REVISED  10-01-2020         EE-MA04-W   
� 1990 -2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplicatio n of this document without the copyright owner�s prior written consent is strictly prohibited.       Page 1 of 5  RETAIL CHARGE AGREEMENT/ SECURITY AGREEMENT  
Preferred Credit, Inc. � 628 Roosevelt Road, St. Cloud, MN 56301    ZIP Line: 877 -878-1079    Customer Service: 800 -972-0825  EE-MA04-W 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and 
money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that i dentif ies each person who opens an 
account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other inf ormation that will allow us to 
identify you. We may also ask to see your driver's license or other ide ntifying documents.  
DATE:  PCI ACCOUNT NO.  
BUYER:  CO-BUYER:  
By your initials below, you certify that the information provided above 
is true and correct.  
Buyer  By your initials below, you certify that the information provided above 
is true and correct.  
Co-Buyer  
SELLER:  SALE:  
Sales Representative :
PCI Client No.:  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  17.99%.  
How to Avoid Paying Interest  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.      
Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.50. 
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 Fi nancial Protection Bureau at http://www.consumerfinance.gov/learnmore.  
Fees  
Transaction Fees  None.  
Penalty Fees  
�Late Payment
�Return PaymentThe lesser of $10 or 10% of the part of the payment that is late. 
No Return Payment fee will be charged.  
How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).�   
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agre ement.  
1.Definitions:  In this Retail Charge Agreement ("Agreement"):   The word "Account" refers to the account that is established with the Seller, and their
successors or assigns, that is the subject of this Agreement. The words "you" and "your" refer to each individual who signs the Application for the Account,
and who is authorized to use the Account. The words "we", "us" and "our" refer to the Seller, and any assignee of the Seller.  The words �Acceptable
Documentation� shall refer to Charge Sli ps, phone orders, or orders from our website, so long as such orders are signed (physically or electronically) o r
otherwise verbally or electronically authenticated. The words "Applicable Law" shall mean federal law and the laws of the Com monwealth of Mass achusetts.
You and we agree that these Applicable Laws apply to this Agreement. The words �Charge Slip� refer to the document describing  the type, quantity and
agreed price of merchandise you buy from the Seller.
2.Account : This Agreement applies to your  retail charge purchase of goods and services from us. The amount of your initial purchase from Seller wil l
govern the amount of the initial credit limit on your Account, which will be set at a higher amount than the cost of the good s purchased based on ou r
expectation that you will use the Account to make additional purchases. You may make add -on purchases from the Seller or Seller's assigns which will be
evidenced by Acceptable Documentation. Acceptable Documentation must provide the cash price of the mer chandise purchased. By signing future
Acceptable Documentation you agree those purchases thereby confirmed will be subject to this Agreement. You agree that add -on orders which exceed the
credit limit established with your initial order are subject to cred it approval. We reserve the right to deny authorization for any requested credit limit increase.
3.Promise to Pay : In return for extending credit to you on this Account from time to time, each of you agrees to pay for all purchases any of y ou charge on
this Account, and all other charges mentioned below, according to the terms of this Agreement. When you sign the Application fo r this Account, you will be
agreeing to the terms and conditions in this Agreement, which include the cost of credit disclosures re quired by Applicable Law. This Agreement will not be
effective until we approve your Application, and we or our assignee provides any disclosures required by the Truth in Lending  Act, and then, after that, only if
you or someone authorized by you sign a Ch arge Slip or otherwise charge a purchase to this Account.
4.Billing : You will be billed monthly for credit purchases from us, as shown on a Charge Slip signed by you (or completed at your direct ion), and for any
previous unpaid balance as required by Appl icable Law. You will receive a monthly periodic statement of account for any month in which you have an
outstanding balance of more than $1.00 or on which an Interest Charge has been imposed. Your monthly periodic statement of ac count will show your ne w
unpaid balance, any new purchases you have made since your last monthly periodic statement of account, and your Minimum Monthly  Payment. Your credit
limit will also be shown on your monthly periodic statement of account.
5.Payment:  You have the right to p ay your entire balance in full or more than the Minimum Monthly Payment at any time.  Otherwise, you agree to
pay at least the Minimum Monthly Payment, which includes Interest Charges. You must make payment in U.S. Dollars, with a draf t, money order, or che ck
drawn on a U.S. Bank or the U.S. Post Office. We may accept late payment, partial payments, or any payments marked "payment i n full," without losing any
of our rights under this Agreement or Applicable Law.
6.Interest Charges:  Unless you are offered a  Promotional Credit Plan as described below, and as not prohibited by Applicable Law, Interest Charges wil l
begin to accrue upon delivery of the merchandise you purchase. Delivery occurs upon the earlier of the date of shipment of th e merchandise, or the d ate of
hand delivery of the merchandise. No Interest Charges will be imposed on new purchases, however, if: (a) there was no outstan ding balance under you r
Account at the beginning of the billing period in which the purchase was made (which includes the pe riod in which you make your initial purchase of
merchandise under this Agreement), and (b) you pay off your Account in full by the payment due date reflected in the monthly periodic statement of account
for that billing period (though no payment may be due ). We figure the Interest Charge on your Account by applying a daily periodic rate to the "average daily
 REVISED  10-01-2020         EE-MA04-W   
� 1990 -2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplicatio n of this document without the copyright owner�s prior written consent is strictly prohibited.       Page 2 of 5 balance" of your Account (including current transactions) and multiplying the result by the number of days in the billing per iod. To get the "average d aily 
balance" we take the beginning balance of your Account each day, add any new purchases, and subtract any payments or credits.  This gives us the daily 
balance. Then, we add up all the daily balances for the billing cycle and divide the total by the num ber of days in the billing cycle. This gives us the �average 
daily balance.� Your daily periodic rate and the corresponding Annual Percentage Rate are indicated on the chart below. The d aily periodic rate will be the 
annual rate divided by 365 (366 in a le ap year).  
Applicable 
Law Daily 
Periodic Rate  Corresponding  
ANNUAL PERCENTAGE RATE  By your initials below, you acknowledge 
Interest Charges will be imposed in 
amounts or rates not to exceed those in 
the chart to the left unless otherwise 
stated on your Charge Slip.  
Buyer    Co-Buyer  MA 0.0493%  17.99%  
Notwithstanding the above, if we receive payment in full of the outstanding balance of your Account, as shown on the billing statement, within 25 days after 
the end of that billing period, we will not impose Interest Charges for the current billing period.  
7.Minimum Monthly Interest Charge: As allowed by Applicable Law, if the Interest Charge that results from the application of the above stated daily
periodic rate (the "Calculated Interest Charge"), is less than $0.50, we will impose a minimum monthly INTEREST CHARGE  of $0.50.
8.Minimum Monthly Payment:  You will make payments of at least the total Minimum Monthly Payment ea ch month as required by our monthly period ic
statements of account. Your total Minimum Monthly Payment will consist of: (1) any past due amounts, and (2) a regularly sche duled Minimum Month ly
Payment. The regularly scheduled Minimum Monthly Payment will be  the greater of:  (a) $25; or (b) the highest regularly scheduled Minimum Month ly
Payment shown on any Charge Slip you execute, not to exceed 3.5% of the Account balance immediately following the first or an y subsequent purchase on
your Account.
9.Promoti onal Credit Plans :  In addition to purchases that accrue Interest Charges and require monthly payments as described previously in th is
Agreement, as part of this Account, Promotional Credit Plans may be offered from time to time on specific additional purchase s for qualified  buyers.
Purchases made under these Promotional Credit Plans may have different interest charge calculations and required minimum paym ents. A Promotiona l
Credit Plan is strictly limited by its terms and the terms and conditions of the special promotion to which it relates. In addition, the benefits of a Promotiona l
Credit Plan will expire and all accrued Interest Charges in these plans will be added to your Account if you fail to pay the promotional balance by the end of
the promotional period or you are in  default for a period of 60 or more days during the promotional period. The special promotions that may be offered
include:
9.a. Same as Cash Plan :  If you pay the full purchase price before the expiration date of a Same as Cash Plan, as indicated on your monthly periodic
statement of account, and pay the Minimum Monthly Payment each billing period when due, no Interest Charges will be imposed o n the purchase. If such
payments are not made, Interest Charges from the date of delivery will be added to your Ac count either when you fail to make a payment within 60 days of
the due date or, at the end of the Same as Cash Plan period if any portion of the promotional balance remains outstanding.
9.a.1 How Payments Are Applied When Same as Cash Plan Is In Effect : Unless otherwise required by Applicable Law, during the two billing cycles
immediately preceding expiration of the Same as Cash Plan period, any amount paid in excess of the minimum payment due will b e allocated first to the
balance subject to the Same as C ash Plan and any remaining portion to any other balances.  We may offer Same as Cash Plan periods of 6 months, 9
months, 12 months or of different lengths that we will announce from time to time.
10.Application of Payments:  Unless otherwise required by A pplicable Law, payments except down payments, shall be applied first to past due Minimu m
Monthly Payments, beginning with the oldest, then to the current Minimum Monthly Payment, and then to other unpaid late fees,  costs and fees arising unde r
this Agreeme nt.
11.Other Charges
11.a.  Late Fees: You will pay the maximum late fee allowed (which you agree we will add to the balance due on your Account) for payments not m ade on
time, calculated as Applicable Law allows. The statutory time period for imposition  of a Late Fee is 15 days after the due date (�Due Date�) for each payment
not received on the scheduled Due Date. Currently, the maximum late fee allowed is 10% of the part of the payment that is lat e or $10, whichever is less.
Notwithstanding the precedi ng provisions, you will not be charged more than the amount of the required minimum periodic payment due immediately prior to
the assessment of the late payment fee.
12.Security Agreement : You grant us a purchase money security interest in each household good purchased with this Account (�Goods�) to the full extent
not prohibited by Applicable Law (including the Uniform Commercial Code  which may require that we sign, file or record one or more UCC financing
statements, fixture filings or other documents to  perfect or otherwise protect this security interest ).  You will, on request, take all reasonable actions
requested by us to preserve and protect the Goods and our security interest in the Goods. You also agree to take all reasonab le actions requested by u s to
establish, determine the priority of, perfect, continue the perfection of, terminate or enforce our security interest in the Goods and our rights under this
Agreement.  In addition to other rights we may have under this Agreement, if you do not make p ayments as agreed, this security interest allows us to take
actions not prohibited by Applicable Law governing security interests in the Goods. You also agree to keep the Goods installe d at the address you provided
in your credit application and to not rem ove or alter the Goods without our prior written consent. You may lose the Goods if you do not meet your obligations
to us under this Agreement. We have not (and will not) take any security interest to secure repayment of obligations under th is Agreement a part from an
interest in goods as set forth herein, even when a financing statement is filed. Accordingly, we do not maintain any interest  in your dwelling or real property
and waive any right we (or our assignee) may have to foreclose on real property pur suant to any applicable real property foreclosure laws.
13.Default:  We may declare the full remaining balance immediately due and payable (subject to any notice required by Applicable Law) if w e do not receive
one or more installment payments as required  by this Agreement, or if an event occurs that substantially impairs the value of the merchandise in which we
have a security interest (see paragraph 12 above).  We may also repossess any article of merchandise in which we retain a sec urity interest if we do so
peacefully and the law allows it.  Notwithstanding the preceding provisions, in the event of a late payment or nonpayment, we  will not declare the fu ll
remaining balance immediately due and payable or repossess any article of merchandise if, within t en days of the date on which the installment was due, we
receive payment together with any late fees. If you fail to pay within 15 days of the due date, we may, at our option, declar e the full remaining balance
immediately due and payable, to the extent pe rmitted by Applicable Law. Unless we are required by Applicable Law to provide you a notice of a right to cure,
you agree that we do not have to give you notice that we intend to demand or are demanding immediate payment of all you owe. If the Account is r eferred to
an attorney who is not our salaried employee and we bring suit against you to collect the amount you owe and we are the preva iling party, you agree to pay
our reasonable attorneys� fees and court costs as not prohibited by Applicable Law. You al so agree to pay our collection costs and costs incurred in taking
the collateral, holding it, and selling it, as not prohibited by Applicable Law.
14.Canceling or Reducing Your Credit Limit:  We have the right at any time  to limit or terminate the use of  your Account and raise or lower your credit
limit without giving you advance notice. Some purchases will require prior authorization, in which case you may be asked to p rovide identification. If ou r
authorizations system is unavailable, we may not be able  to authorize a transaction, even if you have sufficient credit. We will not be liable to you if th is
happens. We are not responsible for the refusal of anyone to accept or honor an addition to this Account. In addition, even i f you cancel the use of you r
Account, you are still responsible for any Account balances incurred by an authorized user that remain unpaid.
15.Change in Terms: You agree that we may amend the terms of this Agreement, subject to any notice required by Applicable Law. To the extent not
prohibited by Applicable Law, any new terms may be applied to any balance existing on the Account at the time of the change, as well as subsequent
transactions.
16.No Verbal Modifications: You agree that we are not bound by any verbal agreements or verba l modifications to this Agreement.
17.Home Sale Disclosure Laws:  Home Sale Disclosure laws govern this transaction.  The Home Sale Disclosure law applicable to this Agreement is REVISED  10-01-2020         EE-MA04-W   
� 1990 -2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplicatio n of this document without the copyright owner�s prior written consent is strictly prohibited.       Page 3 of 5 Mass. Gen. Laws ch. 93 � 48.  
18.Delay in Taking Action:  We will not lose any of our rights under this Agreement if we delay taking action for any reason. To the extent not prohibited by
Applicable Law, we may take other action not described in this Agreement, and by doing so will not lose our rights under this  Agreement.
19.Severability :  If any provision of this Agreement is found to be unenforceable, all other provisions shall remain in full force and effec t.
20.Telephone Recording:  You understand and agree that for our mutual protection, we may electronically record any of  your telephone conversations
conducted with Seller or Seller's assigns, including Preferred Credit, Inc. (PCI), without further notice to the parties to s uch conversations.  These telephone
conversations include all conversations between you and Seller or  Seller's assigns communicated via traditional telephone wire and wireless devices such as
cordless and cellular phones.  You acknowledge and consent to the retention of and use of such recordings by Seller or Seller 's assigns, their employees,
representat ives and agents of all information and data obtained in any recorded conversation for purposes of settling disputes as well a s for ongoing quality
assurance programs.
21.Communications: You expressly authorize us or our agents to contact you at any phone number (including mobile, cellular/wireless, or similar devices ),
fax number, or email address, you provide at any time, for any lawful purpose. The ways in which we may contact you include l ive operator, automat ic
telephone dialing systems (auto -dialer), prerecorded message, text message, fax, or email. Such lawful purposes include, but are not limited to: obtaining
information; account transactions or servicing -related matters; suspected fraud or identity theft; collection on the Account; and providing in formation about
special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from u s or outgoing
communications to us, to or from any such number, or email address, without reimbursement from us.
22.Credit Investigation and Reporting: You agree that we may investigate your credit in connection with the initial extension, review, or collection of you r
Account.  You agree that we may examine employment and income records, verify your credit references , and report to credit reporting agencies,
merchants, and other creditors the status and payment history of your Account.  A negative credit report may be submitted to a credit reporting agency if you
fail to fulfill the terms of your credit obligations.
ARBITRATION PROVISION  
This Arbitration Provision significantly affects your rights in any dispute with us. Please read this Arbitration Provision c arefully before you sign 
it. 
1.EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRA TION AND NOT IN COURT.
2.IF A DISPUTE IS ARBITRATED, YOU AND WE WILL EACH GIVE UP OUR RIGHT TO A TRIAL BY THE COURT OR A JURY TRIAL.
3.IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON
ANY CLASS CLAIM YOU MAY HAVE AGAINST US.
4.THE INFORMATION YOU AND WE MAY OBTAIN IN DISCOVERY FROM EACH OTHER IN ARBITRATION IS GENERALLY MORE LIMITED THA N
IN A LAWSUIT.
5.OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATI ON.
6.EVEN IF A DISPUTE IS ARBITRATED, WE CAN STILL REPOSSESS YOUR MERCHANDISE IF YOU DO NOT HONOR YOUR AGREEMENT AND
YOU OR WE MAY SEEK PROVISIONAL REMEDIES FROM A COURT.
Any claim or dispute, whether in contract, tort or otherwise (including the interp retation and scope of this clause and the arbitrability of any issue), between 
you and us or our employees, agents, successors or assigns, which arises out of or relates in any manner to the purchase and financing of the merchandise 
under the Agreement or any resulting transaction or relationship (including any such relationship with third parties who do not sign the Agreement) shall, at 
your or our election (or the election of any such third party), be resolved by neutral, binding arbitration and not by a court action. Any claim or dispute is to 
be arbitrated on an individual basis and not as a class action, and you expressly  waive any right you may have to arbitrate a class action (this is 
called the "class action  waiver") . You may choose the applicable rules of either the American Arbitration Association (1 -800-778-7879), JAMS (800 -352-
5267) or any other nationally recognized arbitration organization, subject to our approval, and if the arbitration organizati on selected by you is unwilling to 
serve, we shall select the arbitration organization. We waive the right to require you to arbitrate an individual (as opposed  to a class) claim if the amount you 
seek to recover, including attorneys' fees and expenses, is less than $7,500 or the maximum ju risdiction the venue of a state court providing for the 
resolution of small claims. You may obtain a copy of the rules of these organizations by calling the numbers indicated or by visiting their web sites.  
The arbitrators shall be attorneys or retired ju dges and shall be selected in accordance with the applicable rules. The arbitration award shall be in writing, 
but without a supporting opinion. The arbitration hearing shall be conducted in the federal district in which you reside. If you demand arbitrati on first, you will 
pay one half of any arbitration filing fee. We will pay the rest of the filing fee, and the whole filing fee if we demand arb itration first or if the arbitrator 
determines that applicable law requires us to do so or that you are unable t o do so or that we must do so in order for this Arbitration Provision to be 
enforceable. We will pay the arbitration costs and fees for the first day of arbitration, up to a maximum of eight hours. We will also pay any fees and 
charges that the arbitrator  determines that we must pay in order to assure that this Arbitration Provision is enforceable . The arbitrator shall decide 
who shall pay any additional costs and fees.  
The arbitrator's award shall be final and binding on all parties, except in the event w here either there is a �take nothing� award or the award is in excess of 
$100,000 either party may request a new arbitration under the rules of the arbitration organization by a three -arbitrator panel.  
This Arbitration Provision relates to a contract that  evidences a transaction involving interstate commerce. Any arbitration under this Arbitration Provision 
shall be governed by the Federal Arbitration Act (9 U.S.C. �� 1 et seq.). If a court should determine that the transaction di d not involve interstate c ommerce, 
the parties agree that this Arbitration Provision shall be governed by state law.  
If any part of this Arbitration Provision other than the Class Action Waiver is found by a court or arbitrator to be unenforc eable, the remainder shall be 
enforceab le. This Arbitration Provision shall survive the termination of any contractual agreement between you and us, whether by defa ult or repayment in 
full. 
You may elect to opt -out of the arbitration provision only by notifying us in writing at Preferred Credi t, Inc., 628 Roosevelt Road, St. Cloud, MN 56301 within 
30 days from the date in which you signed this Agreement, and including in the notice your name, address and account number a nd a clear statement that 
you do not wish to resolve disputes through arbit ration. No one else may sign the rejection notice for you. Your rejection notice also must not be sent with 
any other correspondence. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement . If you reject arbitra tion, neither 
you nor we will be subject to the arbitration provisions for this Agreement. Rejection of arbitration for this Agreement will  not constitute rejection of any prior 
or future arbitration provision between you and us.   REVISED  10-01-2020         EE-MA04-W   
� 1990 -2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplicatio n of this document without the copyright owner�s prior written consent is strictly prohibited.       Page 4 of 5 NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD 
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY 
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID B Y THE DEBTOR HEREUNDER.  
NOTICE TO BUYER: 
(1)Do n ot sign this agreement if any of the spaces intended for the agreed terms are left blank.
(2)You are entitled to a copy of this agreement at the time you sign it.
(3)You may at any time pay off the full unpaid balance under this agreement.
(4)You may under certain circumstances redeem the property, if repossessed because of your default, and you may, under certa in conditions ,
require a resale of the property if repossessed.
(5)The seller has no rig ht to unlawfully enter your premises or commit any breach of the peace to repossess goods purchased under this
agreement.
(6)You may cancel a purchase under this agreement if it has been signed by a party thereto at a place other than the address  of the s eller whic h
may be his main office or branch thereof; provided you notify the seller in writing at his main office or branch, by ordinary  mail posted, by
telegram sent or by delivery, not later than midnight of the third business day following a purchase u nder this agreement.
Your signature(s) below mean that (a) you have read and understand the terms and conditions as set forth on all pages of this  Agreement; (b) you 
agree to the terms of this Agreement; (c) you will pay any advances made under this Agree ment according to its terms and (d) you have received 
a completely filled in copy of this Agreement. Keep this Agreement to protect your legal rights.  
BUYER:  BUYER SIGNATURE:  
CO-BUYER :  CO-BUYER SIGNATURE:  
SELLER:  SALE: 
Sales Rep:     
PCI Client No.:            SELLER  SIGNATURE:  
Your Billing Rights. Keep This Notice For Future Use. This notice contains important information about your rights and our re sponsibilities under 
the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Statement  
If you think there is an err or on your statement, write to us at: Preferred Credit, Inc., 628 Roosevelt Road, St. Cloud, MN 56301 . 
In your letter, give us the following information:  
� Account information :  Your name and account numbe r.
� Dollar amount :  The dollar amount of the suspect ed erro r.
� 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 d ays 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 t ell 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 correc t.
While we investigate whether or not there has been an error:  
� We cannot try to c ollect the amount in question, or report you as delinquent on the 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 responsib le 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 othe r 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 the 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 a s delinquent without also reporting that you are questioning your bill.  We must tell you the name of anyone to whom we repor ted 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 Account Purchases :  REVISED  10-01-2020                                                                                                                                                                                                                                                               EE-MA04-W                                                                                                                                                                                                                                                                                                                                                                                                                                                    
� 1990 -2020 Preferred Credit, Inc.  ALL RIGHTS RESERVED.  Duplicatio n of this document without the copyright owner�s prior written consent is strictly prohibited.                                      Page 5 of 5 If you are dissatisfied with the goods or services that you have purcha sed with your Account 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 Account for the purchase.  Purchases made with cash advances from an ATM or with a check that accesse s your 
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: Preferred Cr edit, Inc., 628 Roosevelt Road, St. 
Cloud, MN 56301 . 
 
While we investigate, the same rules apply to the disputed amount as discuss ed 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.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
THIS DOCUMENT IS SUBJECT TO A SECURITY INTEREST IN FAVOR OF US BANK NATIONAL ASSOCIATION.  
  ASSIGNMENT � OFFICE USE ONLY  
Assignment by Seller: For Value Received: Seller sells and assigns this Retail Charge Agreement (the �Agreement�) to Preferred Credit, Inc., 628 
Roosevelt Road, St. Cloud, MN 56301, the assignee, its successors and assigns, including all of Seller�s rights , title, and interest in this Agreement. 
Assignee has full power to take all legal and other actions, which Seller could have taken under this Agreement. The undersig ned acknowledges that this 
Assignment incorporates by reference the terms of the Finance A greement between the undersigned and Preferred Credit, Inc. including but not limited to 
the representations, warranties, liabilities, conditions and obligations of the undersigned contained therein.  
  
X 
(Corporate, Firm or Trade Name of Seller)   (Owner, Officer or Firm Member)