Print all one color Black

Standard Terms insert:  11" x 8.5"

Back

Front

3.625 inches

3.6875 inches

3.6875 inches

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.
If you are a Covered Borrower under the Military Lending Act, the provisions of this WebBank/
Fingerhut Fetti Credit Account relating to arbitration do not apply to this WebBank/Fingerhut Fetti 
Credit Account involving consumer credit.
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 0260, St Cloud, MN 56395-0260. 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 
(1-801-456-8350) (as well as its agents, successors, and assigns) permission to access your credit 
report in connection with any transaction, or extension of credit, and on an ongoing basis, for the 
purpose of reviewing 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.
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 department of financial 
services by telephone or visit its website for free information on comparative credit card rates, fees 
and grace periods. The New York state department of financial services’ telephone number is 1-800-
342-3736, and its website is http://www.dfs.ny.gov. 
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally 
available to all creditworthy customers, and that credit reporting agencies maintain separate credit 
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance 
with this law. 
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 1-800-964-1975. 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.

64851

Effective 4/12/2022

WebBank/Fingerhut Fetti 
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.
This Agreement includes an Arbitration provision. Arbitration replaces the right to go to court 
and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by 
following the instructions below in the Arbitration section.
If you are a Covered Borrower under the Military Lending Act, the provisions of this WebBank/
Fingerhut Fetti Credit Account relating to arbitration do not apply to this WebBank/Fingerhut 
Fetti Credit Account involving consumer credit.
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 Fetti 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 Fetti Credit Account relating 
to arbitration do not apply to this WebBank/Fingerhut Fetti Credit Account involving consumer credit.

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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

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. 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 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. 

PAYMENT CHART

Account Balance
To
From
$9.98
0
$44.99
$9.99
$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%
$9.99
$11.99
$12.99
$14.99
$18.99
$21.99
$24.99
$28.99
$33.99
$38.99
$46.99
$59.99
$69.99
5%

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.
Non-Variable  APR.  Your  Annual  Percentage  Rate  is  29.99%,  which  corresponds  to  a  monthly 
periodic rate of 2.500%. This is a non-variable rate. 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. The amount of periodic interest charges and APRs are subject to change. See below under the 
heading “Change of Terms (including Interest Charges).”
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 
$30.00. The maximum amount will increase to $41.00 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 $30.00. The maximum amount will increase to $41.00 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 0260, St 
Cloud, MN 56395-0260. 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 0260, St Cloud, MN 56395-
0260, or call as at 1-800-964-1975. 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 0260, St Cloud, MN 56395-0260. 
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: 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 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 

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