applicable law. 

9. Limits on Interest, Fees and Charges. It is not our intent to charge or collect 
any interest, fee or charge in excess of the amount permitted by applicable law. If 
any interest, fee or charge is finally determined to be in excess of the amount 
permitted by applicable law, we will credit the excess amount against the 
outstanding balance in your Account or refund it to you. 

10. Payments.  

(a) Each month, you must pay at least the minimum payment due shown on your 
monthly statement by the “cut-off time” on the payment due date shown on your 
monthly statement. The payment due date will be at least 25 days after the date 
of the monthly statement and will typically be on the same day of each calendar 
month. However, if the payment due date falls on a day we do not receive mail (a 
“non-business day”), we will not treat your payment as late for any purpose if we 
receive it by the cut-off time on the next day we receive mail (a “business day”). 
The “cut-off time” is 8:00 p.m. Eastern Time for payments made online through 
the Petal Website or over the phone or 5:00 p.m. Eastern Time if you mail-in a 
payment by check or money order. 

(b) If the new balance shown on your monthly statement for a billing cycle (the 
“Statement Cycle”) is less than $25.00, the minimum payment due in the next 
billing cycle (the “Payment Cycle”) equals such new balance. Otherwise, the 
minimum payment due equals the sum of: (i) $25.00 or 2% of such new balance 
(excluding any interest charges, late fees, and any amount past due), whichever 
is greater;  and (ii) interest charges for the Statement Cycle; (iii) any late fees; 
and (iv) any amount past due at the end of the Statement Cycle. 

(c) You agree to make all payments in U.S. dollars in accordance with our 
instructions online on the Petal Website, by phone or by a check or money order 
drawn on a financial institution located in the U.S. All payments by check or 
money order must be mailed or delivered to us at the payment address shown on 

 
 
 
 
 
 
 
the front of your monthly statement. Any payments received after the cut-off time 
on a business day or received on a non-business day will be credited on the next 
business day. However, credit to your Account may be delayed for up to five 
days if we accept a check or money order that is not: (i) received by mail or 
messenger service at the payment address on your monthly statement; or (ii) 
accompanied by the top portion of your monthly statement. Delayed crediting 
may cause you to incur additional fees and interest charges, subject to applicable 
law.  

(d) Subject to applicable law, we may apply payments and other credits to your 
Account in any manner we choose in our sole discretion.  We will usually apply 
the Minimum Payment first to interest charges and then to balances. Although 
your Minimum Payment will be applied in any order at our discretion, payments in 
excess of the Minimum Payment will be applied to balances with the highest APR 
first and then to lower rate balances in descending order of APR. This means 
that balances with higher APRs are reduced before balances with lower APRs for 
any amount of your payment that is in excess of your Minimum Payment due.  

(e) All credits for payments to your Card are subject to final payment by the 
institution on which the payment item was drawn. Depending upon the type of 
payment you make, your available credit may not be restored for up to 20 days 
after we receive a payment. 

(f) You agree not to send us payments marked “paid in full,” “without recourse” or 
with similar language. If you send such a payment, we may accept it without 
losing any of our rights under this Agreement, including our right to collect the full 
amount owed by you. All written communications concerning disputed amounts, 
including any check or other payment instrument that indicates that the payment 
constitutes “payment in full” of the amount owed or that is tendered with other 
conditions or limitations or as full satisfaction of a disputed amount, must be 
mailed or delivered to the Notice Address (as defined in Section 18), Attn: 
Disputed Payments.  

11. Prepayment. At any time, you may pay all or any part of your 
outstanding Account balance, without penalty. Payment of more than the 
minimum payment due in one billing cycle will not relieve you of the obligation to 
pay the entire minimum payment due in subsequent billing cycles. 

12. Termination. Subject to applicable law, we may suspend, revoke or cancel 
your Account privileges, your right to use the Card or deny any transaction, in our 
sole discretion at any time, with or without cause and with or without giving you 
notice.  Any termination of credit privileges, whether initiated by us or by you, will 
not affect any of our rights or your obligations under this Agreement, including 

 
 
 
 
 
your obligation to repay any amounts you owe us according to the terms of this 
Agreement. On our demand or upon termination of credit privileges, you agree to 
surrender to us or destroy the Card. If you attempt to use the Card after the 
termination of credit privileges (whether or not we have provided notice of such 
termination), the Card may be retained by a merchant, ATM or financial 
institution where you attempt to use the Card. 

13. Default. Subject to applicable law, we may declare you to be in default under 
this Agreement if: (a) you fail to pay any minimum payment due on or before the 
payment due date; (b) you attempt to or do exceed your credit limit; (c) you make 
a payment that is dishonored or reversed; (d) you die or are declared legally or 
mentally incompetent; (e) a petition is filed or other proceeding is commenced by 
or against you under the Federal Bankruptcy Code or any other federal or state 
insolvency laws; (f) you become insolvent or unable to pay your debts; (g) you 
provide us with any false or misleading information; (h) you breach any of your 
other obligations under this Agreement; (i) you are in default of any other credit 
agreement you have with us or with Petal (as defined in Section 16); or (j) we 
have any reason to believe you are unwilling or unable to pay your debts. 

Idaho, Iowa, Kansas, Maine and South Carolina Residents Only: We may 
declare you to be in default if you fail to make a payment as required by this 
Agreement (or within 10 days of the time required by this Agreement, for Iowa 
residents) or if the prospect of your payment or performance is significantly 
impaired (for Iowa residents, if, following an event of default, the prospect of your 
payment is materially impaired).  We have the burden of establishing the 
impairment of such prospect of payment or performance. 

Wisconsin Residents: We may declare you to be in default (a) if you permit to 
be outstanding an amount exceeding one full payment which has remained 
unpaid for more than 10 days after its scheduled due date or deferred due date, 
or if you fail to pay the first payment or last payment within 40 days of its 
scheduled due date or deferred due date or (b) if you fail to observe any other 
provision of this Agreement, the breach of which materially impairs your ability to 
pay the amounts due under the Agreement. 

14. Remedies. In the event of your default under this Agreement, we may, 
subject to applicable law (including any applicable notice requirement): (a) 
declare all or any portion of your outstanding Account balance to be immediately 
due and payable; (b) instead allow you to repay your Account balance by paying 
the minimum payment due each billing cycle, without waiving any rights under 
subsection (a); and/or (c) commence a collection action against you and charge 
you for any court costs and/or any reasonable attorneys’ fees and costs we are 
charged in connection with such action by any attorney who is not our salaried 

 
 
 
 
employee. After a default, interest charges will continue to accrue until your total 
Account balance, including accrued interest charges, is paid in full, subject to 
applicable law. 

15. Delay in Enforcement. We may at any time and in our sole discretion delay 
or waive enforcing any of our rights or remedies under this Agreement or under 
applicable law without losing any of those or any other rights or remedies. Even if 
we do not enforce our rights or remedies at any one time, we may enforce them 
at a later date. For example, we may accept late payments or payments that are 
marked “payment in full” or with other restrictive endorsements without losing any 
of our rights under this Agreement.  

16. Servicer. Petal Card, Inc. (“Petal”), along with its partners and service 
providers, is the servicer of your Account and Card. In that capacity, Petal may 
act on our behalf, perform our obligations or enforce our rights under this 
Agreement. 

17. Communications and Call Recording. You authorize WebBank and Petal 
Card Inc. (one of WebBank’s service providers) and each of WebBank’s and/or 
Petal’s joint or independent affiliates, agents, assigns, and service providers 
(collectively, the “Messaging Parties”) to use automatic telephone dialing 
systems, artificial or prerecorded voice message systems, text messaging 
systems and automated email systems, or any system capable of storing and 
dialing telephone numbers to deliver messages relating to this Agreement, your 
Account, or your relationship with the Messaging Parties more generally 
(including but not limited to: messages about , upcoming Payment Due Dates, 
missed payments and returned payments) to any telephone number(s) you 
provide to the Messaging Parties. You also agree that these messages may 
deliver prerecorded and/or artificial voice messages. You understand that 
telephone messages may be played by a machine automatically when the 
telephone is answered, whether answered by you or someone else, and that 
these messages may also be recorded by your answering machine.  You also 
authorize the Messaging Parties to deliver messages to you via mail or email at 
any addresses you supply to them or that they obtain through any legal means. 

You understand that anyone with access to your mail, telephone or email 
account may listen to or read the messages the Messaging Parties leave or send 
you, and you agree that the Messaging Parties will have no liability for anyone 
accessing such messages. You further understand that, when you receive a 
telephone call, text message or email, you may incur a charge from the company 
that provides you with telecommunications, wireless and/or internet services, and 
you agree that the Messaging Parties will have no liability for such charges 
except to the extent required by applicable law. You expressly authorize the 

 
 
 
 
Messaging Parties to monitor and record your calls with the Messaging Parties. If 
any telephone number you have provided to the Messaging Parties changes, or if 
you cease to be the owner, subscriber, or primary user of any such telephone 
number, you agree to immediately give notice to the Messaging Party who 
delivered the messages of such facts so that the Messaging Party can update its 
records. 

This authorization is part of our bargain concerning this Agreement, and we do 
not intend it to be revocable. However, to the extent you have the right to revoke 
your consent to communications by autodialed calls and text messages to your 
mobile number under applicable law, you may exercise this right by contacting 
the applicable Messaging Party directly or by sending a request by email to 
support@petalcard.com with the subject line “END COMMUNICATIONS.” You 
may opt-out of receiving most of these messages at any time by sending us a 
request to support@petalcard.com or by responding “STOP” to any text 
message. To stop emails only, you can follow the opt-out instructions included at 
the bottom of the Messaging Parties’ emails.  

18. Notices and Change in Information. All notices to us must be sent to Petal 
Card, Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168, or such 
other address we subsequently provide you (the “Notice Address”), Attn: Notices 
(or as otherwise set forth in this Agreement). To the extent permitted by 
applicable law, any notice you send us will become effective after we have 
received it and had a reasonable opportunity to act on such notice. Any written or 
electronic correspondence we send to you will become effective when we send it 
to you at your mail address (or your email address if you have authorized 
electronic communications), in each case as it appears on our records. All 
bankruptcy notices and related correspondence to us may be sent to Petal Card, 
Inc., MSC – 166931, Attn: Bankruptcy Notice, P.O. Box 105168, Atlanta, GA 
30348-5168. You must notify us of any changes to your name, mailing or email 
address, or cell phone number within 15 days of such change. You must notify us 
of changes to your mailing, email address or cell phone number by updating such 
information on the Petal Website. You must notify of us changes to your name by 
writing to the Notice Address, Attn: Name Change. 

19. Access to Financial Data. While the Account is open, you must provide us 
and our service providers access to financial data in all material financial 
accounts held in your name (e.g., bank accounts, credit card accounts, etc.) by 
inputting your login credentials and linking such accounts on the Petal Website. 
Access to your financial data does not give us the right to initiate a preauthorized 
transfer; we must obtain such authorization separately, and you are not required 
to provide us such authorization as a condition of opening or using this Card. You 
promise to keep login credentials up-to-date and to update the linked bank 

 
 
 
accounts on the Petal Website as login credentials change or new accounts are 
opened. We promise to use the information in such financial accounts in 
compliance with our Privacy Policy and all applicable laws. 

20. Credit Reporting. You authorize us to obtain information from you and to 
make whatever inquiries we consider necessary and appropriate (including 
requesting consumer reports from consumer reporting agencies and data from 
your bank, wealth manager or other financial services provider) in considering 
your Application and for any lawful purpose, including any updates, renewals or 
extensions of credit, reviewing or collecting your Account or determining your 
eligibility for future credit or other offers that we believe may be of interest to you. 
Upon your request to us, we will inform you of the name and address of any 
consumer reporting agency that provides us a consumer report relating to 
you. We may also furnish information concerning you and your Account to 
other creditors, other financial institutions and credit bureaus. Late 
payments, missed payments, returned payments or other defaults on your 
Account may be reflected in your credit report. 

21. Inaccurate Information. You have the right to dispute the accuracy of 
information we have reported to a credit bureau. If you think any information 
about your Account that we have reported is incorrect, please write us at the 
Notice Address, Attn: Credit Reporting. Include your name, address, Account 
Number, phone number and a brief description of the issue. If available, please 
include a copy of the credit report in question. You may also contact us at the 
email or phone number on your statement. We will research your issue and will 
let you know if we agree or disagree with you. If we agree with you, we will 
contact the consumer reporting agency we reported to and request a correction. 

22. Identity Theft. If you believe that you have been the victim of identity theft in 
connection with your Account or in connection with any other loan or extension of 
credit made by us, you can request an Identity Theft Form by calling toll free 1-
855-697-3825 or writing to Petal at the Notice Address, Attn: Identity Theft. You 
should send us a police report and written statement in the form we provide you 
alleging that you are the victim of identity theft for a specific debt. Once we 
receive your documentation, we will cease debt collection activity until we have 
reviewed the materials, determined that the debt is still collectible, complied with 
all obligations described in the Billing Rights Notice below and sent you a written 
notice describing the basis for our determination. 

23. Military Lending Act. Federal law provides important protections to 
members of the Armed Forces and their dependents (“Covered Borrowers”) 
relating to extensions of consumer credit. In general, the cost of consumer credit 
to a Covered Borrower may not exceed an APR of 36%. 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 bona fide and participation fees for a credit card account). To 
hear disclosures related to the Military Lending Act, please call this toll-free 
number: 1-800-213-5794. 

24. Lost or Stolen Cards. If your Card is lost or stolen or if you think someone 
may be using your Card or Account without your permission, you must notify us 
promptly by calling 1-855-697-3825. 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 receipt of your notice by us.  

25. Governing Law. Except as provided in the Arbitration Agreement below, this 
Agreement and your Account are governed by federal law and, to the extent 
state law applies, the laws of the State of Utah without regard to its conflicts of 
law principles. 

26. Severability. Subject to the Arbitration Agreement: (a) if any part of this 
Agreement conflicts with applicable law, that law will control, and this Agreement 
will be considered changed to the extent necessary to comply with that law; and 
(b) if any part of this Agreement is determined by a court of competent 
jurisdiction to be invalid, the remainder of this Agreement will remain in effect. 

27. Bankruptcy. You promise that you are not a debtor under any proceeding in 
bankruptcy, have not consulted a bankruptcy attorney in the past six months and 
have no current intention of filing a petition for relief under the United States 
Bankruptcy Code. All bankruptcy notices and related correspondence to us must 
be sent to Petal at the Notice Address, Attn: Bankruptcy Notice.   

28. Notice and Cure. Prior to initiating a lawsuit or arbitration regarding a legal 
dispute or claim relating in any way to this Agreement, the Account or the Card 
(as more fully defined in the Arbitration Clause, a “Claim”), the party asserting the 
Claim (the “Claimant”) must give the other party (the “Defending Party”) written 
notice of the Claim (a “Claim Notice”) in accordance with the notice provisions of 
this Agreement (see Section 18). Any Claim Notice you send must be addressed 
to the Notice Address, Attn: Legal Claim, and must provide your Account Number 
and phone number. Any Claim Notice must explain the nature of the Claim and 
the relief that is demanded. The Claimant must reasonably cooperate in 
providing any information about the Claim that the Defending Party reasonably 
requests and must give the Defending Party a reasonable opportunity, not less 
than 30 days, to resolve the Claim on an individual basis. 

 
 
 
 
 
 29. Waiver of Right to Class Actions. NO CLASS ACTIONS. YOU AGREE 
AND ACKNOWLEDGE THAT PURSUANT TO UTAH CODE ANN. § 70C-4-105 
YOU ARE WAIVING YOUR RIGHT TO INITIATE OR PARTICIPATE IN A 
CLASS ACTION RELATED TO THIS AGREEMENT. 

30. Waiver of Right to Trial by Jury. YOU AND WE ACKNOWLEDGE THAT 
THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY 
BE WAIVED IN CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED 
BY LAW. YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY 
RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF 
OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL 
NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE 
ARBITRATION CLAUSE, WHICH CONTAINS ITS OWN SEPARATE JURY 
TRIAL WAIVER. 

31. Entire Agreement. You acknowledge that this Agreement constitutes the 
entire agreement between you and us with respect to the Account and the Card. 
This Agreement supersedes and may not be contradicted by evidence of any 
prior or contemporaneous written or oral communication or understanding 
between you and us concerning the Account or the Card. If we offer or provide 
rewards in connection with the Account, the disclosures relating to such rewards 
are separate and not part of this Agreement. 

32. Customer Privacy. Our privacy policy is provided separately in accordance 
with applicable law and can be viewed online at 
https://www.petalcard.com/privacy-policy. 

33. Assignment. We may at any time and without notice to you, sell, pledge or 
transfer this Agreement or any Account balances to any party at any time. If we 
do so, then the purchaser, pledgee or transferee will succeed to all our applicable 
rights and responsibilities. You may not assign or transfer this Agreement or any 
of your rights and obligations under this Agreement.  Any such assignment or 
transfer by you will be void. 

34. Change of Terms. Subject to applicable law, we may at any time change, 
add to or delete terms and conditions of this Agreement, including interest rates 
and this Change of Terms provision. Such changes may be based on our anti-
fraud policies and procedures, your level of compliance with this Agreement, your 
credit score, other information contained in your credit report, prevailing 
economic conditions and/or any other factors. We will give you notice of any 
change, addition or deletion as required by applicable law. As of the effective 
date, the changed terms, at our option, will apply to new purchases and the 

 
 
 
 
 
 
outstanding balances of your Account, to the extent permitted by applicable law. 

35. Special Offers and Payment Plans. At our discretion, we may make special 
offers to you at any time. Such offers may apply to all purchases or balances on 
your Account, or only to some purchases or balances. We will provide to you the 
terms of any special offer and tell you how they differ from this Agreement. 
Except as provided in any special offer, the rest of this Agreement will still apply 
to your Account. These offers may include payment plans and skip payment 
offers. We may make special offers to certain cardholders and not others based 
on eligibility criteria established in our sole discretion. The availability of such an 
offer to certain cardholders shall not require that the offer be made available to all 
cardholders. 

36. Recurring Purchases. You may authorize a merchant to initiate purchases 
on a recurring basis to your Account. Upon the issuance by us of a new Card 
with a new Account number or expiration date, you may need to provide the 
merchant with such updated information in order to continue the recurring 
transactions. However, you authorize us to provide updated information to the 
merchant at our discretion. You must contact the merchant if you want to cancel 
automatic billing. 

37. Check Conversion Notification; Electronic Check Re-Presentment If 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 funds 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. In the event a check is 
returned unpaid for insufficient or uncollected funds, we may re-present the 
check electronically.  

38.  Foreign Currency Transactions.  If you make a transaction using your 
Account in a foreign currency (including, for example, online purchases from a 
merchant located outside of the U.S.), the credit card association will convert any 
transaction in foreign currency into U.S. dollars using an exchange rate for the 
applicable central processing date that is (1) selected by the association from the 
range of rates available in wholesale currency markets, which rate may vary from 
the rate the association receives, or (2) the government mandated rate. The 
conversion rate you get may differ from the rate on the transaction date or the 
posting date, and from the rate that the credit card association gets. A merchant 
or other third party may convert a transaction into U.S. dollars or another 
currency, using a rate they select, before sending it to the credit card association. 

 
 
 
 
 
39. Headings. The section headings of this Agreement are inserted only for 
convenience and are in no way to be construed as substantive parts of this 
Agreement. 

ARBITRATION CLAUSE—EXHIBIT A 

We have put this Arbitration Clause (“Clause”) in question and answer form to 
make it easier to understand. However, this Clause is part of this Agreement and 
is legally binding. For purposes of this Clause, our Notice Address is: Petal Card, 
Inc., Attn: Petal Legal Department, MSC – 166931, P.O. Box 105168, Atlanta, 
GA 30348-5168.  

Background and Scope. 

Question 
Short Answer 
Futher Detail 

What is arbitration? 
An alternative to a court case 
In arbitration, a third party arbitrator (“TPA”) resolves “Claims” (as defined below) in a 
hearing. It is less formal than a court case.  
Is it different from court and jury trials? 
Yes 
The hearing is private. There is no jury. It is usually less formal, faster and less 
expensive than a lawsuit. Pre-hearing fact finding (called “discovery”) is limited. Appeals 
are limited. Courts rarely overturn arbitration awards. 
Can you opt-out of this Clause? 
Yes, within 30 days 
If you do not want this Clause to apply, you must send us a signed notice within 30 
calendar days after you agree to this Agreement. You must send the notice in writing 
(and not electronically) to our Notice Address, Attn. Arbitration Opt-Out Notice. Provide 
your name, address and date. State that you “opt out” of the arbitration clause. 
What is this Clause about? 
The parties' agreement to arbitrate Claims 
Unless you are a member of the Armed Forces or a dependent of such a member, 
protected by the MLA (a “Covered Borrower”) or unless you opt out, you and we agree 
that any party may elect to arbitrate or require arbitration of any "Claim" as defined 
below. 
Who does the Clause cover? 
You, us, Petal and certain "Related Parties"  
This Clause governs you, us and our “Related Parties": (1) Petal; (2) our and Petal’s 
parents, subsidiaries, affiliates, assigns and successors; (3) employees, directors, 
officers, shareholders, members and representatives of ours or such other entities; and 
(4) any person or company that is involved in a Claim you pursue at the same time you 
pursue a related Claim against the Bank or Petal. However, this Clause does not 
apply if you are a Covered Borrower. 

 
 
What Claims does the Clause cover? 
All Claims (except certain Claims about this Clause) 
This Clause governs all “Claims” that would usually be decided in court and are 
between the Bank or any Related Party and you. In this Clause, the word “Claims” has 
the broadest reasonable meaning. It includes contract and tort (including intentional tort) 
claims and claims under constitutions, statutes, ordinances, rules and regulations. It 
includes all claims even indirectly related to the Card or Account, your application for 
the Account, this Agreement or our relationship with you. It includes claims related to 
collections, privacy and customer information. It includes claims related to the validity in 
general of this Agreement. However, it does not include Claims about the validity, 
coverage or scope of this Clause or any part of this Clause. All such Claims are 
for a court and not the TPA to decide.  
Who handles the arbitration? 
Usually AAA or JAMS 
Arbitrations are conducted under this Clause and the rules of the arbitration company in 
effect at the time the arbitration is commenced. However, arbitration rules that conflict 
with this Clause do not apply. The arbitration company will be either: 

-- The American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, 
NY 10019, www.adr.org. 

-- JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com. 

-- Any other company picked by agreement of the parties. 

If all the above options are unavailable, a court will pick the arbitration company. No 
arbitration brought on a class basis may be administered without our consent by 
any arbitration company that would permit class arbitration under this 
Clause. The TPA will be selected under the arbitration company's rules. However, the 
arbitrator must be a lawyer with at least ten years of experience or a retired judge 
unless you and we otherwise agree. 
Can Claims be brought in court? 
Sometimes 
You or we may bring a lawsuit if the other party does not demand arbitration. We will not 
demand arbitration of any lawsuit you bring as an individual action in small-claims court. 
However, we may demand arbitration of any appeal of a small-claims decision or any 
small-claims action brought on a class basis. 
Are you giving up any rights? 
Yes 
For Claims subject to this Clause, you give up your right to: 

1. Have juries decide Claims. 
2. Have courts, other than small-claims courts, decide Claims. 
3. Serve as a private attorney general or in a representative capacity. 
4. Join a Claim you have with a Claim by other consumers. 
5. Bring or be a class member in a class action or class arbitration. 

 
 
 
 
 
We also give up the right to a jury trial and to have courts decide Claims you wish 
to arbitrate. 
Can you or another consumer start class arbitration? 
No 
The TPA is not allowed to handle any Claim on a class or representative basis. All 
Claims subject to this Clause must be decided in an individual arbitration or an 
individual small-claims action. This Clause will be void if a court rules that the TPA can 
decide a Claim on a class basis and the court's ruling is not reversed on appeal.  
What happens if part of this Clause cannot be enforced?  
It depends. 
If any portion of this Clause cannot be enforced, the rest of this Clause will continue to 
apply, except that:  

(A)  If a court rules that the TPA can decide a Claim on a class or other representative 
basis and the court's ruling is not reversed on appeal, only this sentence will apply and 
the remainder of this Clause will be void.  AND 

(B)  If a party brings a Claim seeking public injunctive relief and a court determines that 
the restrictions in this Clause prohibiting the TPA from awarding relief on behalf of third 
parties are unenforceable with respect to such Claim (and that determination becomes 
final after all appeals have been exhausted), the Claim for public injunctive relief will be 
determined in court and any individual Claims seeking monetary relief will be 
arbitrated.  In such a case the parties agree to request that the court stay the Claim for 
public injunctive relief until the arbitration award pertaining to individual relief has been 
entered in court. 

In no event will a Claim for class relief or public injunctive relief be arbitrated. 
What law applies? 
The Federal Arbitration Act (“FAA”)  
This agreement involves interstate commerce. Thus, the FAA governs this Clause. The 
TPA must apply substantive law consistent with the FAA. The TPA must honor statutes 
of limitation and privilege rights. Punitive damages are governed by the constitutional 
standards that apply in judicial proceedings. 
Will anything you do make this Clause ineffective? 
No 
This Clause stays in force even if: (1) this Agreement ends; or (2) we transfer or assign 
our rights under this Agreement. 

PROCESS 

Question 
Short Answer 

 
 
 
 
 
 
 
 
Futher Detail 

What must a party do before starting a lawsuit or arbitration? 
Send a written Claim Notice and work to resolve the Claim 
Before starting a lawsuit or arbitration, the Claimant must comply with Section 28 of this 
Agreement, captioned “Notice and Cure.” 
How does arbitration start? 
Mailing a notice 
The hearing is private. There is no jury. It is usually less formal, faster and less 
expensive than a lawsuit. Pre-hearing fact finding (called “discovery”) is limited. Appeals 
are limited. Courts rarely overturn arbitration awards. 
Will any hearing be held nearby?  
Yes 
The TPA may decide that an in-person hearing is unnecessary and that he or she can 
resolve a Claim based on written filings and/or a conference call. However, any in-
person arbitration hearing must be held at a place reasonably convenient to you. 
What about appeals? 
Very limited 
Appeal rights under the FAA are very limited. The TPA's decision will be final and 
binding, except for any FAA appeal right. Any appropriate court may enter judgment 
upon the arbitrator's award.  
Do arbitration awards affect other disputes? 
No 
No arbitration award involving the parties will have any impact as to issues or claims in 
any dispute involving anyone who is not a party to the arbitration, nor will an arbitration 
award in prior disputes involving other parties have any impact in an arbitration between 
the parties to this Clause.   

ARBITRATION FEES AND AWARDS. 

Question 
Short Answer 
Futher Detail 

Who bears arbitration fees? 
Usually, we do  
We will pay all filing, administrative, hearing and TPA fees if you act in good faith, 
cannot get a waiver of such fees and ask us to pay.  
When will we cover your legal fees and costs? 
If you win 
If you win an arbitration, we will pay your reasonable fees and costs for attorneys, 
experts and witnesses. We will also pay these amounts if required under applicable law 
or the arbitration company's rules or if payment is required to enforce this Clause. The 
TPA shall not limit his or her award of these amounts because your Claim is for a small 
amount. 

 
 
 
 
Will you repay us for arbitration or attorneys' fees? 
Only for bad faith  
The TPA can require you to pay fees incurred by us if (and only if): (1) the TPA finds 
that you have acted in bad faith (as measured by the standards set forth in Federal Rule 
of Civil Procedure 11(b)); and (2) this power does not make this Clause invalid. 
Can a failure to resolve a Claim informally result in a larger recovery for you? 
Yes 
You are entitled to an arbitration award of at least $5,000 if: (1) you give us notice of a 
Claim on your own behalf (and not on behalf of any other party) and comply with all of 
the requirements of this Clause (including the requirements described in response to 
the question reading "What must a party do before starting a lawsuit or arbitration?)"; 
and (2) the TPA awards you money damages greater than the last amount you 
requested at least ten days before the arbitration commenced. This is in addition to the 
attorneys' fees and expenses (including expert witness fees and costs) to which you are 
otherwise entitled. This $5,000 minimum award is a single award that applies to all 
Claims you have raised or could have raised in the arbitration. Multiple awards of 
$5,000 are not contemplated by this Clause. Settlement demands and offers are strictly 
confidential. They may not be used in any proceeding by either party except to justify a 
minimum recovery of $5,000.  
Can an award be explained? 
Yes 
A party may request details from the TPA, within 14 days of the ruling. Upon such 
request, the TPA will explain the ruling in writing. 

BILLING-ERROR RIGHTS NOTICE—EXHIBIT B 

What To Do If You Think You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at: 

WebBank, c/o Petal Card, Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 
30348-5168, Attn: Billing Dispute.  

You also may send us an email to support@petalcard.com with the subject line 
“DISPUTE”. 

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. 

You must notify us of any potential errors in writing or electronically. 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. 

While we investigate whether or not there has been an error, the following are 
true: 

• We cannot try to collect the amount in question, or report you as delinquent on 
that amount. 

• The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount. But, if we determine that we made a mistake, 
you will not have to pay the amount in question or any interest or other fees 
related to 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. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with 
your credit card, 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 100 miles of 
your current mailing address, and the purchase price must have been more than 
$50. (Note: Neither of these is 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 services.) 

2. You must have used your credit card for the purchase. To the extent we offer 
them, purchases made with cash advances from an ATM or with a check that 
accesses your credit card 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 or 

 
 
 
 
 
 
 
 
 
 
 
 
electronically at: 

WebBank, c/o Petal Card, Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 
30348-5168, Attn: Billing Dispute.  

You also may send us an email to support@petalcard.com with the subject line 
“DISPUTE”. 

While we investigate, the same rules apply to the disputed amount as discussed 
above. After we finish our investigation, we will tell you our decision. At that point, 
if we think you owe an amount and you do not pay we may report you as 
delinquent. 

STATE NOTICES—EXHIBIT C 

Residents of All States: NOTICE TO THE APPLICANT - 1. DO NOT SIGN 
THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS 
BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN 
COPY OF THIS CREDIT AGREEMENT AND AN EXACT COPY OF THE 
PAPER YOU SIGN. 3. YOU MAY AT ANY TIME PAY MORE THAN THE 
MINIMUM PAYMENT, OR YOUR ENTIRE BALANCE IN FULL WITHOUT 
INCURRING ANY ADDITIONAL CHARGE FOR PREPAYMENT. 

Cardmembers: Your signature (including any digital or electronic signature), 
address and the date on the application, or other evidence of indebtedness, or 
your acceptance of these Terms and Conditions through an electronic 
transmission to us represents your signature, address and the date on these 
Terms and Conditions, which are incorporated herein by reference. 

Residents of All States, including California, New York, Rhode Island, Utah 
and Vermont: You give us and our agents, successors, and assigns permission 
to access your credit report in connection with any transaction, or extension of 
credit, and on an ongoing basis, for the purpose of reviewing this Account, taking 
collection action on this Account, or for any other legitimate purposes associated 
with this 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 that furnished the report. As required 
by 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. 

Residents of All States, including Iowa, Maine, Missouri, Nebraska, Oregon, 

 
 
 
 
 
 
 
 
 
Texas, Utah and Washington: ORAL AGREEMENTS OR COMMITMENTS TO 
LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING 
REPAYMENT OF A DEBT, INCLUDING PROMISES TO EXTEND OR RENEW 
SUCH DEBT, ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER) 
AND US (CREDITOR) FROM MISUNDERSTANDING OR DISAPPOINTMENT, 
ANY AGREEMENTS WE REACH COVERING SUCH MATTERS ARE 
CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE 
STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY 
LATER AGREE IN WRITING TO MODIFY IT. 

California Residents: Married applicants may apply for separate accounts. 

Delaware, Maryland and Oregon Residents: Service charges not in excess of 
those permitted by law will be charged on the outstanding balances from month 
to month. You may pay more than the minimum payment due, up to your entire 
outstanding balance, at any time. 

Idaho Residents:  We will not seek to collect attorneys’ fees in situations where 
the principal balance is $1000.00 or less.  

Illinois Residents: (a) No applicant may be denied a credit card on account of 
race, color, religion, national origin, ancestry, age, sex, marital status, physical or 
mental handicap unrelated to the ability to pay or unfavorable discharge from 
military service; (b) the applicant may request the reason for rejection of his or 
her application for a credit card; (c) no person need reapply for a credit card 
solely because of a change in marital status unless the change in marital status 
caused a deterioration in the person’s financial position; and (d) a person may 
hold a credit card in any name permitted by law that he or she regularly uses and 
is generally known by, so long as no fraud is intended thereby. 

Maryland Residents: You have the right under Section 12-510 of the 
Commercial Law Code to receive an answer to a written inquiry concerning the 
status of your Account. Finance charges will be imposed in amounts or at rates 
not in excess of those permitted by law. 

New Hampshire Residents: You shall be awarded reasonable attorney's fees if 
you prevail in any legal action you bring against us or we bring against you. If you 
successfully assert a partial defense, set-off or counterclaim against us in an 
action we bring against you, the court or arbitrator may withhold from us the 
entire amount or such portion of the attorney's fees as it considers equitable. You 
or your attorney may file a complaint with the New Hampshire Commissioner of 
Banking, State of New Hampshire Banking Department, 53 Regional Drive, Suite 
200, Concord NH 03301. Instructions for filing complaints can be found on the 

 
 
 
 
 
 
Commissioner's website at www.nh.gov/banking/consumer-
assistance/complaint.htm. 

New Jersey Residents: Because certain provisions of the Agreement are 
subject to applicable laws, they may be void, unenforceable or inapplicable in 
some jurisdictions. None of these provisions, however, is void, unenforceable or 
inapplicable to New Jersey residents. The section headings in this Agreement 
serve as a Table of Contents and not contract terms. 

New York Residents: New York residents may contact the New York State 
Department of Financial Services to obtain a comparative listing of credit card 
rates, fees and grace periods by calling 1-800-342-3736, or on the web at 
www.dfs.ny.gov. 

Ohio Residents: The Ohio laws against discrimination require that all creditors 
make credit equally available to all creditworthy 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. 

Washington Residents: In accordance with the Revised Code of Washington 
Statutes, Section 63.14.167, you are not responsible for payment of interest 
charges that result solely from a merchant's failure to transmit to us within seven 
working days a credit for goods or services accepted for return or forgiven if you 
have notified us of the merchant's delay in posting such credit, or our failure to 
post such credit to your account within three working days of our receipt of the 
credit. 

Married Wisconsin Residents: If you are married: (i) you confirm that this 
Account is being incurred in the interest of your marriage or family; (ii) no 
provision of any marital property agreement, unilateral statement, or court decree 
under the Wisconsin Marital Property Act will adversely affect a creditor's interest 
unless, before the time credit is granted, the creditor is furnished a copy of that 
agreement or decree or is given complete information about the agreement or 
decree; (iii) you understand and agree that we will provide a copy of this 
Agreement to your spouse for his or her information.  If the Account for which you 
are applying is granted, you will notify us if you have a spouse by sending your 
name and your spouse's name and address to us at WebBank, c/o Petal Card, 
Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168. 

Married Wisconsin Residents: If you are applying for individual credit or joint 
credit with someone other than your spouse, and your spouse also lives in 
Wisconsin, combine your financial information with your spouse's financial 
information.