Cardholder Agreement 

The Parties to this Agreement  
In this Agreement (as defined in the paragraph below), the words “you” and “your” refer to each person 
who requests that we establish a credit card account (the “Account”) and issue a Final Visa® Credit Card (a 
“Card”) to that person. The words “we”, “us”, “our” and “FB&T” mean First Bank & Trust (the issuer of 
the Card), located in Brookings, SD. Definitions of additional terms are contained in other paragraphs of 
this Agreement. Final, Inc. will service your Card and Account for First Bank & Trust. 

Credit Card Agreement and Disclosure Statement 
This document and the table of account-opening disclosures (“Disclosures”) make up your credit card 
agreement (this “Agreement”) with us. They are referred to together throughout this document as the 
Agreement. This Agreement contains important terms and disclosures regarding your Account and sets 
forth the legal rights and obligations between you and us. This Agreement becomes effective only if we 
establish an Account for you and issue you a Card.  Please read this Agreement carefully and keep it for 
future reference. You will be bound by the terms of the Agreement unless you cancel your Account within 
30 days after you receive your credit card and before you use your Card or Account. You may cancel your 
account by cutting your card in two and returning it to Final, Inc. PO Box 543000 Omaha, NE 68154 or 
contacting us at 1-855-552-5375 

Your Acceptance of the Terms of this Agreement  
If you apply for a Card from us, or use a Card we issue to you, or use the card number(s) associated with 
the account, or if another person uses the Card or account number with your authorization, you will be 
deemed to have accepted and agreed to all of the terms and conditions of this Agreement.  
If you do not wish to be bound by the terms and conditions of this Agreement, do not use the Card or 
authorize another person to use it. Instead, cut all of the Cards in two and return them to us within 30 days 
after you receive them or contact us at 1-855-552-5375. 

Important Information About Procedures for Opening an Account 
To help the government fight the funding of terrorism and money laundering activities, Federal law 
requires all financial institutions to obtain, verify, and record information that identifies each person who 
opens an account. What this means to you: When you apply for an account, we will ask for your name, 
street address, date of birth, social security number, and other information that will allow us to identify you. 
We may also ask to see copies of identifying documents. We also ask for country of citizenship. 

Consent To Use Electronic Signatures and Communications 

(a) Your Consent: To the extent permitted by applicable law, you consent to use electronic 
signatures and to electronically receive all records, notices, statements, communications, and other 
items for all services provided to you under this Agreement and in connection with your 
relationship with us (collectively, “Communications”) that we may otherwise be required to send 
or provide you in paper form (e.g., by mail). You acknowledge that you have read and accepted 
the Electronic Communications Agreement.  By accepting and agreeing to this Agreement 
electronically, you represent that: (1) you have read and understand this consent to use electronic 
signatures and to receive Communications electronically; (2) you satisfy the minimum hardware 
and software requirements specified in the [electronic communications agreement]; and (3) your 
consent will remain in effect until you withdraw your consent as specified below. 
(b) Your Right to Withdraw Your Consent: Your consent to receive Communications 
electronically will remain in effect until you withdraw it. You may withdraw your consent to 
receive further Communications electronically at any time by contacting us at 
support@getfinal.com or 855-552-5375. If you withdraw your consent to receive Communications 
electronically, we reserve the right to close your Card Account (in which case you will no longer 
be able to use your Card or participate in the Program, except as expressly provided in this 
Agreement). Any withdrawal of your consent to receive Communications electronically will be 
effective only after we have a reasonable period of time to process your withdrawal. Please note 
that your withdrawal of consent to receive Communications electronically will not apply to 

 
 
 
 
 
 
 
Communications electronically provided by us to you before the withdrawal of your consent 
becomes effective. 
(c) Communicating With Us: You must notify us if your contact information changes by 
contacting us at support@getfinal.com or 855-552-5375.  You can also contact us to request paper 
copies of documents that we previously provided to you electronically without charge.  We may 
charge a fee of $5 per paper copy of a document.    

Use of Your Card  
You will only be permitted to perform transactions using your Card after we have approved your request 
for an Account and you activate your Card in accordance with the instructions accompanying your Card. 
Subject to the terms of this Agreement, we will make loans to you from our offices in Brookings, South 
Dakota when you use your Card (which term as used in this Agreement includes use of the Card number 
associated with your Account) to purchase or lease goods or services (“Purchases”) from merchants who 
honor Visa credit cards.  

Credit Limit  
We will establish a credit limit for your Account. Your initial credit limit is shown on the card carrier that 
accompanies this document. Your current credit limit will be shown on each monthly statement of your 
Account. The total amount of credit outstanding on your Account at any time must not be more than your 
then current credit limit. We may change your credit limit or sub-limits from time to time. We will attempt 
to notify you if we do, but the change may be effective before you receive notice.  

Exceeding Your Credit Limit  
If you request credit in any form which, if granted, would cause your total outstanding balance to exceed 
your credit limit, whether or not the balance was more than the respective credit limit before the request, 
we may refuse to honor the request or we may, in our sole discretion, honor the request and extend the 
credit. If we extend the credit, you will not be charged an over-the-credit limit fee and your minimum 
payment will continue to be calculated as provided in this agreement. You agree to repay the credit 
extension and the interest and other charges on it as part of the balance of your Account in accordance with 
the terms of this Agreement. We may extend credit that exceeds any credit limit applicable to your Account 
on one or more occasions without waiving our rights. If we previously honored requests for credit in excess 
of your credit limit, that does not mean we will or must honor further over-limit requests. We do not treat a 
request for credit that would exceed your credit limit as a request to increase the credit limit. 

Calculating Interest Charges; Minimum Interest Charge. 
We calculate the interest on your Purchases (“Interest Charges”) by multiplying each of the “average daily 
balances” of your Account by the applicable daily periodic rate of interest and then by the number of days 
in the billing cycle, and by adding the resulting products together. If you are charged interest in a billing 
cycle, the Interest Charge will be no less than  $0.50. We may, at our election, waive Interest Charges on 
small Account balances.  

The following paragraphs explain when we start to accrue Interest Charges, and how we calculate the rate 
of Interest Charges and the average daily balance. 

When Interest Begins to Accrue 

(a) Interest on Purchases. Except as provided in paragraph (b) below, interest on each Purchase 
will accrue daily from and including the posting date until the date each Purchase is completely 
repaid according to the payment allocation method then in effect.  Interest Charges will continue 
to accrue on the amount of your Balance until the date we post a payment to your Account (subject 
to your ability to avoid certain Interest Charges by paying the Balance in full). 
(b) How to Avoid Paying Interest on Purchases. If you pay the entire unpaid balance on your 
Account reflected on your previous monthly statement (the “New Balance”) in full by the due date 
shown on that monthly statement, we will not charge you interest on any new Purchases during the 
current statement period. Also, we will not charge interest on any portion of your new Purchases 
that you repay while those Purchases are subject to an interest free period as described in the prior 
sentence.  

 
 
 
 
 
 
 
Periodic Rates and Annual Percentage Rates of the Interest Charge 
The periodic rates we use to compute interest on your Account and the corresponding annual percentage 
rates are described below:  

(a) Rate of Interest Charge on Purchases. The daily periodic rate we use to compute the interest 
on all Purchases balances is a variable rate which is the sum of the Prime Rate (defined in 
subparagraph (b) below) plus a margin expressed as a percentage, divided by 365 (366 in leap 
years).  The margin is disclosed in the Disclosures, under the table entitled “Important Cost 
Information about our Credit Card.” 
(b) Variable Rates of the Interest: The interest rates under subparagraph (a) above, other than 
any applicable introductory rate, are variable rates based on the prime interest rate published in the 
“Money Rates” table in The Wall Street Journal (the “Prime Rate”).  The interest rates and the 
corresponding annual percentage rates of interest charged under this Agreement may change 
(increase or decrease) if the Prime Rate changes. The effect of an increase in the Prime Rate will 
be an increase in the interest rates and the corresponding annual percentage rates of interest 
charged under this Agreement (which may increase the amount of the Minimum Payment Due 
under this Agreement). We will calculate the interest rates applicable to your Account every 
month based on the Prime Rate published in the “Money Rates” table in The Wall Street Journal 
on the 25th of that month. If two or more Prime Rates are published on that day, the highest of 
those rates will be used to calculate the rates of the interest under this Agreement. If The Wall 
Street Journal isn’t published on the 25th we will use the next day it is published.  If The Wall 
Street Journal ceases publication, or no longer publishes the Prime Rate, or changes the manner by 
which its Prime Rate is determined, we may select another comparable index of short-term interest 
rates to be the “Prime Rate” under this Agreement.  
(c) Application of New Rates: The new annual percentage rates, and the new daily periodic 
interest rates calculated by dividing the new annual percentage rates by 365 (366 in leap years), 
will apply to your Account beginning as of the first day of the billing cycle of your Account 
following the date on which the new annual percentage rates and the corresponding daily periodic 
rates were calculated, and will continue to apply until new annual percentage rates and the 
corresponding daily periodic rates are calculated and have become effective in the manner 
described in this paragraph. The new annual percentage rates and the corresponding new daily 
periodic interest rates will apply retroactively to the first day of the billing cycle, and transactions 
that occurred during the billing cycle both prior to and after the date the new annual percentage 
rates were calculated will be subject to the new annual percentage rates and the corresponding new 
daily periodic interest rates for the entire billing cycle.  

Calculating the Balances to which the Periodic Interest Rates Are Applied. 
We calculate an “average daily balance” separately for Purchases and any special rate offers then in effect. 
To get the “average daily balance” of your Account we take the beginning balance of your Account each 
day for each of these types of transactions, add any new Purchases and other special rate offers (as 
applicable), and subtract any payments and other credits applied to that type of transaction under the 
payment allocation method then in effect (credit balances are treated as zero for purposes of calculating the 
daily balances). This gives us the daily balance for each of these types of transactions.  Then, we add all of 
the daily balances for the billing cycle for each of these types of transactions and divide the respective 
totals by the number of days in the billing cycle. This gives us the “average daily balance” for your 
Account for each of these types of transactions.  

Other Fees and Charges. 
In addition to Interest Charges, we will assess certain fees and charges against your Account as more fully 
set forth in this section and in the Disclosures.  
(a) International Transaction Fee:  
If you use your Card to make a transaction that is either: 

(i) A transaction that was acquired in any country other than the United States, including 
transactions in other countries in U.S. dollars; or 
(ii) A transaction that was acquired in the United States utilizing foreign currency; 

 
 
 
 
 
We will charge your Account an International Transaction fee equal to 2.5% of the U.S. dollar 
amount of the transaction.  
(b) Penalty Charges: The following fees will be charged to your Account as a Purchase in the 
billing cycle in which the event occurs:  

(i) Late Payment Fee if we do not receive payment in an amount at least equal to the 
Minimum Payment Due shown on the monthly statement of your Account by the 
payment due date shown on the statement (“Payment Due Date”). The amount of the Late 
Payment Fee will be:  

(1) An amount equal to your Minimum Payment Due if your Minimum Payment 
Due is less than $25; or  
(2) $25 if your Minimum Payment Due is $25 or more.  

(ii) Returned Payment Fee if a payment on your Account is returned for insufficient 
funds or for any other reason. The amount of the Returned Payment Fee will be:  

(1) An amount equal to your Minimum Payment Due if your Minimum Payment 
Due is less than $25; or  
(2) $25 if your Minimum Payment Due is $25 or more.  $35 for any additional 
returned payment during the same or next six billing periods after a returned 
payment. The fee will never be more than the amount permitted by law. 

(c) Other Charges: The following fees will be charged to your Account as a Purchase in the 
billing cycle in which the event occurs:   

(i)$5 per document for paper copies of documents you request (statements are always 
available without charge by accessing your Account at getfinal.com); and  
(ii)  $25 overnight card replacement fee.     

Statements 
We will provide a statement of your Account at approximately monthly intervals if: (a) there has been 
activity on your Account (such as a transaction or a payment) during the preceding month; (b) a finance 
charge or fee is assessed during the preceding month; or (c) or there is a balance (credit or debit) in your 
Account exceeding $1.   

We will not provide a monthly statement to you if none of the preceding are true or: (a) we deem your 
Account to be uncollectible; (b) we have instituted delinquency collection procedures; (c) we have charged 
off your Account; or (d) furnishing the statement would violate federal law.   

Repayment; Minimum Payment Due Each Month  
You promise to pay us the amounts of all credit you obtain through the use of your Card, all transaction 
fees and other charges we assess against your Account and all interest and other finance charges as 
provided in this Agreement. You agree to make your payments in the amounts and at the times provided in 
this Agreement. Time is of the essence.  
You may pay any amount up to the entire unpaid balance (the “New Balance”) of your Account at any time 
without penalty. You agree to pay each month at least the amount of the Minimum Payment Due shown on 
your monthly statement by the payment due date shown on the statement. The monthly “Minimum 
Payment Due” is equal to: (a) your entire New Balance if your New Balance is equal to or less than $25; or 
(b) if your entire New Balance is greater than $25, 1% of the New Balance + Interest Charges + Late 
Payment Fees + Returned Payment Fees + any past due amounts or $25, whichever is the greater. The 
Payment Due Date will be at least 21 days after the Closing Date disclosed on your monthly statement. If 
you overpay, or if a credit balance is otherwise created in your Account, we will not pay interest on that 
amount. See the monthly statement of your Account for details on timely posting of payments.  
Payments must be made in U.S. dollars.  Make your payment by going online to www.getfinal.com or by 
using the Final Mobile App.  Your payments are required to be made by electronic fund transfer.  We 
reserve the right to not accept payment by check or other alternative means.  If you send a check or other 
alternative means of payment to any location, it may not be accepted and you may incur penalties for 
late payments when you finally transfer the funds electronically. By opening an Account, you have 
agreed to provide payments electronically. For inquiries about your Account, please call us toll-free at 1-
855-552-5375 or email us at support@getfinal.com 

 
 
 
 
 
 
Allocation of Payments 
Your payments will be allocated among the charges on your Account in any manner we determine that is 
consistent with the requirements of applicable law, without regard to any contrary instructions from you.  If 
different annual percentage rates apply to different balances of your Account, we will allocate any amount 
you pay in excess of the required Minimum Payment Due first to the balance with the highest annual 
percentage rate and any remaining portion to the other balances in descending order based on the applicable 
annual percentage rate in a manner that complies with applicable regulations and regulatory guidance. Even 
though your payment may be credited to your Account in the billing cycle in which the payment is 
received, your available credit may not be increased by the amount of the payment until your payment has 
cleared.  
If you pay more than the Minimum Payment Due, you will not thereby prepay or postpone the due date of 
payments in the following months and you will continue to be obligated to make the Minimum Payment 
Due (if any) shown on your monthly statements in following months.  

Default 
Subject to our giving any notice required by law and to any other limitations imposed by law, you will be in 
default if (1) you fail to pay any amount you owe under this Agreement exactly when due; or (2) your 
Account balance exceeds your credit limit; or (3) you fail to abide by any other term of this Agreement; or 
(4) your ability to pay us is materially impaired (including, without limitation, if you file or have filed 
against you as debtor a proceeding under any chapter of the Bankruptcy Code); or (5) you die or become 
incapacitated; or (6) you are in default on any other credit account or loan you have with us.  

Our Right to Require Immediate Payment  
If you are in default, at our election, subject to any limitations imposed by law, we can require you to pay 
immediately all amounts you owe us under this Agreement without notice or demand. 

Collection Costs  
If you are in default, unless prohibited by applicable law, you agree to pay us or reimburse us for all costs 
and disbursements, including reasonable attorney’s fees, we pay or incur in legal proceedings (including 
bankruptcy proceedings) to collect or enforce the debt you owe under this Agreement.  

Payment Holidays  
From time to time, solely at our option, we may allow you to skip one or more monthly payments. We will 
notify you when this option is available. If you skip a payment, interest will continue to accrue on your 
Account balance in accordance with this Agreement. The requirement that you make the Minimum 
Payment Due each month will resume following the payment holiday.  

Transactions Made in Foreign Currencies  
If a transaction is made in a foreign currency, we and Visa will convert the transaction into a U.S. dollar 
amount. Visa will act in accordance with their operating regulations or conversion procedures in effect at 
the time the transaction is processed and may use (i) a rate selected by Visa from the range of rates 
available in wholesale currency markets for the applicable central processing date, which rate may vary 
from the rate Visa itself receives, or (ii) the government-mandated rate in effect for the applicable central 
processing date, in each instance plus or minus any adjustment determined by Visa or us. The currency 
conversion rate calculated in this matter that is in effect on the processing date may differ from the rate in 
effect on the transaction date or the posting date. When any transaction must be converted back into a 
foreign currency because of a refund or other reversed transaction, the same currency conversion formula 
will apply.  

Billing Cycles of Your Account  
Each billing cycle of your Account begins on the day after the closing date shown on the preceding 
monthly statement of your Account and ends on the closing date shown on the monthly statement of your 
Account for the current month. A billing cycle occurs even if you do not receive a monthly statement of 
your Account as otherwise provided in this Agreement.  

Authorized Use of Your Card by Others  

 
 
 
 
 
 
 
 
 
If you permit any person to have access to your Card or Account number with the authorization to make a 
charge, you will be liable for all charges made by that person as well as all fees associated with those 
charges, including charges you may not have intended that person to make, whether or not you notify us 
that they are authorized to use your Card.  

If an authorized user uses your Card, card number associated with your Card or Account, that authorized 
user will be liable for each transaction made on the Account plus any interest, other finance charges, fees 
charges and expenses provided in this Agreement and related to such transactions.  The liability of an 
authorized user does not relieve you from liability for amounts related to transactions made by that 
authorized user until these amounts are paid.  

Certain Limitations on Use of Your Card  
Your Account is a consumer credit account. You must not use your Card primarily for business or 
commercial purposes.  You agree that you will not use your Card or the card number associated with your 
Card in any of the following circumstances: (a) if we or you have suspended or cancelled your Card or 
Account; (b) after you report them as lost or stolen; (c) after you file a petition for bankruptcy; (d) for 
illegal transactions or any other illegal purpose, such as illegal gambling; or (e) after the expiration date 
printed on the front of a Card. 

Additional Cardholder Benefits  
We may offer you certain additional cardholder benefits from time to time, including interest free special 
purchases, and temporary annual percentage rate reductions. Any such benefits, if offered and provided to 
you, will be subject to the restrictions outlined in the benefits brochure we provide to you. However, unless 
otherwise stated in the promotion, the terms of this Agreement shall also govern any such special benefits. 
We reserve the right to change, add to or discontinue these benefits and services at any time without notice 
to you.  

Refusal to Honor Your Card; Refused Authorizations  
We will not be liable to you if any other bank, any automated teller machine (ATM), or any seller or lessor 
of goods or services refuses to honor your Card or retains your Card when you attempt to use it.  Even 
though you have available credit on your Account, we may fail or decline to authorize a particular 
transaction (and we will not be liable to you as a result) due to operational difficulties or, at our discretion, 
for other reasons we deem to be appropriate.  

Gaming and Wagering Transactions  
You agree not to use your Card or Account for any gaming or wagering transactions, including transactions 
for casino chips, bets, wagers, Internet gambling or any other gaming or wagering transaction. We will 
decline transactions for casino chips, bets, wagers, Internet gambling or any other gaming or wagering 
transaction.  

Suspension or Termination of Your Account  
We may suspend or terminate your right to obtain additional credit at any time, subject to any limitations 
under applicable laws. You agree to return all Cards to us at our request. We may revoke any Card at any 
time, without cause and without notice.  You may terminate your right to obtain additional credit at any 
time by notifying us of this immediately at 1-855-552-5375 or cutting all unexpired Cards outstanding on 
your Account in two and returning them to us at Final, Inc PO Box 543000 Omaha, NE 68154. Your 
obligations under this Agreement continue unchanged after your right to obtain credit has been suspended 
or terminated by you or by us.  If you (or anyone you authorize) uses your Card or card number associated 
with your Card after you receive notice of termination or suspension from us and we pay a fee to recover 
such Card, the amount of that fee may be charged to your Account as a Purchase, even after your Account 
has been closed. 

Obligation of Multiple Cardholders  
All joint accountholders are individually and jointly responsible for paying the entire outstanding balance 
on the Account. If two or more persons are responsible for paying any outstanding balance, we may refuse 
to release any of them from liability until all of the unexpired Cards outstanding on the Account have been 

 
 
 
 
 
 
 
 
 
returned to us and the Account balance is paid in full. The obligations of the other obligated persons will 
not be affected by the release or discharge of one or more of the persons who are responsible for paying all 
or any part of the Account.  

Amendments 
Subject to our giving any notice required by law and to any other limitations imposed by law, we may 
amend this Agreement at any time. Unless otherwise provided by law, any notice of changed terms may be 
included online when you access your Account or via other electronic means. If a notice of an amendment 
gives you the opportunity to reject the amendment, and if you reject the amendment in the manner provided 
in the notice, we may terminate your right to receive additional credit and may require you to return all 
credit devices as a condition of your rejection of the amendment. If the amendment so provides, and subject 
to the requirements of applicable law, the amended Agreement (including any increased rate or amount of 
interest or other finance charge and other increased charges and fees) will apply to both existing and new 
balances of your Account, including, subject to the provisions of the notice of change in terms, all 
Purchases after the effective date of the amendment. This Agreement may only be amended in writing and 
amendments may only originate with us.  An increase or decrease to the APR as a result of an increase or 
decrease to the Prime Rate does not constitute an amendment to this Agreement. 

Replacement Cards  
We may replace your Card with another credit card at any time.  

Communications Concerning Disputed Debts  
Any payment instrument you send us for less than the full balance due that is marked “paid in full” or 
similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to 
Final, Inc. PO Box 543000 Omaha, NE 68154. We reserve all our rights regarding such instruments. For 
example, if it is determined there is no valid dispute or if any such instrument is received at any other 
address, we may accept the instrument and you will still owe any remaining balance. Or, we may refuse to 
accept any such instrument by returning it to you, not cashing it, or destroying it. Satisfaction of your debt 
for less than the full amount due requires a written agreement, signed by one of our authorized 
representatives.  

Contacting You 
In order to service your Account or collect any amounts you may owe, you agree that we may contact you 
using any contact information related to your Account, including contact information: (i) you have 
provided to us, (ii) from which you contact us or (iii) at which we believe we can reach you.  Within 
applicable federal and state law, we may use any means to contact you, which may include automated 
dialing services, prerecorded voice messages, mail, e-mail and text messages and calls to your cell phone.  
You are responsible for any amount charged by any service provider as a result of us contacting you.  You 
agree to promptly notify us if you change any contact information you provide to us.  As noted in the below 
section Assignment, this agreement extends to any party to whom we assign your Account, any sums due 
on your Account, this Agreement, and our rights or obligations under your Account and this Agreement. 

Notices 
Any notice provided to you by us shall be deemed given if and when delivered electronically or posted in 
the United States mail, postage prepaid, to the address we have for you in our records.  Notices that you 
send us will be effective when we actually receive them. If you have a joint Account, a notice to one of you 
will serve as notice to both of you.  

Change of Name or Mailing Address  
You must notify us immediately of any change of your name, mailing address, or email address from that 
shown on your latest monthly statement. Please call us at 1-855-552-5375 to speak to a representative.  If 
you do not promptly notify us of any address change, any notices and monthly statements we send to your 
old address before we have had a reasonable time to process your address change notice will still be valid, 
even if you do not receive them. 

Assignment  

 
 
 
 
 
 
 
 
 
We may at any time, and without notice to you, assign your Account, any sums due on your Account, this 
Agreement, and our rights or obligations under your Account and this Agreement to any person or entity. 
The person or entity to whom we make any such assignment shall be entitled to all of our rights under this 
Agreement, to the extent assigned. You may not assign your rights under this Agreement.  

Unauthorized Use of Your Account  
Notify us immediately of the loss, theft, or possible unauthorized use of your Card. You may be liable for 
unauthorized use of your Card if your gross negligence results in unauthorized use that occurs prior to you 
notifying us of such use. You will not be liable for unauthorized use that occurs after you notify us in 
writing via email at support@getfinal.com, or by telephone at 1-855-552-5375, of the loss, theft, or 
possible unauthorized use and we have had a reasonable opportunity to act on such notice. In any case, 
your liability for unauthorized use will not exceed $50.  
Please sign your Card immediately after you receive it to protect you and us from claims of unauthorized 
use. Please safeguard your Card like you would if it were cash.  

Monitoring Telephone Conversations  
You consent to and authorize us, any of our affiliates, and our marketing associates to monitor and/or 
record (unless prohibited by law) any of your telephone conversations with our representatives or the 
representatives of any of such companies.  

Information and Privacy  
Please refer to our “Notice of Privacy Policy” for our policies on information sharing and privacy.   
You agree that we may, from time to time, make inquiries pertaining to your credit standing and financial 
responsibility. You authorize us to obtain a credit report on you at any time in the future in connection with 
our review, collection or administration of your Account. We may report information about your account to 
credit reporting agencies.  Late payments, missed payments, or other defaults on your account may be 
reflected in your credit report.  We may also release information to others, including our affiliates, about 
our experience with your Account. This could include negative information if you do not comply with the 
terms of the Account. If you believe that inaccurate or incomplete information about you or your Account 
has been shared by us with a credit reporting agency, write to us via email at: support@getfinal.com. Please 
include your name, address, home phone number, and Account number, and explain which information you 
believe is inaccurate or incomplete.  

Governing Law  
This Agreement is entered into in the State of South Dakota where the decision to grant credit is made and 
in which payments will be received. Therefore, this Agreement will be governed by the laws of the State of 
South Dakota without giving reference to conflict of law provisions. If there is any conflict between any of 
the terms and conditions of this Agreement and applicable law, this Agreement will be considered changed 
to the extent necessary to comply with the law. The other provisions of the Agreement shall not be affected.  

Severability 
If any part of this Agreement is found to be invalid or unenforceable, the rest of the Agreement will remain 
effective and any such illegal or unenforceable provision will be amended in conformance with applicable 
law or voided.  

No Waivers  
Any failure or delay by us in exercising any of our rights or remedies under this Agreement or under 
applicable law does not mean that we will not be permitted to exercise those rights or remedies later. We 
may accept late payments or partial payments without losing any of our rights or remedies.  

Transactions with Merchants  

(a) Return Policy: If a merchant discloses a policy such as “no returns”, “no refund”, “no return 
or credit without receipt”, “as is”, “store credit only”, or “all sales final”, you will be bound by that 
policy when you use your Card or Account to buy goods or services from that merchant.  

 
 
 
 
 
 
 
 
 
 
(b) Reservations: When using your Account to make travel or lodging reservations, obtain the 
merchant’s cancellation policy and follow it if you cancel. If you cancel, obtain the merchant’s 
cancellation number that it is required to give you. The merchant may charge you for a cancelled 
transaction unless you can provide us with the merchant’s cancellation number.  
(c) Recurring Transactions: If you authorize a merchant to charge your Account for repeat 
transactions with your Card, you must notify the merchant when you want to discontinue the 
repeat transactions or if your Account is closed or a new Account number is issued by us. 
(d) Dispute Assistance: If you disagree with a transaction on your statement or have a dispute 
with the merchant as a result of the transaction, you will provide information or assistance we 
reasonably request to permit us to investigate the transaction. Otherwise, you will pay us for any 
resulting loss we have (up to the amount of the transaction) unless we are prohibited by applicable 
law from holding you liable for our loss. “Your Billing Rights” (as provided below) controls. If 
any provision of this paragraph conflicts with any part of the “Your Billing Rights” section below 
that is applicable to the particular transaction, the terms of the “Your Billing Rights” section will 
control.  

Rewards Program Terms & Conditions 

These Rewards Program Terms & Conditions are the legal agreement that governs the rewards program 
offered in connection with your Card.  The rewards program offer is sponsored by Final, Inc. (“we”, “us”, 
“our”).  Participation in the rewards program is restricted to U.S. accountholders only.  Transactions that 
qualify for reward points are determined at our sole discretion; we reserve the right to verify and adjust the 
reward points balance at any time.  This rewards program is void where prohibited by federal, state, or local 
law. 

(a) Earning Rewards: Reward points are accumulated after we enroll your Account in this 
program; no reward points will be provided retroactively.  Reward points will be rounded to the 
nearest whole increment.  Reward points are not accumulated for pending transactions; reward 
points will be accumulated when your monthly payment posts to your Account. Please visit our 
mobile app or www.getfinal.com for your most up-to-date reward points balance. Rewards are 
earned only upon redemption of reward points. 
(b) Redeeming Reward Points: To redeem accumulated reward points, your Account must be in 
good standing, which means that it cannot be suspended, restricted, delinquent or otherwise in 
default.  Rewards cannot be used to meet minimum payment obligations on your Account. 
Account credits lower your Account balance but do not count toward your monthly Minimum 
Payment Due.  You may only redeem points to the extent you have sufficient points to receive a 
reward of at least $10.00.  All redemptions of accumulated reward points are final. 
(c) Taxes: Rewards may be subject to taxes. We recommend consulting your accountant or tax 
attorney to determine any tax liability resulting from rewards redemption.  We are not liable for 
any taxes on your behalf. 
(d) Disqualification, Alteration, Termination: We reserve the right to disqualify your 
participation in this rewards program in the event of fraud, abuse of program privileges, or 
violation of applicable terms and conditions as determined in our sole discretion. Such termination 
may result in the forfeiture of any accumulated rewards. We reserve the right to alter, change, or 
terminate this rewards program at any time without notice. Redemption values vary and are 
subject to change without notice.  
(e) No consideration; no cash value; no right title or interest: You acknowledge that the 
rewards program is a promotional program as to which you have paid no consideration and the 
reward points have no cash value until such time as you redeem them as permitted under the terms 
of this Agreement. You further acknowledge that no reward is earned, and you have no right, title 
or interest in the reward or the reward points, until all conditions precedent are met, including that 
you redeem your reward points as permitted under this Agreement. 
(f) Expiration: Each of your reward points expires, and may no longer be redeemed, 36 months 
after it was first accumulated.  For purposes of determining whether points have expired, your 
redemption of points will be accounted for on a first-in-first-out basis. 
No Waiver: We reserve the right to delay or not enforce any of our rights under this rewards 
program without waiving or losing our right to enforce them later. 

 
 
 
 
(g) Nontransferability of Reward Points; You may not transfer your reward points to anyone 
else, including through such events as sale, gift, inheritance, bankruptcy, or divorce, and only the 
primary cardholder on the Account may redeem reward points.  

 
 
 
 
YOUR BILLING RIGHTS 

Keep this document for future use.  
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  

What To Do If You Find A Mistake On Your Statement.  
If you think there is an error on your statement, write to us at: Final, Inc. PO Box 543000 Omaha, NE 
68154 

In your letter, give us the following information:  

(1) Account information: Your name and Account number.  
(2) Dollar Amount: The dollar amount of the suspected error.  
(3) 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 via mail. 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 that it 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 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 are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.)  
(2) You must have used your credit card for the purchase. Purchases made with cash advances 
from an ATM do not qualify.  
(3) You must not yet have fully paid for the purchase.  

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Final, Inc. PO Box 543000 Omaha, NE 68154. 

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.