WebBank
                  YAMAHA CREDIT CARD ACCOUNT 
                      PRICING INFORMATION 
       Interest Rates and Interest Charges 
       Annual Percentage  15.99% - 23.99% based on your credit-
       Rate (APR) for 
                       worthiness. See your Important Disclosure 
       Purchases 
                       Insert for the APR that applies to your Account. 
                       Your due date is at least 25 days after the close of 
                       each Billing Cycle. We will not charge you inter- 
                       est on Regular Credit Plan purchases if you pay 
       Paying Interest 
                       your entire Regular Credit Plan balance and the 
                       Minimum Payment due on all Promotional Credit 
                       Plans by the due date each month. We will begin 
                       charging interest, if any, on Promotional Credit 
                       Plan purchases on the transaction date. 
       Minimum Interest  If you are charged interest, the charge will be no 
       Charge          less than $2.00. 
       For Credit Card  To learn more about factors to consider 
       Tips from the   when applying for or using a credit card, 
       Consumer Financial  visit the website of the Consumer Financial 
       Protection Bureau  Protection Bureau at 
                       http://www.consumerfinance.gov/learnmore. 
       Fees 
       Annual Fee      None. 
       Penalty Fees 
       � Late Payment  Up to $38. 
       � Returned Payment Up to $27. 
      How We Calculate Your Balance. We use a method called �average daily 
      balance (excluding new Regular Credit Plan purchases).� If your Account is 
      subject to a grace period during the billing cycle, payments made during that 
      billing cycle will be subtracted from your daily balances during that cycle. For 
      additional information, see the �Interest Charges� section of the Agreement. 
      Security Interest. We take a security interest in the goods you purchase 
      with your Card. 
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      Billing Rights. Information on your rights to dispute transactions and how 
      to exercise those rights is provided in the �Your Billing Rights� section of 
      this Agreement. 
      The above APRs were in effect on January 1, 2018. If you are approved, 
      you will receive an Important Disclosures Insert that includes the APR that 
      applies to your Account. To find out any changes before applying, contact 
      us at P.O. Box 84240, Sioux Falls, SD 57118 or 1-877-327-7310. 
                          ARBITRATION 
       This WebBank Yamaha Credit Card Account Customer Agreement 
       contains an Arbitration  Provision. The Arbitration  Provision  is 
       contained in Section 36.  Please read the Arbitration Provision carefully. 
       Unless you send us the rejection notice described in the Arbitration 
       Provision, the Arbitration Provision will apply to you. 
                    IMPORTANT INFORMATION 
         ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT 
      To help the government fight the funding of terrorism and money launder- 
      ing 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, and other information that will allow us to 
      identify you. We may also ask to see your driver�s license or other identi- 
      fying documents. 
        IMPORTANT INFORMATION ABOUT CREDIT REPORTING 
      We may report information about your Account to credit bureaus. Late 
      payments, missed payments, or other defaults on your Account may be 
      reflected in your credit report. 
                  STATE-SPECIFIC INFORMATION 
      NOTICE FOR CALIFORNIA RESIDENTS: Applicants may, after credit 
      approval, use the credit card account up to its credit limit and be liable for 
      amounts extended under the plan to any joint applicant. If you are married, 
      you may apply for credit in your own name. 
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      NOTICE FOR OHIO RESIDENTS: Ohio anti-discrimination laws require 
      creditors to make credit equally available to all creditworthy customers and 
      that credit reporting agencies maintain separate credit histories on individuals 
      upon request. The Ohio Civil Rights Commission administers these laws. 
      NOTICE FOR NEW YORK AND VERMONT RESIDENTS: 
      WebBank may obtain at any time your credit reports, for any legitimate 
      purpose associated with the account or the application or request for an 
      account, including but not limited to reviewing, modifying, renewing and 
      collecting on your account. On your request, you will be informed if such a 
      report was ordered. If so, you will be given the name and address of the 
      consumer reporting agency furnishing the report. 
      NOTICE FOR NEW YORK RESIDENTS: New York residents may 
      contact the New York State Department of Financial Services by telephone 
      or visit its website for free information on comparative credit card rates, 
      fees and grace periods. New York State Department of Financial Services: 
      1-877-226-5697 or http://www.dfs.ny.gov.
      NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision 
      of any marital agreement, unilateral statement, or court order applying to 
      marital property will adversely affect a creditor�s interests unless prior to 
      the time credit is granted, the creditor is furnished with a copy of the agree- 
      ment, statement or court order, or has actual knowledge of the provision. If 
      you are married, by submitting your credit card application you are confirm- 
      ing that this credit card obligation is being incurred in the interest of your 
      marriage and your family. If the credit card for which you are applying is 
      granted, you will notify the Bank if you have a spouse who needs to receive 
      notification that credit has been extended to you. 
      NOTICE FOR DELAWARE RESIDENTS: Service charges not in ex- 
      cess of those permitted by law will be charged on the outstanding balances 
      from month to month. 
      PROGRAM TERMS: By applying for this Account issued by WebBank 
      you understand that you may not be approved if: 
         � You provide only a P.O. Box and not a street address.
         � The application is missing required information, or the information
           you provide cannot be verified.
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         � Your address is outside the United States.
         � You are under 18 or under the age of majority in any state where
           the age of majority is higher than 18.
         � You do not have a valid Social Security Number or Individual Tax-
           payer Identification Number.
      All credit is granted and all Accounts are owned by WebBank.  
      This Account is subject to approval by WebBank .
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                           WebBank   
                YAMAHA CREDIT CARD ACCOUNT 
                    CUSTOMER AGREEMENT 
     SECTION 1.  ABOUT THE CREDIT CARD AGREEMENT. 
      This  WebBank  Yamaha Credit Card Account Customer Agreement 
     (�Agreement�) is between you and WebBank, a Utah-chartered, FDIC insured 
     bank having its principal office at 215 S. State Street, Suite 1000, Salt Lake 
     City, UT 84111. There are two parts to this Agreement: WebBank Yamaha 
     Credit Card Account Pricing Information including your Important Disclosure 
     Insert and the WebBank Yamaha Credit Card Account Customer Agreement. 
     WebBank will open an Account and issue a Card(s) that may only be used at 
     dealers  participating  in  the  Yamaha  Motor Finance Corporation U.S.A. 
     (�Yamaha�) financing programs and Yamaha or Yamaha affiliates� e-commerce 
     websites to purchase goods and services.  By opening your Account, signing 
     your Card or using your Account, you agree to the terms of the Agreement with 
     WebBank including any changes, amendments or supplements to it. 
     SECTION 2.  DEFINITIONS. 
           The meanings of the capitalized terms used in the Agreement appear 
      in the �Glossary� (Section 35 of this Agreement). 
           As used here, �you� and �your� mean each applicant and co-applicant 
      approved on the Account; any person responsible for paying the Account; any 
      Authorized User; and any person responsible  for complying with this 
      Agreement. �We,� �us,� �our,� and �WebBank� mean WebBank. 
     SECTION 3.  ACCOUNT DOCUMENTS. 
           The following documents govern your Account with us: 
                1.   this Agreement;
                2.   all Statements;
                3.   any Privacy Notices;
                4.   all disclosures and materials provided to you before
           or when you opened your Account; 
                5.   any other documents and disclosures relating to your
           Account, such as those provided during the application process at 
           the dealer and when you use your Account including those regarding 
           Promotional Credit Plans; and 
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           6.  any future changes we make to any of the above. 
      Please read all of these carefully and keep them for future reference. 
      
     SECTION 4.  ACCOUNT INFORMATION. 
      
      We need information about you to approve and manage your Account. This 
      includes the information requested on your application. You agree to tell us 
      when this information changes and respond to our requests for information 
      or additional documents to verify any information. We may restrict or close 
      your Account if we cannot verify your information, or if you do not provide 
      it as requested. 
       
     SECTION 5.  USE AND SHARING OF INFORMATION ABOUT YOU. 
      
      When you applied for an Account, you gave us, Yamaha and our/their 
      affiliates information about yourself that we could share with each other. 
      Yamaha and its affiliates will use the information in connection with the 
      credit program and for things like creating and updating its records and 
      offering you special benefits. More information about how we use and share 
      information is set forth in the Privacy Notices for your Account which you 
      receive with your application package. 
      
     SECTION 6.  CREDIT LIMITS 
      
           When you open your Account, we will tell you your credit limit. 
      This will also appear on your Statement. We may also refer to your credit 
      limit as your credit line. 
      
           You are responsible for keeping track of your balance and your 
      available credit. You must manage your Account to remain below your 
      credit limit. We may honor transactions above your credit limit, but if we do 
      these transactions will not increase your credit limit. You are responsible for 
      paying for any transaction you make above your credit limit. 
      
           We may also increase, decrease, restrict or cancel your credit limit 
      at any time in accordance with applicable law.  This will not affect your 
      obligation to pay us. 
      
     SECTION 7.  USING YOUR ACCOUNT 
      
             1.  This Agreement applies whether or not you use your Card or 
          Account. It will continue to apply even after your Account is closed, 
          as long as you have a balance. 
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             2.  You must sign the Card immediately when you receive it. 
             3.  You must return the Card to us or destroy it if we ask you to. 
             4.  You must take reasonable steps to prevent the unauthorized 
          use of your Card and Account. 
             5.  We may decline to authorize a transaction for any reason. 
          This may occur even if the transaction would not cause you to go over 
          your credit limit or your Account is not in default. 
             6.  We are not responsible for any losses you incur if we do not 
          authorize a transaction. 
             7.  We are not responsible for any losses you incur if anyone 
          refuses to accept your Card for any reason. 
             8.  You must not use, or try to use, the Card for any illegal ac- 
          tivity. You are responsible for any charges if you do. 
             9.  We are not liable for any losses that may result when our 
          services are unavailable due to reasons beyond our control. 
      
     SECTION 8.  PROMOTIONAL CREDIT PLANS. 
      
           From time to time, we may offer one or more Promotional Credit 
      Plans for certain transactions prior to or at the time of your purchase. The 
      terms of this Agreement apply to Promotional Credit Plans. However, the 
      terms of the promotional offer and the special Promotional Credit Plan may 
      be different from the standard terms of your Account and will be explained 
      in other materials and disclosures provided to you at the time you make your 
      purchase. In general, Interest Charges for Promotional Credit Plans begin to 
      accrue from the date of the promotional purchase until paid in full, and there 
      is no grace period to avoid Interest Charges on Promotional Credit Plans. 
      You accept the promotional terms of those materials and disclosures when 
      you make the purchase. Only certain purchases may be eligible  for 
      Promotional Credit Plans. The amount of your credit limit available for 
      Promotional Credit Plans may be limited. Offers are subject to credit 
      approval. These plans may have special interest terms, special repayment 
      terms (including minimum payments) and a limited or specified promotion 
      period when the special promotional terms apply.  Unless otherwise specified 
      with respect to a Promotional Credit Plan, upon termination or expiration 
      of the promotion period your Promotional Credit Plan terms will end and 
      all Regular Credit Plan terms will apply. Regular purchases that are not 
      subject to Promotional Credit Plan terms are part of your Regular Credit 
      Plan.  Special Promotional Credit Plans are not available at all times for all 
      purchases. Please see any special promotional materials or disclosures for 
      additional terms that will apply to the promotion offered. 
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     SECTION 9.  SECURITY INTEREST. 
      
           As security for the payment of your Account balance, you grant us 
      a purchase money security interest (�Security Interest�) in the following 
      items financed using your Account: 
                  1.  any goods you buy using your Account; and 
                  2.  all insurance contracts and proceeds, returned 
           premiums,  mechanical  failure  and extended service contracts, and 
           refunds of charges for mechanical failure and extended service contracts. 
           Each good you buy using your Account: 
                  1.  secures your entire Account balance and any other 
           amounts owed under this Agreement; and 
                  2.  may be taken from you if you do not pay on time   or 
           are otherwise in default as described in the �Account Default� 
           section of this Agreement. 
      
           To decide when a good is paid in full and no longer subject to a 
      Security Interest, your payments will be applied as described in the �How 
      We Apply Your Payments� section of this Agreement. Once you have fully 
      paid for any good, we will release our Security Interest in that good. 
      
           If we take or attempt to take possession of any good, we may charge 
      you our costs and may require you to make the good available at a 
      convenient place of our choice as allowed by law. Our costs may be related to: 
                  1.  attempting to or repossessing the good; 
                  2.  repairing the good; 
                  3.  storing the good; 
                  4.  selling the good; or 
                  5.  any other costs allowed by law. 
      
     SECTION 10.  JOINT ACCOUNTS. 
      
           If this is a joint account, each of you is responsible individually and 
      together for all amounts owed. Each of you is responsible even if the 
      Account is used by only one of you. You will continue to be liable for the 
      entire balance of the Account, even if your joint accountholder is ordered by 
      a court to pay us. Your Account status will be reported to the credit bureau 
      under each of your names. We will send a Statement to a single name and 
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      address. The delivery of notices or Statements to either of you serves as 
      delivery to each of you. We may rely on instructions given by either of you. 
      We are not liable to either of you for relying upon such instructions. 
      
     SECTION 11.  AUTHORIZED USERS. 
      
           If you ask us to issue a Card to any person other than a joint account 
      holder, they are an Authorized User. We may require certain information about 
      them and you should let them know that you are sharing their information with 
      us. We may limit their ability to use your Card. They may have access to 
      certain information about your Account. You will be responsible for their use 
      of the Account and anyone else they allow to use your Account, even if  you 
      did not want, or agree to, that use. We may report information about your 
      Authorized User(s) to consumer reporting agencies. See the �Credit Reports� 
      section of this Agreement. 
      
     SECTION 12.  REMOVING AN AUTHORIZED USER. 
      
           If you want to remove an Authorized User from your Account, you 
      must contact Customer Service at 1-877-327-7310 and request their removal. 
      You also must immediately destroy all Cards in their possession and cancel 
      any arrangements they may have set up on your Account. They will be able 
      to use your Account until you have notified us that you are removing them 
      from your Account. During this time, you will still be responsible for all 
      amounts they charge to your Account. You will be responsible even if these 
      amounts do not appear on your Account until later. 
            
     SECTION 13.  YOU PROMISE TO PAY. 
      
           You promise to pay us all amounts due on your Account. This 
      includes amounts where you did not sign a purchase slip or other documents 
      for the transaction. We will treat transactions made without presenting your 
      Card (such as for mail, telephone, Internet, or mobile device purchases) the 
      same as if you used the Card in person. If you let someone else use your 
      Card or Account, you are responsible for all transactions that person makes. 
      
     SECTION 14.  STATEMENTS. 
      
           We will send or make available to you one  Statement for  your 
      Account at the end of each Billing Cycle. You must notify us at P.O. Box 
      84240, Sioux Falls, SD 57118 or 1-877-327-7310 of a change in your address. 
      Under certain circumstances, the law may not require us to send or make 
      available to you a Statement, or may prohibit us from doing so. In such 
      circumstances, we may continue to add interest and fees as permitted by law. 
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     SECTION 15.  DISPUTED TRANSACTIONS. 
      
           You should inspect each Statement you receive and tell us about any 
      errors or questions you have, as described in the �Billing Rights Summary� 
      on your Statement and in this Agreement. 
           If we credit your Account for all or part of a disputed transaction, 
      you give us all of your rights against others regarding that transaction. You 
      will also: 
       1.  give us any information about the disputed transaction, if we ask; 
       2.  not pursue (or cease your current pursuit of)  any claim or 
          reimbursement of the transaction amount from the merchant or any 
          other person; and 
       3.  help us get reimbursement from others. 
      
     SECTION 16.  NO WARRANTIES. 
           We are not responsible for any claim you may have regarding the 
      purchase of goods or services made with your Card beyond your rights 
      described in the �Billing Rights Summary� on your Statement and in this 
      Agreement. 
      
     SECTION 17.  LOST OR STOLEN CARD. 
           If your Card is lost or stolen or if you think someone else may be 
      using your Card or Account without your permission, you must contact us at 
      1-877-327-7310 immediately. You will not be responsible for transactions 
      on your Account that we find are unauthorized. 
           If we reimburse you for unauthorized transactions, you will help us 
      investigate, pursue and get reimbursement from the wrongdoer. Your help 
      includes giving us documents in a form that we request. 
      
     SECTION 18.  INTEREST CHARGES. 
           We use a method called Average Daily Balance (excluding new 
      Regular Credit Plan purchases) to calculate the Interest Charges. 
       1.  First, for each day in the Billing Cycle for each Credit Plan, we take the 
          beginning balance (excluding any accrued Interest Charges not posted 
          to the Account), add any new charges and Fees and subtract any 
          payments and credits for each Credit Plan as described in the �How We 
          Apply Your Payments� Section of this Agreement. The result is the 
          daily balance for each Credit Plan. 
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       2.  Next, for each Credit Plan, we add the daily balances together and 
          divide the sum by the number of days in the Billing Cycle. The result 
          is the Average Daily Balance for each Credit Plan. 
       3.  At the end of each Billing Cycle, we multiply your  Average Daily 
          Balance for each Credit Plan by the daily periodic rate for that Credit 
          Plan, and then we multiply the result by the number of days in the Billing 
          Cycle. 
       4.  We add the Interest Charges for all Credit Plans together. The result is 
          your total Interest Charge for the Billing Cycle. 
           For purposes of the above calculations, accrued Interest Charges are 
      added (posted) to the daily balance of each Credit Plan on the last day of the 
      Billing Cycle. Fees are added to the Regular Credit Plan as part of the daily 
      balance on the day they are posted to the Account. A Late Payment Fee is 
      treated as a new Regular Credit Plan purchase in the Billing Cycle it is 
      assessed. For Regular Credit Plan purchases, new purchases become part of 
      the Account balance on the transaction date, but when we calculate daily 
      balances for the purpose of computing Interest Charges, we do not add any 
      new purchases made during the Billing Cycle until the first day of the new 
      Billing Cycle following the date of the purchase. Due to rounding or a min- 
      imum Interest Charge, this calculation may vary slightly from the Interest 
      Charge actually assessed. 
           The daily periodic rate that is used to determine your Interest Charges 
      for each Credit Plan is 1/365th of your Annual Percentage Rate (APR) for 
      each such Credit Plan. 
      
           We will charge the Interest Charges and Fees to your Account as 
      disclosed in your Important Disclosure Insert, promotional material for 
      Promotional Credit Plans and your Statement. If you paid your Regular 
      Credit Plan balance in full and you made the Minimum Payment due on 
      your Promotional Credit Plans by the due date on your prior Statement, then 
      (1) if you again pay your Regular Credit Plan balance in full and you make 
      the Minimum Payment due on your Promotional Credit Plans by   the due 
      date on your current Statement, we will not charge you any new Interest 
      Charges on new purchases made under your Regular Credit Plan during the 
      current Billing Cycle, and (2) if you pay at least your Mini- mum Payment 
      due for the current Billing Cycle but less than the amount described in 
      clause (1), we will treat your payment as if it was made on  the first day of 
      the current Billing Cycle when we calculate your Interest Charges on new 
      purchases made under your Regular Credit Plan. 
           In general, unless otherwise indicated in promotional terms, Inter- 
      est Charges for Promotional Credit Plan purchases begin to accrue from 
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      the date of the purchase until paid in full, and there is no grace period to 
      avoid Interest Charges on Promotional Credit Plans. 
           We may increase your Interest Charges and Fees as described in the 
      �Changes to Your Agreement� section of this Agreement. 
           If we charge you interest, the charge will be no less than $2 and will 
      be allocated among all Credit Plan balances that accrue interest at our 
      discretion. 
     SECTION 19.  LATE PAYMENT FEE. 
           We may charge you this Fee if we do not receive at least your Min- 
      imum Payment as instructed on your Statement by the payment due date. 
      
                                         Late Payment Fee 
                                        - if another payment 
                         Late Payment Fee  is late during the 
        Outstanding Balance on  - first time your  6 Billing Cycles after 
         Payment Due Date  payment is late.  any late payment. 
       Up to and including $100  $15          $15 
       More than $100.00      $27             $38 
      
     SECTION 20.  INTEREST CHARGES. 
           We may charge you a Fee of up to $27 when your financial 
      institution rejects a payment you make to us for any reason. We will only 
      charge you one Returned Payment Fee, even if we submit that payment 
      more than once to your financial institution for payment. 
      
     SECTION 21.  MINIMUM PAYMENT. 
           You must pay at least the Minimum Payment due by the payment 
      due date each month. The Minimum Payment for your Account includes the 
      minimum payment on each Credit Plan, including any Promotional Credit 
      Plan with a special minimum payment calculation and your Regular Credit Plan. 
           To determine the total Minimum Payment due, we add together the 
      following: a) your Regular Credit Plan Minimum Payment, which is equal 
      to the greater of (i) $25 or (ii) 1% of the total of your Regular Credit Plan 
      purchases balance plus any billed Interest Charges; and b) the Minimum 
      Payment for each Promotional Credit Plan purchase balance using the pre- 
      viously disclosed special repayment terms provided to you when you made 
      your purchase (if applicable), rounded to the next highest dollar, and c) late 
      payment fees and other fees and charges, and d) any past due amount for 
      any Credit Plan. We then round this total to the next highest dollar. 
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     Your Statement will tell you: 
          1.  the Minimum Payment due, 
          2.  your new balance, 
          3.  the payment due date, and 
          4.  an explanation of when the payment must reach us for us to 
            consider it received as of that date. 
      
           Returns and other credits to your Account will reduce your Account 
      balance, but they will not change your Minimum Payment amount. 
      
           If your Account is 120 days past due, is part of a bankruptcy 
      proceeding, or is otherwise charged off, the total balance is immediately due 
      and payable. 
      
     SECTION 22.  MAKING PAYMENTS. 
      
           Your payment must be made in U.S. dollars from a U.S. deposit 
      account in a form acceptable to us. We do not accept any payments at dealer 
      locations or cash payments. 
      
           You may not make payments with funds from your Account or any 
      other credit account with us. You must send mailed payments to us as 
      instructed on your Statement, unless we tell you otherwise. 
      
           You must mail all payment items (such as checks) (�Item(s)�) 
      bearing restrictive words, conditions, limitations, or special instructions to: 
      P.O. Box 84240, Sioux Falls, SD 57118. This includes Items marked �Paid 
      in Full� or similar language. This also includes all accompanying 
      communications. If you make such a payment or send any accompanying 
      communications to any other address, we may reject it and return it to you. 
      We may also accept it and process it without losing any of our rights. 
      
     SECTION 23.  OTHER PAYMENT SERVICES. 
      
           We may make services available that allow you to make faster or 
      recurring payments online or by telephone. We will describe the terms for 
      using these services and any applicable Fee before you use them. You do 
      not have to use these other payment services. 
      
           We are not responsible if your financial institution rejects a payment 
      made using our payment services. 
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           If you ask someone else to make a payment for you, we may provide 
      that person with limited Account information necessary to set up and 
      process that payment. We may also refuse to accept that payment. If we do 
      accept it, you will be responsible for that payment even if a financial 
      institution rejects it. 
     SECTION 24.  PAYMENT PROCESSING. 
      
           We may accept and process payments without losing any of our 
      rights. We may delay the availability of credit until we confirm that your 
      payment has cleared. This may happen even if we credit your payment to 
      your Account.  We may resubmit and collect returned payments 
      electronically. If necessary, we may adjust your Account to correct errors, 
      process returned and reversed payments, and handle similar issues. 
      
           When you send us an Item as payment, you authorize us to make   a 
      onetime electronic funds transfer from your deposit account.  We may 
      withdraw the funds from your deposit account as early as the same day we 
      receive your payment. You will not receive your Item back from your bank. 
      We will provide additional information about this process on your 
      Statement. 
      
           We may use the information from an Item to create an electronic 
      image. We may collect and return the image electronically. This electronic 
      image may also be converted to a substitute check and may be processed in 
      the same way we would process an Item. We are not responsible if an Item 
      you provide has physical features that, when imaged, result in it not being 
      processed as you intended. 
     SECTION 25.  HOW WE APPLY YOUR PAYMENTS. 
      
           In each Billing Cycle, we generally apply payments up to your 
      Minimum Payment amount to satisfy the Minimum Payment due on each 
      Credit Plan, first to the highest APR Credit Plan balance and then to Credit 
      Plan balances with lower APRs. We apply any part of your payment 
      exceeding your Minimum Payment amount to the Credit Plan balance with 
      the highest APR, and then to Credit Plan balances with lower APRs. We do 
      this based on the APRs in effect and balances owed on the day your preceding 
      Billing Cycle ended. If more than one Credit Plan balance has the same APR, 
      we will apply the payment to the oldest Credit Plan balance first. 
     SECTION 26.  CREDIT BALANCES. 
      
           We may reject and return any payment that creates or adds to a 
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      credit balance on your Account. Any credit balance we allow will not be 
      available until we confirm that your payment has cleared. We may reduce 
      the amount of any credit balance by any new charges. You may write to the 
      address provided on your Statement or call us at 1-877-327-7310 to request 
      a refund of any available credit balance. 
     SECTION 27.  ACCOUNT DEFAULT. 
      
           You will be in default if: 
                1.   you do not make any payment when it is due; 
                2.   any payment you make is rejected, not paid or cannot 
              be processed; 
                3.   you file or become the subject of a bankruptcy or 
              insolvency proceeding; 
                4.   you  are  unable  or  unwilling  to  repay  your 
            obligations, including upon death or legally declared incapacity; 
                5.   we determine that you made a false, incomplete or 
            misleading statement to us, or you otherwise tried to defraud us; or 
                6.   you do not comply with any term of this Agreement 
            or any other agreement with us. 
      
           If you are in default, we may take certain actions with respect to 
      your Account. For example, depending on the default, we may take the 
      following actions, without notifying you, unless the law says that we must 
      give you notice: 
                 1.  charge you Fees, as permitted under the Agreement; 
                 2.  if so disclosed under a Promotional Credit Plan, 
            terminate the special promotional terms and apply the terms that 
            apply to Regular Credit Plan purchases including changes to your 
            APR and Minimum Payments; 
                 3.  close or suspend your Account; 
                 4.  lower your credit limit(s); 
                 5.  demand that you immediately pay the total balance 
            owing on your Account including all promotional balances; 
                 6.  exercise our rights as a secured  party,  including 
            taking possession of any goods which remain subject to our Security 
            Interest (as provided in the �Security Interest� section of this 
                               11 
            
            Agreement), when allowed by law; 
      
                 7.  continue to charge you Interest Charges and Fees as 
            long as your balance remains outstanding; and/or 
                 8.  file a lawsuit against you or pursue another action that 
            is not prohibited by law. If we file a lawsuit, you  agree to pay our 
            court costs, expenses and attorney fees, unless the law does not 
            allow us to collect these amounts. 
     SECTION 28.  COMMUNICATIONS. 
      
           You agree that we may contact you at any phone number, email 
      address or mailing address you provide to us, including mobile devices. You 
      agree that from time to time we may monitor and record telephone calls made 
      or received by us or our agents regarding your Account to assure the quality 
      of our service. In order for us to service the Account or to collect any 
      amounts you may owe, and subject to applicable law, you agree that we may 
      from time to time make calls and send text messages to you using 
      prerecorded/artificial voice messages or through the use of an automatic 
      dialing device at any telephone number you provide to us in connection with 
      your Account at any time, including a mobile telephone number that could 
      result in charges to you. 
     SECTION 29.  CREDIT REPORTS. 
      
           We may report information about your Account, including about you 
      and any Authorized Users, to credit bureaus and others.  Late payments, 
      missed payments, or other defaults on your Account may be reflected in 
      your credit report. Information we provide may appear on your credit report. 
      
           If you believe that we have reported inaccurate information about 
      your Account to a credit bureau or other consumer reporting agency, notify 
      us in writing at P.O. Box 84240, Sioux Falls, SD 57118. When you write, 
      tell us the specific information that you believe is incorrect and why you 
      believe it is incorrect. We will research the issue and let you know if we 
      agree or disagree with you. If we agree, we will contact each consumer 
      reporting agency we reported to and request a correction. 
      
           We may obtain and use credit, income and other information about 
      you from credit bureaus and others as the law allows. 
                               12 
            
     SECTION 30.  CLOSING OR SUSPENDING YOUR ACCOUNT. 
           You may contact us at 1-877-327-7310 to ask us to close your Account. 
      
           We may close or suspend your Account at any time and for any 
      reason permitted by law, even if you are not in default. 
      
           If your Account is closed or suspended by either you or us for any 
      reason, you must stop using your Card. If we close or permanently suspend 
      your Account, you must return or destroy all Cards. You must still pay us all 
      amounts you owe on the Account, including any amounts that post to your 
      Account after it is closed or suspended. 
     SECTION 31.  CHANGES TO YOUR AGREEMENT. 
      
           At any time, we may add, delete or change any term of this 
      Agreement, unless the law prohibits us from doing so. We will give you 
      notice of any changes as required by law. We may notify you of changes on 
      your Statement or in a separate notice. Our notice will tell you when and 
      how the changes will take effect. The notice will describe any rights you 
      have in connection with the changes. If we increase your APR for any 
      reason, or if we change your Fees or other terms of your Account, we will 
      notify you as required by law. 
     SECTION 32.  THE LAW THAT APPLIES TO YOUR AGREEMENT. 
      
           We make decisions to grant credit and issue you a Card from our 
      offices in Utah. This Agreement is governed by applicable federal law and 
      by Utah law. If any part of this Agreement is unenforceable, the remaining 
      parts will remain in effect. 
      
     SECTION 33.  WAIVER. 
      
           We will not lose any of our rights if we delay or choose not to take 
      any action for any reason. We may waive our right without notifying you. 
      For example, we may waive your Interest Charges or Fees without notifying 
      you and without losing our right to charge them in the future. 
     SECTION 34.  ASSIGNMENT. 
      
           This Agreement will be binding on, and benefit, any of your and our 
      successors and assigns. You may not sell, assign or transfer your Account 
      or this Agreement to someone else without our written permission. 
                               13 
      
           We may sell, assign or transfer your Account and this Agreement 
      including the receivables associated therewith and any of the rights and 
      benefits of this Agreement without your permission and without prior notice 
      to you. Any assignee or assignees will take our place under this Agreement. 
      You must pay them and perform all of your obligations to them and not us. 
      If you pay us after we notify you that we have transferred your Account or 
      this Agreement, we can return the payment to you, forward the payment to 
      the assignee, or handle it in another way that is reasonable. 
           We may also engage agents, authorized representatives, and other 
      service providers, all of which may act for us under this Agreement and rely 
      on the rights given to us under this Agreement. 
     SECTION 35.  GLOSSARY. 
            �Account� means your Yamaha Credit Card Account with 
           WebBank. 
           �Annual Percentage Rate� means your interest rate stated as a 
      yearly rate. 
           �Billing Cycle� means the period of time reflected on a Statement. 
      This period may vary in length, but is approximately 30 days. You will have 
      a Billing Cycle even if a Statement is not required. We will often specify a 
      Billing Cycle by the month in which its closing date occurs. For example, a 
      �March Billing Cycle� will have a closing date in March. We may also refer 
      to a Billing Cycle as a �Billing Period.� If your Account balance has charged 
      off, we may switch to quarterly Billing Cycles for your Account. 
           �Card� means any  WebBank credit card associated with your 
      Account. This includes all renewals and substitutions. It also means any 
      other access device for your Account we give you that allows you to obtain 
      credit, including any Account number. 
           �Credit Plans� mean the Promotional Credit Plans we offer from 
      time to time and the Regular Credit Plan that applies to your purchases. The 
      sum of your Credit Plan balances equals your total Account balance. 
           �Fees� mean charges imposed on your Account not based on the 
      Annual Percentage Rates. 
           �Interest Charges� mean any charges to your Account based on the 
      application of Annual Percentage Rates. 
           �Item� means a check, draft, money order or other negotiable 
                               14       
      instrument you use to pay your Account. This includes any image of these 
      instruments. 
      
           �Minimum Payment� is the total of the minimum payments required 
      for each Credit Plan and at least this amount must be paid by the payment 
      due date indicated on your Statement. 
      
           �Promotional Credit Plans� are different parts of your Account we 
      may establish for purchases that are subject to special interest rates (APRs), 
      pricing, repayment or other terms. 
      
           �Regular Credit Plan� means the interest rate (APR), pricing, 
      repayment terms and other terms included in this Agreement for purchases 
      that are not made under Promotional Credit Plans. 
      
           �Statement� means a document showing important Account 
      information, including all transactions billed to your Account during a 
      Billing Cycle and information about what you must pay. We may also refer 
      to your Statement as a �Periodic Statement� or a �Billing Statement.� 
     SECTION 36.  ARBITRATION. 
      
           RESOLUTION OF DISPUTES: THIS ARBITRATION PROVISION 
      LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN 
      YOU AND US AND OTHERS. YOU HAVE THE RIGHT TO REJECT 
      THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW. 
      
            a.  Either you or we may, at your or our sole election, require 
      that the sole and exclusive forum and remedy for resolution of       a Claim 
      be final and binding arbitration pursuant to this section (the �Arbitration 
      Provision�), unless you opt out as provided in section (b) below. Yamaha 
      (including  its  affiliates  and  dealers),  or  any  subsequent  holder  of  this 
      Agreement or any interest in your Account or any subsequent purchaser, 
      holder or assignee of any receivables arising under your Account (collectively, 
      �subsequent holder�), may also elect arbitration of any Claim as provided in 
      this Arbitration Provision. As used in this Arbitration Provision, �Claim� shall 
      include any past, present, or future claim, dispute, or controversy involving you 
      (or persons claiming through or connected with you), on the one hand, and us 
      and/or Yamaha and/or any subsequent holder (or persons claiming through or 
      connected with us and/or Yamaha and/or the subsequent holders), on the other 
      hand, relating to or arising out of your application for and origination of this 
      Account, this Agreement, your Account, or the relationship between you and 
      us, including (except to the extent provided otherwise in the last sentence of 
                               15 
            
      section (f) below) the validity or enforceability of this Arbitration Provision, 
      any part thereof, or the entire Agreement. Claims are subject to arbitration 
      regardless of whether they arise from contract; tort (intentional or otherwise); a 
      constitution, statute, common law, or principles of equity; or otherwise. Claims 
      include matters arising as initial claims, counter-claims, cross-claims, third-
      party claims, or otherwise. The scope of this Arbitration Provision is to be given 
      the broadest possible interpretation that is enforceable. 
      
            b.  You may opt out of this Arbitration Provision for all purposes 
      by sending an arbitration opt out notice to P.O. Box 84240, Sioux Falls, SD 
      57118, which is received at the specified address within 30 days of the date 
      that you applied for an Account. The opt out notice must clearly state that 
      you are rejecting arbitration; identify the Account to which it applies by 
      date; provide your name, address, and social security number; and be signed 
      by you. You may send an opt out notice in any manner you see fit as long 
      as it is received at the specified address within the specified time. No other 
      methods can be used to opt out of this Arbitration Provision. If the opt out 
      notice is sent on your behalf by a third party, such third party must include 
      evidence of his or her authority to submit the opt out notice on your behalf. 
      
            c.  The party initiating arbitration shall do so with the American 
      Arbitration Association (the �AAA�) or Judicial Alternatives and Mediation 
      Services (�JAMS�). The arbitration shall be conducted according to, and the 
      location of the arbitration shall be determined in accordance with, the rules 
      and policies of the administrator selected, except to the extent the rules 
      conflict with this Arbitration Provision or any applicable law. If you have any 
      questions concerning the AAA or would like to obtain a copy of the AAA 
      arbitration rules, you may call 1(800) 778-7879 or visit the AAA�s web site 
      at: www.adr.org. If you have any questions concerning JAMS or would like 
      to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 
      or visit their web site at: www.jamsadr.com. In the case of a conflict between 
      the rules and policies of the administrator and this Arbitration Provision, this 
      Arbitration Provision shall control, subject to applicable law, unless all parties 
      to the arbitration consent to have the rules and policies of the administrator 
      apply. In the event that neither of the above named administrators is available, 
      the party requesting arbitration may choose an alternative arbitrator or arbitration 
      provider. 
      
            d.  If we (or Yamaha or any subsequent holder) elect arbitration, 
      we (or Yamaha or the subsequent holder, as the case may be) shall pay all the 
      administrator�s filing costs and administrative fees (other than hearing fees). 
      If you elect arbitration, filing costs and administrative fees (other than hearing 
      fees) shall be paid in accordance with the rules of the administrator selected, 
      or in accordance with applicable law if contrary to the administrator�s rules. 
                               16 
            
      We (or Yamaha or the subsequent holder, as the case may be) shall pay the 
      administrator�s hearing fees for one full day of arbitration hearings. Fees for 
      hearings that exceed one day will be paid by the party requesting the hearing, 
      unless the administrator�s rules or applicable law require otherwise, or you 
      request that we (or Yamaha or the subsequent holder) pay them and we agree 
      (or Yamaha or the subsequent holder agrees) to do so. Each party shall bear 
      the expense of its own attorneys� fees, except as otherwise provided by 
      applicable law. If a statute gives you the right to recover any of these fees, 
      these statutory rights shall apply in the arbitration notwithstanding anything 
      to the contrary herein. 
      
            e.  Within 30 days of a final award by the arbitrator, any party may 
      appeal the award for reconsideration by a three-arbitrator panel selected 
      according to the rules of the arbitration administrator. In the event of such 
      an appeal, any opposing party may cross-appeal within 30 days after notice 
      of the appeal. The panel will reconsider de novo all aspects of the initial 
      award that are appealed. Costs and conduct of any appeal shall be governed 
      by this Arbitration Provision and the administrator�s rules, in the same way 
      as the initial arbitration proceeding. Any award by the individual arbitrator 
      that is not subject to appeal, and any panel award on appeal, shall be final 
      and binding, except for any appeal right under the Federal Arbitration Act 
      (�FAA�), and may be entered as a judgment in any court of competent 
      jurisdiction. 
      
            f.  We (and Yamaha and any subsequent holder) agree not to invoke 
      our right to arbitrate an individual Claim you may bring in Small Claims Court 
      or an equivalent court, if any, so long as the Claim is pending only in that court. 
      We (or Yamaha or any subsequent holder) will not initiate an arbitration 
      proceeding to collect a debt from you unless you assert a Claim against   us 
      (or  Yamaha or any subsequent holder).  You may seek  arbitration  in  a 
      proceeding to collect a debt.  We (or Yamaha or any subsequent holder) may 
      seek arbitration in a proceeding to collect a debt if you assert a Claim against 
      us  (or  Yamaha or  any subsequent holder). NO  ARBITRATION SHALL 
      PROCEED ON A CLASS, REPRESENTATIVE, OR  COLLECTIVE BASIS 
      (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF 
      OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT 
      OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR 
      COULD  HAVE  BEEN  ASSERTED)  IN  A  COURT AS CLASS, 
      REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless 
      consented to in writing by all parties to the arbitration, no party to the 
      arbitration may join, consolidate, or otherwise bring claims for or on behalf of 
      two or more individuals or unrelated corporate entities in the same arbitration 
      unless those persons are parties to a single transaction. Unless consented to in 
      writing by all parties to the arbitration, an award in arbitration shall determine 
                               17 
            
      the rights and obligations of the named parties only, and only with respect to 
      the claims in arbitration, and shall not (a) determine the rights, obligations, or 
      interests of anyone other than a named party, or resolve any Claim of anyone 
      other than a named party; nor (b) make an award for the benefit of, or 
      against, anyone other than a named party. No administrator or arbitrator 
      shall have the power or authority to waive, modify, or fail to enforce this 
      section (f), and any attempt to do so, whether by rule, policy, arbitration 
      decision or otherwise, shall be invalid and unenforceable. Any challenge to 
      the validity of this section (f) shall be determined exclusively by a court and 
      not by the administrator or any arbitrator. 
      
            g.  This Arbitration Provision is made pursuant to a transaction 
      involving interstate commerce and shall be governed by and enforceable 
      under the FAA. The arbitrator will apply substantive law consistent with the 
      FAA and applicable statutes of limitations. The arbitrator may award damages 
      or other types of relief permitted by applicable substantive law, subject to the 
      limitations set forth in this Arbitration Provision. The arbitrator will not be 
      bound by judicial rules of procedure and evidence that would apply in a court. 
      The arbitrator shall take steps to reasonably protect confidential information. 
      
            h.  This  Arbitration Provision  shall  survive  (i)  suspension, 
      termination, revocation, closure, or amendments to this Agreement and the 
      relationship of the parties and/or Yamaha or a subsequent holder; (ii) the 
      bankruptcy or insolvency of any party or other person; and (iii) any transfer of 
      the Account or this Agreement, or any interest in, or receivables arising under, 
      the Account or this Agreement, to any other person or entity. If any portion of 
      this Arbitration Provision other than section (f) is deemed invalid or 
      unenforceable, the remaining portions of this Arbitration Provision shall 
      nevertheless remain valid and in force. If an arbitration is brought on a class, 
      representative, or collective basis, and the limitations on such proceedings 
      in section (f) are finally adjudicated pursuant to the last sentence of section 
      (f) to be unenforceable, then no arbitration shall be had. In no event shall 
      any such invalidation be deemed to authorize an arbitrator to determine 
      Claims  or make awards beyond those  authorized  in this Arbitration 
      Provision. 
      
           THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT 
      TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR 
      JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS 
      ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. 
      SUBJECT TO SECTION (b), THE PARTIES HEREBY KNOWINGLY 
      AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH 
      CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION 
      OF ARBITRATION BY ANY PARTY. 
                               18 
            
     SECTION 37.  YOUR BILLING RIGHTS. 
      
           This notice tells you about your rights and our responsibilities under 
      the Fair Credit Billing Act. 
                                
                     YOUR BILLING RIGHTS 
           Keep This Notice 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 as soon as possible at: 
      P.O. Box 84240, Sioux Falls, SD 57118. 
           In your letter, give us the following information: 
           �  Account information: Your name and account number. 
           �  Dollar amount: The dollar amount of the suspected error. 
           �  Description of problem: If you think there is an error on your 
              bill, describe what you believe is wrong and why you believe it 
              is a mistake. 
           You must contact us: 
           �  Within 60 days after the error appeared on your statement. 
           �  At least 3 business days before an automated payment is 
              scheduled, if you want to stop payment on the amount you 
              think is wrong. 
      
           You must notify us of any potential errors in writing. You may call 
      us or notify us electronically, but if you do, we are not required to 
      investigate any potential errors and you may have to pay the amount in 
      question. 
           What Will Happen After We Receive Your Letter. 
           When we receive your letter, we must do two things: 
                  1.  Within 30 days of receiving your letter, we must tell 
           you that we received your letter. We will also tell you if we have 
           already corrected the error. 
      
                  2.  Within 90 days of our receipt of your letter, we will 
           send you a written notice explaining either that we corrected the 
                               19 
            
           error (to appear on your next statement) or the reasons we believe 
           the bill is correct. 
      
      While we investigate whether or not there has been an error, the following 
      are true: 
      
         �  We cannot try to collect the amount in question, or report you as 
           delinquent on that amount. 
         �  The charge in question may remain on your statement, and we may 
           continue to charge you interest on that amount. 
         �  While you do not have to pay the amount in question until we send 
           you a notice about the outcome of our investigation, you  are 
           responsible for the remainder of your balance. 
         �  We can apply any unpaid amount against your credit limit. 
      After we finish our investigation, one of two things will happen: 
         �  If we made a mistake: You will not have to pay the amount in 
           question, or any interest or other fees related to that amount. 
      
         �  If we do not believe there was a mistake: You will have to pay the 
           amount in question, along with applicable interest and fees. We will 
           send you a statement of the amount you owe, and the date payment 
           is due. We may then report you as delinquent if you do not pay 
           the amount we think you owe. 
      
      If you receive our explanation but still believe your bill is wrong, you must 
      write to us within 10 days telling us that you still refuse to pay.  If you do 
      so, we cannot report you as delinquent without also reporting that you are 
      questioning your bill. We must tell you the name of anyone to whom we 
      reported you as delinquent, and we must let those organizations know when 
      the matter has been settled between us. 
      
      If we do not follow all of the rules above, you do not have to pay the first 
      $50 of the amount you question even if your bill is correct. 
      
      Your Rights If You Are Dissatisfied With Your Credit Card 
      Purchases. 
      
      If you are dissatisfied with the goods or services that you have purchased 
      with your credit card, and you have tried in good faith to correct the problem 
      with the merchant, you may have the right not to pay the remaining amount 
                               20 
            
      due on the purchase. To use this right, 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 (n ote : Neither of these 
           is necessary if your purchase was based on an advertisement we 
           mailed to you, or if we own the company that sold you the goods or 
           services); 
      
                  2.  You must have used your credit card for the purchase. 
           Purchases made with cash advances from an ATM or with a check 
           that accesses your credit card account do not qualify; and 
                  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:  P.O. Box 84240, Sioux Falls, SD 57118. 
      
      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. 
                               21 
            
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
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                                                             Rev. Feb. 2020 
              Yamaha Motor Finance Corporation, U.S.A. 
                 WHAT DOES YAMAHA MOTOR FINANCE CORPORATION, U.S.A. DO WITH YOUR 
      FACTS 
                 PERSONAL INFORMATION? 
      
      Why?       Financial companies choose how they share your personal information. Federal law gives consumers 
                 the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, 
        
                 and protect your personal information. Please read this notice carefully to understand what we do. 
      
      What?      The types of personal information we collect and share depend on the product or service you have 
                 with us. This information can include: 
                  
                 ?  Social Security Number        and  Credit History / Scores 
       
                 ?  Account Balances                 and    Transaction History 
       
                 ?  Payment History  and   Employment Information and Income 
       
                                            
                  
      
      How?       All financial companies need to share customers� personal information to run their everyday business. 
                 In the section below, we list the reasons financial companies can share their customers� personal 
                 information; the reasons Yamaha Financial Services chooses to share; and whether you can limit this 
                 sharing. 
      
      Reasons we can share your personal  Does Yamaha Financial  Can you limit 
      information                        Services share?    this sharing? 
                                              Yes               No 
      For our everyday business purposes� 
      such as to process your transactions, maintain your 
      account(s), respond to court orders and legal 
      investigations, or report to credit bureaus 
                                              Yes               No 
      For our marketing purposes� 
      to offer our products and services to you 
                                              Yes               No 
      For joint marketing with other financial companies 
                                              Yes               No 
      For our affiliates� everyday business purposes� 
      information about your transactions and experiences 
                                              Yes               Yes 
      For our affiliates� everyday business purposes� 
      information about your creditworthiness 
                                              Yes               Yes 
      For our affiliates to market to you 
                                              Yes               Yes 
      For nonaffiliates to market to you 
      
      To limit our  ?  Call 800-962-7926 � our menu will prompt you through your choice(s).  
                     
      sharing 
                    Please note: If you are a new customer, we can begin sharing your information (30) days from 
                    the date we sent this notice.  When you are no longer our customer, we continue to share your 
                   information as described in this notice. 
                 However, you can contact us at any time to limit our sharing.  
      
      Questions?  Call 800-962-7926. You can also email your questions to privacy@yamahafinancialservices.com 
      
      
      
      
      
       
                              Yamaha Motor Finance Corporation, U.S.A. 
      Page 2   
      
      Who we are 
      Who is providing this notice?  Yamaha Motor Finance Corporation, U.S.A. 
      
      What we do                  
      How does Yamaha Financial Services  To protect your personal information from unauthorized access and use, 
      protect my personal information?  we use security measures that comply with federal law. These measures 
                                 include computer safeguards and secured files and buildings. 
      How does Yamaha Financial Services  We collect your personal information, for example, when you 
      collect my personal information? 
                                 ?  Open an account  or  Apply for financing 
                                 ?  Pay your bills  or  Apply for a loan 
                                 ?  Use your credit or debit card 
                                 We also collect your personal information from others, such as 
                                 credit bureaus, affiliates or other companies. 
      Why can�t I limit all sharing?  Federal law gives you the right to limit only 
                                 ?  sharing for affiliates� everyday business purposes� 
                                    information about your creditworthiness 
                                 ?  affiliates from using your information to market to you 
                                 ?  sharing for nonaffiliates to market to you 
                                 State laws and individual companies may give you additional rights to 
                                 limit sharing. See below for more on your rights under state law.  
      What happens when I limit sharing for an  Your choices will apply to everyone on your account. 
      account I hold jointly with someone else? 
      
      Definitions 
      Affiliates                 Companies related by common ownership or control. They can 
                                 be financial and nonfinancial companies. 
                                 ?  Our affiliates include Yamaha Motor Co., Ltd., and Yamaha Motor 
                                    Corporation, U.S.A. 
      Nonaffiliates              Companies not related by common ownership or control. They 
                                 can be financial and nonfinancial companies. 
                                 ?  Nonaffiliates we share with can include insurance companies, 
                                    service providers, co-branded partners, retailers, data processors, 
                                    and advertisers. 
      Joint marketing            A formal agreement between nonaffiliated financial companies 
                                 that together market financial products or services to you. 
                                 ?  Our joint marketing partners include companies such as other 
                                    finance companies, banks, and insurance companies 
      
      Other important information 
      California and Vermont Residents: We will not share your information with companies outside of Yamaha Motor 
      Finance Corporation, U.S.A., except for our everyday business purposes, for marketing our products and services to you 
      or with your consent. 
      Vermont Residents only: We will not disclose credit information about you within or outside the Yamaha Motor Finance 
      Corporation, U.S.A. family of companies except as required or permitted by law. 
      Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1 800 962 
      7926. If you would like more information about telemarketing practices, you may contact us at Yamaha Motor Finance 
      Corporation, U.S.A., Attn: Privacy Department, 6555 Katella Avenue, Cypress, California 90630-5101 or at 
      privacy@yamahafinancialservices.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of 
      the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-
      3132; e-mail: BCPINFO@ag.state.nv.us. 
      Texas Residents:  Yamaha Motor Finance Corporation, U.S.A. is licensed and examined under the laws of the State of 
      Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer 
      wishing to file a complaint against Yamaha Motor Finance Corporation, U.S.A. should contact the Office of Consumer 
      Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, 
      Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: 
      consumer.complaints@occc.texas.gov. Website: www.occc.texas.gov.  
      Telephone Communications: All telephone communications with us or our authorized agents may be monitored or 
      recorded. 
      * Notice provided by: Yamaha Motor Finance Corporation, U.S.A.  
      
                                                                  Rev. Feb. 2020 
                                                                             
                       WHAT DOE WebBank DO WITH YOUR PERSONAL INFORMATION IN 
           FACTS       CONNECTION WITH YOUR YAMAHA MOTOR FINANCE CORPORATION, 
                                            U.S.A ACCOUNT? 
                    Financial companies choose how they share your personal information. Federal law gives 
                    consumers the right to limit some but not all sharing. Federal law also requires us to tell 
        Why? 
                    you how we collect, share and protect your personal information. Please read this notice 
                    carefully to understand what we do. 
                    The types of personal information we collect and share depend on the product or service 
                    you have with us. This information can include:  
                       � Social Security number and transaction history
        What?          � payment history and account balances
                       � credit history and credit scores
                    When you are no longer our customer, we continue to share your information as 
                    described in this notice. 
                    All financial companies need to share customers' personal information to run their 
                    everyday business. In the section below, we list the reasons financial companies can share 
        How? 
                    their customers' personal information; the reasons WebBank chooses to share; and 
                    whether you can limit this sharing. 
            Reasons we can share your personal   Does WebBank     Can you limit this 
                      information                   share?           sharing? 
        For our everyday business purposes �  
        such as to process your transactions, maintain your 
                                                      Yes               No 
        account(s), respond to court orders and legal 
        investigations, or report to credit bureaus 
        For our marketing purposes �  
                                                      Yes               No 
        to offer our products and services to you 
        For joint marketing with other financial companies  No     We don't share 
        For our affiliates' everyday business purposes �  
                                                      No           We don't share 
        information about your transactions and experiences 
        For our affiliates' everyday business purposes � 
                                                      No           We don't share 
        information about your creditworthiness 
        For our affiliates to market to you           No           We don't share 
        For nonaffiliates to market to you            No           We don't share 
                    Call toll-free 800-962-7926. You can also email your questions to 
        Questions? 
                    privacy@yamahafinancialservices.com 
        Who we are 
        Who is providing this notice?  WebBank 
        What we do 
                         To protect your personal information from unauthorized access and use, we use 
        How does WebBank  security measures that comply with federal law. These measures include computer 
        protect my personal  safeguards and secured files and buildings. We also maintain other physical, 
        information?     electronic and procedural safeguards to protect this information and we limit 
                         access to information to those employees for whom access is appropriate. 
                         We collect your personal information, for example, when you 
                           �  open an account or apply for financing
        How does WebBank 
                           �  give us your contact information or give us your income information
        collect my personal 
                           �  pay your bills
        information? 
                         We also collect your personal information from others, such as credit bureaus or 
                         other companies. 
                         Federal law gives you the right to limit only 
                           �  sharing for affiliates' everyday business purposes--information about your
                              creditworthiness 
        Why can't I limit all 
                           �  affiliates from using your information to market to you
        sharing? 
                           �  sharing for nonaffiliates to market to you
                         State laws and individual companies may give you additional rights to limit sharing. 
                         See below for more on your rights under state law. 
        Definitions 
                         Companies related by common ownership or control. They can be financial and 
        Affiliates       nonfinancial companies.  
                           �  WebBank does not share with our affiliates.
                         Companies not related by common ownership or control. They can be financial and 
        Nonaffiliates    nonfinancial companies.  
                           �  WebBank does not share with nonaffiliates so they can market to you.
                         A formal agreement between nonaffiliated financial companies that together 
        Joint marketing  market financial products or services to you.  
                           �  WebBank does not jointly market.
        Other important information 
        Special Notice For State Residents: We will also comply with more restrictive state laws to the extent that they 
        apply.           
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
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                                  IMPORTANT INFORMATION 
                                         ENCLOSED 
                                  � Pricing Information 
                                  � Customer Agreement 
                                  � Privacy Notices 
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
         
               V 02/2020