IMPORTANT INFORMATION ABOUT RATES AND FEES 

INTEREST RATES AND INTEREST CHARGES 
Annual Percentage 
Rate (APR) for 
Purchases 

19.99% to 29.99% depending on your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

How to Avoid 
Paying Interest on 
Purchases 

Your due date is at least 22 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 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

If you are charged interest, the charge will be no less than $2.00 

To learn more about factors to consider when applying for or using a credit 
card, visit the website of the  Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

FEES 

Annual Fee 

None 

Penalty Fees 

•  Late Payment 

Up to $37 

•  Returned 
Payment 

Up to $37 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new 
purchases).”  See the account agreement for more details. 

Billing Rights.  Information on your rights to dispute transactions and how to exercise those rights is 
provided in your account agreement. 

Annual Percentage Rate (APR) for Purchases:  The APR for Purchases is a variable APR determined 
by adding a margin of  16.49 to 26.49 percentage points to the Prime Rate Index.  The daily periodic rate 
is 0.05477 to 0.08216 percentage points. 

Rev. 05242016 

CONSENT TO ELECTRONIC DOCUMENTS  

As part of our relationship with you, WebBank and Dell Financial Services L.L.C. (“DFS”), as servicer of 
the Dell Preferred Account program offered by WebBank (referred to as “we” and “us”) may send Dell 
Preferred Account holders various types of communications electronically, including but not limited to: 
credit application, application disclosures, privacy statements, important terms of your credit account and 
disclosure statement, summary of terms, initial disclosure statements, and promotional offer details. You 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
may also receive notices of credit decisions, change in terms notices, notices of increase or decrease in 
credit lines, account updates, and other information (referred to as “Communications”). In order to apply 
for a Dell Preferred Account online, you must consent to receive account opening disclosures and 
important documents electronically that we provide in connection with your account. Please read 
the terms of this consent below. Once you have a Dell Preferred Account, you can also choose to 
receive account statements electronically, by logging into your account at 
https://dfs.dell.com/Pages/DFSHomePage.aspx. 

1. Consent to electronic records and signatures. Please read the following consent carefully before 
submitting your application or otherwise using your account. By electing to receive Communications 
electronically, you agree to be bound by and comply with the terms set forth in this consent. If you do not 
agree to comply with these terms, you may not apply for a Dell Preferred Account online. After you have 
read the terms, please provide your consent by clicking the applicable checkbox.  

2. Scope of consent. By electing to receive Communications electronically, you are consenting to receive 
from us any Communications or disclosures related to your account by electronic means. 

3.  Withdrawal  of  consent.  Following  account  opening,  you  may  withdraw  your  consent  to  receive 
electronic  Communications  at  any 
consent,  please  email 
us_dfs_ec_withdraw@dell.com. Withdrawing your consent will not affect the validity of any disclosures 
already provided. Any withdrawal of your consent to receive electronic Communications will be effective 
within  30  days  of  our  receipt  of  your  request.  Please  note  withdrawing  your  consent  will  not  cancel 
electronic delivery  of monthly billing statements.   To  withdraw from receiving statements electronically 
please  email  us_dfs_ec_withdraw@dell.com  and  state  you  no  longer  wish  to  receive  statements 
electronically.  

time.  To  withdraw 

your 

4. Option to receive a paper copy. You can contact us at 1-800-283-2210 to request paper copies of 
any Communications that were previously provided electronically. Your request may be subject to a fee, 
unless otherwise prohibited by law. Please see your account agreement for additional detail. 

5. Hardware and software requirements. To access the Communications subject to this consent, you 
will need an active email address as well as a web browser that meets the security requirements of our 
site, specifically the latest two versions of Microsoft Internet Explorer or the latest version of Firefox and/or 
Google  Chrome.  For  the  latest  versions,  please  visit www.mozilla.com;  www.google.com/chrome;  or 
www.microsoft.com/windows/internet-explorer.  You  will  also  need  software  on  your  computer  or  an 
application (“app”) on  your mobile device or  tablet that  enables you to  view  and retain files  in  Portable 
Document  Format  (PDF),  such  as  Adobe  Acrobat  Reader,  which  is  a  free  download  from   
www.adobe.com. To retain a copy of any Communication, you will need a printer or sufficient electronic 
storage capacity on your computer, mobile device, tablet, or other data storage device. 

You should check the software requirements frequently for updates. From time to time, we may offer 
services or features that require that your web browser be updated or reconfigured. 

6. Updating contact information. You are responsible for maintaining an email address that is active 
and can receive  email from  DFS. If  your email  address or  other contact information changes, please 
update it promptly at   www.dellfinancialservices.com or call us at 1-800-283-2210. 

7. Other important terms and conditions.  You agree that we will not be liable for any delays or failures 
in performance or for any interruptions arising from any cause or circumstance beyond our reasonable 
control. You will not send any computer viruses or other messages that could damage our systems. 

You further  agree that  you  may not  assign or  transfer this  consent and that any  attempt to  assign or 
transfer this consent by you shall be null and void. This consent shall be construed according to federal 
law, including the Electronic Signatures in Global and National Commerce Act and, to the extent state 
law  applies,  the  law  of  Utah.  We  reserve  the  right  to  send  paper  disclosures  in  lieu  of  electronic 
Communications. We also reserve the right to change any terms described in this consent. 

Rev. 05242016 

 
 
 
 
 
 
 
 
 
 
 
 
 
Agreement), or the relationships which result from this Agreement (“Claim”) shall 
be decided, upon the election of you or us, by binding arbitration pursuant to this 
arbitration  provision  and  the  applicable  rules  and  procedures  of  the  arbitration 
administrator (including any applicable procedures for consumer-related disputes) 
in effect at the time the Claim is filed. The party initially requesting arbitration shall 
select  either  the  American  Arbitration  Association  (“AAA”)  or  JAMS  (originally, 
Judicial  Arbitration  and  Mediation  Services)  as  the  arbitration  administrator.  You 
may change the selection to the other organization listed within 30 days after you 
receive notice of an election to arbitrate. If a selected arbitration administrator does 
not  agree  to  arbitrate  a  Claim,  the  remaining  arbitration  administrator  shall  be 
selected. Claims may be referred to an administrator other than the AAA or JAMS if 
both AAA and JAMS are not available. We agree not to invoke our right to arbitrate 
any individual Claim you bring in small claims court or an equivalent court so long as 
the Claim is pending only in that court. It is the intent of the parties to require Claims 
to be submitted to arbitration on an individual basis only. Claims subject to this 
arbitration provision may not be joined or consolidated in arbitration with any 
Claim of any other person or be arbitrated on a class basis, in a representative 
capacity on behalf of the general public or on behalf of any other person.

For the purposes of this arbitration provision, the terms “we” and “us” shall mean 
WebBank  and  Dell  Financial  Services  L.L.C.,  their  parents,  direct  and  indirect 
subsidiaries,  affiliates,  licensees,  predecessors,  successors,  assigns  and  any 
purchaser of the Account or any receivables arising from the use of the Account, 
and each of their respective employees, directors and representatives. In addition, 
for the purposes of this arbitration provision, “we” and “us” shall mean any third 
party  providing  any  products  or  services  to  you  or  us  in  connection  with  your 
Account (including but not limited to any credit bureau, debt collector or vendor, 
Participating Merchant, and including their parents, direct and indirect subsidiaries, 
affiliates,  licensees,  predecessors,  successors  and  assigns,  and  each  of  their 
respective  employees,  directors  and  representatives)  if  such  third  party  is  a  co-
defendant with us in any Claims asserted by you or if any Claims asserted by you 
against such third party arise from or are related to your Account or any products or 
services provided to you or us in connection with your Account. For the purposes of 
this arbitration provision, the term “you” shall mean you and any person authorized 
by you to use your Account.
Any  arbitration  pursuant  to  this  provision  may  be  resolved  without  an  in  person 
hearing,  as  determined  by  the  arbitrator.  If  a  hearing  is  held,  it  shall  take  place 
within the county or parish in which you live or at such other reasonably convenient 
location as agreed by the parties.

In any arbitration, we will pay the entire amount of the arbitration fees, including any 
required deposit. Each party shall be initially responsible for payment of their own 
attorney fees, witness fees and similar expenses.
The  arbitrator  shall  apply  applicable  substantive  law  consistent  with  the  FAA 
and  applicable  statutes  of  limitation  and  shall  honor  all  claims  of  privilege  and 
confidentiality recognized at law. The arbitrator shall have the sole and exclusive 
authority  to  resolve  any  dispute  relating  to  the  enforceability  of  this  arbitration 
provision  including  any  unconscionability  challenge  or  any  other  challenge  that 
the Agreement or the arbitration provision is void, voidable, or otherwise invalid. 
The arbitrator shall be empowered to grant whatever relief would be available in 
court under law or in equity. At the conclusion of the arbitration, the arbitrator may 
allocate arbitration fees in accordance with applicable law, provided that such fees 
do not exceed the filing fees that would have been incurred if the Claim had been 
brought in a state or federal court with jurisdiction over the Claim. Where authorized 
by applicable law, the arbitrator’s award may also include attorney fees, witness fees 
and similar expenses. At the request of any party, the arbitrator will provide a written 
explanation of the basis for the award and the disposition of each Claim, including 
written findings of fact and conclusions of law. Judgment upon the award may be 
entered in any court having jurisdiction.

This arbitration provision shall survive termination of your Account as well as the
repayment of all amounts you owe under the Agreement.  If any provision of this 
arbitration agreement is found unenforceable, the unenforceable provision shall be 
severed, and the remaining arbitration terms shall be enforced (but in no case shall 
there be a class arbitration). In the event of a conflict or inconsistency between the 
rules and procedures of the arbitration administrator and this arbitration provision, 
this arbitration provision shall govern.
YOU  ACKNOWLEDGE  THAT  IF  A  CLAIM  ARISES  YOU  MAY  BE  REQUIRED  TO 
RESOLVE  THE  CLAIM  THROUGH  ARBITRATION  AND  ARE  GIVING  UP  YOUR 
RIGHTS  TO  LITIGATE  THAT  CLAIM  IN  A  COURT  OR  BEFORE  A  JURY  OR  TO 
PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT 

TO  SUCH  A  CLAIM.  OTHER  RIGHTS  THAT  YOU  WOULD  HAVE  IF  YOU  WENT  TO 
COURT MAY ALSO BE UNAVAILABLE OR MAY BE LIMITED IN ARBITRATION.
You may contact the arbitration administrators and obtain their arbitration rules or 
learn how to file a Claim with the AAA or JAMS as follows:

American Arbitration Association
(800) 778-7879
www.adr.org

JAMS
(800) 352-5267 
www.jamsadr.com

STATE SPECIFIC DISCLOSURES
As required by federal and Utah law, you are hereby notified that a negative credit 
report reflecting on your credit record may be submitted to a credit reporting agency 
if you fail to fulfill the terms of your credit obligations.
Notice for all accounts, including New York/Rhode Island/Vermont Residents: You 
agree to give us permission to obtain a credit report from a consumer reporting agency 
in connection with this application, any transaction, or extension of credit, and on an 
ongoing basis, for the purpose of performing a routine and occasional verification of 
credit on your Account, adjusting the credit limit on your Account, taking collection 
action  on  your  Account,  or  for  any  other  legitimate  purpose  associated  with  your 
Account.  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. New York residents may 
contact the New York State Department of Financial Services at 1-877-226-5697 or 
at 1 State Street, New York, NY 10004 to obtain a comparative listing of credit card 
rates, fees and grace periods.
Notice  for  California  Residents:  California  law  requires  that  we  inform  customers 
that  should  they  fail  to  fulfill  the  terms  of  their  credit  obligation,  a  negative  report 
reflecting on their credit record may be submitted to a credit reporting agency. If you 
are married, you may apply for a separate account in your own name.
Notice  for  Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all 
creditors make credit equally available to all credit worthy 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.
Notice  for  Married  Wisconsin  Residents:  If  you  are  married,  by  submitting  your 
Account application you are confirming that this Account obligation is being incurred 
in the interest of your marriage and your family. No provision of a marital property 
agreement, a unilateral statement under Sec. 766.59 Wis. Stats., or a court decree 
under Sec. 766.70 adversely affects the interest of the creditor unless the creditor, 
prior to the time the 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 creditor is incurred. If the Account for which you are applying is granted, you will 
notify us if you have a spouse who needs to receive notification that credit has been 
extended to you.
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 Statement 
If you think there is an error on your statement, write to us at:

Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585

In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
•   Description of problem: If you think there is an error on your bill, describe what

you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.

•   At least 3 business days before an automated payment is scheduled, if you want

to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, 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 2 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

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 responsible for the

remainder of your balance.

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, 1 of 2 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 Purchases 
If  you are  dissatisfied with  the goods  or services  that you  have purchased  with  your 
Dell  Preferred  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 Dell Preferred Account for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses your Dell
Preferred 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:

Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585

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.

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15-5409-R13 (05/16)

[8]

IMPORTANT MESSAGE FOR CUSTOMERS
Following is the DELL PREFERRED ACCOUNT CREDIT AGREEMENT that governs 
the Dell Preferred Account you requested for purposes of financing the purchase of 
goods and/or services from Dell Inc. or its affiliates (“Dell”), or other participating 
retailers who accept the Dell Preferred Account (each, a “Participating Merchant”).  
Please  read  it  carefully.  IT  CONTAINS  VERY  IMPORTANT  INFORMATION  ABOUT 
YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS. 
UNDER  THIS  AGREEMENT  YOU  MAY  BE  REQUIRED  TO  RESOLVE  DISPUTES 
WITH WEBBANK, DELL FINANCIAL SERVICES (“DFS”), AND OTHERS THROUGH 
ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN A COURT PROCEEDING. 
If you reject the terms and conditions contained in the Agreement, you still have 
time to cancel your Account and avoid any interest charges and other credit costs.
IF  YOU  WISH  TO  DECLINE  THE  TERMS  AND  CONDITIONS  CONTAINED  IN  THE 
AGREEMENT,  YOU  MUST  CALL  1-800-879-9500  FOR  DELL  PURCHASES  OR 
1-800-283-2210 FOR PARTICIPATING MERCHANT PURCHASES WITHIN 3 DAYS 
OF RECEIPT OF THE AGREEMENT. You will need to provide the phone representative 
with  your  Dell  Preferred  Account  number,  your  Dell  Customer  Number  or 
Participating Merchant Customer Number and/or your Order Number(s). The phone 
representative  will  communicate  with  WebBank  to  ensure  that  your  Account  will 
not become effective. If you made a purchase from Dell, the phone representative 
will  either  cancel  your  order  or  obtain  another  method  of  payment.  If  you  made 
an in-store purchase from a Participating Merchant, you should return the items 
purchased to the Participating Merchant. If your purchase arrives at your home after 
you have canceled it and the shipment is left at your home without a signature, do 
not open the boxes. Call the carrier and tell them that you are refusing shipment. 
The carrier will arrange with you to pick up the shipment and return it to Dell or the 
Participating Merchant
If you do not contact DFS to cancel your Account and fail to return your purchase 
to  Dell  or  the  Participating  Merchant  within  the  applicable  return  period,  your 
acceptance of any products you purchased constitutes use of the credit offered and 
acceptance of the terms and conditions of the Agreement. Your acceptance of the 
Agreement will authorize DFS and/or its affiliates to request an advance of funds 
pursuant to the Agreement to pay for your purchase from Dell or the Participating 
Merchant.
SPECIAL NOTICE TO ACTIVE MEMBERS OF THE ARMED FORCES:  If you are an 
active member of the Armed Forces, or a dependent of an active member of the 
Armed Forces at the time you established your Account, and you established your 
Account on or after October 3, 2016, the following additional terms apply to this 
Agreement:

•  This Agreement is modified so that the provisions under the headings 

  Arbitration Notice” and “Arbitration” do not apply to you. 
“

•  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%.

DELL PREFERRED ACCOUNT CREDIT AGREEMENT
Offered by WebBank, a Utah Industrial Bank, and serviced by Dell Financial Services.
Definitions. The word “Agreement” refers to your Dell Preferred Account Credit 
Agreement.  In  this  Agreement,  the  words  “you”  and  “your”  mean  the  person 
who applied for this Dell Preferred Account. With the exception of the arbitration 
provision,  the  words  “we”,  “us”,  and  “our”  mean  WebBank,  who  is  the  lender. 
“Account”  means  your  Dell  Preferred  Account,  which  will  be  governed  by  this 
Agreement. Dell Financial Services (“DFS”) will service your Account for WebBank.
Use  of Your  Account.  Your  use  of  the  open-end  credit  offered  pursuant  to  this 
Agreement, or its use by anyone you authorize, shall constitute acceptance of the 
terms of this Agreement and the arbitration provision contained in this Agreement. 
Your use of the Account also acknowledges that you are of legal age to enter into a 
binding agreement with us.
Billing Period. A Billing Period is the interval between monthly billing statements. 
The Statement Closing Date is the last day of the Billing Period for that statement.
Payment. You promise to pay us for all purchases charged to your Account plus 
any Interest Charges and any other charges that may be assessed as provided in 
this Agreement. You promise to pay at least the Minimum Payment Due as shown 
on your billing statement each month by the Payment Due Date. We will advise you 
of your Payment Due Date each month on your billing statement. Your Payment Due 

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4/4/16   2:13 PM

Date will be the same day of the month for each monthly Billing Period and will be at 
least 22 days after the close of each Billing Period. Your Minimum Payment Due is the 
sum of all past due amounts plus the greater of $20 or 3% of the New Balance shown 
on your billing statement, rounded up to the next dollar. At any time we can require 
you to pay all amounts by which your balance exceeds your Credit Limit. You may pay 
all or any part of your balance at any time without penalty.
When Periodic Interest Charge is Imposed. Interest Charges on purchases 
will  accrue  from  the  date  the  transaction  posts  to  your  Account  until  the  date  we 
receive payment in full of the balance on your Account. However, if you paid in full 
the New Balance from your immediately preceding Billing Period by the Payment Due 
Date  shown  on  the  statement,  then:  (1)  if  your  Previous  Balance  was  $0  and  you 
pay the New Balance for the current Billing Period by the Payment Due Date shown, 
you will not be charged any Interest Charges; and (2) if you make a payment by the 
Payment Due Date shown on the current statement that is less than the New Balance, 
that payment will be credited as of the payment date and interest will be assessed.
Periodic Interest Charge. We figure the “Interest Charge” on your Account for 
any Billing Period by applying the Daily Periodic Rate to the Average Daily Balance of 
your Account (including new purchases) and multiplying the result by the number of 
days in the Billing Period. To determine your “Average Daily Balance,” we calculate 
a  new  balance  each  day  of  the  Billing  Period  for  each  separate  credit  plan  that  is 
part of your Account. For each credit plan we do the following: we take the previous 
balance  each  day,  which  includes  any  billed,  but  unpaid  Interest  Charges,  Late 
Payment Fees and other fees, add any new purchases or charges, and subtract any 
payments or other credits. Then, we add up all the New Balances for the Billing Period, 
and divide the total by the number of days in the Billing Period. This gives us the 
Average Daily Balance for each separate credit plan that is part of your Account. The 
Average Daily Balance computation results in the compounding of interest on your 
Account,  and  you  agree  that  we  may  compound  interest  on  your  Account.  Please 
see above, under “When Periodic Interest Charge is Imposed,” for special rules that 
apply if new purchases are posted to your Account in Billing Periods when your prior 
Billing Period’s New Balance was $0 or was paid in full. Interest Charges for purchases 
subject to a Promotional Credit Plan with a deferred interest feature will not be added 
to your Account if you pay your balance in full by the appropriate Payment Due Date. 
If the Interest Charge on any billing statement is less than $2, a minimum Interest 
Charge fee of $2 will be imposed. The fee will be referred to on your billing statement 
as “Minimum Interest Charge Fee.”
Periodic Rate. The Daily Periodic Rate and corresponding Annual Percentage Rate 
(APR)  are  variable  rates  and  may  change  each  month.  The  Corresponding  Annual 
Percentage Rate (the APR for purchases) that applies to your Account is determined 
by adding a Margin to the Index, which is described below.
The  Daily  Periodic  Rate  is  determined  by  multiplying  the  APR  for  purchases  by 
1/365th (1/366th in a leap year).
The current corresponding APR for purchases, Daily Periodic Rate, Margin and any 
additional restrictions on how we determine the Annual Percentage Rate appear on 
the Pricing Addendum that accompanies and is a part of this Agreement.
The Index is the Prime Rate published in the “Money Rates” table by The Wall Street 
Journal the business day immediately preceding the first day of your billing cycle. 
Any change in the Index will cause the corresponding Annual Percentage Rate to be 
adjusted as of the first day of your Billing Period that begins after the change.
Promotional  Credit  Plans.  In  addition  to  purchases  that  accrue  Interest 
Charges and require monthly payments as described previously in this Agreement, 
Promotional Credit Plans may be offered from time to time on specific purchases. A 
Promotional Credit Plan is strictly limited by its terms and the terms and conditions 
of the promotion to which it relates. In addition, the benefits of a Promotional Credit 
Plan will expire and all accrued Interest Charges in these plans will be added to your 
Account  if  your  Account  is  placed  in  default.  The  promotions  that  may  be  offered 
include:

a)  No  Interest  Credit  Plan  (sometimes  referred  to  as  “Special  Financing”)  –  If 
you pay the full purchase price before the expiration date of the promotion, as 
indicated on your billing statement, and pay the Minimum Payment Due each 
Billing Period when due, no Interest Charges will be imposed on the purchase. 
If such payments are not made, Interest Charges from the date the transaction 
posts will be added to your Account either when you fail to make a payment 
during the promotion period or at the end of the promotion period. We may 
offer promotion periods of different lengths that we will announce from time to 
time. During the last two months of any No Interest Credit Plan, amounts paid 
over the Minimum Payment Due will be applied to the remaining balance of the 
No Interest Credit Plan about to expire.

b)  Promotional  Rate  Plans  –  We  may  offer  Promotional  Rate  Plans  with 
promotional periods of different lengths that we will announce from time to 
time for a specified number of days.

Credit  Limit.  Your  “Credit  Limit”  on  your  Account  will  be  shown  on  your  billing 
statement. You, not we, are responsible for preventing the balance on your Account
from exceeding the Credit Limit. You agree not to make any purchases that would 
make the unpaid balance on your Account exceed your Credit Limit. If you exceed 
your  Credit  Limit,  we  may  require  you  to  immediately  pay  the  excess  and  related 
Interest Charges. You also agree that we may increase or lower your Credit Limit at 
any time.
Charges. The following fees, when imposed, will be added to your Account balance. 
The following amounts are our current fee charges. We reserve the right to change the 
fee schedule from time to time and, if we do so, we will give you any notice required 
by law. You may call Customer Service for a current fee schedule.

•   A Late Payment Fee will be imposed if you fail to pay us the Minimum Payment 
Due in full by the Payment Due Date on your billing statement. The Late Payment 
Fee will be $27 for the first late payment and $37 for additional late payments 
within the next 6 billing cycles after any prior late payment but will not be more 
than the amount of your Total Minimum Payment Due immediately prior to the 
late payment.

•   A  Returned  Payment  Fee  will  be  imposed  if  your  bank  returns  your  check  or 
payment  instrument  to  us  unpaid,  or  will  not  honor  your  direct  debit,  or  we 
cannot process such payment for any reason. The Returned Payment Fee will 
be $27 for the first returned payment and $37 for additional returned payments 
within the next 6 billing cycles after any prior returned payment but will not be 
more than the amount of your Total Minimum Payment Due immediately prior 
to the returned payment. You will incur the Returned Payment Fee even if your 
payment is later honored by your bank upon subsequent presentment.

•   The $2 minimum Interest Charge imposed on any billing statement for which 
a  periodic  Interest  Charge  is  imposed  as  described  in  the  paragraph  entitled 
“Periodic Interest Charge.” It will appear on your billing statement as “Minimum 
Interest Charge Fee.”

•   Miscellaneous  Fees  may  be  imposed,  including  a  charge  for  copies  of  billing 
statements that we are not required by law to furnish you without charge. The 
rates are: research time $15 per hour and billing statements $4 per copy.

•   An  Expedited  Payment  Fee  of  up  to  $15  per  payment  may  be  imposed  for 
authorizing a customer service representative to process a one-time expedited 
payment  through  the  use  of  Automated  Clearing  House  procedures  or  other 
electronic funds transfers from your checking account. This fee does not apply 
if  you  sign  up  for  an  ongoing  automatic  payment  plan  where  payments  are 
deducted routinely from a designated account.

Form of Payment. All payments must be in U.S. Dollars, and be made by check, 
money  order,  electronic funds transfer or  such  other means as we may expressly 
permit.  Do  not  send  cash.  Payments  made  via  a  credit  card  will  not  be  accepted. 
Any payment made using a check or draft may not be processed or applied to your 
Account  if  it  is:  postdated;  incomplete  (such  as  when  a  signature  is  missing);  the 
numeric amount is different than the written amount; or it is not made payable in 
accordance with the instructions on your billing statement. All credits for payments 
on  your  Account  are  subject to  final  payment  by  the  institution  on  which  the  item 
of  payment  was  drawn.  When  you  provide  a  check  as  payment,  you  authorize  us 
either to use information from your check to make a one-time electronic fund transfer 
from your bank account or to process the payment as a check transaction. When we 
use information from your check to make an electronic fund transfer, funds may be 
withdrawn from your bank account as soon as the same day we receive your payment, 
and you will not receive your check back from your financial institution. If you submit 
as  payment  3  electronic  funds  transfers  returned  for  any  reason  in  any  12  month 
period, you agree that we may refuse to accept subsequent payments by electronic 
funds transfer even if any of the checks was later accepted by your bank.
Generally,  we  will not  accept  any payment  that  is  not  drawn either on  a  financial 
institution located in the U.S. or the U.S. Post Office. If we do, we may charge you any 
bank collection fees we incur. We can accept late or partial payments, and payments 
that  are  marked  with  restrictive  endorsements  such  as  “payment  in  full,”  without 
losing any of our rights.
PLEASE  REMIT  PAYMENTS  TO:  Dell  Preferred  Account,  Payment 
Processing Center, P.O. Box 6403 Carol Stream, IL 60197-6403.

Application  of  Payments. We will apply payments to your Account consistent 
with applicable law. This means that we generally apply payments in excess of the 
Minimum Payment Due to balances with the higher APRs before balances with the 
lower APRs. Although we apply payments as of the date we receive them if they are 
paid in accordance with this Agreement and the instructions on your billing statement,
your available Credit Limit may not reflect credit for your payment for up to 10 days 
after we receive your payment. In some circumstances, restoring your total available 
credit may be further delayed.
Default. Your Account will be in default if: (1) you exceed the Credit Limit in effect on 
your Account; (2) you fail to pay when due any amount owed under this Agreement; or 
(3) you made any misrepresentations to us in applying for credit. If you are in default 
we may require you to pay the total outstanding balance on your Account immediately. 
We do  not  have  to notify you  or demand payment in  order  to take  this  action.  As 
described below under Account Cancellation, we can cancel or suspend your right to 
charge additional purchases to your Account at any time.
Collection Costs and Attorney Fees. As permitted by law, you agree to pay all 
reasonable attorney fees, court costs and other collection costs actually incurred by 
us in the collection of any amounts you owe us under this Agreement or which are 
incurred by us in the event of your bankruptcy or insolvency.
Security  Interest.  To  the  extent permitted by  applicable  law,  you  hereby grant 
to  us  and  we  are  retaining  a  purchase  money  security  interest  under  the  Uniform 
Commercial  Code  in  the  merchandise  purchased  on  your  Account  until  such 
merchandise is paid for in full. You agree to assist us in executing any documents 
necessary to perfect our security interest. If you do not make a Minimum Payment 
Due on your Account by the Payment Due Date, we may repossess any merchandise 
that has not been paid for in full to the extent permitted by law.
Account  Cancellation.  You  may  cancel  your  Account  at  any  time  by  notifying 
us in writing. We may at any time and for any reason, without prior notice refuse to 
authorize  any  purchase  on  your  Account,  or  suspend  your  Account  and  your  right 
to  use  your  Account.  In  addition,  we  may  at  any  time  and  for  any  reason,  without 
prior  notice,  cancel  your  Account.  If  we  cancel  your  Account,  we  may  require  you 
to pay the full outstanding balance of your Account. No cancellation or suspension 
of your Account will affect your obligation to pay any amount you owe us under this 
Agreement. You agree that you will not try to make a purchase after you have been 
notified that your Account has been canceled.
Final Agreement. This Agreement is a final expression of the agreement between 
you and us and may not be contradicted by evidence of any alleged oral agreement.
Amendments to This Agreement.  We  may  change  or  terminate  the  terms  in 
this Agreement or the services or features of your Account (including increasing your 
Interest Charges) at any time as permitted by law. We may also add new terms to this 
Agreement or services and features to your Account. Any change in terms or any new 
terms may apply to any outstanding balance as well as on subsequent transactions 
and  balances.  To  the  extent  required  by  law,  we  will  notify  you  in  advance  of  any 
changes in terms or any new terms and any right to reject such changes by mailing 
a notice to you at your address as shown on our records. However, no amendment 
will eliminate our obligations relating to arbitration. Any dispute that arose before an 
amendment  shall  be  governed  by  this  Agreement  (including  the  binding  individual 
arbitration clause) that was in place when the Dispute arose.
Assignment of Account. We may sell or transfer your Account or any amounts 
owed on your Account to another party at any time without prior notice to you. If 
we assign your Account, this Agreement will still be in effect and any successor will
have our rights in this Agreement to the extent assigned. Following an assignment, 
the words “we”, “us”, and “our” in this Agreement shall refer to any assignee. You 
shall not have any right to transfer your Account or assign this Agreement to anyone.
Telephone  Monitoring.  Telephone  communications  with  us,  including  calls 
with  any  of  our  agents  or  independent  contractors,  are  routinely  monitored  and/or 
recorded. You expressly consent, on behalf of yourself and other users of your phone, 
to being monitored or recorded.
Mobile  Phone  Communications.  If  you  have  already  or  in  the  future  provide 
us with a mobile phone number as your contact number, you expressly authorize us, 
and our agents or independent contractors, to contact you regarding your Account for 
non-telemarketing communications, via text message or mobile telephone, including 
by way of pre-recorded or auto-dialed calls, using that mobile phone number. Normal 
mobile phone charges or text message rates may apply. Your consent to use your 
mobile phone number may be revoked by calling 1-800-283-2210 or by sending a 
written notice to us, online or by U.S. Mail, at one of the following addresses:

www.dellfinancialservices.com
or
Dell Financial Services
P.O. Box 81575
Austin, Texas 78708-1575

Any revocation by you regarding your mobile phone number shall not revoke our right 
to contact you utilizing any other contact information you previously provided to us 
or may provide later.
Change of Address. If you move or change your billing address or e-mail address, 
you  agree  to  promptly  notify  us  of  your  new  address  in  writing  or  online  at
www.dellfinancialservices.com.
Authorized  Users.  You  may  give  another  person  authorization  to  use  your 
Account. You are liable for all use of your Account, and you agree to pay all amounts 
incurred by the use of your Account, made by you or anyone to whom you have given 
authorization to use your Account.
Liability for Unauthorized Use. If you notice the loss or theft of your Account 
or a possible unauthorized use of your Account, you should call us immediately at 
1-866-228-9620.  You must also contact us in writing to provide information about 
the loss, theft or potential unauthorized use of your Account at:
Dell Financial Services, Attn: Security Department, P.O. Box 81565, Austin, TX 78708
You will not be liable for any unauthorized use that occurs after you notify us. You 
may, however, be liable for unauthorized use that occurs before your notice to us. In 
any case, your liability will not exceed $50.
Unauthorized use does not include use by a person to whom you have given authority 
to use your Account.
Credit  Investigation  and  Reporting. You agree that we may investigate your 
credit in connection with the initial extension, review, or collection of your Account. 
You  agree  that  we  may  examine  employment  and  income  records  and  verify  your 
credit references and also may report to credit reporting agencies, merchants, and 
other creditors the status and payment history of your Account.
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 allowed by law, we may take 
other action not described in this Agreement, and by doing so will not lose our rights 
under this Agreement.
Severability. If any provision of this Agreement is found to be unenforceable, all 
other provisions shall remain in full force and effect.
Applicable Law. The laws of the United States of America, including the Federal 
Arbitration Act, 9 U.S.C. Sections 1-16 (the “FAA”), and the laws of the State of Utah 
apply to and govern this Agreement and your use of your Account.

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  WITH  THE  PROCEEDS  HEREOF. 
RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY 
THE DEBTOR HEREUNDER.

ARBITRATION NOTICE
THIS  AGREEMENT  CONTAINS  AN  ARBITRATION  CLAUSE.  PLEASE  READ  THIS 
PROVISION  CAREFULLY.  IT  PROVIDES  THAT  ANY  CLAIM  RELATING  TO  YOUR 
ACCOUNT  MAY  BE  RESOLVED  BY  BINDING  INDIVIDUAL  ARBITRATION.  YOU 
ARE  ENTITLED  TO  A  FAIR  HEARING,  BUT  THE  ARBITRATION  PROCEDURES 
ARE  SIMPLER  AND  MORE  LIMITED  THAN  RULES  APPLICABLE  IN  COURT,  AND 
ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW. CLAIMS MAY 
BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS. IF EITHER PARTY CHOOSES TO 
ARBITRATE A CLAIM,  NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT 
CLAIM IN COURT OR TO  HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE 
IN  A  CLASS  ACTION  OR    REPRESENTATIVE  ACTION  WITH  RESPECT  TO  SUCH 
CLAIM.
Arbitration. Except as expressly provided herein, any claim, dispute or controversy 
(whether  based  upon  contract,  tort,  intentional  or  otherwise,  constitution,  statute, 
common law, or equity and whether pre-existing, present or future including initial 
claims, counter-claims, cross-claims and third-party claims), arising from or relating 
to  you  applying  for,  obtaining,  or  using  this  Account,  this  Agreement  (including 
the validity or enforceability of this arbitration clause, any part thereof or the entire 

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