FR013254409_BML HP

Terms and Conditions of the hpdirect.com Preferred AccountTerms and Conditions 
of the hpdirect.com Preferred Account 
hpdirect.com Preferred Account credit card is offered through WebBank, Salt Lake 
City, Utah ("the Lender"). If you do not have an account, by using a 
hpdirect.com Preferred Account to complete this purchase, you apply for credit 
and you agree that you have read the Terms and Conditions; you authorize the 
Lender to review your credit report and you understand that this account is 
subject to interest and Late Fees and is governed by Federal law and the law of 
the state of Utah. You authorize the Merchant to share your personal 
information, including email address, with the Lender, and authorize the Lender 
to use that information for all lawful purposes in connection with the account. 
If you already have a hpdirect.com Preferred Account, you may be asked to 
provide information (such as your date of birth and last four of your social 
security number), each time you use the Account. This information is used solely 
for verification purposes.
The Terms and Conditions of the hpdirect.com Preferred Account include the 
following:
  Important Disclosures
  E-Sign Consent
  Account Agreement
  Privacy Policy 
hpdirect.com Preferred Account Important Disclosures
The information that follows includes important information about the cost of 
credit and the interest rates that apply to your account.
      Interest Rate and Interest Charges
      Annual Percentage Rate (APR) for Standard, Promotional and Financed Equal 
      Payment Purchases25.99%*
      Paying InterestMy due date is at least 25 days after the close of each 
      billing cycle. You will not charge any interest on Standard or Promotional 
      Purchases (excluding Promotional Purchases subject to a Deferred Interest 
      option) if I pay the entire balance by the due date each month. You will 
      begin charging interest on purchases subject to an Extended Grace Period 
      on the last day of the billing cycle in which the expiration date occurs, 
      which will be at least 58 days after the transaction date. You will charge 
      interest on a Deferred Interest Purchase from its transaction date, unless 
      I pay the Deferred Interest balance in full by its expiration date, which 
      will be at least 6 months after the transaction date. You will begin 
      charging interest on Financed Equal Payment Purchases on the transaction 
      date.
      Minimum Interest ChargeIf I am charged interest, the charge will be no 
      less than $2.00.
      For Credit Card Tips from the Federal Reserve BoardTo learn more about 
      factors to consider when applying for or using a credit card, visit the 
      website of the Federal Reserve Board at 
      http://federalreserve.gov/creditcard.
      Fees
      Annual FeesNone.
      Penalty Fees 
      • Late Payment Fee

      • Return Check Fee
      • Over Limit Fee 
      If the minimum payment due is: 
      $25 or less
      Over $25
      Up to $35.00
      None. 
      The late fee is: 
      Up to $5.00
      Up to $35.00

How Lender Will Calculate the Balance: Lender uses a method called "average 

Page 1

       
       
FR013254409_BML HP

daily balance (including new purchases)." See the account agreement for more 
details. 
Billing Rights: Information on Borrower's rights to dispute transactions and how 
to exercise those rights is provided in the account agreement.
*From time to time Lender may offer Standard Purchases or Promotional Purchases 
with a lower rate that may apply for a limited time.
Amendment of the Terms and Conditions. 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 for Borrower: When Borrower opens 
an account, Lender will obtain Borrower's name, address, date of birth, and 
other information that will allow Lender to identify Borrower. Lender will 
verify this information with Borrower or others.
New York residents may contact the New York State Banking Department at 
1-877-226-5697 or at 1 State Street, New York, NY 10004 to obtain a comparative 
listing of credit card rates, fees and grace periods.
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.
As required by California law, a married applicant may apply for a separate 
account.
Lender may obtain a report from a consumer credit reporting agency in connection 
with this application and/or for any updates, renewals, extensions of credit on 
this Account or collection of any loan made as a result of the application. If 
Applicant requests to be informed whether or not a consumer credit report was 
obtained, Lender will provide that information, including the name and address 
of each consumer reporting agency from which a consumer credit report was 
obtained.
Borrower may be liable for unauthorized use of the credit card. If the card is 
lost, stolen or if Borrower thinks someone may have used it without permission, 
Borrower must notify Lender in accordance with the Account Agreement. Borrower 
may be liable for any purchases made before Borrower notifies Lender. Borrower's 
liability for unauthorized use will not exceed $50.00.
hpdirect.com Preferred Account E-Sign Consent
Consumer Consent to receive disclosures and other information electronically.
IMPORTANT NOTICE. In order to complete this transaction online, the Lender must 
provide the consumer with certain disclosures required by law. The Lender can 
provide these disclosures to the consumer online only if the consumer consents. 
The consumer should choose another payment option if the consumer does not 
consent.
1. DEFINITIONS. In this hpdirect.com Preferred Account E-Sign Consent, the 
following definitions apply: 
"I", "me" and "Borrower" mean the person who is asking to use a hpdirect.com 
Preferred Account to make a purchase.
"You" and "Lender" mean the Lender and any person, company or bank to whom the 
rights of the Lender have been assigned.
"hpdirect.com Preferred Account" is your payment system, which allows me to pay 
for purchases from hpdirect.com by charging the costs to my hpdirect.com 
Preferred Account. 
2. CONSUMER CONSENT. By checking the "I agree to have the Terms and Conditions 
presented electronically", which I hereby adopt as my electronic signature, I 
consent and agree that:
  You can provide disclosures required by law and other information about my 
  legal rights and duties to me electronically.
  My electronic signature on agreements and documents has the same effect as if 
  I signed them in ink.
  You can send all important communications, billing statements and disclosures 
  (collectively defined as "Disclosures") to me electronically via your website 
  or to the email address that I have provided to hpdirect.com in this 
  transaction or to another email address that I provide to you for that purpose 
  rather than in paper form. 
  You will alert me when the Disclosure is available, by sending me an 

Page 2

FR013254409_BML HP

  electronic communication.
  Your email will tell me how I can view the Disclosure.
  You will make the Disclosure available to me for not less than 90 days from 
  the later of: the date it first became available to me or the date you sent me 
  the email to alert me that it was available. 
  I will be able to print a copy of the Disclosure or download the information 
  for my records.
  This consent applies to this transaction, to all future Disclosures on this 
  Account, to all future transactions in which I use the hpdirect.com Preferred 
  Account or with you, at any time, and to other Disclosures that you provide to 
  me by email, unless I have, prior to such transaction, withdrawn my consent by 
  the procedure mentioned below.
The disclosures and information I will receive in this online session are:
  This hpdirect.com Preferred Account E-Sign Consent 
  hpdirect.com Preferred Account Important Disclosures 
  hpdirect.com Preferred Account Agreement
  hpdirect.com Preferred Account Privacy Policy
3. WHAT I WILL NEED. I understand that in order to access and retain the 
electronic Disclosures I will need the following: 
  A computer with an Internet connection. 
  A current web browser that includes 128-bit encryption. (Minimum recommended 
  browser standards are Microsoft Internet Explorer version 6.0 and above, 
  Firefox version 1.5 and above, or Safari 2.0 and above.) The browser must have 
  cookies enabled. 
  A valid email address.
  Sufficient storage space to save past Disclosures OR an installed printer to 
  print them. 
  If I use a spam filter that blocks or re-routes emails from senders not listed 
  in my email address book, I must add 
  customercare@hpdirect.mypreferredaccount.com to my email address book. 
4. REQUESTING PAPER DOCUMENTS AND WITHDRAWING CONSENT. I understand that I may 
request paper copies of the Disclosures within 180 days of the date of the 
Disclosure, and that you will provide them to me by mail at no charge. I 
understand that I have the right to receive these Disclosures in paper form and 
that I may withdraw my consent to receive electronic Disclosures at any time, 
without any cost or fee. I can withdraw my consent by logging in to 
hpdirect.mypreferredaccount.com and going to "Manage Account." I can also 
request paper copies and/or withdraw consent by contacting you at:
hpdirect.com Preferred Account 
P.O. Box 2394
Omaha, NE 68103-2394
5. UPDATING EMAIL ADDRESS. At any time, I can update the email address to which 
you will send alerts that my Disclosure is available. I can change my email 
preferences by logging in to hpdirect.mypreferredaccount.com and going to 
"Manage Account." I can also do this by contacting you at: 
hpdirect.com Preferred Account 
P.O. Box 2394
Omaha, NE 68103-2394
6. LEGAL EFFECT. By consenting, I agree that electronic Disclosures have the 
same meaning and effect as if you provided paper Disclosures to me as you are 
required to do so. When you send me an email alerting me that the Disclosure is 
available electronically and make it available online, that shall have the same 
meaning and effect as if you provided a paper Disclosure to me, whether or not I 
choose to view the Disclosure, unless I had previously withdrawn my consent to 
receive Disclosures electronically. 
7. GENERAL. I understand and agree that you reserve the right to cancel this 
electronic Disclosure service, change the terms of use of this service or send 
Disclosures in paper form at any time. I understand and agree that you are 
responsible for sending notice of the Disclosures to me at the email address I 
have provided, but are not responsible for any delay or failure in my receipt of 
the email notices. 
hpdirect.com Preferred Account Agreement
NOTICE TO BORROWER: (1) CAUTION - IT IS IMPORTANT THAT BORROWER THOROUGHLY READ 

Page 3

FR013254409_BML HP

THE DISCLOSURES AND AGREEMENT BEFORE BORROWER AGREES; (2) BORROWER SHOULD RETAIN 
A COPY OF THE DISCLOSURES AND AGREEMENT FOR BORROWER'S RECORDS.
This Agreement sets forth the Terms and Conditions of the hpdirect.com Preferred 
Account credit card (the "Account") and the extension of credit made by WebBank, 
Salt Lake City, Utah (the "Lender").
Please read this Agreement and keep a copy. 
1. DEFINITIONS. In this Account Agreement, the following definitions apply: 
"Agreement" means the Important Disclosures, Account Agreement, and any 
amendment or addendum to this Agreement.
"Merchant" means hpdirect.com.
"Purchases" are loans made on the Account to the Borrower, when the Borrower 
uses the Account to pay for a purchase from the Merchant.
a. Parties to this Agreement.
"I", "me" and "Borrower" are loans made on the Account to the Borrower, when the 
Borrower uses the Account to pay for a purchase from the Merchant.
"You" and "Lender" mean WebBank, and any person, company or bank to which the 
rights of the Lender have been assigned.
b. Other Parties.
"Bill Me Later, Inc.," located in Timonium, Maryland, provides services for the 
Lender, such as processing transactions, keeping records, sending billing 
statements and providing customer service.
c. Parts of the Account.
(i) Revolving Parts.
"Standard Purchases" are subject to the standard repayment terms, Grace Period 
and Annual Percentage Rate of the Account unless they are subject to an Extended 
Grace Period. 
"Purchases subject to an Extended Grace Period" are Standard Purchases subject 
to special repayment terms and a special Grace Period; they are subject to the 
standard Annual Percentage Rate. The Extended Grace Period ends on the last day 
of the billing cycle in which the Expiration Date occurs. The Extended Grace 
Period will end no earlier than 58 days after the transaction date, as disclosed 
when the transaction is made. No payments are due and no interest accrues during 
the Extended Grace Period. A purchase subject to an Extended Grace Period, where 
the Expiration Date is 90 days after the transaction date, may be called a "Take 
90. No Payments, No Interest for 90 days" purchase or a "90 Days Extended Grace" 
purchase (the number of days can vary, but will not be less than 58 days). After 
its Extended Grace Period, a purchase subject to an Extended Grace Period is a 
Standard Purchase and is not a purchase subject to an Extended Grace Period.
"Promotional Purchases" may be subject to special, promotional repayment terms 
and/or Annual Percentage Rates for all or part of the time they are unpaid. 
Promotional Purchases are subject to the standard repayment terms and rate, 
except to the extent that the promotional offer states different terms. 
"Deferred Interest Purchases" are Promotional Purchases on which no interest 
will be charged if they are paid in full within the deferred interest period. 
Interest will be charged from the purchase date if the purchase balance is not 
paid in full within the deferred interest period. The deferred interest period 
may be 6 months or more as disclosed when the transaction is made.
"No payments for 6 months purchases" are Deferred Interest Purchases on which no 
payments will be due during a 6 month deferred interest period. 
"No interest if paid in full purchases" are Deferred Interest Purchases on which 
payments will be due during the deferred interest period. 
(ii) Equal Payment Parts.
"Equal Payment Purchases" are loans from the Equal Payment part of the account, 
which will be repaid in equal monthly payments called "Monthly Plan Payments."
"Interest-free Equal Payment Purchases" will not be subject to interest imposed 
by the Lender, if Borrower pays the balance in full by the End Date.
"Financed Equal Payment Purchases" will be subject to interest imposed by the 
Lender. 
d. Other Definitions used in this Agreement.
"Billing Cycle" means the time between the dates on which you prepare billing 
statements, or would have prepared them if statements were required under the 
paragraph of this Agreement called "Billing Statements." The Billing Cycle will 
end on approximately the same day of each month. You may change the day the 

Page 4

FR013254409_BML HP

Billing Cycle ends, at your option. The Billing Cycle may end on any day that 
you or I Terminate the Account and I pay the balance in full.
"Cost" means the price of any item I purchase from the Merchant using the 
Account, plus any fee or charge I agree to pay the Merchant, including interest, 
the cost of shipping and taxes, less any applicable discount or credit offered 
by the Merchant.
"Credit Card" means the hpdirect.com Preferred Account credit card provided to 
me for this Account.
"Credit Limit" means the maximum amount of credit that Lender has approved for 
this Account. When Borrower opens this Account, Lender will establish the Credit 
Limit. Lender may increase the Credit Limit at any time; Lender may decrease the 
Credit Limit at any time, but will notify Borrower immediately and tell Borrower 
the reasons. The total of all balances of the Account (including unpaid 
transactions posted to the Account, unpaid and unexpired authorized 
transactions, transactions which are the subject of a billing dispute, and all 
interest and fees) may not exceed the approved Credit Limit. 
"End Date" is the Payment Due Date of the final Monthly Plan Payment on an Equal 
Payment Purchase.
"Expiration Date" for a Deferred Interest Purchase is the date on which the 
deferred interest period ends; for a purchase subject to an Extended Grace 
Period, it is at least 58 days after the transaction date, as disclosed when the 
transaction is made, which determines when the extended grace period ends. 
"Grace Period" means the period within which I may repay a loan without 
incurring any interest on that loan. The Grace Period applies only to Standard 
Purchases and Promotional Purchases which are not Deferred Interest Purchases.
"Payment Due Date" means the date which will appear each month as the "Payment 
Due Date" on the billing statement.
"Termination" means that I will no longer be able to obtain loans or any 
extension of credit on this Account. Termination affects the Account 
permanently, at the sole discretion of the Lender.
2. GENERAL DESCRIPTION OF THE ACCOUNT. This is a multi-part open-end credit card 
account. I will request a loan on this Account by choosing the hpdirect.com 
Preferred Account payment option when I make a purchase from the Merchant. Each 
purchase will be added to the balance of the Standard Purchases part of the 
Account, unless it is subject to special terms for a Promotional Purchase or an 
Equal Payment Purchase. You will charge interest on all parts of this Account, 
beginning on each transaction date, except during the Grace Period and as 
otherwise provided in the paragraph of this Agreement called "Interest Rate and 
Interest Charges." I will only have the right to use some parts of the Account 
from time to time, when you make a special offer. The rate of interest may be 
different for different parts of the Accounts. You may make changes in this 
Agreement as explained in the paragraph called "Amendment of this Agreement." 
3. HOW I CAN OBTAIN LOANS ON THIS ACCOUNT. The Merchant may allow me to charge 
the purchase to my Account if I provide the Merchant with proper credentials and 
certain information about my Account. I will not have to use the credit card or 
have it in my possession to make a purchase. You may refuse to make the loan to 
me if the loan would cause the balances of the Account to exceed the Credit 
Limit. 
a. Standard and Promotional Purchases. I can obtain loans on this Account by 
choosing the hpdirect.com Preferred Account when I make a purchase from a 
Merchant at an authorized location. You will make a loan to me, in the amount of 
the Cost of the purchase, by paying the Merchant on my behalf. You will make 
loans subject to the Standard Purchase terms, unless special terms are in effect 
at the time of the loan or are offered by the Merchant.
b. Equal Payment Purchase. You may offer me the option to make some purchases as 
Equal Payment Purchases. If I make an Equal Payment Purchase, the Merchant will 
inform me if it is a Financed Equal Payment Purchase and of the payment amount 
and terms before I agree to the purchase.
4. OTHER AGREEMENTS ABOUT OBTAINING LOANS.
a. Credit Limit. You will establish a Credit Limit for the Account, which is the 
maximum amount that can be outstanding at any time. However, you have the option 
to refuse my request for any loan; you will notify me of the reasons for any 
refusal, if required by law.

Page 5

FR013254409_BML HP

b. You may charge my Account for Purchases. I authorize you to charge this 
Account for the Cost of any purchase I, or anyone to whom I have given 
permission to use this Account, make from the Merchant using this Account. I 
understand that the amount that you actually pay to the Merchant may be less 
than the Cost, because the Merchant may agree that you may retain a portion of 
the Cost.
c. You may charge my Account for Interest and Fees. I authorize you to charge 
this Account for interest, any fees, costs of collection, and amounts that I 
agree in this Agreement to pay. 
5. MY PERSONAL INFORMATION. Each time I use this Account, I authorize the 
Merchant to share my personal information with you to the extent necessary for 
you to complete the transaction, including paying the Merchant on my behalf, 
charging my Account for the Costs of the Purchase, sending me a billing 
statement, and for all other lawful purposes in connection with this Account. I 
authorize the Merchant to share my email address with you. I consent to your 
sending me emails for any lawful purpose in connection with this Account, 
including commercial emails for marketing financial products and services. I may 
withdraw my consent to your sending me commercial emails, at any time, by 
changing my email preferences at hpdirect.mypreferredaccount.com or by 
"unsubscribing" when you send me an email.
6. PROMISE TO PAY. Borrower promises to pay to you the balance on this Account, 
including all Purchases, loans and other amounts Borrower has authorized you to 
charge to this Account. Borrower promises to pay these amounts as agreed in this 
Agreement, including my promise to make the Minimum Payment Due each month on or 
before the Payment Due Date. Borrower also promises to pay you any amount by 
which the balance of the Account exceeds the authorized Credit Limit. 
7. BORROWER ALSO PROMISES:
a. To pay for all purchases made by me and by someone I authorized to use this 
Account. You (and any person who may decide whether I am liable for amounts 
charged to this Account) may presume that I have authorized any purchase made in 
my name using this Account, if the purchase is delivered in my name to my 
address, unless I return the purchase to the Merchant within a reasonable period 
of time.
b. To give you personal financial information about me that you may reasonably 
request, from time to time. 
c. To pay all costs of collection if you take any action to collect this Account 
or take any action in a bankruptcy proceeding filed by or against me, if you are 
permitted by applicable law to charge those costs. This shall include, unless 
prohibited by applicable law, reasonable attorneys' fees and expenses to the 
maximum amount permitted by applicable law.
d. Not to give you false information or signatures, electronic or otherwise, at 
any time. 
e. To pay a Late Fee and Return Check Fee, as provided in this Agreement. 
f. To make all payments by check, money order, electronic funds transfer or ACH 
in U.S. Dollars, drawn on funds on deposit with a U.S. financial institution or 
a U.S. branch of a foreign financial institution, in a form that will be 
processed and honored by your financial institution, in accordance with the 
reasonable requirements set forth on the billing statement, and to make each 
payment so that you receive it at the remittance address disclosed on the 
billing statement. If I make a non-conforming payment, you may refuse to accept 
the payment or, if you do accept it, I agree to pay your costs of processing the 
payment. A non-conforming payment, if accepted by you, will be credited to my 
Account not more than 5 days after the date you receive it, unless otherwise 
required by law. A non-conforming payment includes, among other things, a 
payment that is not made in accordance with this paragraph and with the 
reasonable requirements set forth on the billing statement, oversized and 
undersized instruments, instruments using non-standard materials, instruments in 
a non-standard format, and any non-standard instrument that requires special 
handling.
g. That when I make a payment on this Account by check, I authorize you to use 
information from my check to make a one-time electronic fund transfer from my 
account. In certain circumstances, such as for technical or processing reasons, 
you may process my payment as a check transaction. When you use information from 

Page 6

FR013254409_BML HP

my check to make an electronic fund transfer, funds may be withdrawn from my 
account as soon as the same day you receive my payment, and I understand that I 
will not receive my check back from my financial institution. I have the right 
to withdraw this authorization at any time by informing you that I do not want 
you to use the information from my checks to make an electronic fund transfer; 
to do so, I must contact you in writing at Electronic Check Opt Out, P.O. Box 
4415, Timonium, MD 21094 and provide you with my name, hpdirect.com Preferred 
Account number and the name of the financial institution and account number from 
which my checks are drawn.
h. To promptly notify you if I change my name, my mailing address, my email 
address or my telephone number. 
i. That I will not accept this Account unless I am of legal age in the state 
where I reside and am a resident of the U.S.A.
j. To sign the back of the Credit Card (if one is provided) at the place for the 
signature above the words "Authorized Signature." I agree that my signing the 
Credit Card is not a condition to my promises under this Agreement.
k. To notify you immediately if the Credit Card is lost, stolen or possibly used 
without my permission.
l. To pay for any unauthorized purchases made with the Credit Card before I 
notify you that the Credit Card was lost, stolen or possibly used without my 
permission. My liability for unauthorized purchases is the least of (1) $50.00, 
(2) the total of unauthorized purchases made before I notify you, and (3) the 
amount for which I am liable under applicable law. I may give you notice by 
telephone or in writing in accordance with the section of this Agreement called 
"Notices and Customer Service." 
m. If I am dissatisfied with goods or services I purchased from a Merchant, I 
will try in good faith to resolve the dispute and correct the problem directly 
with the Merchant. I agree to allow a reasonable period of time for the Merchant 
to resolve the dispute. This shall in no way limit or reduce my rights in case 
of a billing error. 
n. To use the Account for personal, family or household purposes only.
o. To honor any other promises that I make in this Agreement.
8. SECURITY INTEREST. You will not take any security interest to secure this 
Account. 
9. INTEREST RATE AND INTEREST CHARGES. Except during the Grace Period and during 
the term of an Interest-free Equal Payment Purchase prior to the End Date, 
Borrower agrees to pay interest on the outstanding balance of each part of this 
Account, including billed interest and billed fees, at all times that this 
Account is in effect, including any period after Termination in which there 
remains an outstanding balance. The interest will be calculated for each part of 
the Account separately, as of the last day in the Billing Cycle (the "Statement 
Date"), in the following way: 
a. Parts of the Account. For the purposes of assessing interest, each part of 
the Account will be calculated separately. Parts may be called "Transaction 
Types" on the billing statements. 
(i) Standard Purchases. All Standard Purchases and other balances that are moved 
to the Standard Purchases part of the Account will be a single part. At your 
option, purchases subject to an Extended Grace Period may be treated as separate 
parts. 
(ii) Promotional Purchases. Promotional Purchases while subject to different 
Promotional rates, terms or Deferred Interest terms will be different parts.
  Deferred Interest Purchases. From time to time, you may offer Promotional 
  Purchases with a Deferred Interest option. All purchases subject to the same 
  rate, Deferred Interest terms and Expiration Date will be a single part; at 
  your option, you may consider any Deferred Interest Purchase to be a separate 
  part, or may consider Deferred Interest Purchases from different Merchants to 
  be different parts. If I pay the balance on the Deferred Interest part (which 
  is called the "Deferred Interest Balance") in full by the Expiration Date, you 
  will not charge any interest for that part. You will calculate the interest 
  for each Billing Cycle prior to the Expiration Date and disclose it on the 
  Billing Statement as the Accrued Deferred interest. If I do not pay the 
  balance on a Deferred Interest part of the Account before the Expiration Date, 
  you may charge my Account, in the Billing Cycle in which the Expiration Date 

Page 7

FR013254409_BML HP

  occurs, interest on each Promotional Purchase from the date of each purchase 
  (each "transaction date"). 
  End of Promotional Terms. If a part is subject to a special promotional rate 
  or Deferred Interest term which ends as of a certain date ("Expiration Date"), 
  I authorize you to move, on or after that date, the balance remaining in that 
  part to the Standard Purchases part of the Account, and it will be subject to 
  the repayment and interest terms for Standard Purchases.
(iii) Equal Payment Purchases. Each Equal Payment Purchase will be a part. If 
there is a balance owing on an Interest-free Equal Payment Purchase after the 
End Date, I authorize you to move, on or after the End Date, that balance to the 
Standard Purchases part of the Account, and it will be subject to the repayment 
and interest terms for Standard Purchases.
b. When the Interest begins. The interest begins to accrue on the transaction 
date, except (i) interest does not accrue on any portion of a loan that I repay 
during the Grace Period for the loan, if a Grace Period is applicable to the 
loan; (ii) interest does not accrue during the Extended Grace Period, if 
applicable to that loan, (iii) interest will not be assessed if the conditions 
in the following paragraph are met, and (iv) interest does not accrue prior to 
the End Date on an Interest-free Equal Payment Purchase.
c. Assessing Interest. You will not assess interest on Standard or Promotional 
Purchases during any Billing Cycle in which my payments and credits on or before 
the Payment Due Date reduce the outstanding balance for Standard and Promotional 
Purchases (excluding Standard and Promotional Purchases I made during the 
Billing Cycle, excluding Deferred Interest Purchases, and excluding purchases 
subject to an Extended Grace Period) to zero or to a credit balance. This does 
not apply to a Deferred Interest Purchase, or to a Financed Equal Payment 
Purchase.
d. Grace Period. Only loans for Standard Purchases and Promotional Purchases 
(other than a Deferred Interest Purchase) are eligible for a Grace Period. If a 
loan which is eligible for a Grace Period is made during a Billing Cycle in 
which no interest was assessed on the loan because of the preceding paragraph, 
you will not assess interest on any portion of the loan which I repay on or 
before the Payment Due Date in the next cycle. You will not assess any interest 
on a purchase that is subject to an Extended Grace Period before the last day of 
the Billing Cycle in which its Expiration Date occurs. 
e. How you will determine the balance on which the Interest is computed. You 
will compute the interest for each part on the "Average Daily Balance" 
(including new purchases) for that part during the Billing Cycle. To get the 
Average Daily Balance for each part, you will take the beginning balance for 
each part each day and add any new Purchases and adjustments posted that day, 
including billed Interest and billed Fees; then subtract any balances subject to 
an Extended Grace Period, any payments and any credits. This gives you the 
"Daily Balance." Then, you add up all the Daily Balances for the Billing Cycle 
for that part and divide the total by the number of days in the Billing Cycle. 
The result is the Average Daily Balance for that part. You will treat any 
Average Daily Balance which is a credit balance as zero.
f. How you compute the Interest. You will compute the interest during the 
Billing Cycle for each part separately. For each part, you will multiply the 
Average Daily Balance for the Billing Cycle by the number of days in the Billing 
Cycle; then you will multiply the product by the Daily Periodic Rate in effect 
for that part during that Billing Cycle. The result is the interest for that 
part. You will then add up the interest for all the parts, to get the interest 
for the Account. 
g. Minimum Interest Charge. If the Daily Balance of any part (excluding any 
balance on a Deferred Interest Purchase, prior to its Expiration Date, any 
purchase subject to an Extended Grace Period, and any Interest-free Equal 
Payment Purchase part), on the last day of a Billing Cycle (the Statement Date), 
is greater than zero, and if the interest for the Billing Cycle is greater than 
zero but less than $2.00, you may assess a Minimum Interest Charge (which will 
be shown on the billing statement as a fee called a "Minimum Interest Charge") 
of $2.00 for the Billing Cycle.
h. Rate of Interest. You will compute the interest on the Standard, Promotional 
and Financed Equal Payment Purchases parts using the Daily Periodic Rate of 

Page 8

FR013254409_BML HP

0.07120%. This corresponds to the ANNUAL PERCENTAGE RATE of 25.99%. However, if 
you have disclosed a special promotional rate at the time you made the special 
offer, according to law, you will compute the interest on the Promotional 
Purchases parts using that special promotional rate. 
10. FEES. I agree to pay the following Fees, as applicable. I agree that you may 
allocate any Fees to the Standard Purchases part of the Account. 
a. Penalty Fees.
(i) Late Payment Fee. You will charge me a Late Fee for each month the Minimum 
Payment is not paid in full by its Payment Due Date. The amount of the Late Fee 
will be the amount of the missed payment, up to $25 the first time I am late. If 
my payment is late again within the next six billing cycles after any prior late 
payment, the amount of the Late Fee will be the amount of the missed payment, up 
to $35. No Late Fee will be due if the reason the Payment is late is either:
(A) attributable to a Late Fee assessed on an earlier payment; or
(B) because, after default, the entire balance on this Account is due.
(ii) Return Check Fee. If my payment on this Account is made with a check, 
including a draft, order or other instrument that is returned by drawee for "not 
sufficient funds" in the account on which the check is written, you will charge 
me a Fee equal to the amount of my payment, up to $25 for my first returned 
check. For subsequent returned checks in the next six billing cycles, the amount 
of my Fee will be the amount of my payment, up to $35. You will not charge the 
service charge, however, if you redeposit the check and it is paid.
b. Fee for providing a copy of billing statement. Unless you are required by law 
to provide me with a copy of a billing statement for a Billing Cycle other than 
the current Billing Cycle, I agree to pay you a fee of ten dollars ($10.00) per 
billing statement if I request a copy. 
11. MINIMUM PAYMENT DUE. The Minimum Payment will be due each Billing Cycle, on 
or before the Payment Due Date. The amount of the Minimum Payment Due will be 
the sum of the Monthly Plan Payments due on each Equal Payment Purchase Part 
plus the payment due for the revolving parts plus any amounts past due from 
previous Billing Cycles. 
a. Revolving Parts. The payment due for the revolving parts will be the greatest 
of (A) $35.00; or (B) 3% of the sum of the balances on the revolving parts 
(excluding any balance on a no payments for 6 months (or 9 months or 12 months, 
as applicable) purchase prior to its Expiration Date, and excluding any balance 
subject to an Extended Grace Period), on the last day of the Billing Cycle; or 
(C) 1% of the sum of the balances on the revolving parts (excluding any balance 
on a no payments for 6 months (or 9 months or 12 months, as applicable) purchase 
prior to its Expiration Date, and excluding any balance subject to an Extended 
Grace Period), on the last day of the Billing Cycle plus any interest assessed 
on the Account in that billing cycle (excluding any accrued interest on a 
Deferred Interest Purchase that has been billed in that billing cycle), plus any 
Late Fees and Other Fees assessed on the Account in that billing cycle. The 
payment will be rounded down to the next whole dollar. 
b. Equal Payment Parts. The Monthly Plan Payment due for each Equal Payment 
Purchase which has not reached its End Date and on which a balance is 
outstanding will be the equal payment amount I agree to when I make an Equal 
Payment Purchase. The Monthly Plan Payments for an Equal Payment Purchase will 
be calculated so that they are substantially equal over the term of the Equal 
Payment Purchase. In no event, however, will the Monthly Plan Payment due for 
any Equal Payment Purchase be greater than the outstanding balance due on that 
part of the Account. The Monthly Plan Payment due on the End Date may be more or 
less than the others, because it will be adjusted as necessary to pay the actual 
balance and accrued interest owing on the End Date. 
12. PAYMENT APPLICATION. You will use each payment in the amount of the Minimum 
Payment Due or less, when I am not in default, first to pay billed Monthly Plan 
Payments on the Equal Payment Purchases (in any order you choose), then billed 
interest, then billed Fees, then the principal balance of the revolving parts 
(in any order you choose), and then any other amounts due. However, if I have a 
balance on a Deferred Interest Purchase, during the two Billing Cycles 
immediately preceding the Expiration Date, you may use the payment first to pay 
billed Monthly Plan Payments on any Equal Payment Purchases (in any order you 
choose) and then to pay the balance on any Deferred Interest Purchases, (in any 

Page 9

FR013254409_BML HP

order you choose). 
13. PREPAYMENT. If I pay an amount greater than the Minimum Payment Due in any 
Billing Cycle, the amount in excess of the Minimum Payment Due is a 
"prepayment." A prepayment will not affect the way you calculate the amount of 
the next Minimum Payment, and I will nevertheless make the Minimum Payment the 
next Billing Cycle. I MAY MAKE PREPAYMENTS IN ANY AMOUNT AND MAY PAY THE ENTIRE 
BALANCE OR ANY PART OF IT AT ANY TIME PROVIDED THAT I PAY AT LEAST THE MINIMUM 
PAYMENT DUE IN EACH BILLING CYCLE WHEN IT IS DUE. If I make a prepayment, you 
will use the prepayment to pay the balances starting with the balance with the 
highest interest rate (in any order you choose), then the balances with the next 
highest interest rate (in any order you choose), and so forth. However, if I 
have a balance on a Deferred Interest Purchase, and I make a prepayment during 
the two Billing Cycles immediately preceding the Expiration Date, you will use 
the prepayment first to pay the balance on the Deferred Interest Purchase, 
starting with the balance subject to the highest interest rate.
14. BILLING STATEMENTS AND CREDIT BALANCES.
a. You will provide me with a billing statement for each Billing Cycle in which:
(i) You impose interest to this Account; or
(ii) The New Balance is more than $1.00 (whether a credit or debit balance). 
(iii) I understand that you may provide me with electronic billing statements 
only and that I can elect to receive paper statements by logging in to 
hpdirect.mypreferredaccount.com. 
(iv) I agree to notify you in writing of any errors in the billing statement 
within 60 days from the date it is provided. I agree to examine the billing 
statement and to notify you in writing, immediately, of any purchases which were 
not made or authorized by me. You need not provide a billing statement to me if 
you deem this Account uncollectible or if delinquency collection proceedings 
have been started. 
b. If the Account has a credit balance in excess of $1.00, you will refund the 
credit balance to me as required by law. I authorize you to make the refund 
electronically or using an ACH, (i) if I made the payment which caused the 
credit balance electronically or using an ACH, or (ii) if I typically make 
payments on this Account electronically or using an ACH. 
15. DEFAULT. I will be in default if any of the following happen: 
a. If I fail to pay any Minimum Payment Due on or before the Payment Due Date. 
b. If I fail to keep any promise or perform any duty in this Agreement, or in 
any other loan or agreement with you. If default occurs, you will have no duty 
to make loans or advances from this Account and this Account will be Terminated. 
This may happen without any prior notice to me. If you choose, at your sole 
option, to make new loans from this Account after default, I agree that you may 
charge those loans to this Account. In addition, if a default occurs, all 
amounts which I owe under this Agreement shall be due and payable immediately, 
at your option (subject to any applicable law to the contrary). The other 
provisions of this Agreement will continue to apply to this Account. If you get 
a judgment after default and/or if I am a debtor in an action filed by or 
against me under the Bankruptcy Code, unless prohibited by applicable law, the 
rates of interest applicable to this Account will continue to apply to the 
balances on this Account. A default under this Agreement may be deemed by us to 
be a default under any other account or loan which I have with you. 
16. TERMINATION OF THE ACCOUNT. 
a. In addition to Termination by default, you may Terminate this Agreement at 
any time and for any reason subject to the requirements of applicable law. For 
example, you may terminate because the business relationship with the Merchant 
may end.
b. I can terminate my Account by sending written notice to the address on the 
billing statement. 
c. If there is no debit or credit on this Account for twelve (12) consecutive 
months, you may terminate this Account without notice to me.
d. After Termination, I will not be able to make new purchases on this Account. 
Termination under this paragraph will not affect any purchase which complies 
with this Agreement and which was made before the date of the Termination 
notice. If you choose, at your sole option, to allow purchases after you have 
Terminated this Account (whether or not I have given you notice Terminating this 

Page 10

FR013254409_BML HP

Account), I agree that you may charge those purchases to this Account. After 
Termination under this paragraph, balances will continue to accrue interest 
until paid in full and I agree to pay the balance on this Account, the interest 
and all other amounts due in accordance with the terms of this Agreement. All 
other provisions of this Agreement will continue to apply.
17. YOUR LIABILITY. You have no responsibility for the failure of the Merchant 
to accept payment using this Account. Your liability, if liability is provided 
under applicable law, for a wrongful failure to make a loan on this Account is 
limited to my actual damages. Failure to make a loan for any reason as provided 
under the terms of this Agreement will not be wrongful.
18. AMENDMENT OF THIS AGREEMENT. You may amend this Agreement from time to time, 
in any respect by giving me written notice where required by law. An amendment 
may change something in this Agreement (for example, the rate of interest on any 
or all the parts), add something new or take something out. Such amendments will 
apply to outstanding balances and new loans, (i) an increase in the APR will 
apply to new loans made more than 14 days after written notice is mailed, (ii) 
except as otherwise indicated in the written notice or (iii) as otherwise 
provided by applicable law. This Agreement, except when amended in accordance 
with this Agreement, is the final expression of the Agreement between us and may 
not be contradicted by evidence of any alleged oral agreement.
19. REMEDIES CUMULATIVE. Your remedies under this Agreement shall be cumulative 
and not alternative.
20. DELAY IN ENFORCEMENT. You can delay enforcing any of your rights under this 
Agreement without losing them. Any waiver by you of any provision of this 
Agreement will not be a waiver of the same or any other provision on any other 
occasion.
21. BOOK ENTRY SYSTEM. I hereby appoint Bill Me Later, Inc. as my agent in 
maintaining, and Bill Me Later, Inc. agrees to maintain, a book entry system 
that records the identity of the owner of each Purchase on the Account. The 
right to the principal of, and stated interest on, each Purchase on the Account 
may only be transferred through the book entry system maintained by Bill Me 
Later, Inc. This section does not affect any of Borrower's obligations under 
this Agreement. This section does not limit or waive any of Borrower's rights, 
including but not limited to Borrower's Billing Rights.
22. ASSIGNMENT. I may not assign or otherwise transfer my rights and privileges 
under this Agreement, or delegate my obligations to repay amounts I owe to you. 
Any attempt to assign or delegate will be void and of no effect. You may assign 
any and all of your rights under this Agreement at any time without my consent. 
Any person, company or bank to which you assign this Agreement shall be entitled 
to all of your rights under this Agreement. None of my rights or obligations 
shall be affected by such assignment.
23. REPLACEMENT OF PRIOR AGREEMENTS. This Agreement replaces all earlier 
Agreements and governs all balances on this Account, including balances carried 
over to this Account from any prior Account, just as if it had been in effect 
before the first advance from this Account.
24. COMMUNICATIONS CONCERNING DISPUTED DEBTS. ALL COMMUNICATIONS BY ME TO YOU 
CONCERNING DISPUTED DEBTS, INCLUDING AN INSTRUMENT TENDERED AS FULL SATISFACTION 
OF THE ACCOUNT, WILL BE SENT TO: hpdirect.com Preferred Account, P.O. Box 5018, 
Timonium, MD 21094.
25. CREDIT INVESTIGATION AND REPORTING. I agree that you have the right to 
obtain a credit report in connection with your review of my application and 
periodically, during the term of this Account, as you deem reasonably necessary 
to maintain and collect this Account. I also agree that you have the right to 
make any credit, employment and investigative inquiries you deem appropriate 
related to this Account and the collection of amounts owed on this Account. I 
authorize you to answer any questions about your experience with me related to 
this Account and to report that experience to credit reporting agencies.
26. NOTICES AND CUSTOMER SERVICE, COMMUNICATIONS BETWEEN US; CONSENT TO 
ELECTRONIC COMMUNICATIONS AND MONITORING AND RECORDING. I may send written 
notices, correspondence, inquiries and questions concerning my Account to you at 
hpdirect.com Preferred Account, P.O. Box 2394, Omaha, NE 68103-2394. I may also 
call your customer service department at 1-888-656-4580. You may use any means 
of communication to contact me for any lawful purpose (including debt 

Page 11

FR013254409_BML HP

collection). Such means of communication may include, but are not limited to, 
postal mail, telephone, e-mail, text message or other technology, even if I am 
charged for the contact. I am responsible for any charges for contacting me that 
may be billed to me by my communications carrier. You may contact me at any 
address (including any e-mail or text message address) or telephone number 
(including any cellular telephone number or landline number that is later ported 
to a cellular telephone) that I give you or from which I call you. You may 
monitor tape or electronically record my telephone calls with you, including any 
calls with your customer service department, collection department and any other 
department. You may contact me using an automatic dialing and announcing device 
that may play recorded messages. I understand and agree that by providing you 
with a cellular telephone number, I consent to receive calls at that number by 
an automatic dialing and announcing device or recorded messages. No contact from 
you will be deemed unsolicited. I may contact your customer service department 
to ask that you not contact me by using any one or more particular methods or 
technologies.
27. GOVERNING LAW, CONSTRUCTION AND DISPUTES.
a. Governing Law and Construction. This Agreement has been accepted by you in 
the state of Utah, and all loans will be extended by you in the state of Utah. 
Regardless of the state of my residence or the place where the Merchant is 
located, I agree that the provisions of this Agreement relating to interest, 
charges and fees shall be governed by federal law and construed in accordance 
with federal law and, as made applicable by federal law, the law of the state of 
Utah. Other terms and provisions shall be governed by and construed in 
accordance with the law of the state of Utah, without regard to principals of 
conflicts of law, except to the extent preempted, superseded, or supplemented by 
federal law.
b. Forum for Disputes. Except as otherwise agreed by the parties, I agree that 
any claim or dispute I may have against you must be resolved by a court located 
in Utah. I agree to submit to the personal jurisdiction of the courts located 
within Utah for the purpose of litigating all such claims or disputes.
c. Improperly Filed Litigation. All claims I may bring against you must be 
resolved in accordance with section 27 of this Agreement. All claims filed or 
brought contrary to section 27 shall be considered improperly filed and a breach 
of this Agreement. Should I file a claim contrary to section 27, you may recover 
attorneys' fees and costs (including in-house attorneys and paralegals) up to 
$1,000.00 USD, provided that you have notified me in writing of the improperly 
filed claim, and I have failed to promptly withdraw the claim.
28. SEVERABILITY. If any provision of this Agreement is held to be invalid or 
unenforceable, such determination shall not affect the validity or 
enforceability of the remaining provisions of this Agreement.
29. BORROWER'S BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE.
This notice is required by federal law. In this notice, "you" and "your" mean 
the Borrower. "We" and "our" mean the Lender. 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:
hpdirect.com Preferred Account, P.O. Box 5018, Timonium, MD 21094. 
In your letter, give us the following information:
  Account information: Your name and account number.
  Dollar amount: The dollar amount of the suspected error.
  Description of problem: If you think there is an error on your bill, describe 
  what you believe is wrong and why you believe it is a mistake.
You must contact us:
  Within 60 days after the error appeared on your statement.
  At least 3 business days before an automated payment is scheduled, if you want 
  to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us or email 
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
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.

Page 12

FR013254409_BML HP

2. Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
  We cannot try to collect the amount in question, or report you as delinquent 
  on that amount. 
  The charge in question may remain on your statement, and we may continue to 
  charge you interest on that amount.
  While you do not have to pay the amount in question, you are responsible for 
  the remainder of your balance. 
  We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
  If we made a mistake: You will not have to pay the amount in question or any 
  interest or other fees related to that amount.
  If we do not believe there was a mistake: You will have to pay the amount in 
  question, along with applicable interest and fees. We will send you a 
  statement of the amount you owe and the date payment is due. We may then 
  report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organizations know when the matter has 
been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on the 
purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of 
your current mailing address, and the purchase price must have been more than 
$50. (Note: Neither of these 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 or with a check that accesses your credit card account 
do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:
hpdirect.com Preferred Account, P.O. Box 5018, Timonium, MD 21094.
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.
HPDPATC0611
Pricing Addendum to the HP Preferred Account Terms and Conditions

Annual Percentage Rate (APR) for Standard and Promotional Purchases
25.99%*
Paying Interest
My due date is at least 25 days after the close of each billing cycle. You will not 
charge any interest on Standard or Promotional Purchases (excluding Promotional 
Purchases subject to a Deferred Interest option) if I pay the entire balance by the 
due date each month. You will begin charging interest on purchases subject to an 
Extended Grace Period on the last day of the billing cycle in which the expiration 
date occurs, which will be at least 58 days after the transaction date. You will 
charge interest on a Deferred Interest Purchase from its transaction date, unless I 
pay the Deferred Interest balance in full by its expiration date, which will be at 
least 6 months after the transaction date. You will begin charging interest on 
Financed Equal Payment Purchases on the transaction date.

Page 13

Minimum Interest Charge
If I am charged interest, the charge will be no less than $2.00.
Late Payment Fee 

FR013254409_BML HP

If the minimum payment due is:

$25 or less

Over $25 
The late fee is: 

Up to $5.00

Up to $35.00

Return Check Fee 
Up to $35.00
Balance Computation Method
You will calculate my balance using the Average Daily Balance method.  You will 
compute the interest for each part on the "Average Daily Balance" (including new 
Purchases) for that part during the Billing Cycle. To get the Average Daily Balance 
for each part, you will take the beginning balance for each part each day and add 
any new Purchases and adjustments posted that day, including billed interest and 
billed Fees; then subtract any balances subject to an Extended Grace Period, any 
payments and any credits. This gives you the "Daily Balance." Then, you add up all 
the Daily Balances for the Billing Cycle for that part and divide the total by the 
number of days in the Billing Cycle. The result is the Average Daily Balance for 
that part. You will treat any Average Daily Balance which is a credit balance as 
zero. 

*   From time to time Lender may offer Standard Purchases or Promotional Purchases 
with a lower rate that may apply for a limited time.

Page 14