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”). 

Effective as of May 19, 2022 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Purchases 

21.49% to 30.99% when you open your account, based on your creditworthiness. After that, your APR 
will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any Interest 
on purchases if you pay your entire balance by the due date each month. 

For Credit Card Tips from the Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at consumerfinance.gov/learnmore 

Fees 

Annual Fee 

None 

Transaction Fee 
Foreign Purchases 

None 

Penalty Fees 

- Late payment 

Up to $40 

- Returned payment 

$29 

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 second business day of the same month in which your billing cycle closes. 
The margin which will be added to the Prime Rate for purchases is 16.74% - 26.24%.  As of July 12, 2022 
the Prime Rate was 4.75%. 

The issuer of the credit card program is WebBank, Member   FDIC. The information about the cost of the 
Card described in this table is accurate as of July 12, 2022. This information may change after that date. 
To find out what may have changed, call or write the servicer, Petal Card, Inc., at 855-697-3825 or Petal 
Card, Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168. 

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, Member FDIC, 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, including any 
cash-like transaction, even if you have sufficient available credit to complete the purchase. Cash-like 
transactions include, but are not limited to, the following transactions to the extent they are accepted: 

• purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other 
similar digital or virtual currency and other similar transactions; 

• purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online 
betting transactions; 

• person-to-person money transfers and account-funding transactions that transfer currency; and 

• making a payment using a third party service including bill payment transactions not made directly 
with the merchant or their service provider. 

We reserve the right to deny any purchase for any reason, such as account default, suspected fraudulent 
or unlawful activity, internet gambling, or any indication of increased risk related to the purchase. We 
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, rounded to the 6th 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 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 minimum payment due that was due immediately prior to the date on which 
the payment was returned to us. 

(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 by mail 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 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. We reserve the right to refuse any non-conforming payments. 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 or our refusal of your non-conforming payment 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 (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, if any material financial accounts are linked to 
your Account, you must provide us and our service providers access to financial data by inputting your 
login credentials and linking such material financial 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 
accounts on the Petal Website as login credentials change. We promise to use the information in linked 
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, including the specific information you are 
disputing and the basis for your dispute. You may also contact us at the email on your statement. We 

 
 
 
 
will research your issue and will let you know if we agree or disagree with you, or if we have determined 
the dispute to lack merit. 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. 

The Arbitration Clause of this Agreement does not apply to you if you are a Covered Borrower nor do 
any provisions of the Agreement that waive any right to legal recourse under any state or federal law to 
the extent required by the Military Lending Act. 

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 

What is arbitration? 

Short Answer 

An alternative to a court case 

Futher Detail 

In arbitration, a third party arbitrator (“TPA”) resolves “Claims” (as defined below) in a hearing. It is less 
formal than a court case. 

Question 

Is it different from court and jury trials? 

Short Answer 

Yes 

Futher Detail 

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. 

Question 

Can you opt-out of this Clause? 

Short Answer 

Yes, within 30 days 

Futher Detail 

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. 

Question 

Can you opt-out of this Clause? 

Short Answer 

The parties' agreement to arbitrate Claims 

 
 
Futher Detail 

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. 

Question 

Who does the Clause cover? 

Short Answer 

You, us, Petal and certain "Related Parties" 

Futher Detail 

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. 

Question 

What Claims does the Clause cover? 

Short Answer 

All Claims (except certain Claims about this Clause) 

Futher Detail 

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. 

Question 

Who handles the arbitration? 

Short Answer 

Usually AAA or JAMS 

Futher Detail 

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. 

Question 

Can Claims be brought in court? 

Short Answer 

Sometimes 

Futher Detail 

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. 

Question 

Are you giving up any rights? 

Short Answer 

Yes 

Futher Detail 

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. 

 
 
 
 
 
 
Question 

Can you or another consumer start class arbitration? 

Short Answer 

No 

Futher Detail 

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. 

Question 

What happens if part of this Clause cannot be enforced? 

Short Answer 

It depends. 

Futher Detail 

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. 

Question 

What law applies? 

Short Answer 

The Federal Arbitration Act (“FAA”) 

Futher Detail 

 
 
 
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. 

Question 

Will anything you do make this Clause ineffective? 

Short Answer 

No 

Futher Detail 

This Clause stays in force even if: (1) this Agreement ends; or (2) we transfer or assign our rights under 
this Agreement. 

BILLING-ERROR RIGHTS NOTICE—EXHIBIT B 

Your Billing Rights: Keep This Document for Future Use 

This notice tells you about your rights and our  responsibilities under the Fair Credit Billing Act. 

What To Do If You 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. 

 
 
 
 
 
 
• 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 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. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two 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 that amount. 

• The charge 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, one of two 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 that 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 to pay the first $50 of the amount you 
question even if your bill is correct. 

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 this Agreement through an 
electronic transmission to us represents your signature, address and the date on this Agreement, 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.