NEBRASKA FURNIT URE M ART REVOLVING  CHARG E AG REEM ENT   

1.  I (Cardholder) agree to pay for all purchases charged to my account by me or any person authorized to use the account in accordance with the terms of this agreement. My liability is joint and several with any cardholders signed below 
or otherwise becoming party to the account or this agreement.  Any person authorized to use the account, by use of the account, accepts the terms of this agreement and grants the same rights and authorizations as though a party to 
this agreement.  I understand that this agreement is with Nebraska Furniture Mart, Inc., a Nebraska corporation, and its wholly owned subsidiaries, NFM of Kansas, Inc., TXFM, Inc., Homemakers Plaza, Inc. (collectively 
hereinafter referred to as “NFM”).  All rights to payment are assigned to Nebraska Furniture Mart, Inc. All charges on the account are subject to the prior approval of NFM.  Except for the arbitration provisions, NFM has the right to 
change any terms of this agreement by sending me a written notice.  Use of the card/charges to the account 14 days after such notice will constitute agreement to the revised terms.  NFM will send me a written notice a 
minimum of 45 days before the effective date of the change.  Under the circumstances which will be described in any such notice, I  may have the right to reject such change before the effective date and close the 
account.  

C o l l a t e r a l  

2.  I and any authorized  person by use of the account grant to NFM a purchase money security interest to the fullest extent allowed under the Uniform Commercial Code and all applicable  law  in all  merchandise purchased under this 
agreement,  until  fully  paid.    I  agree  that  the  purchase  of  such  merchandise  is  for  personal,  family,  or  household  use  only.    NOTICE:  If  payments  are  not  made  as  agreed,  or  the  account  is  otherwise  in  default,  NFM  can 
repossess  any  merchandise which has not  been  paid  for in  full,  without  breach  of the  peace.  Merchandise  purchased  under  this  agreement  will  not  become  fixtures  nor  shall  the  merchandise  become  accessions  to  other 
merchandise.  No merchandise purchased under this agreement is intended to serve as collateral or security for any other purchase.  NFM has elected not to cross-collateralize the items sold under this agreement.  

3.  If I charge a service contract or extended warranty to my account, I agree that NFM may, upon my default and with such notice and compliance with any other requirements of applicable law, contact the issuer, cancel the contract or 

warranty, and collect the unearned premiums, if any, for application against my account balance. 

4.  I will keep the merchandise purchased in good condition and free from liens and other security interests, will pay promptly all taxes and assessments thereon and will not destroy or dispose of the merchandise or encumber it until NFM 

has been paid in full for said merchandise. 

5.  Loss or damage to merchandise will  not release me from the obligation to pay after I have accepted delivery of said merchandise.  I agree and understand that NFM is authorized to take all  necessary action to perfect and continue 
perfection of its security interest in all  merchandise purchased pursuant to this agreement.  This  writing contains the full, final and exclusive statement of the parties.  NFM reserves the right to demand  payment  by cash or certified 
check. 

P r o m o t i o n a l   P u r c h a s e s  

6.  I understand any  purchases I make under promotions identified as “Deferred Interest” accrue interest from the date of delivery using  the  Average Daily Balance  method  described below,  but  payment of the accrued interest  will  be 
deferred until  the end of the promotion, as long as  monthly  payments are timely received  by NFM. An average  daily  balance subject to interest  which carries promotional  deferred interest terms includes prior interest accrued. This 
accrued interest will be included in the balance for purposes of the interest calculation until the purchase amounts are fully paid. If the purchase amounts are fully paid before the end of the promotional period, the accrued interest will 
be waived.  If the purchase amounts are not fully paid, the accrued interest will be added to my balance payable.  I understand that if I fail to make on-time payments, all promotional terms may be canceled and all interest accrued from 
the date of delivery may be added to my balance payable, which will continue to accrue interest at the regular interest rate.   

7.  I understand any  purchases I make under promotions identified as “Promotional Interest” accrue interest from the date of delivery using the Average Daily Balance method described below. I understand that if I fail to make on-time 

payments, all promotional terms may be canceled and my balance will revert to the regular interest rate. 

8.  I understand the terms of this agreement apply  to all purchases and that any  promotional terms that are different from the terms in this agreement  will  be explained on  promotional advertising or other disclosures provided to  me. I 
understand  I  may  need  to  pay  more  than  the  minimum  payment  required  each  month  in  order  to have  purchases fully  paid  before  the  end  of  promotional  periods.    I  understand  any  remaining  balance  still  owed  at  the  end  of  the 
promotional period will revert to the regular interest rate and will continue to accrue interest at that rate until fully paid. 

9.  If I have a  balance on  my account or if transactions have occurred  within a statement period, NFM  will send  me a statement.   It  will show a  date identified as the  Statement Date, and  will show  the  total balance payable as of the 
Statement Date identified as the New Balance.  I can pay the total balance on my account at any time.  I agree to pay at least the amount identified as the Minimum Monthly Payment on or before the Payment Due Date specified on 
the statement, which will be a minimum of 21 days from the Statement Date.  The Minimum Monthly Payment will be 4% of the New Balance rounded to the next higher dollar amount or $15.00, whichever is greater, plus the unpaid 
amount of any late, returned payment and insurance fees.  I can always pay more than the Minimum Monthly Payment.  I understand the unpaid portion of promotional purchases (excluding the “Deferred Interest”) will be included in 
the calculation of the Minimum Monthly Payment. 

10.  NOTICE:  If  I pay the New Balance on or before the Payment Due Date, no interest charge will be added to my balance payable for that month.  Otherwise, interest charges accrue from the date each transaction is 

S t a t e m e n t s   a n d   P a y m e n t s  

posted. 

11.  Unless applicable law otherwise requires, payments will be applied first to outstanding late, returned payment and insurance fees.  The Minimum Monthly Payment, as well as any excess over the Minimum Monthly Payment, will then 
be applied as follows: first to amounts with promotional “Deferred Interest” terms during the last two cycles of the promotional period; next to interest-bearing amounts, in interest rate order, higher rates first; then to other amounts with 
promotional “Deferred Interest” terms in the order of expiration, soonest first. 

12.  I hereby authorize NFM to charge to my account any purchase which I or any person authorized to use the account make via telephone or the internet.  I and any authorized person understand that, at the time of purchase, I or any 
such authorized person must provide to NFM certain information to verify identity and account number.  I understand that any purchases made in this manner will be subject to a purchase money security interest as described above.  I 
acknowledge  that  purchases made by  me or any authorized  person via  telephone or the internet  will  not be  documented  by a sales receipt  bearing  my initials or signature or those of any such authorized  person.   I and any such 
authorized  person agree that  lack of a signature or initials in these circumstances will  not  be a valid  basis to dispute NFM’s security interest or my obligation to  pay for the  purchase unless I have  properly complied  with the  billing 
dispute procedures as referred to herein. 

13.  NOTICE: Pricing or mathematical errors are subject to revision by NFM upon written notice to me. 
14.  NOTICE: If I do not pay the total New Balance by the Payment Due Date, an interest charge will be added to the account for the current billing period.  THE INTEREST CHARGE WILL BE A PERIODIC RATE OF 1.5% PER 

MONTH (ANNUAL PERCENTAGE RATE OF 18%), COMPUTED ON THE AVERAGE DAILY BALANCE (INCLUDING CURRENT TRANSACTIONS). 

15.  To calculate the Average Daily Balance, NFM will take the beginning balance of my account each day, add any new purchases or charges, and subtract any payments or credits.  This gives NFM the daily balance.  Then 

NFM will add all the daily balances from the billing cycle and divide the total by the number of days in the billing cycle.   This gives NFM the Average Daily Balance. 

16.  If I fail to make payments as agreed, or I am otherwise in default, my entire balance (including all interest previously deferred) may, at NFM’s option and after such notice, opportunity to cure and/or other requirements of applicable law, 
become due and payable.  NFM’s waiver of any default shall not operate as a waiver of any other default. I agree to pay reasonable expenses, court costs and attorney fees incurred by NFM to the extent allowed by applicable law if 
NFM  elects  to  enforce  its rights  under  this  agreement,  including  but  not  limited  to  repossessing  its  collateral  without  breach  of  the  peace,  or  any  other  rights  with  regard  to  its  security  under  the  Uniform  Commercial  Code  and/or 
applicable law. 

D e f a u l t   a n d   A c c e l e r a t i o n 

17.  NOTICE: If I fail to make my Minimum Monthly Payment within the number of days shown below, NFM may, to the 

extent allowed by applicable law, charge me a late payment fee as shown below which will be added to my balance.  
No late payment fee shall exceed $25 or the Minimum Monthly Payment due.   

18.  NOTICE:  If  I  make any payment that is not honored by the bank on which it is drawn or is 
returned, NFM may, to the extent allowed by applicable law, charge me a returned payment 
fee  as  shown  below  which  will  be  added  to  my  balance.  No  returned  payment  fee  shall 
exceed $25. 

O t h e r   C h a r g e s   a n d   F e e s  

Nebraska Residents 

after 10 days late 

$5 or 5% of the unpaid amount, whichever is greater 

Nebraska Residents 

Iowa Residents 

after 10 days late 

$15 

Iowa Residents 

$15 

$20 

Kansas Residents 

after 10 days late 

Missouri Residents 

after 10 days late 

$5 if the unpaid amount is $25 or less 
$10 if the unpaid amount is over $25 

$5 if the unpaid amount is less than $25 
$10 if the unpaid amount is $25 or more 

Texas Residents 

after 21 days late 

$15 

Kansas Residents 

$25 after written notice 

Missouri Residents 

Texas Residents 

Oklahoma Residents 

after 10 days late 

$22 or 5% of the unpaid amount, whichever is greater 

Oklahoma Residents 

Louisiana Residents 

after 10 days late 

$10 or 5% of the unpaid amount, whichever is greater 

Louisiana Residents 

Arkansas Residents 

after 10 days late 

$25 

Residents of other states 

after 10 days late 

$25, or the maximum permitted by applicable law, 
whichever is less 

Arkansas Residents 

Residents of other states 

M i s c e l l a n e o u s  

19.  I hereby authorize NFM to utilize information from any credit reporting agency at its option to periodically evaluate my credit rating and to make credit decisions based upon that information.  This is a continuing authorization and may 

be terminated only by written revocation delivered to NFM pursuant to paragraph 20. 

20.  I understand that the address given with my application, or my email address, as per my request, is the address to which NFM will send any written notices to me required hereunder.  In the event the address cannot be used, NFM is 
authorized to use the address I give in regard to the most recent transaction on the account.  In the event I change addresses I must notify NFM in writing of such change of address.  NFM’s address for written notice purposes is: 700 
S 72nd St, Omaha, NE 68114. 

21.  I understand any phone number or email address I provide in connection with this account, including personal or work email, land line or mobile phone, may be used by NFM or its subsidiaries, affiliates or debt collectors to contact me 
in regard to my account, and I consent to communication made with any other persons at such number or address.  Methods of contact may include use of pre-recorded messages and automated dialing systems. I acknowledge that 
certain of these calls may result in telecommunications charges to me. 

22.  For all returned, exchanged, or canceled merchandise, I agree to pay a reasonable fee to be determined by NFM.  Such charges will be subject to the same terms as my purchases.  I agree to the terms printed on the front and reverse 

sides of, or which are provided with or as attachments to the NFM sales receipt, which are incorporated herein by this reference. 

23.  This  agreement  shall  be  governed  by  and  construed  under  federal  laws  and  the  laws  of  the  state  of  Nebraska,  except  to  the  extent  described  in  paragraphs  17  and  18  above  or  determined  to  be  subject  to  other  state  law 

notwithstanding this choice of law. 

24.  It is NFM’s intent to comply with all federal and state laws and regulations which might cover any transaction under this agreement.  Consequently, if there is a conflict between any term or condition of this agreement and applicable 
federal or state law or regulation, this agreement will be interpreted in such a way as to conform with the requirements of such law or regulation and, to the extent any non-conformity cannot be resolved, the term or condition will be 
construed to have been omitted from this agreement. Any interest received over an applicable limit will be applied to the account balance or refunded. 

25.  NOTICE to Texas residents: To contact NFM about this account, call 1-800-359-1200. This agreement is subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 N. Lamar Blvd, Austin, 

TX 78705-4207; 800-538-1579; www.occc.state.tx.us; and can be contacted relative to any inquiries or complaints.  

26.  ARBITRATION:  NFM and I agree that any claim or dispute (“Claim”) between me and NFM and/or between me and NFM’s employees, directors, owners, subsidiaries, affiliates, agents or representatives arising from or relating to this 
agreement  (whether  contract,  tort,  equity  or  statutory),  may,  at  the  election  of  any  such  party,  be  resolved  exclusively  through  binding  mandatory  arbitration  with  the  American  Arbitration  Association  (“AAA”)  or  another  mutually 
acceptable arbitration association, except that (a) any party may file a case in a small claims court as long as it remains in such court and the Claim and any counterclaim are an individual Claim and not a class action, and (b) if NFM 
sues in court to collect amounts I owe, I agree that any counterclaim I may bring in such action shall be brought on an individual basis only and not as a class action. NO PARTY MAY BRING A CLAIM OR COUNTERCLAIM AS A 
CLASS REPRESENTATIVE OR PARTICIPANT IN A CLASS OR COLLECTIVE ACTION.  IF A CLAIM  IS ARBITRATED, THE ARBITRATION REPLACES THE RIGHT TO GO TO COURT INCLUDING THE RIGHT TO A JURY. 
The arbitrator shall not  have  the right to  grant any class action in any form. The arbitrator shall  not award relief in a form or amount that exceeds that available under applicable  law. Unless the arbitration rules require otherwise, 
arbitration costs and fees will be split equally up to $400. NFM will pay any additional arbitration costs and fees subject to reapportionment in the award.  For information on AAA rules and filing a case, visit www.adr.org. This clause 
shall inure to the benefit of and be binding on each party and their respective heirs, successors and assigns. This clause is governed by the Federal Arbitration Act and shall survive termination or payoff of this agreement. 

ANY HOLDER OF THIS CONSUMER CREDIT AGREEMENT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT 
AGAINST THE SELLER OF THE GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF 

ver003 10-2014 

$20 

$15 

$25 

$25 

$25 

$25, or the maximum permitted by applicable law, 
whichever is less 

 
 
 
 
 
NEBRASKA FURNITURE MART REVOLVING CHARGE AGREEMENT 
PRICING ADDENDUM 

Interest Rates and Interest Charges 
Annual Percentage Rate  
(APR) for Purchases 

How to Avoid Paying Interest  

18% 
Your payment due date is at least 21 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. 
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 www.consumerfinance.gov. 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 
Fees 
Penalty Fees 
 Late Payment 
 Returned Payment 
How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”   
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided with the account opening disclosures. 
Security Interest:  To the extent allowed by applicable law, a purchase money security interest will be taken in merchandise purchased under the account. 

Up to $25  
Up to $25  

ver003 10-2014