BrightWaySM Mastercard® Credit Card Agreement  

The BrightWay Mastercard® Credit Card Agreement (“Agreement”) which includes your Account 
Terms, shows the terms under this Agreement and important information related to consumer 
credit cards issued by WebBank, a Utah-chartered bank located in Salt Lake City, Utah. Please log 
into your online account if you would like to request a copy of this Agreement.  

Account Terms  

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

26.99%* 

APR for Cash Advances 

26.99%* 

APR for Balance Transfers 

26.99%* 

How to Avoid Paying Interest on 
Purchases 

Your due date is at least 25 days after the close of each Billing Cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To  learn  more  about  factors  to  consider  when  applying  for  or 
using a credit card, visit the website of the Consumer Financial 
Protection 
at 
http://www.consumerfinance.gov/learnmore. 

Bureau 

Fees 

Annual Fee 

Transaction Fees 

• Cash Advance 

• Balance Transfer 

[$65] 

 Either $10 or 3% of the amount of each cash advance, whichever is  
greater.  

 Once  available,  either  $10  or  3%  of  the  amount  of  each  balance 
transfer, whichever is greater.  

• Foreign Transaction  

1% of each transaction in U.S. dollars.  

Penalty Fees 

• Late Payment 

Up to $40. 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” See the “Interest” section of this Agreement for more details.  

Billing Rights Summary: Information on your right to dispute transactions and how to exercise those rights is 
provided in the “Your Billing Rights” section of this Agreement.   

*Periodic Rate:  The APR above corresponds to a monthly Periodic Rate of 2.24917%. See the “Interest” section 
of this Agreement for more details.  

PLEASE READ THIS ENTIRE AGREEMENT AND KEEP IT FOR YOUR RECORDS. THIS AGREEMENT CONTAINS AN 

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ARBITRATION CLAUSE (EXHIBIT A). UNLESS YOU ARE A “COVERED BORROWER” PROTECTED BY THE MILITARY 
LENDING ACT (THE “MLA”) OR UNLESS YOU PROMPTLY REJECT THE ARBITRATION CLAUSE, IT WILL HAVE A 
SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR 
PARTICIPATE IN A CLASS PROCEEDING. 

1. 

INTRODUCTION.  This  BrightWay  Mastercard®  Credit  Card  Agreement  (this  “Agreement”)  governs  the  credit  card 
account  (“Account”)  we  are  providing  to  you.  This  Agreement  becomes  effective  as  soon  as  (1)  you  agree  to  it 
electronically or in writing and (2) we mail you a “Card” or provide you with an “Account” number (as such terms are 
defined below) to enable you to make Purchases. 

A.  Certain Definitions. As used in this Agreement, “we,” “us,” “our” and “ours” mean WebBank, a bank chartered by 
the State of Utah, and its successors and assigns. “You” and “your” mean each and every person who applies for 
and is granted or accepts an Account. Certain capitalized terms are defined in the body of this Agreement. Other 
terms are defined in Section 12. This product is issued by WebBank and serviced by OneMain Financial Group, 
LLC. (“OneMain”). 

B.  Promise to Pay. You promise to pay us all amounts you owe under this Agreement, including all Purchases and 

Cash Advances, and the interest, fees and other amounts charged under this Agreement. 

C.  Account Use and Acceptance. By using your Card or Account, or letting someone else use your Card or Account, 
you agree to all the terms of this Agreement. You acknowledge that you received a copy of this Agreement in a 
form you can print or save.  

You may use your Account only for lawful personal, family, or household purposes. You must not use your Account 
for business or commercial purposes or for any unlawful purpose. 

You may not use or permit your Account to be used in any illegal activity. We will not be liable if you engage in an 
illegal  transaction.  We  may  deny  authorization  of  any  transactions  identified  as  Internet  gambling,  even  if  legal 
where done, or on any transaction involving cannabis or cannabis dispensaries, whether legally licensed to operate 
or not. 

You may not use your Account to conduct transactions in any country or territory or with any individual or entity that 
is subject to economic sanctions administered and  enforced by the U.S. Department  of the Treasury's Office of 
Foreign Assets Control or any other governmental authority with jurisdiction over you. 

D.  Amending This Agreement. We may amend this Agreement at any time and for any reason in accordance with 
applicable law. This includes adding, deleting or changing any provisions of this Agreement, including provisions 
concerning interest or fees. We may change this Agreement based on economic or market conditions, our business 
strategies, or for any other reason, including, but not limited to, reasons unrelated to you or your Account. We will 
notify  you  of  amendments  to  this  Agreement  as  required  by  applicable  law.  This  section  does  not  apply  to  the 
Arbitration  Agreement  set  forth  at  Exhibit  A  to  this  Agreement.  Amendments  to  the  Arbitration  Agreement  are 
governed  by  the  section  of  the  Arbitration  Agreement  entitled  “AMENDMENTS  TO  THE  ARBITRATION 
AGREEMENT.” 

E.  Governing Law. This Agreement is entered into in the State of Utah, and we extend credit to you from the State of 
Utah. The laws of the State of Utah, without regard to conflict of laws principles, and applicable federal law govern 
this Agreement. 

2.  USING YOUR ACCOUNT. 

A.  Credit Limit; Cash Advance Limit; Credit Availability. If you are approved for a Card at a branch location, we will 
tell you your Credit Limit (and if different, a separate Cash Advance Limit for Cash Advances or Balance Transfers). 
Otherwise we will show you your Credit Limit (and if different, a separate Cash Advance Limit for Cash Advances or 
Balance Transfers) as part of the online onboarding process.  

You may not use your Account in any way that would cause you to go over your Credit Limit or Cash Advance Limit. 
We may refuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit 
Limit or Cash Advance Limit. We may temporarily agree to allow you to exceed your Credit Limit or Cash Advance 
Limit. However, in that case you must repay the excess amount upon demand. Any transactions honored in excess 
of your Credit Limit or Cash Advance Limit will not result in an increase of your Credit Limit. We may at any time and 
without prior notice to you increase or decrease your Credit Limit or Cash Advance Limit or take away your ability to 

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obtain Cash Advances. 

B.  Types of Transactions. You may use your Account to obtain credit for three types of transactions (“Transaction 
Types”)—Purchases, Cash Advances and Access Checks which can be used as balance transfer checks or to pay 
other amounts. You agree that your signature is not necessary to obtain credit under the Account. 

1.  Purchases. A “Purchase” is the use of the Card or Account information to purchase or lease goods or services. 
Purchases may be made in person, over the phone, by using a computer or mobile device, or otherwise.  

2.  Cash Advances. A “Cash Advance” is the use of the Card or Account information: (a) to obtain cash from a 
financial institution or an automatic teller machine; or (b) if we allow, to purchase a Cash Equivalent. The term 
“Cash Equivalent” includes traveler’s checks, savings bonds, foreign currency, money orders, wire transfers, 
lottery  tickets,  gift  cards,  funds  loaded  onto  prepaid  cards,  gaming  chips  and  other  items  used  for  gaming 
transactions.  

3.  Access  Checks.    We  may  provide  you  with  Access  Checks.    If  we  do,  we  will  tell  you  at  the  time  how  we 
consider  the  transaction  (e.g.  Purchases,  Cash  Advances,  or  special  transfers).  Balance  Transfers  (when 
offered) (paying another creditor’s balance using your BrightWay or BrightWay+ line) may be done using Access 
Checks.  Only the person we designate may use Access Checks.  You may not use them to pay any amount 
you owe us or any other company in the OneMain or WebBank organizations.  We may reject and not pay any 
Access Check if: (a) your account is past due, charged off, bankrupt, lost/stolen or closed; (b) we suspect fraud; 
(c)  your  Account  is  over  the  Credit  Limit;  or  (d)  the  check  has  expired,  is  damaged  or  cannot  otherwise  be 
processed.  Our liability if we do not pay an Access Check improperly will never be more than (a) your actual 
damages, or (b) the amount of the Access Check, whichever is less.  When you use an Access Check you will 
have fewer rights to dispute merchant transactions than with uses of your card.  Please see the “Your Billing 
Rights”  section  of  this  Agreement,  the  “Billing  Rights  Summary”  on  your  statement  and  your  other  Truth-in-
Lending Disclosures for more information. 

4.  Mobile Devices. Mobile apps or apps designed to run on a mobile device that use your Account information to 
initiate transactions may have separate terms of use. We are not responsible if you violate those terms or for 
any consequences resulting from any violation of those terms. 

5.  Foreign  Transactions.  If  you  make  a  transaction  in  a  foreign  currency  (including,  for  example,  an  online 
Purchase  from  a  foreign  merchant),  the  transaction  amount  will  be  converted  to  a  U.S.  dollar  amount  by 
Mastercard International Incorporated (“Mastercard”) in accordance with Mastercard’s conversion procedures 
then in effect. Mastercard’s procedures may change without notice.  These procedures include how Mastercard 
chooses an exchange rate and when it performs the conversion.  The exchange rate that Mastercard uses to 
convert a transaction to U.S. dollars may differ from the rate in effect on the date the transaction is posted. Any 
costs resulting from Mastercard’s procedures, including from the exchange rate selected by Mastercard, will be 
reflected in the transaction amount posted to your Account.  If a third party, such as a merchant, converts the 
amount  of  a  transaction  to  U.S.  dollars  before  sending  the  transaction  to  Mastercard,  then  the  third  party 
chooses the conversion rate instead of Mastercard.  The same conversion process may apply if any transaction 
originally in a foreign currency is reversed or credited back to your Account.  You also agree to pay the foreign 
transaction fee set forth below for transactions in a foreign currency. 

6.  Recurring Transactions. You may authorize transactions that recur on a monthly or other regular basis. If you 
wish to stop a recurring charge, you must contact the merchant. If we send you a new Card or Account number, 
for  example  because  your  prior  Card  expired  or  was  lost  or  stolen,  and  you  wish  recurring  transactions  to 
continue, you should provide the merchant with updated Account information. (Note that some merchants are 
able to automatically access your new Account information and continue initiating recurring transactions without 
new information from you.) We are not liable for any merchant fees or other charges you incur because recurring 
transactions do not continue. 

C.  Refusal To Honor Your Account. We may refuse to honor or authorize any transaction presented on your Account 
for any reason without prior notice to you. A merchant, business or financial institution may refuse to  honor any 
transaction presented on your Account. We are not liable for any refusal to honor your Account. We are not liable 
for retention of the Card by us, any financial institution, or any provider of goods or services. 

D.  Statements. Generally, at the end of each monthly period in which there is Account activity or an Account balance 
(a “Billing Cycle”), we provide you a statement showing what you owe, the Minimum Payment Due, the Payment 
Due Date, your current Credit Limit, an itemized list of transactions, interest charges, fees, payments and credits 

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posted to your Account during the Billing Cycle and other important information.  Under certain circumstances, the 
law may not require us to send or make available to you a statement or may prohibit us from doing so. 

E.  Payments. 

1.  General. You must pay each month at least the Minimum Payment Due by the Payment Due Date shown on 
your statement. At any time, you may pay us more than the Minimum Payment Due, up to and including 
the total outstanding balance on your Account, without penalty. Any payments made in one Billing Cycle 
will not count toward any Minimum Payment Due in the following Billing Cycle. Merchant credits or person-to-
person money transfers or other credits to your Account will not be treated as payments towards the Minimum 
Payment Due unless we decide otherwise in our absolute discretion. You must follow the instructions below 
when making a payment. If you do, then your payment will be credited as of the day we receive it.   

•  You must pay in U.S. dollars. 
•  You must use a check or ACH payment from a bank in the United States. 
•  You must not include any restrictive endorsements on the check. 
•  You must follow the additional payment instructions shown on your statement. 

If you do not pay in U.S. dollars and we accept your payment, then you authorize us to select the currency 
conversion rate, and you must pay our costs. If you do not follow our payment instructions, then we may not 
accept your payment or there may be a delay in crediting your payment, to the extent permitted by applicable 
law.  We can accept partial or late payments without losing any of our rights under this Agreement. If you submit 
any payment that is marked as “paid in full” or with other restrictive writing and is less than the total outstanding 
balance on your Account, we can credit that payment to your Account and you will remain fully liable for any 
remaining Account balance. No payment shall operate as an accord and satisfaction without the prior written 
approval of one of our officers authorized to provide such approvals.  You may not use a postdated check to 
make a payment. If you do so, we can either honor the check immediately or return it.  

2.  Minimum Payment Due. Your Account will be on a monthly Billing Cycle. Each Billing Cycle, you must pay at 
least the minimum payment amount by the payment due date shown on your billing statement (“Payment Due 
Date”). The minimum payment is the greater of (A) $25 or (B) the total of the following (“Minimum Payment 
Due”): 

1.  1% of the new balance; plus 

2. 

the total billed interest charges and late fees we have billed you on the statement for which 
your minimum payment is calculated; plus 

3.  an amount equal to the most recent annual fee assessed to the Account divided by 12. 

We will add any amount past due, and any amount by which your statement balance is in excess of your 
assigned credit limit to this Minimum Payment Due. Any new balance less than (A) and (B) is payable in full.  
Your Minimum Payment Due will never exceed your new balance. If you make a payment greater than your 
Minimum Payment Due, this does not affect your obligation to make the Minimum Payment Due shown on the 
next statement. We do not pay interest on overpayments or any other credit balances created on your Account. 

3.  Electronic  Check  Conversion.  Each  time  you  send  a  check  as  payment,  you  authorize  us  either  to  use 
information from your check to make a one-time electronic funds transfer from the account on which the check 
is drawn or, alternatively at our option. to process the payment as a check transaction. Funds may be withdrawn 
from your bank account as early as the date your check is received and you will not receive your check back 
from your financial institution. If we cannot process the electronic fund transfer, or if it is returned to us, you 
authorize us to reinitiate the electronic fund transfer from your bank account. Alternatively, we may at our option 
present the original check or a substitute check, draft or similar negotiable instrument to obtain payment. If you 
have  questions  about  electronic  check  conversion,  you  may  telephone  us  at  the  customer  service  number 
located on the front of your statement or write to us at the address for Billing Inquiries and Correspondence 
located on the front of your statement. 

F.  Authorized Users and Unauthorized Use. 

1.  Authorized Users.  In the future when available, and if you ask us to issue a Card to any other person, they 
are an Authorized User.  We may require certain information about them.  We may limit their ability to use your 

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Card.  They may have access to certain information about your Account.  You will be responsible for their use 
of the Account and anyone else they allow to use your Account, even if you did not want, or agree to, that use.  
If you want to remove an Authorized User from your Account, you must contact Customer Service and request 
their removal.  You also immediately destroy all Cards in their possession and cancel any arrangements they 
may have set up on your Account.  They will be able to use your Account until you have notified us that you are 
removing them from your Account.  During this time, you will still be responsible for all amounts they charge to 
your Account.  You will be responsible even if these amounts do not appear on your Account until later. 

2.  Unauthorized Use of Your Account. If any Card, Account information or device with an app that can access 
the Account is lost or stolen, or if you think someone used or may use the Account without your permission, 
you  agree  to  notify  us  immediately  by  calling  the  customer  service  number  located  on  the  front  of  your 
statement. In such event, we may close your Account to new transactions, change your Account number(s) 
and/or issue you a new Card or Cards with different Account numbers. 

3.  Your Liability for Persons Using Your Account. You are liable for: (a) any transactions made by you or an 
Authorized  User  on  your  Account;  (b)  any  transactions  made  by  persons  you  allow  to  use  your  Account  by 
providing access to any Card or Account credentials; and (c) any interest and fees resulting from such use. 
These transactions are subject to all terms of this Agreement.  

3. 

INTEREST. 

A. 

Interest Rates. The “Annual Percentage Rates for Purchases” (or “APR for Purchases”) on the Account as well 
as the Cash Advance and Balance Transfer APRs are shown on page 1 of this Agreement along with the monthly 
Periodic Rate.  

B.  When We Start Charging Interest.  

1.  On each Cash Advance or Balance Transfer, we begin charging interest on the transaction date. 

2.  For Purchases, we do not charge periodic interest in any Billing Cycle if you pay the new balance, if any, as 
shown  on your  prior statement in full  by the  Payment Due Date shown on such statement  every month.   A 
Billing  Cycle  without  periodic  interest  is  an  "Interest  Free  Period"  (sometimes  called  a  "grace  period"  on 
Purchases).  If your current statement indicates that you made full payment of the previous balance (which is 
the same as the new balance shown on your previous statement) by the Payment Due Date as shown on the 
previous  statement  or  if  the  current  statement  indicates  that  the  previous  balance  was  zero  or  a  negative 
amount, and if you also make a payment equal to the new balance indicated on the current statement by the 
Payment Due Date shown on the current statement, then we will not charge interest on any portion of the new 
Purchases that appear on the current statement to which we allocated such payment. 

3.  On  each  Purchase,  we  charge  interest  from  the  posting  date  on  your  statement  unless  the  Purchase  posts 
during an Interest Free Period for Purchases. If the Purchase posts during an Interest Free Period, but the next 
Billing Cycle is not an Interest Free Period (i.e., you fail to pay the new balance from the prior Billing Cycle in 
full by the Payment Due Date), we start charging interest as of the first day of that next Billing Cycle on the 
portion of the Purchase, if any, that is not paid by the Payment Due Date in that Billing Cycle. We do not charge 
interest on any Purchase that is made during an Interest Free Period and paid in full by the Payment Due Date 
in the next Billing Cycle so long as the previous month’s balance was paid in full by that cycle’s payment due 
date. 

C.  Computation of Balance Subject to Interest Rate; Interest Charges.  We calculate the interest charge on each 
transaction type for your Account using a method called Average Daily Balance (including new transactions). To 
get the "Average Daily Balance”, each day we take the beginning balance for each transaction type for your Account, 
add  any  interest  charges,  transactions  or  other  debits  (including  new  Purchases,  Cash  Advances,  Balance 
Transfers, and Transaction Fees) and subtract any payments or credits for each transaction type. This gives us the 
daily balance.  (If a daily balance is less than zero, we will treat it as zero. Transactions that are subject to an Interest 
Free Period are not added to the daily balance.)  We then add up all of the daily balances for the Billing Cycle and 
divide that number by the number of days in the Billing Cycle.  This gives us the "Average Daily Balance."  If a 
transaction type for your Account has an Interest Free Period for a Billing Cycle, the Balance Subject to Interest 
Rate for that transaction type during the Billing Cycle will be $0. 

The Interest Charges for a Billing Cycle are computed by applying the monthly Periodic Rate for the transaction 
type (e.g., the Periodic Rate applicable to Purchases, Cash Advances, Balance Transfers, etc.) to the "Average 

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Daily Balance" of that transaction type. 

D.  Minimum Interest Charge. If the periodic interest charge computed in accordance with this Section 3 is less than 
$0.50 in any Billing Cycle, then we will charge a “Minimum Interest Charge” of $0.50 instead of interest for such 
Billing Cycle.  

E.  Promotional Purchases, Cash Advances, or Balance Transfers:  From time to time we may offer a temporary 
promotional  APR  and  different  terms  that  will  apply  to  specified  Purchases,  Cash  Advances  and/or  Balance 
Transfers.  Details will be provided at the time that these terms are offered to you. 

4.  FEES. You agree to pay the fees described below whenever applicable. 

A.  Annual Fee. On the day that we cycle your account, we will charge you an Annual Fee as shown on Page 1 of this 
Agreement. Thereafter, at the end of the Billing Cycle one year after the initial Annual Fee and yearly thereafter, we 
will charge you the annual fee shown on Page 1. If your account has been assessed an Annual Fee, you may avoid 
paying this Annual Fee by sending written notification of termination within the first 30 days following the opening 
of your Account to the following address: P.O. Box 981037, Boston, MA 02298-1037. You may not use your Card(s) 
during this 30 day period but immediately thereafter must send your Card(s), which you have cut in half to this same 
address. Otherwise you must pay the entire annual fee and no credit will be given for any portion of a partial year if 
your  Account  is  closed.  While  the  Account  will  be  closed  to  new  Purchases,  it  will  remain  open  until  the  entire 
balance has been paid in full, including the applicable Annual Fee.  

B.  Transaction Fees 

1.  Cash Advance/Balance Transfer Fees. On the day we post a Cash Advance or a Balance Transfer (when 
available) to the Account, we will charge you $10 or 3% of the amount of such posting, whichever is greater.  
We may offer a special promotion with different fees and will inform you of those promotional fees at the time 
offered. 

2.  Foreign Transaction Fee. On the day we post to the Account a transaction in a foreign currency, we will charge 

you a Foreign Transaction Fee equal to 1% of the amount of such transaction in U.S. dollars.  

C.  Penalty Fees 

1.  Late Payment Fee. We will charge you a Late Payment Fee if we do not receive at least your Minimum Payment 
Due on or before its Payment Due Date. The Late Payment Fee is $40 if you have had a Late Payment Fee in 
the prior six Billing Cycles and is otherwise $29. However: (a) the Late Payment Fee will not exceed the dollar 
amount of the Minimum Payment Due that is not paid on a timely basis; and (b) we will not charge you more 
than a single Late Payment Fee with respect to the same Minimum Payment Due.  

2.  Returned Payment Handling. If any payment is returned unpaid, we may resubmit it to your bank. We will not 
charge  a  returned  payment  fee,  but  your  bank  may  charge  its  own  overdraft  or  non-sufficient  funds  fees  in 
connection with returned payments.  Any returned payment will reverse a prior payment and may cause your 
account to become delinquent which may trigger a Late Payment Fee. 

D. 

Incidental Fees. 

1.  Replacement Card Fee. We may charge you up to a $25 Replacement Card Fee for each replacement Card 

we provide for a Card that has been lost or stolen. 

2.  Additional Fees.  We may charge additional fees for  separate services we provide you, in  accordance  with 

applicable law. 

5.  DEFAULT. 

A.  Actions that Trigger Default. Subject to applicable law (including any applicable right to cure), you will be in default 

of this Agreement if: 

1.  We do not receive any required Minimum Payment Due by the applicable Payment Due Date; 

2.  You  either  allow  the  total  outstanding  balance  on  your  Account  to  exceed  your  Credit  Limit  or  you  allow  the 

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outstanding balance of Cash Advances/Balance Transfers to exceed the Cash Advance/Balance Transfer Limit; 

3.  You fail to reduce the total outstanding balance to the appropriate Credit Limit immediately upon our demand; 

4.  You fail to reduce the balance of Cash Advances/Balance Transfers to the Cash Advance/Balance Transfer Limit 

immediately upon our demand; 

5.  You violate any term of this Agreement; 

6.  You submit a payment that is returned for insufficient funds or any other reason  and you then fail to make the 

required minimum monthly payment because of that returned payment; 

7.  You voluntarily file for any form of bankruptcy; 

8.  An involuntary bankruptcy action is filed against you; 

9.  You provide any false or misleading information to us at any time, whether in writing, electronically or verbally; 

10.  You fail to promptly provide financial or other information in response to any reasonable request we make;  

11.  You die or a court enters an order declaring you to be either temporarily or permanently incompetent; or 

12.  You are in default of, or terminate or cause to be terminated, any other agreement you have with us or any of 

our affiliates. 

B.  Our Rights If You Default. If you default under this Agreement, we may, but are not required to, take any and all 
actions permitted by law including, but not limited to, requiring you immediately to pay the total outstanding balance 
on your Account, suspending or ending your Account privileges, permanently closing your Account or taking any 
other actions provided in this Agreement. 

C.  Collection Costs. Subject to applicable law, you agree to pay us for all collection costs incurred if we refer your 
Account  for  collection  to  any  attorney,  collection  agency,  person  or  entity  that  is  not  our  salaried  employee. 
Collection costs include all amounts permitted by applicable law including, but not limited to, reasonable attorneys’ 
fees, court costs and collection agency fees. 

6.  CLOSING OR SUSPENDING YOUR ACCOUNT. 

A.  Our Right and Your Right to Close or Suspend Your Account. We may close or suspend your Account at any 
time, unless prohibited by applicable law, whether or not you are in default under this Agreement. We may do this 
in our discretion, for any reason or for no reason, and without prior notice. You may also close your Account at any 
time by calling us at the customer service number located  on the  front  of your  statement  or writing to us  at the 
address for Billing Inquiries and Correspondence located on the front of your statement. The closure or suspension 
of your Account does not relieve you of any obligations set forth in this Agreement. Upon the closing or suspension 
of your Account, you remain fully liable for the total outstanding balance on your Account, including all Purchases 
and Cash Advances, fees and interest both before and after the closing or suspension of your Account. 

B.  Account Cannot Be Used After Closed. Once your Account has been closed by us or closed at your request, 
neither you nor any Authorized User may use your Account. Upon closing of your Account, you must: (1) destroy 
all Cards and remove any Account access apps from your devices; (2) cause all Authorized Users to do the same; 
and (3) revoke any authorization for third parties to initiate recurring or additional charges on your Account. 

7.  COMMUNICATIONS WITH YOU. 

A.  How We Communicate With You. To the extent permitted by applicable law, you authorize us and our agents, 
assigns and service providers, including OneMain (collectively, the “Messaging Parties”) to contact you using any 
lawful means, including automatic telephone dialing systems, artificial or prerecorded voice message systems, text 
messaging systems and automated email systems, to provide you with information about the Card, the Account 
and/or  this  Agreement,  including  information  about  upcoming  payment  dates,  missed  payments  and  returned 
payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including 
wireless,  landline  and  VOIP  numbers)  or  email  addresses  you  supply  to  the  Messaging  Parties,  including  in 
connection with your application for the Account, the Messaging Parties’ servicing and/or collection of amounts you 

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owe under this Agreement, or any other transaction involving you and the Messaging Parties. You understand that 
anyone with access to your telephone or email account may listen to or read the messages the Messaging Parties 
leave or send you, and you agree that the Messaging Parties will have no liability for any resulting loss of privacy. 
You further understand that, when you receive a telephone call, text message or email, you may incur a charge 
from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that 
the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You 
agree that this authorization constitutes a bargained for exchange. To the extent you have the right under applicable 
law to revoke this authorization, you agree you may do so only by calling the Messaging Parties at the customer 
service number set forth on your  statement. To stop emails, you can follow the opt-out instructions included at the 
bottom of the Messaging Parties’ emails. If any telephone number you have provided to the Messaging  Parties 
changes, or if you cease to be the owner, subscriber or primary user of any such telephone number, you agree to 
immediately give us notice of such facts so we can update their records.  

B.  Call Monitoring and Recording. You understand and agree that, subject to applicable law, the Messaging Parties 
may monitor and/or record any and all of your telephone conversations with any of their representatives for training, 
quality control, evidentiary and any other purposes. However, the Messaging Parties are not under any obligation 
to monitor, record, retain or reproduce such recordings, unless required by applicable law. 

C.  Notices Concerning Your Account. You agree that we may send any and all required notices concerning your 
Account  to  the  physical  address  provided  to  us  as  your  billing  address.  In  addition,  we  may  send  you 
communications electronically in any manner authorized by you in accordance with applicable law.  

8. 

INFORMATION SHARING; CREDIT REPORTING. You authorize us and/or OneMain to collect information about you 
as permitted by applicable law. This includes collecting information from credit reporting agencies and other third parties 
that  have  financial  information  about  you.  You  authorize  us  to  share  your  Account  information  about  you  and  any 
Authorized Users with our affiliates and third parties, including credit reporting agencies, as permitted by applicable law. 
Please see our Privacy Policy, which is included in your Account opening material, for additional details. Late payments, 
missed payments or other defaults on this Agreement may be reflected in your credit report. If you believe that 
we have reported inaccurate information to a consumer reporting agency, write to us at P.O. Box 981037, Boston, 
MA 02298-1037. 

9.  MILITARY LENDING ACT. 

A.  Notice  to  Active  Duty  Servicemembers  and  Their  Dependents.  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 may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated 
with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any 
application fee charged (other than certain application fees for specified credit transactions or accounts); and any 
participation fee charged (other than certain participation fees for a credit card account.   

B.  Oral Disclosures. Before signing this Agreement, please contact us at 866-207-9130 for an oral statement of the 

APR and a disclosure of your payment obligations under this Agreement. 

C.  Covered Borrowers.  Military Lending Act (“MLA”) provides important protections to members of the Armed Forces 
and their dependents (“Covered Borrowers”).  You are a Covered Borrower if, in connection with the opening of 
your Account, we determine you are an active duty member of the Armed Forces (including active Guard and Reserve 
duty) or a dependent of an active duty member. You will cease to be a Covered Borrower if we determine you are no 
longer an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an 
active duty member. 

D. 

Inapplicable Provisions. If you are a Covered Borrower, the Arbitration Agreement in Exhibit A does not apply to 
you. Further, notwithstanding any other provision of this Agreement, if you are a Covered Borrower, then nothing in 
this  Agreement  shall  be  construed  as  applying  to  you  to  the  extent  inconsistent  with  the  MLA,  including  without 
limitation any interest, fees, or limitations on your rights that would not be consistent with the MLA.  

10.  DEFINITIONS. As used in this Agreement: 

A.  “Authorized User” means any person who, at your request, receives a Card in such person’s name allowing access 
to the Account. We may limit the number of Authorized Users. For purposes of your liability for transactions under 
the Account, the term “Authorized User” also includes any person to whom you permit to use or provide access to 

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a Card, a device that can access the Account or authentication credentials for the Account. 

B.  “Card” means any initial or replacement credit card or other access device (including an account number) that we 
issue to you or to any Authorized User to access the Account. We may replace a Card with another Card at any time. 

C.  “Cash  Advance  Limit”  means  the  maximum  amount  of  Cash  Advances  you  may  have  outstanding  under  the 
Account at any time, provided that we may allow you to obtain more Cash Advances at any time in our absolute 
discretion. 

D.  “Credit Limit” means the limit we establish for the maximum amount of total credit you may have outstanding under 
the Account at any time, provided that we may allow you to obtain more credit at any time in our absolute discretion.  

11.  MISCELLANEOUS. 

A.  Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in 
benefits brochures or other documents and internet web sites. For example, certain eligible purchases charged with 
a Mastercard® Credit Card may be eligible for certain benefits or services through Mastercard or its affiliates. Any 
benefits or services we make available through third parties (including without limitation Mastercard) are not a part 
of this Agreement but are subject to the terms and restrictions outlined in the applicable benefits brochures or other 
documents or internet web sites provided or made available to you from time to time. You agree that we may give 
information about you, any Authorized User and your Account to any third party reasonably needing the information 
to provide you with such benefits or services. You also agree that we or any third party providing any Account- 
related benefits or services may change, add, or delete benefits or services at any time without notice to you. 

B.  Enforcing this Agreement; Severability. We may delay or waive enforcing any of our rights or exercising any of 
our remedies under this Agreement or under applicable law without losing any of those rights or remedies. Even if 
we do not enforce our rights or exercise our remedies at any one time, we may enforce or exercise them at a later 
time. Except as otherwise provided in the Arbitration Clause, if any provision of this Agreement is found to be invalid 
or  unenforceable,  it  shall  not  affect  or  impair  the  validity  and  enforceability  of  all  remaining  provisions  of  this 
Agreement. 

C.  Headings. We use headings in this Agreement for convenience and organization. They are for reference purposes 

only and do not impact the meaning of the provisions. 

D.  Assignment; Sale of Account. We may at any time, and without notice to you, sell, assign or transfer your Account, 
any amounts due on your Account, this Agreement or our rights or obligations under your Account or this Agreement 
to any person or entity, subject to applicable law. The person or entity to whom we make any such sale, assignment 
or transfer shall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent 
sold, assigned or transferred. You may not sell, assign or transfer your Account or any of your rights or obligations 
under this Agreement. 

E.  No Security. Your Account is unsecured. We are not taking (and waive) any security interest in any property in 

connection with your Account. 

F.  Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any monthly statement or 
other document to prove what you owe us and that the copy, microfilm, microfiche or digital image will have the 
same validity as the original. 

G.  Entire Agreement. This Agreement  is the entire  agreement between you  and  us relating to your Account. This 
Agreement replaces any prior agreement relating to your Account. In the event of a conflict between this Agreement 
and any other document, this Agreement will control unless otherwise expressly provided in the other document. 
This written Agreement is a final expression of the Agreement between you and us. This written Agreement may 
not be contradicted by evidence of any oral agreement.  

H.  Cardholder: Your name, address and signature (including any electronic or digital signature) and the date on any 
application or solicitation or on any sales slip or other evidence of indebtedness on your Account represent your 
name, address and signature and the date on this Agreement. You promise you have reached the age of majority 
in the jurisdiction in which you reside. 

•  Notice and Cure. Before starting a lawsuit or arbitration regarding a legal dispute or claim relating to this Agreement 
or the Account (as more fully defined in the Arbitration Clause, a “Claim”), to the extent permitted by applicable law,   

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the party asserting the Claim (the “Claimant”) must give the other party (the “Defending Party”) written notice of the 
Claim (a “Claim Notice”). The Claim Notice must explain in reasonable detail the nature of the Claim, any 
supporting facts and the relief that is demanded. If we are the Claimant, we must send the Claim Notice to you to the 
address or email address for you maintained in our records. If you are the Claimant, you or an attorney you have 
personally hired must send the Claim Notice to WebBank, c/o OneMain Financial, Attn. Legal Department, PO Box 
59, Evansville IN 4770 (or such other address as we subsequently provide you). You (or your attorney) must 
provide your full name, the last five digits of your Account number and a phone number where you (or your attorney) 
can be reached. An attorney sending a Claim Notice on your behalf must attach to the Claim Notice a writing signed 
by you, explicitly authorizing the attorney to act on your behalf. Once a Claim Notice is sent, the Claimant must give 
the Defending Party a reasonable opportunity over the next 30 days to resolve the Claim on an individual basis. The 
Claimant must reasonably cooperate in providing any information about the Claim that the Defending Party 
reasonably requests. 

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ARBITRATION CLAUSE—EXHIBIT A 

This Clause is part of the Agreement and is legally binding. For purposes of this Clause, our Notice Address is: WebBank, 
c/o OneMain Financial, Attn: Legal Department, P.O. Box 59, Evansville, IN 47701. 

ARBITRATION AGREEMENT AND WAIVER OF JURY TRIAL 

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  AND  WAIVER  OF  JURY  TRIAL  (“Arbitration  Agreement”) 
CAREFULLY AS IT AFFECTS YOUR RIGHTS.  IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING 
ARBITRATION.   ARBITRATION REPLACES THE RIGHT TO GO TO COURT.   YOU  WILL NOT BE  ABLE TO  BRING  A 
CLASS  ACTION  OR  OTHER  REPRESENTATIVE  ACTION,  NOR  WILL  YOU  BE  ABLE  TO  BRING  ANY  CLAIM  IN 
ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION.  YOU WILL NOT BE ABLE TO BE PART 
OF  ANY  CLASS  ACTION  OR  OTHER  REPRESENTATIVE  ACTION  BROUGHT  BY  ANYONE  ELSE,  OR  BE 
REPRESENTED  IN  A  CLASS  ACTION  OR  OTHER  REPRESENTATIVE  ACTION.  IN  THE  ABSENCE  OF  THIS 
ARBITRATION  AGREEMENT,  YOU  AND  WE  MAY  OTHERWISE  HAVE  HAD  A  RIGHT  OR  OPPORTUNITY  TO  BRING 
CLAIMS  IN  A  COURT,  BEFORE  A  JUDGE  OR  JURY,  AND/OR  TO  PARTICIPATE  OR  BE  REPRESENTED  IN  A  CASE 
FILED  IN  COURT  BY  OTHERS  (INCLUDING  CLASS  ACTIONS  AND  OTHER  REPRESENTATIVE  ACTIONS).  OTHER 
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL 
THE DECISION MAY BE MORE LIMITED. EXCEPT AS OTHERWISE PROVIDED BELOW, THOSE RIGHTS ARE WAIVED. 

DESCRIPTION OF ARBITRATION.  Arbitration is a method of resolving claims and disputes between parties without having 
to file a lawsuit in court. It is a process in which both sides present their case to a neutral third person--the arbitrator--instead 
of a judge or jury, to resolve the dispute.  

WAIVER OF JUDGE OR JURY TRIAL.  UNDER THIS AGREEMENT, BOTH WE AND YOU ARE VOLUNTARILY WAIVING 
ANY RIGHT TO A JURY TRIAL OR JUDGE TRIAL OF ALL CLAIMS AND DISPUTES COVERED BY THIS ARBITRATION 
AGREEMENT TO THE FULLEST EXTENT PERMITTED BY LAW. 

CLAIMS  AND  DISPUTES  COVERED.  Except  for  those  claims  mentioned  below  under  the  heading  "MATTERS  NOT 
COVERED BY ARBITRATION," either You or We may, without the other’s consent, elect to resolve all claims and disputes 
between us arising from or relating in any way to this Agreement ("Covered Claims") by binding arbitration. Covered Claims 
include, but are not limited to, all claims and disputes arising out of, in connection with, or relating to: 

This Agreement with Us; any rewards terms or other terms associated with the Account; any previous retail credit 
agreement  ("Retail  Contract")  assigned  to  Us  and  any  previous  loan  from  or  assigned  to  Us,  whether  any  of  the 
foregoing may be open-end or closed-end; all documents, promotions, advertising, actions, or omissions relating to 
the  Account  or  any  previous  loan  or  Retail  Contract  made  by  or  assigned  to  Us;  any  insurance  product,  service 
contract, membership plan or warranty purchased in connection with this or any previous loan or Retail Contract made 
by or assigned to Us; any product or service offered to our customers with any assistance or involvement  by Us; 
whether the claim or dispute must be arbitrated; the validity, enforceability, and scope of this Arbitration Agreement 
(except as expressly set forth in subsection G. below) and the Agreement, my understanding of them, or any defenses 
as  to  the  validity,  scope,  and  enforceability  of  this  Arbitration  Agreement  and  the  Agreement;  any  negotiations 
between You and Us; the closing, servicing, collecting, or enforcement of any transaction covered by this Arbitration 
Agreement; any allegation of fraud or misrepresentation; any claim based on or arising under any federal, state, or 
local law, statute, regulation, ordinance, or rule; any claim based on state or federal property laws; any claim based 
on the improper disclosure of any information protected under state or federal consumer privacy laws; any claim or 
dispute based on any alleged tort (wrong), including intentional torts; any claim for damages or attorneys’ fees; and 
any claim for injunctive, declaratory, or equitable relief. 

COVERED CLAIMS AGAINST THIRD PARTIES. This Arbitration Agreement also covers any claim or dispute between me 
and  any  of  Lender's  parent  corporation(s),  subsidiaries,  employees,  officers,  agents,  directors,  affiliates,  licensees, 
predecessors,  assigns,  and  any  purchaser  of  your  account  or  any  interest  therein,  and  all  of  their  officers,  directors, 
employees, agents, and assigns or any and all of them.  Additionally, “we,” “us” and “our” shall include any originator or later 
holder of this Agreement or any interest in your Account, as well as any third party providing benefits, services, or products in 
connection with your Account, including but not limited to any entities which provided insurance in connection with this or any 
previous transactions between me and Lender; any third parties that assigned Retail Contracts or other agreements to Lender; 
any third party that provides me any product or service which I purchased with the assistance or involvement of Lender.  This 
Arbitration Agreement also covers any claim or dispute between me and; any of the employees, officers, agents, or directors 
of any of the foregoing third parties.  

MATTERS NOT COVERED BY ARBITRATION. You agree that We do not have to initiate arbitration before exercising lawful 
self-help remedies or judicial remedies of  garnishment, repossession, replevin or foreclosure, but  instead  may proceed  in 
court for those judicial remedies. You may assert in court any defenses You may have to Our claims in such a lawsuit, but 
any  claim  or  counterclaim  for  rescission  or  damages  You  may  have  arising  out  of,  relating  to,  or  in  connection  with  Our 
exercise of those remedies must be arbitrated. Instead of pursuing arbitration, either You or We also have the option to bring 

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a lawsuit in court to seek to recover the monetary jurisdictional limit of a small claims or equivalent court in Your state (including 
costs  and  attorneys’  fees),  provided  that  no  relief  other  than  such  recovery  is  requested  in  such  lawsuit  (an  "Excluded 
Damages Lawsuit"). If an Excluded Damages Lawsuit is filed, the other party cannot require that the claims in that lawsuit be 
arbitrated. An Excluded Damages Lawsuit can be brought to recover money for You or Us only, not for any class or group of 
persons having similar claims. If such an Excluded Damages Lawsuit is filed by You or Us, and any party to that lawsuit files 
an  amendment,  counterclaim,  cross-claim,  or  third-party  claim  seeking  to  recover  more  than  my  state’s  small  claims  or 
equivalent  court’s  monetary  jurisdictional  limit,  then  that  claim,  counterclaim,  cross-claim,  or  third-party  claim  must  be 
arbitrated in accordance with the procedures set forth in this Arbitration Agreement. Neither you nor we shall be deemed to 
have  waived  any  arbitration  rights  by  the  fact  of  having  exercised  any  self-help  or  judicial  remedies  of  garnishment, 
repossession, replevin or foreclosure or by having filed in court an Excluded Damages Lawsuit. 

REMEDIES.  Except as provided below in the section entitled “CLASS AND REPRESENTATIVE ACTION WAIVER,” the 
arbitrator is authorized to  award any damages or other relief  available  to an individual claimant under applicable  law. For 
avoidance of doubt, you may seek public injunctive relief in arbitration, and the arbitrator is expressly authorized to award 
public injunctive relief if it is warranted under the law. 

CLASS AND REPRESENTATIVE ACTION WAIVER.  By agreeing to this Arbitration Clause, you agree that neither you nor 
we will have the right to (i) participate in a class action or other representative action in court or in arbitration, either as a class 
representative, class member or class opponent; or (ii) join or consolidate your Covered Claims involving you with Covered 
Claims involving any other person.  As explained in the “REMEDIES” section above, this waiver does not limit your right to 
seek public injunctive relief in arbitration if it is warranted under the law. 

GOVERNING LAW.  The Federal Arbitration Act (9 U.S.C. §§ 1-16) (“FAA”) governs the interpretation and enforcement of 
this  Arbitration  Agreement.    For  avoidance  of  doubt,  you  and  we  agree  that  in  the  event  there  is  a  dispute  over  the 
enforceability or scope of this Arbitration Agreement, the FAA’s substantive and procedural provisions will govern that dispute. 

SURVIVAL AND SEVERABILITY.  This Arbitration Agreement shall survive the full payment of any amounts due under this 
agreement; any rescission or cancellation of this Agreement; any exercise of a self-help remedy; our sale or transfer of this 
Agreement (in whole or in part) or our rights under this Agreement; any legal proceeding by us to collect a debt owed by you; 
and your (or our) bankruptcy.  If any part of this Arbitration Agreement is declared unenforceable, then you and we agree that 
such specific part or parts shall have no force or effect and shall be severed, but the remainder of this Arbitration Agreement 
shall continue in full force and effect.  If, however, the section setting forth the waiver of the right to bring or participate in a 
class or representative action is found to be unenforceable, then the entire Arbitration Agreement shall be null and void with 
respect to the particular Covered Claim in connection with which such a finding was made.  The determination of the validity 
of the enforceability of the class and representative action waiver is to be made by the court and not the arbitrator. 

AMENDMENTS TO THE ARBITRATION AGREEMENT.  Section 1.D of the Agreement does not apply to this Arbitration 
Agreement.  Instead, the following terms apply to amendment of this Arbitration Agreement.  You and we agree that we have 
the  right  to  amend  this  Arbitration  Agreement,  and  that  if  we  make  any  amendment  to  this  Arbitration  Agreement,  that 
amendment  shall  be  effective  upon  our  provision  of  written  notice  to  you.    We  will  notify  you  of  the  amendments  to  this 
Arbitration Agreement either by mail to your address on file with us, or by email to your email address on file with us (if any).  
You agree that notice by mail or by email is sufficient, and that we do not need to provide notice by both mail and email.  Any 
amendment to the Arbitration Agreement shall not apply to any Covered Claim against us that accrued prior to the effective 
date  of  the  amendment.    Instead,  the  amendment  shall  apply  to  all  other  Covered  Claims  that  have  arisen  or  may  arise 
between you and us.  If you do not agree to the amended terms, you may reject the amended Arbitration Agreement and you 
will not be bound by it.  To reject the amended terms, you must send us written notice of your rejection within 30 days after 
the date we provided notice of the amendment. You must include your name, address, and account number. The notice of 
rejection must be mailed to WebBank, c/o OneMain Financial, Attn. Legal Department, P.O. Box 981037, Boston, MA 02298-
1037.  This is the only way that you can reject amendments to this Arbitration Agreement. 

ARBITRATION RULES AND PROCEDURES. 

A.  ARBITRATION FORUM AND RULES. The arbitration will be conducted under the rules and procedures of the American 
Arbitration  Association  (“AAA”)  in  effect  at  the  time  arbitration  is  started  and  under  the  rules  set  forth  in  this  Arbitration 
Agreement. At my request, Lender will provide me a copy of the AAA Consumer Rules (“Rules”). I may also obtain a copy of 
those Rules by calling AAA at 1-800-778-7879 or by reviewing AAA’s web-site at http://www.adr.org/consumer. In the event 
that AAA is either unable, unwilling, or deemed not appropriate by a court to resolve a Covered Claim, or I object to the AAA 
for good cause, then Lender and I agree to submit all disputes to Judicial Arbitration and Mediation Services, Inc. (“JAMS”) 
for proceedings conducted pursuant to JAMS’ Comprehensive Arbitration Rules. If there is a conflict between the rules of the 
AAA (or JAMS) and this Arbitration Agreement, this Arbitration Agreement will govern. If both of the designated arbitration 
forums cannot or will not administer the arbitration and the Lender and I cannot reach an agreement on a substitute, it remains 
Lender’s and my intent that Covered Claims be arbitrated and that a court appoint an arbitrator pursuant to 9 U.S.C. § 5. Any 
court-appointed arbitrator must be an actively-licensed attorney or retired judge who has been in good standing with the bar 
for at least ten years. 

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B.  SELECTION  OF  ARBITRATOR.  AAA  (or  JAMS)  maintains  lists  of  approved  arbitrators.  AAA  (or  JAMS)  will  provide 
Lender and me each a list of seven possible arbitrators. We and You will each have an opportunity to strike three persons 
from that list. You will make the first strike, and We and You will alternate in making strikes after that. After the last strike, the 
remaining person shall then serve as arbitrator. 

C.  STARTING ARBITRATION. If You or We elect to arbitrate a Covered Claim, the electing party must notify the other party 
in writing. This notice can be given after the beginning of a lawsuit and can be given by way of a motion or other papers filed 
in the lawsuit. Otherwise, your notice must be sent to Us at the address shown for Us in this Agreement, unless You have 
received notice of a new address for Lender or agent. Except as described below, nothing in this Arbitration Agreement shall 
limit the arbitrator's ability to enforce any of my rights or impose any remedies available to me under any applicable consumer 
protection laws or regulations. To start an arbitration, You and We agree to follow the rules of the applicable arbitration forum 
(i.e., AAA, or JAMS). 

D.  COSTS OF ARBITRATION.  The AAA (or JAMS) charges certain fees in connection with arbitration proceedings. Except 
in Texas, You may have to bear some of these fees; however, if You are not able to pay such fees or think they are too high, 
We will consider any reasonable request to bear the cost. Lender will also bear any costs Lender is required to bear by law 
or by the terms of any other agreement with me. To the extent permitted by law, each party will also pay for its own costs, 
including fees for attorneys, experts, and witnesses, unless otherwise provided by the terms of any other agreement between 
the parties. 

E.  CONDUCT  AND  LOCATION  OF  PROCEEDINGS.  The  arbitrator  shall  be  bound  by  the  Federal  Rules  of  Evidence; 
however,  the  federal  or  any  state  rules  of  procedure  or  discovery  shall  not  bind  the  arbitrator.  The  arbitrator's  findings, 
reasoning, decision and award shall be set forth in writing and shall be based upon and be consistent with the law of the 
jurisdiction that applies to the loan or other agreement between Lender and me. The arbitrator must abide by all applicable 
laws protecting the attorney-client privilege, the attorney work product doctrine, or any other applicable privileges.  If an in-
person  arbitration  hearing  is  necessary,  the  hearing  will  take  place  in  a  location  that  is  reasonable  convenient  for  you  as 
determined by the arbitrator. 

F.  ENFORCEMENT AND APPEAL OF DECISION. The right to appeal is more limited in arbitration than in court and other 
rights available in court may not be available in arbitration.  The decision and judgment of the arbitrator shall be final, binding 
and enforceable in any court having jurisdiction over the parties and the dispute; however, for Covered Claims resulting in an 
award of $100,000 or more (including costs and attorneys’ fees) or claims involving public injunctive relief, any party may 
appeal the award, at its own cost, except as provided by law, to a three-arbitrator panel appointed by the AAA (or JAMS). 
That panel will reconsider from the start any aspect of the initial award that either party asserts was incorrectly decided. The 
decision of the panel shall be by majority vote and shall be final and binding, except as provided below. The arbitrator's (or 
panel's) findings, decision and award shall be subject to judicial review on the grounds set forth in 9 U.S.C. § 10, as well as 
on the grounds that the findings, decision and award are manifestly inconsistent with the terms of this Arbitration Agreement 
and any applicable laws or rules. 

G.  LIMITATION OF PROCEEDINGS. You and We agree that the arbitrator will be restricted to resolving only the claims, 
disputes or controversies between Lender and me and the other parties covered by this particular Agreement (and not by 
similar agreements). Arbitration is not available and shall not be conducted on a class-wide basis or consolidated with other 
claims or demands of other persons.  

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ADDITIONAL NOTICES AND DISCLOSURES—EXHIBIT B 

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Periodic Statement 

If you think there is an error on your statement, write to us at: 

WebBank c/o OneMain Financial 

P.O. Box 981037 

Boston, MA 02298-1037 

In your letter, give us the following information: 

•  Card 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, but if you do we are not required to investigate any 
potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 
have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 
correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question or report you as delinquent on that amount. 

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to  charge  you  interest  on  that 

amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 
amount. 

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount you owe and the date 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 

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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: 

WebBank c/o OneMain Financial 

P.O. Box 981037 

Boston, MA 02298-1037 

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. 

State Notices 

Notice  to  Delaware  and  Oregon  Residents:  Service  charges  not  in  excess  of  those  permitted  by  law  will  be 
charged on the outstanding balance from month to month. You may pay more than the minimum payment due, up 
to your entire balance, at any time. 

Notice to Iowa, Missouri, Nebraska, And Texas Residents: Oral agreements or commitments to loan money, 
extend credit or forbear from enforcing repayment of debt, including promises to extend or renew such debt, 
are not enforceable. To protect you and us from any misunderstanding or disappointment, any agreements 
we reach covering such matters are contained in this writing, which is the complete and exclusive statement 
of the agreement between us, except as we may later agree in writing to modify it. 

Notice to Massachusetts Residents: Massachusetts law prohibits discrimination based upon marital status or 
sexual orientation. 

Notice to New Jersey Residents: The section headings of this Agreement are a table of contents and not contract 
terms. Portions of this Agreement with references to actions taken to the extent of applicable law apply to acts or 
practices that New Jersey law permits or requires. In this Agreement, acts or practices by us (1) that are or may be 
permitted by “applicable law” are permitted by New Jersey law and (2) that may or will be taken unless prohibited by 
“applicable law” are permitted by New Jersey law. 

Notice to Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with 
this application, or subsequently for purposes of review or collection of the Account, increasing the credit line on 
the Account, or other legitimate purposes associated with the Account. If you are a Vermont resident, you consent 
to the obtaining of such reports by signing or otherwise submitting a credit application. 

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