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Standard Terms insert:  11" x 8.5"

Back

Front

3.625 inches

3.6875 inches

3.6875 inches

failure to exercise any of our rights under this Agreement will not be deemed to waive our rights to 
exercise such rights in the future. This Agreement is a final expression of the agreement between you 
and us and this Agreement may not be contradicted by evidence of any alleged prior oral agreement 
or of an alleged contemporaneous oral agreement between you and us.
Arbitration. Please review this provision carefully. It provides that any dispute may be resolved by 
binding arbitration. Arbitration replaces the right to go to court and the right to have a jury decide 
a dispute. Under this provision, your rights may be substantially limited in the event of a dispute. 
You may opt out of this Arbitration provision by following the instructions below.
By accepting this Agreement, unless you opt out by following the instructions below, you agree that 
either you or we, at our sole discretion, can choose to have any dispute arising out of or relating 
to this Agreement or our relationship resolved by binding arbitration. If arbitration is chosen by any 
party, neither you nor we will have the right to litigate that dispute in court or to have a jury trial 
on that dispute. Pre-arbitration discovery will be permitted only as allowed by the arbitration rules. 
In addition, you will not have the right to participate as a representative or member of any class of 
claimants pertaining to any dispute subject to arbitration. The arbitrator’s decision will generally be 
final and binding. Other rights that you would have if you went to court may also not be available in 
arbitration. It is important that you read the entire Arbitration provision carefully before accepting 
the terms of this Agreement. 
For purposes of this Arbitration provision, “dispute” shall be construed as broadly as possible, and 
shall include any claim, dispute or controversy (whether in contract, regulatory, tort or otherwise, 
whether  pre-existing,  present  or  future  and  including  constitutional,  statutory,  common  law, 
intentional tort and equitable claims) arising from or relating to this Agreement, the credit offered 
or  provided  to  you,  or  the  goods  or  services  you  purchase;  the  actions  of  yourself,  us,  or  third 
parties; or the validity of this Agreement or this Arbitration provision. It includes disputes brought 
as counterclaims, cross claims, or third party claims. A party that has brought a dispute in a court 
may elect to arbitrate any other dispute that may be raised in that litigation. Disputes brought as part 
of a class action or other representative basis are subject to arbitration on an individual (non-class, 
non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE WAIVED YOUR RIGHT TO 
INDICATE OR PARTICIPATE IN A CLASS ACTION RELATED TO THIS AGREEMENT. In this Arbitration 
provision, the words “we,” “us,” and “our” shall include WebBank and any assignees of any of 
WebBank’s rights, any merchant from which you purchased goods or services using your Account, 
as well as their respective affiliates, servicers, employees, agents, and further assigns. 
Any arbitration under this Arbitration provision shall be administered by the American Arbitration 
Association (“AAA”) under the rules applicable to the resolution of consumer disputes in effect when 
the dispute is filed. The arbitrator shall have no authority to hear any disputes on a class action or 
representative basis. Neither you nor we may consolidate or join the disputes of other persons who 
may have similar disputes into a single arbitration, other than the disputes of or against joint account 
holders. You may obtain rules and forms by calling the AAA at 1-800-778-7879 or visiting www.adr.
org. Any arbitration hearing that you attend will take place in the Federal judicial district where you 
reside. We will not elect arbitration of any dispute that is filed as an individual matter by you in a 
small claims or similar court, so long as the dispute is pending on an individual basis in such court. 
A single, neutral arbitrator will decide any disputes. The arbitrator must be either a retired or former 
judge or a lawyer with no less than 10 years’ experience, selected in accordance with the AAA’s 
rules. The arbitrator will apply applicable substantive law consistent with the FAA and applicable 
statutes of limitations, will honor claims of privilege under applicable law, and will have the power 
to award to a party any damages or other relief provided under applicable law. Any party may choose 
to have a hearing, and may choose to be represented by counsel. The arbitrator will issue an award 
in writing and, upon request, will provide a written explanation for the award. Judgment upon the 
award rendered by the arbitrator may be entered in any court having jurisdiction.
The party initiating an arbitration must pay the AAA’s initial filing fee, although you can ask the AAA 
to waive the filing fee and we will consider your request that we pay the filing fee on your behalf. 
We will pay any subsequent administration fees imposed by the AAA, and we will pay the arbitrator’s 
fee for up to one day of hearings. All other fees will be allocated as provided by the AAA’s rules and 
applicable law. If you prevail in arbitration, we will reimburse you any fees paid to the AAA. However, 
even if we prevail, we will not seek reimbursement from you of any fees we paid to the AAA unless 
the arbitrator determines that your dispute was brought in bad faith. Each party shall bear its own 
costs of attorneys, experts, and witness fees, regardless of which party prevails in the arbitration. 
However, if applicable substantive law gives you the right to seek reimbursement of attorneys’ fees 
or other fees or costs, then that right shall also apply in the arbitration.

You have the right to opt out of this Arbitration provision, but you may only do so in the first 30 days 
after the first transaction is posted to your Account. In order to opt out, you must write us at WebBank/
Fingerhut Arbitration, P.O. Box 1250, St Cloud, MN 56395-1250. You must inform us of your decision 
to opt out, and sign the notice.
This Arbitration provision shall survive repayment of your extension of credit and termination of your 
Account.  This  Arbitration  provision  is  made  in  connection  with  interstate  commerce,  and  shall  be 
governed by the Federal Arbitration Act, 9 USC Sections 1 through 16. If any part of this Arbitration 
provision is determined to be void or unenforceable, then this entire Arbitration provision shall be 
considered null and void; however, it shall not affect the validity of the rest of this Agreement. 
Credit Bureau Disputes. If you believe we inaccurately reported credit history information about you 
or your Account to a credit reporting agency, write to us at: Credit Bureau Reporting Services, 6250 
Ridgewood Road, Saint Cloud, MN 56303. Please include a copy of the credit report reflecting the 
information that you believe is inaccurate.
All Accounts, including California and Utah Residents: As required by applicable 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.
All  Accounts,  including  New  York/Rhode  Island/Vermont  Residents:  You  agree  to  give  WebBank 
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 your Account, adjusting the credit limit on your 
Account, taking collection action on your Account, or for any other legitimate purposes associated 
with your Account. Alimony, child support or separate maintenance payments need not be revealed if 
you do not want us to consider it in determining your creditworthiness. 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. New York residents may 
contact the New York State Banking Department: 1-800-518-8866.
Connecticut  Residents:  Damages  may  be  imposed  if  a  check  is  dishonored.  Connecticut  General 
Statutes § 52-565a authorizes our collection of damages for dishonored checks; criminal penalties 
may also apply.
Maryland Residents: Maryland law requires that if you send us a written request about the status of 
your Account and we do not answer that request within 60 days after we receive it, you are not required 
to pay a finance charge for that 60 day period or until we answer.
Missouri Residents: If you prepay your Account in full, you may be entitled to a refund of certain 
interest under Mo. Rev. Stat. § 408.170.
New Hampshire Residents: Reasonable attorney’s fees will be awarded to you if you prevail in (a) 
any action, suit or proceeding brought by us, or (b) any action brought by you. If you successfully 
assert a partial defense or set-off, recoupment or counterclaim to an action brought by us, the court 
may withhold from us the entire amount or such portion of the attorney fees as the court considers 
equitable. 
New York Residents: New York residents may contact the New York state banking department to 
obtain a comparative listing of credit card rates, fees and grace periods: 1 State St., New York, NY 
10004, 1-800-518-8866. 
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. 
Married  Wisconsin  Residents:  No  provision  of  any  marital  property  agreement,  any  unilateral 
statement, or court decree under Wisconsin’s Marital Property Act adversely affects the interest of a 
creditor unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement, 
statement  or  decree  or  has  actual  knowledge  of  the  adverse  provision  when  the  obligation  to  the 
creditor is incurred. We may require that you pay the entire amount that you have outstanding if you do 
not pay amounts that come due 2 times within 12 month period. You will also have to pay your entire 
amount outstanding if you fail to do anything required in this agreement and that failure makes it likely 
that you will not be able to pay your bills from us as they become due. 
Texas Residents: To contact us about your Account call 1-800-208-2500. This contract is subject in 
whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 North 
Lamar Boulevard, Austin, Texas 78705-4207. Phone (800) 538-1579; www.occc.state.tx.us. Contact 
the Commissioner relative to any inquires or complaints.

64252

Effective 10/3/2017

WebBank Fingerhut Advantage  
Credit Account Agreement
This is the Agreement which covers your credit account (called your “Account”) with WebBank for 
purchases you make with Fingerhut. Do not enter into this Agreement before you read it or if any 
spaces intended for the agreed terms are left blank. You are entitled to a copy of this Agreement 
at the time you sign it. You acknowledge that you have received a copy of this Agreement for your 
records.
You can use your Account to purchase goods or services from Fingerhut or any merchant authorized 
to accept your Account, and to pay for goods and services offered in connection with your Account. 
This account may require a down payment on your first purchase. You may at any time pay off the 
full  balance  of  your  Account.  You  may  only  use  your  Account  for  personal,  family,  and  household 
purposes.  You  and  WebBank  will  be  bound  by  this  Agreement  from  the  first  time  a  transaction  is 
posted to your Account. 
In this Agreement, and in your monthly statements (“Statements”), the words “you” and “your” refer 
to all persons named on the credit account we issue or who have signed the application or acceptance 
forms,  and  the  words  “we”,  “us”  and  “our”  refer  to  WebBank  (and,  as  applicable,  its  agents, 
successors and assigns). An applicant, if married, may apply for a separate account.
Your Promise to Pay. You promise to pay for (a) credit extended by WebBank to you or anyone you 
allow  to  use  your  Account;  (b)  interest  charges,  late  fees,  and  all  other  charges  provided  in  this 
Agreement or that you (or anyone you allow to use your Account) agree to pay; and (c) collection costs 
and attorneys’ fees to the extent permitted by applicable law if your Account should go into default. If 
your Account is a joint account, all joint account holders promise to pay and be jointly and individually 
responsible for all amounts due under this Agreement.
Available Credit. Your Account is an open end account, subject to the following credit limits. We will 
assign you a credit limit, and we will indicate your current credit limit on each Statement. You agree not 
to exceed the credit limit that we establish for you. If you request a transaction that would exceed the 
credit limit, we may decline it or we may allow the transaction without increasing your credit limit. You 
will be obligated to pay any amount in excess of your credit limit in accordance with the terms of this 
Agreement. We reserve the right to delay an immediate increase in available credit due to a payment(s) 
made on your WebBank Fingerhut Advantage Credit Account. We may increase or reduce your credit 
limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice 
to you to the extent required by applicable law.
Statements. We will send you a Statement covering each billing cycle in which you have a balance 
(including deferred balances, if applicable), or if required by law. Billing cycles are approximately one 
month long. Each Statement will reflect: (a) the total amount you owed on the first day of your billing 
cycle (called the “previous balance”), which will include any deferred balance (see below under the 
heading  “Deferral  Periods”);  (b)  payments,  credits,  purchases  and  interest  charges,  and  all  other 
charges made to your Account during the billing cycle; (c) the total amount you owed at the end of the 
billing cycle (called “new balance”); (d) the minimum payment you must make (called the “minimum 
payment”); and (e) the date by which the minimum payment must be paid to avoid a late charge.
Protections Under the Military Lending Act: Federal law provides important protections to members of 
the Armed Forces and their dependents relating to extensions of consumer credit.  In general, the cost 
of consumer credit to a member of the Armed Forces and his or her dependent (a “Covered Borrower”) 
may not exceed an annual percentage rate of 36 percent.  This rate must include the cost of SafeLine, 
our optional credit protection product. We do not charge application or participation fees.
You are a Covered Borrower if at the time of establishing this account you are an active duty service 
member or an active Guard or Reserve duty member, or you are a qualifying dependent of that member.
If you are a Covered Borrower, the provisions of this WebBank/Fingerhut Advantage Credit Account 
relating  to  arbitration  do  not  apply  to  this  WebBank/Fingerhut  Advantage  Credit  Account  involving 
consumer credit.
Oral  Disclosure:    If  you  are  a  Covered  Borrower,  you  may  obtain  information  about  the  account, 
including information about the payment obligation, by calling us toll-free, at 844-403-7059. 
Payments. The minimum payment is based on your Account balance as outlined in the Payment Chart 
below. The minimum payment is due by the date set forth on the Statement. We will not impose any 
late charges if you pay at least the minimum payment reflected in your Statement by the payment due 

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Print all one color Black

Standard Terms insert Terms insert:  11" x 8.5"

Inside

3.6875 inches

3.6875 inches

3.625 inches

PAYMENT CHART

Account Balance
To
From 
$6.98 
$.01 
$44.99 
$6.99 
$69.99 
$45.00 
$99.99 
$70.00 
$124.99 
$100.00 
$199.99 
$125.00 
$249.99 
$200.00 
$299.99 
$250.00 
$349.99 
$300.00 
$449.99 
$350.00 
$549.99 
$450.00 
$799.99 
$550.00 
$1,099.99 
$800.00 
$1,100.00 
$1,399.99 
$1,400.00 

Minimum PMT $

100%
$6.99
$7.99
$8.99
$10.99
$14.99
$17.99
$20.99
$23.99
$29.99
$34.99
$46.99
$59.99
$69.99
5%

date specified, which will always be at least 24 days from the Statement date. If you wish, you may pay 
more than the minimum payment and at any time you may pay the entire new balance, without penalty.
Payment Instructions. All payments made by mail must be made by check or money order, following 
the instructions in this Agreement and on your Statement. You agree that we may return any payment 
you  make,  without  applying  the  payment  to  your  Account  and  without  presentment  or  protest,  for 
reasons including, but not limited to, that the check or money order: (1) is not drawn on the U.S. Post 
Office or a financial institution located in the United States; (2) is missing a signature; (3) is drawn 
with different numeric and written amounts; (4) contains a restrictive endorsement; (5) is post-dated; 
(6) is not payable to WebBank or its assigns; (7) is not payable in U.S. dollars; or (8) is not paid upon 
presentment. If we accept a check payment made in U.S. dollars and drawn on a financial institution 
not located in the United States, you agree to pay any bank collection fees we incur. We can accept 
late or partial payments, or checks or money orders marked “Payment in Full” or otherwise restrictively 
endorsed, without losing any of our rights under this Agreement. All payments under this Agreement 
must be received at the address specified on your billing statement. Payments may also be made 
electronically on the web or phone, by ACH payment from a checking or savings account. However, 
you may not make a payment using any credit card issued by WebBank. We may charge a processing 
fee for payments made by phone and when made with the assistance of a service representative of 
the company for an expedited payment posted on the same day. The fee will be disclosed at the time 
you request to make the payment. 
How We Figure Periodic Interest Charges. To calculate the Interest Charge for each monthly statement 
we multiply the average daily balance times the monthly periodic rate. Your monthly periodic rate may 
vary each billing cycle. If the total periodic Interest Charges for a month are less than $1.00 then we 
charge a minimum periodic Interest Charge of $1.00 which we will apply to the applicable balance (to 
the extent permitted by applicable law).
Average Daily Balance. We figure the interest charge on your Account by applying the monthly periodic 
rate to the Average Daily Balance of your Account, including current transactions. To get the Average 
Daily Balance, we take the beginning balance of your Account each day, add any new purchases on 
that day, and subtract any payments or credits we apply that day. We add interest charges to each 
feature on a monthly basis. We add other charges and fees, such as late fees, on the day that such 
charges or fees are posted to the Account. If your Account has an overall credit balance, we treat 
this as a $0 balance. Purchases subject to Deferral Periods described below are excluded from our 
calculation of the Average Daily Balance until the day following the expiration of the Deferral Period. 
This gives us the daily balance. Then we add up all the daily balances for each day in the billing cycle 
and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance.
Variable APR. Your Annual Percentage Rate (APR) may vary and may increase. The APR is determined 
by adding 21.65% to the Prime Rate (also called the “Index Rate” and defined below). The monthly 
periodic  rate  is  determined  by  dividing  the  APR  by  12.  An  increase  in  your  APR  will  not  increase 
your scheduled monthly payment amount, but may increase the time required to repay your Account 

balance. The finance charges that are assessed, including the monthly periodic rate, will be in amounts 
or  at  rates  that  do  not  exceed  those  permitted  by  law.  As  of  9/7/2017  the  APR  is  25.90%  which 
corresponds to a monthly periodic rate of 2.159%. 
The Index Rate used to determine the applicable APR is the highest “Prime Rate” as published in  
the “Money Rates” section of the Midwest Edition of the Wall Street Journal on the first day of your 
billing cycle or, if the Wall Street Journal was not published on that date, the most recent day on 
which it was published.
The amount of periodic interest charges and APRs are subject to change. See below under the heading 
“Change of Terms (including Interest Charges).”
When interest charges begin to accrue. Interest charges begin to accrue on each purchase on the date 
of the purchase. However, if you paid the new balance on your previous Statement by the payment due 
date shown on that statement, then: (1) if you pay the new balance on your current billing statement by 
the payment due date shown, we impose no interest charges on purchases during the current billing 
cycle, and (2) if you make a payment by the payment due date shown on your current statement that is 
less than the new balance, we will credit that payment as of the first day in your current billing cycle. 
In addition, if your previous Statement reflected a new balance and you did not pay that new balance 
in full by the payment due date on that previous statement, then we will not impose interest charges 
on any purchases during the current billing cycle if you pay the new balance shown on your current 
Statement by the payment due date reflected on that current Statement.
Deferral  Periods.  From  time  to  time,  we  may  offer  you  the  opportunity  to  enter  into  promotions. 
When you make a purchase under a special promotion, it will be identified on your Statements. Each 
Statement will contain a summary of all deferred purchases, including the unpaid principal balances, 
any assessed interest charges and the dates until which payments are deferred. The special deferral 
terms apply to a purchase for a specified period of time, which we will call the “Deferral Period”. When 
you make a deferred purchase, the Deferral Period will be disclosed to you. These special promotions 
are made available at our discretion, are subject to credit approval, are not available for all purchases 
and cannot be changed by customer request. There is currently one type of special promotion, although 
we may add more or remove any of them at any time. 
No Payments Option: Monthly payments on the deferred purchase are not required during the Deferral 
Period. Interest will be assessed at the monthly periodic rate in effect on your deferred purchase from 
the  date  of  purchase.  Interest  assessed  during  the  Deferral  Period  will  be  added  to  your  deferred 
balance, regardless if you pay off your deferred balance before the expiration of the Deferral Period. 
The  amount  of  your  deferred  purchase(s)  is/are  not  considered  when  we  calculate  your  minimum 
monthly  payment.  We  do  consider  your  deferred  purchase(s)  for  purposes  of  determining  your 
available credit.
Late Fees. Late fees will be equal to your minimum payment due with a maximum amount of up to 
$27.00. The maximum amount will increase to $38.00 if you did not make your minimum payment on 
time in any one of the 6 prior billing cycles (or to the extent permitted by applicable law). The late fee 
will never be greater than your minimum payment due to which the late fee relates.
Returned Payment Fees. Returned payment fees will be equal to your minimum payment due with 
a maximum amount of up to $27.00. The maximum amount will increase to $38.00 if you had any 
returned payments in any one of the 6 prior billing cycles (or to the extent permitted by applicable 
law). The returned payment fee will never be greater than your most recent minimum payment due. 
No Annual Account Fee. You are not charged a separate annual fee to maintain your Account.
Application of Payments. Each payment you send to us will be applied to your Account in a manner 
consistent  with  applicable  law.  Generally,  we  will  apply  your  payment  first  to  satisfy  all  minimum 
payments due. You may pay the entire balance on your Account at any time without incurring any 
additional charge for prepayment. 
Change of Terms (including Interest Charges). Subject to applicable law, we may change or terminate 
any term of this Agreement or add new terms at any time, including, without limitation, adding or 
increasing  fees,  increasing  your  minimum  payment  and  increasing  the  rate  or  amount  of  interest 
charges or changing the method of computing the balance upon which interest charges are assessed. 
Prior written notice will be provided to you when required by applicable law. Changes may apply to 
new and outstanding balances.
Default. You will be in default under this Agreement if: (a) you fail to make at least the minimum 
payment by the Payment Due Date specified on your Statement; (b) you violate any other provision of 
this Agreement; (c) you die; (d) you become the subject of bankruptcy or insolvency proceedings; (e) 
you or any part of your property becomes the object of attachment, foreclosure, repossession, lien, 

judgment, or garnishment proceedings; (f) you fail to provide to us any information we reasonably 
deem necessary; (g) you supply us with misleading, false, incomplete or incorrect information; (h) 
we receive information indicating that you are unable to perform the terms and conditions of this 
Agreement; (i) you move out of the United States; or (j) you use your Account in an unlawful manner. 
Upon default, we have the right to require you to pay your entire Account balance (including all 
deferred purchases and all accrued but unpaid charges) immediately, and to sue you for what you 
owe. You will pay our court costs, reasonable attorneys’ fees and other collection costs related to the 
default to the extent permitted by applicable law. Following any default, any balances outstanding 
under this Agreement will continue to accrue interest charges until paid in full and will be subject 
to all the terms and conditions of this Agreement, except that we will apply your payments first to 
attorneys’ fees and other court costs (to the extent permitted by applicable law), and then in the order 
set forth in the Application of Payments section. 
Closing Your Account. We can close your Account at any time. You can cancel or close your Account 
at any time by writing to us at WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, 
MN 56395-1250. If we have issued you a card with your Account number, you must cut it in half 
and return it to us. You may not use your Account for any purchases after you cancel or close your 
Account. If you do not pay us in full when you cancel, your outstanding balances will continue to 
accrue interest charges and other charges, and will be subject to the terms and conditions of this 
Agreement.
Liability for Unauthorized Use/Lost or Stolen Account Numbers. If you notice the loss or theft of your 
Account number or a possible unauthorized use of your card, you should write to us immediately at 
WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 56395-1250, or call as 
at 1-800-208-2500. 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 you notify us. In any case, your 
liability will not exceed $50. However, unauthorized use does not include use by a person whom you 
have given the Account number to or authority to use the Account, and you will be liable for all use 
by such a user. To terminate this authority you must send us notice in writing. 
Change  of  Name,  Address,  Telephone  Number  or  Employment.  Notify  us  immediately  of  any 
change in your name, mailing address, telephone number or place of employment. Send changes to: 
WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 56395-1250. 
Consent for Use of Telephone Numbers: You authorize WebBank/Fingerhut, their affiliates, agents, 
and others calling at their request or on their behalf to contact you at any number (i) you have 
provided to us (ii) from which you have called us, or (iii) which we obtain and believe we can reach 
you at. We may contact you in any way, such as calling, texting, using an automated dialer or using 
pre-recorded messages. We may contact you on a mobile, wireless, or similar device, even if you 
are charged for it by your provider.
No Oral Modifications: We are clarifying that this Agreement cannot be changed orally.
Assignment of Account. We may sell, assign or transfer your Account or any portion thereof without 
notice to you. You may not sell, assign or transfer your Account. 
Reporting and Monitoring. We may report information about your Account to credit bureaus. Late 
payments, missed payments, or other defaults on your Account may be reflected in your credit report. 
You agree that any government agency may release your residence address to us, should it become 
necessary to locate you. You agree that we may record your calls, and that our supervisory personnel 
may listen to telephone calls between you and our representatives in order to evaluate the quality of 
our service to you and other cardholders.
Updated Financial and Other Information. Upon request, you agree to promptly give us accurate 
financial and other information about yourself. We may obtain information about you from credit 
bureaus or other third parties at any time. You agree that the information that you provide to us is 
accurate as of the date provided, and that if the information changes you will contact us with the 
notice of the change. 
Governing Law/Enforceability. This Agreement and your Account will be governed by federal law 
applicable to a FDIC-insured institution and, to the extent permitted by law and not preempted by 
federal law, the law of Utah, without regard to its choice of law provisions. You agree that this 
Agreement is entered into between you and us, and received by us, in Utah and we extend credit to 
you from Utah, whether or not you live in Utah. We will make the decision whether to open an account 
for you based on criteria established in Utah. If any provision of this Agreement is determined to 
be void or unenforceable under any applicable law, rule or regulation, all other provisions of this 
Agreement will remain enforceable (except as specifically addressed in the Arbitration provision). Our 

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