Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases  

22.98%. This APR will vary with the market based on the 
Prime Rate.  

Penalty APR and 
When it Applies  

28.99% 

This APR may be applied to your account if you fail to pay all 
or part of your minimum payment due by the payment due date 
for three consecutive billing periods.  

How Long Will the Penalty APR Apply?: If your APR is 
increased for this reason, the Penalty APR will apply until such 
time as any delinquency is cured and you then make six 
consecutive payments when due.  

How to Avoid 
Paying Interest on 
Purchases  

Your due date is 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your 
entire balance by the due date each month.  

If you are charged interest, the charge will be no less than $1.00  

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard.  

Minimum Interest 
Charge  

For Credit Card 
Tips from the 
Federal Reserve 
Board  

Fees  

Set up and 
Maintenance Fees  

•  Annual Fee   None  

Penalty Fees  

•  Late Payment   Up to $35  

•  Returned 
Payment  

Up to $25  

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance 
(including new purchases)." 
CHANGES. We may add, change or delete the terms of your Account and the corresponding Credit Card 
Agreement (including, but not limited to, Annual Percentage Rate and other significant changes). If notice 
is required, it will be mailed to you at least forty-five (45) days prior to the effective date of the change. 
Notice may also include a statement of your right to cancel the account prior to the effective date of the 
change.  

 
 
 
  
  
 
AN 

OPENING 

INFORMATION 

The information about the costs of the account described in this application is accurate as of December 
21, 2011. This information may have changed after that date. To find out what may have changed and for 
the current APR, please write us at World Financial Capital Bank (WFCB), PO Box 183003 Columbus, 
Ohio 43218-3003.  
You agree that a credit report may be used in making the credit granting decision. 
ACCOUNT 
ABOUT 
IMPORTANT 
To  help  the  government  fight  the  funding  of  terrorism  and  money  laundering  activities,  Federal  law 
requires all financial institutions to obtain, verify and record information that identifies each person who 
opens  an  account.  What  this  means  for  you:  When  you  open  an  account,  we  will  ask  for  your  name, 
address, date of birth or other information that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents.  
The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual  upon  request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this  law. 
California Residents: If you are married, you may apply for a separate account. New York Residents: A 
consumer  credit  report  may  be  ordered  in  connection  with  the  processing  of  an  application,  or 
subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of 
whether  or  not  a  consumer  credit  report  was  ordered,  and  if  it  was,  you  will  be  given  the  name  and 
address  of  the  consumer-reporting  agency  that  furnished  the  report.  Rhode  Island  and  Vermont 
Residents: A consumer credit report may be ordered in connection with the processing of an 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. Wisconsin Residents: No provision of 
any  marital  property  agreement,  unilateral  statement  under  Section  766.59  of  the  Wisconsin  statutes  or 
court order under Section 766.70 adversely affects the interest of the creditor, WFCB, unless the Bank, 
prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual 
knowledge of the adverse provision when the obligation to the Bank is incurred.  
I am applying to World Financial Capital Bank (WFCB) for, and hereby request, a Your Tuition Solution 
credit account for personal, family or household use. I hereby authorize WFCB to investigate my credit 
record.  The  information  that  I  have  supplied  is  true  and  correct.  I  acknowledge  that  I  am  a  permanent 
resident  of  the  United  States.  I  agree  that  a  credit  report  may  be  obtained  for  any  lawful  purpose, 
including in connection with the processing of an application, or subsequently with the update, renewal or 
extension of credit. Upon my request, I will be informed of whether or not a consumer credit report was 
ordered,  and  if  it  was,  I  will  be  given  the  name  and  address  of  the  consumer-reporting  agency  that 
furnished the report. I agree to be bound by the terms of the Credit Account Agreement. I acknowledge 
that  I  will  receive  a  Credit  Account  Agreement  upon  approval.  I  also  acknowledge  that  there  is  no 
agreement  between  WFCB  and  me  until  WFCB  approves  my  credit  application  and  accepts  the  Credit 
Account Agreement at its office in Utah and that the Credit Account Agreement is deemed to be made in 
Utah. Accounts are issued and credit is extended by WFCB, Salt Lake, Utah.  
PLEASE NOTE: 
BY  SUBMITTING  THIS  CREDIT  APPLICATION,  YOU  ARE  AGREEING  TO  THE 
FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU. 
You  hereby  authorize  World  Financial  Capital  Bank  ("us"  or  "we")  to  furnish  our  decision  to  issue  an 
account  to  you  to  Your  Tuition  Solution.  You  hereby  authorize  us  to  furnish,  if  your  application  is 
approved,  information  concerning  your  account  to  credit  bureaus,  other  creditors  and  Your  Tuition 
Soltuion.  Check  your  information  before  submitting.  We  cannot  process  any  submission  without  a 
complete  and  accurate  name,  address,  date  of  birth  and  social  security  number.  By  submitting  this 
Application you are acknowledging having read and understood the Important Rate, Fee and Other Cost 
Information and if approved, agreeing to be bound by them. 

 
 
 
 
************************************  
WORLD FINANCIAL CAPITAL BANK  
YOUR TUITION SOLUTION ACCOUNT AGREEMENT  
This is your Agreement with World Financial Capital Bank for customers of Your Tuition Solution 
through participating Your Tuition Solution Providers. It covers the use of your account with us. 
This Agreement may include information about promotional Credit Plans. Any information about 
such Plans will be included in the form of an insert, attachment, or other written information 
provided as part of or with this Agreement. Please read this Agreement and keep it for your 
records.  
1. Definitions. In this Agreement, “We,” “Us,” and “Our” mean World Financial Capital Bank. “You” 
and “Your” mean each person who signs an application for, or otherwise requests, an account with us. 
“Account” means your account with us. “Credit Plan” means one or more payment program options that 
Your Tuition Solution may ask us to offer from time to time.  
2. Your Promise to Us. 
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of 
you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if 
you sign a charge slip, or if you use or permit someone else to use the credit provided.  
Further you understand and agree that:  

•  Bank's relationship with you is solely one of Account Provider/Accountholder;  
•  Bank is not liable for any negligence or other acts of any Provider of medical goods or services 

contemplated under this Account;  

•  Bank is not liable for the quality of any good or service purchased using the Account;  
•  Bank is not affiliated with any provider of medical goods or services;  
•  Bank does not endorse any provider, good or service;  
•  Bank does not provide, nor does its extension of credit constitute, medical or other type of advice 

or counsel.  

B. If the Account is a joint Account, you and the joint Account holder each will be bound by this 
Agreement and each of you will be jointly and individually responsible for repaying all amounts due 
under this Agreement.  
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this 
Agreement. If you want to cancel the authorized or permitted use of your Account by another person, you 
may either write us at the address or call us at the telephone number shown on your Statement. You 
understand and agree that we will be unable to determine whether any particular transaction on your 
Account has been conducted by you, your joint Account holder or the authorized user or if the transaction 
by the authorized user was indeed authorized by you or made for your benefit. You agree to pay for all 
transactions made on your Account by an authorized user whether or not such transactions were in fact 
duly authorized by you or made for your benefit. 
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to 
be immediately due and payable, prohibit further transactions on your Account, and revoke any privileges 
associated with the Account. 
3. Method of Payment. You may pay your Account by sending your personal check, payable in U.S. 
dollars, to the name and address shown on your Statement. Payments are considered received when 
posted to your Account in the state in which the WFCB main office is located. You must include your 
payment stub. Do not send cash. If any payment does not conform to these requirements, the payment 
may not be credited to your Account for up to five days, or may be rejected. Any check marked “payment 
in full” or with similar terms must be sent to a separate address specified on your Statement. We can 
accept such checks or late or partial payments without losing our right to receive the full amount owing 
on your Account.  
4. Credit Plans. Your Account may consist of a non-promotional Credit Plan and one or more 
promotional Credit Plans. We may offer different promotional Credit Plans from time to time. If a 
promotional Credit Plan is offered at the time you open your account, this Agreement will include 

 
information about the terms for the Plan (which may include the Daily Periodic Rate, the ANNUAL 
PERCENTAGE RATE, and/or the minimum payment amount), by use of an insert, attachment, or other 
written information provided as part of or with this Agreement. Normal late payment charges, returned 
check charges and all other provisions apply to any promotional Credit Plan unless inconsistent with a 
particular Credit Plan offering. The promotional Credit Plan period will end and the promotional Credit 
Plan balance will be transferred to your non-promotional Regular Revolving balance if the promotional 
Credit Plan purchase is not paid in full before the promotional period ends. The types of Credit Plans 
offered and the particular features (including but not limited to minimum purchase requirements, 
Minimum Payment, etc.) of such Credit Plans may vary from time to time at our discretion and may 
include one or more of the following: Regular Revolving or Promotional Credit Plans. The Regular 
Revolving Credit Plans are your non-promotional purchases using the Account. The Promotional Credit 
Plans may include: Waive Interest, Payment Required; Waive Interest, Equal Payment; Waive Interest, 
Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment Required; Budget Pay; Defer 
Interest, Low Payment. (Please see section 12 for explanation for how Finance Charges are calculated for 
each Plan.)  
5. Skip-Payment Option. At our sole option, we may allow you to skip making the Minimum Payment 
on certain Billing Periods. During the skip-payment period Finance Charges will be assessed but no late 
fee will be imposed. At the end of the skip-payment period, all terms of this Agreement that would have 
applied, were it not for the skip-payment feature, will automatically resume without notice.  
6. Credit Limit. Your Credit Limit is the total maximum amount we allow you to owe us at any time. 
You may not exceed any credit limit that we set for your Account. If you do use the Account for more 
than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges 
without giving up any of our rights under this Agreement. We may change your Credit Limit at any time.  
7. How to Cancel Your Account. You may cancel your Account at any time. Send us a letter telling us 
you want to cancel your Account. Even if you cancel your Account, you still must pay the full amount 
you owe us and comply with the terms of this Agreement. 
8. We Have the Right to Cancel Your Account. We may cancel your Account at any time for any 
reason. We also may cancel any of the Credit Plans at any time for any reason. You still must pay the full 
amount you owe us and comply with the terms of this Agreement. 
9. Payments; Minimum Payment. You may pay all of your Account balance at any time 
without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the 
Payment Due Date shown on your Statement. The Minimum Payment will be the total of the minimum 
payments for the Regular Revolving and Promotional Credit Plans (as described in Section 4 of your 
Account Agreement), plus any past due amounts. The minimum payments for the Regular Revolving and 
Promotional Credit Plans (except for Waive Interest, Equal Payment; Defer Interest, Equal Payment; 
Waive Interest, Low Payment; Defer Interest, Low Payment and Budget Pay) will be the greater of: (a) 
$5.00; or (b) 4.00% (rounded to the nearest $1.00) of the New Balance shown on your Statement for that 
Credit Plan. The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal 
Payment Credit Plans will be the amount of the purchase divided by the number of months between the 
date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest 
whole dollar. The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low 
Payment will be the greater of: (a) $5.00 or (b) 1% (rounded to the nearest $1.00) of the New Balance 
shown on your Statement for that Credit Plan. However, the total minimum payment due on your account 
will not be less than $25.00. If your Account balance is less than $25.00, you must pay your Account 
balance in full. The minimum payment for the Budget Pay Credit Plans is a predetermined payment 
amount solely based on the purchase amount. The payment associated with the Budget Pay Plan will 
determine the length of the payment period. Your Statement will tell you how much your Minimum 
Payment must be.  
10. Application of Payments. We reserve the right to apply payments equal to or less than the required 
minimum amount in a manner of our choosing, which may result in balances subject to lower interest 
rates being paid prior to other balances. This may result in higher interest charges. Any payment you 

make in excess of the required Minimum Payment Due will be allocated to your Account as required by 
applicable law. However, excess payments received before a deferred interest promotion expires are 
applied to the deferred interest promotional balance first in the last two billing cycles of the promotional 
period.  
11. Statements; Billing Periods. If your Account has a balance, we will send you a Statement at the end 
of each Billing Period. We send only one Statement for your Account. The Statement will show your: 
Statement Closing Date, Previous Balance, Payments and Credits, Charges, Finance Charge, Payment 
Due Date, New Balance and Minimum Payment. Billing Period means the days between the closing date 
shown on the last Statement we sent you and the closing date on your current Statement. We may change 
your Billing Period as permitted by law at any time for our own convenience.  
12. Finance Charges. 
A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in 
any Billing Period in which (i) there is no Previous Balance or (ii) payments received and credits issued 
by the Payment Due Date, which is 25 days after the Statement Closing Date shown on your last 
Statement, equal or exceed the Previous Balance. If the New Balance shown on your last Statement is not 
satisfied in full by the Payment Due Date shown on your last Statement, there will be a Finance Charge 
on each purchase from the date of purchase. 
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment 
Required; Waive Interest, Equal Payment and Waive Interest, Low Payment we will not charge Finance 
Charges on the purchase if you pay the total amount of the purchase before the end of the promotional 
period. If you do not pay the total amount of the purchase before the end of the promotional period, we 
will add the amount of the purchase to your Regular Revolving balance and will begin to charge Finance 
Charges on the purchase from the first day after the promotional period ends. For any Waive Interest Plan 
that ends, we will add the remaining amount of the plan to your Regular Revolving balance and will begin 
to charge Finance Charges.  
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment or Defer 
Interest, Low Payment Credit Plan we will add the amount of Finance Charges that have accrued from the 
date of purchase through and including the last day of the promotional period to your Regular Revolving 
balance if you do not pay the total amount of the purchase before the end of the promotional period. For 
any Defer Interest Plan that ends , we will add the remaining amount of the plan and the amount of 
Finance Charges that have accrued from the date of purchase through and including the last day of the 
promotional period to your Regular Revolving balance. 
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, 
we use a “Daily Balance” to figure Finance Charges on your Account. This is how we figure the “Daily 
Balance” each day: 
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and 
fees). 
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments 
posted as of that day. This gives us the "Partial Daily Balance" for the day. 
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to 
obtain the "Daily Finance Charge" for the day and add it to the day's Partial Daily Balance. This gives us 
the "Daily Balance", which will be the beginning balance for the following day. 
At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge for each day 
in the Billing Period to get the total Account Finance Charge for the Billing Period. 
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for 
each day in the Billing Period divided by the number of days in the Billing Period. 
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by 
adding 19.73% to the value of an “Index,” and dividing by 365 (The corresponding ANNUAL 
PERCENTAGE RATE will be the Index plus 19.73%). The Index in effect for each Billing Period shall 
be the highest “Prime Rate” of interest as published in the “Money Rates” section of The Wall Street 
Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward, 
if necessary, to the nearest .001% (“Index”). The corresponding ANNUAL PERCENTAGE RATE will 

not increase above 28.99%. An increase or decrease in the Annual Percentage Rate will result in a 
corresponding increase or decrease in the amount of Finance Charge and may increase the amount of your 
minimum payment due. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account for 
Budget Pay Credit Plan purchases is 0.04928% (corresponding ANNUAL PERCENTAGE RATE is 
17.99%). 
E. We will charge you a minimum FINANCE CHARGE of $1.00 per credit plan for any Billing Period 
in which a Finance Charge is due. 
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If 
this Agreement accompanies the Welcome Letter for your new account, the current initial Daily Periodic 
Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE are indicated on the 
notice and are incorporated herein by reference. As of December 21, 2011, the initial Daily Periodic Rate 
of FINANCE CHARGE, was 0.06295%, and the corresponding initial ANNUAL PERCENTAGE RATE 
was 22.98%. This information may have changed after that date. To find out about changes in the 
information, call us at 1-866-308-0678 (TDD/TTY 1-888-819-1918) or write us at World Financial 
Capital Bank, PO Box 183003, Columbus, OH 43218-3003.  
G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 9) 
by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we may apply a 
penalty Annual Percentage Rate ("Penalty Rate") to any existing balances on your Account, including any 
promotional purchases and all new purchases. We will provide you notice of this rate increase, when it 
will apply to your account, and for how long it will apply to your account, as required by applicable law. 
The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate is 0.07942% (corresponding 
ANNUAL PERCENTAGE RATE is 28.99%). The Penalty Rate will apply to your Account until such 
time as any delinquency is cured and your account is kept in a current and satisfactory status for six (6) 
consecutive billing periods. On the seventh billing period the Penalty Rate will no longer apply and your 
Account will be subject to the Daily Periodic Rate of FINANCE CHARGE and corresponding ANNUAL 
PERCENTAGE RATE as described above in Section 12.D. If you fail to make your required minimum 
monthly payments during the Penalty period, the Penalty Rate will continue to apply. Your monthly 
statement will disclose the applicable Penalty Rate for the Billing Period and are incorporated herein by 
reference.  
13. Other Fees and Charges.  
You agree to pay (as interest) the following fees and charges:  
A. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least 
the Minimum Payment Due for each Billing Period or if we receive your payment after the Payment Due 
Date shown on your Billing Statement. 
B. Returned Check Fee. We can charge you up to $25.00 for each check your bank returns to us for any 
reason. Although we may, we do not have to attempt to collect any check more than once. 
C. Document Fee. If a copy of any Statement, sales draft or similar document is provided by us at your 
request (except in connection with billing error inquiries or resolution), we may charge the Account the 
following fee(s):  

•  Statement copy - $6.00  
•  Sales/Credit Draft copy - $6.00  
•  Check/Money Order copy - $6.00 

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow 
you to make individual, expedited payments to your Account over the telephone or through the internet. If 
you choose to use one of those payment methods, then we may assess the then current fee that we charge 
for this service. At present, that fee is up to $15.00, but it may change. We will disclose the current fee to 
you (you may withdraw your request if you do not want to pay the fee) before you authorize any 
payment(s) through either of these alternative methods. 
14. Immediate Payment. We may tell you to pay the full amount you owe at once if you do not pay at 
least the Minimum Payment each time you receive a Statement. We will tell you in advance and/or give 
you an opportunity to cure your default only if applicable law requires us to do so.  

15. Attorney Fees and Collection Costs. As permitted under applicable law, you agree to pay the 
reasonable costs for collecting amounts due, including reasonable attorney’s fees and court costs by us or 
by another person or entity.  
16. Changes. We may add, change or delete the terms of your Account (including, but not limited to, 
Annual Percentage Rate and other significant changes). If notice is required, it will be mailed to you at 
least forty-five (45) days prior to the effective date of the change. Notice may also include a statement of 
your right to cancel the account prior to the effective date of the change.  
17. Security Interest. You grant us a security interest in all goods that you purchase through the use of 
the Account now or at any time in the future and in all accessions to and proceeds of such goods. We 
hereby waive any security interest we may have in your principal dwelling to the extent that it would 
otherwise secure any obligation arising hereunder.  
18. Governing Law. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL 
LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED 
OR REQUIRED BY APPLICABLE LAW.  
19. Transfer of Rights/Assignment. Your rights under this Agreement cannot be transferred by you, by 
operation of law, or otherwise, but your obligations shall be binding upon your estate or personal 
representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights 
under this Agreement, to another person or entity at any time without prior notice to you or your consent.  
20. No Waiver of Rights. We can delay enforcing our rights under this Agreement without losing them.  
21. Severability. If any provision of this Agreement is in conflict with applicable law, that provision will 
be considered to be modified to conform with applicable law.  
22. Credit Reports. You hereby authorize us to investigate your credit record. You agree that a credit 
report may be requested in connection with the processing of an application for credit, and subsequently 
in connection with any extension of credit, or any request to increase your credit limit, or any renewal or 
update of your Account, or to take collection action on the Account, or to investigate disputes regarding 
the Account. If you ask, we will tell you if credit reports were requested, and the name and address of any 
credit bureaus that provided the reports. You understand that we may report negative information about 
your account to the credit bureaus. Late payments, missed payments, or other defaults on your account 
may be reflected in your credit report. You hereby authorize us to furnish information concerning your 
Account to credit bureaus and other creditors, as well as to the retailer whose name appears on your 
Account.  
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting 
agency is inaccurate, you may write to us at the address provided on the credit report from the consumer 
reporting agency. Your written dispute must provide sufficient information to locate the account and why 
you believe the information is inaccurate. If available, provide a copy of the section of the credit report 
showing the account information you are disputing.  
23. Credit Insurance (as applicable). Credit insurance is not required. If you have been accepted for 
credit insurance coverage, the premium charge will be added to your Account as a purchase on the last 
day of each Billing Period. 
24. Debt Cancellation (as applicable). Your Purchase of Account Assure is optional. Whether or not 
you purchase Account Assure will not affect your application for credit or the terms of any existing credit 
agreement you have with World Financial Capital Bank. The monthly fee for Account Assure is based on 
the outstanding monthly balance on your account each month and will be added to your account 
statement. We will give you additional information before you are required to pay for Account Assure. 
This information will include a copy of the contract containing the terms and conditions governing 
Account Assure. There are eligibility requirements, conditions, and exclusions that could prevent you 
from receiving benefits under Account Assure. You should carefully read the contract for a full 
explanation of the terms of Account Assure. 
25. Communication Regarding Account. Until your account is finally settled, you give direct consent to 
receive communications regarding your account to us, any servicers and any collectors of your account, 
through various means such as 1) any cell, landline, or text number that you provide, 2) any email address 
that you provide, 3) auto dialer systems, 4) recorded messages, and other forms of communications. 

Further, you agree that any such communications are not unsolicited for purposes of any state or federal 
law.  
26. Telephone Monitoring. As part of our continuing effort to maintain a high quality of service to our 
customers, telephone communications with you may be monitored and recorded. You agree that 
monitoring and/or recording may be done and that no additional notice to you or additional approval from 
you is needed. Please inform all persons authorized to use this account, those acting on your behalf, or 
anyone making payments on this account, of this provision.  
27. Customer Changes. You must tell us at once if you change your name, address or employment.  
28. Arbitration of Disputes. In the event of any past, present or future claim or dispute (whether based 
upon contract, tort, statute, common law or equity) between you and us arising from or relating to your 
Accounts, your application or registration, the relationship that results or the enforceability or scope of 
this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the 
claim or dispute by binding arbitration.  
IF EITHER OF YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE 
RIGHT TO LITIGATE THAT CLAIM IN A COURT OR TO HAVE A JURY TRIAL ON THAT 
CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE 
LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS 
IN ARBITRATION BY OR AGAINST OTHER ACCOUNT HOLDERS WITH RESPECT TO OTHER 
ACCOUNTS, OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A 
CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Even if all parties have opted to 
litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or 
any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of 
any rights under this arbitration provision. 
We will not invoke our right to arbitrate an individual claim you bring in small claims court or your 
state’s equivalent court, if any, so long as the claim is pending only in that court and does not exceed 
$5,000. 
Your Account involves interstate commerce, and this provision shall be governed by the Federal 
Arbitration Act (“FAA”). The arbitration shall be conducted through, at the option of whoever files the 
arbitration claim, either Judicial Arbitration and Mediation Services, Inc. (“JAMS”) or the National 
Arbitration Forum (“NAF”) in accordance with their procedures in effect when the claim is filed. For a 
copy of their procedures, to file a claim or for other information contact JAMS at www.jamsadr.com, toll-
free at 1(800) 352-5267 or NAF at www.arb-forum.com, toll-free at 1(800) 474-2371. At your written 
request, we will advance any arbitration filing, administrative and hearing fees which you would be 
required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. 
Send requests to World Financial Capital Bank, 3100 Easton Square Place, Columbus, Ohio 43219, 
Attention: General Counsel. The arbitrator will decide who will ultimately be responsible for paying those 
fees. In no event will you be required to reimburse us for any arbitration filing, administrative or hearing 
fees in an amount greater than what your and our combined court costs would have been if the claim had 
been resolved in a state court with jurisdiction. 
Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall 
follow applicable substantive law to the extent consistent with the FAA and applicable statues of 
limitations and shall honor claims of privilege recognized at law. If requested by any party, the arbitrator 
shall write an opinion containing the reasons for the award. The arbitrator’s decision will be final and 
binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 
$100,000.00 any party may appeal the award within thirty (30) days to a three-arbitrator panel which shall 
review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of 
the outcome. Judgment upon any award by the arbitrator may be enforced in any court having 
jurisdiction. 
Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding 
upon our parent corporations, subsidiaries, affiliates (including, without limitation, Alliance Data Systems 
Corporation), predecessors, successors, assigns, as well as the officers, directors, and employees of each 
of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or 

with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and 
obligations under this arbitration shall inure to the benefit of and be binding upon all persons 
contractually liable under this Agreement and all Authorized Users of the Account. This arbitration 
provision shall survive termination of your Account, as well as voluntary payment in full by you, any 
legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by use of your 
Account. 
29. Customer Service. 
For customer service, you can call toll-free: 1-866-308-0678 (TDD/TTY 1- 888-819-1918).  
30. Using Your Account. Your Account may be used to make purchases from any of the following: 
participating Your Tuition Solution providers and such other retailers as we may determine from time to 
time by notifying you via electronic mail, statement message, posting on a website or such other method 
as we may determine. We reserve the right not to honor particular transactions, which may include, 
without limitation, transactions related to gambling, ATM usage at casinos (if applicable through this 
program), and illegal activities. 
Notice(s): 
For Wisconsin Residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-866-308-0678 
(TDD/TTY 1-888-819-1918) and provide us with the name and address of your spouse. We are required 
to inform your spouse that we have opened a credit account for you.  
For Bankruptcy Notifications:  
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: 
WFCB, Bankruptcy Department, PO Box 183043 Columbus, OH 43218-3043  

******************************************** 

Your Billing Rights; Keep This Notice For Future Use. 
This notice contains important information about your rights and our responsibilities under the Fair Credit 
Billing Act.  
Notify Us In Case of Errors or Questions About Your Bill. 
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your 
bill, write us on a separate sheet at World Financial Capital Bank, PO Box 182620, Columbus, OH 
43218-2620. Write to us as soon as possible. We must hear from you no later than 60 days after we sent 
you the first bill on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights.  
In your letter, give us the following information:  

•  Your name and Account Number.  
•  The dollar amount of the suspected error.  
•  Describe the error and explain, if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

Your Rights and Our Responsibilities After We Receive Your Written Notice.  
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 
days, we must either correct the error or explain why we believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including Finance Charges and we 
can apply any unpaid amount against your credit limit. 
You do not have to pay any questioned amount while we are investigating, but you are still obligated to 
pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to 
any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, and you will 
have to make up any missed payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due. 

 
 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you, and you write to us within ten days telling us that you still refuse to pay, 
we must tell anyone we report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 
If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill 
was correct. 
Special Rule for Account Purchases. 
If you have a problem with the quality of property or services that you purchased 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 property or services. There are two limitations on this right:  
A. You must have made the purchase in your home state or, if not within your home state, within 100 
miles of your current mailing address; and 
B. The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement 
for the property or services. 
World Financial Capital Bank is a ComenitySM company. 
Salt Lake City, Utah