Annual Percentage 
Rate (APR) for 
Purchases  

APR for Balance 
Transfers and Cash 
Advances  

Penalty APR and 
When it Applies  

Interest Rates and Interest Charges 

19.99% 
This APR may vary with the market based on the Prime Rate.  

26.99% This APR will vary with the market based on the Prime Rate.  

29.99% This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your account if you fail to pay all or part 
of your minimum payment due by the payment due date for three 
consecutive billing periods.  
How Long Will the Penalty APR Apply?: If your APR is increased 
for this reason, the Penalty APR will apply until such time as any 
delinquency is cured and you then make six consecutive payments 
when due.  

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 23 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month.  

Minimum Interest 
Charge  

If you are charged interest, the charge will be no less than $2.00  

For Credit Card Tips 
from the Federal 
Reserve Board  

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

Fees  

Set up and 
Maintenance Fees  

•  Annual Fee   None  

Transaction Fees  

•  Balance 
Transfer  
•  Cash Advance 

The greater of $10 or 3% of the amount of the cash advance or balance 
transfer (maximum $90 for convenience checks and balance transfers, 
no maximum for ATM or Financial institution cash advances)  

Penalty Fees  

•  Late Payment   Up to $35  

•  Returned 
Payment  

Up to $35  

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

 
  
  
  
 
Notice may also include a statement of your right to cancel the account prior to the effective date of the 
change. 
The information about the costs of the credit card account described in this application is accurate as of 
September 29, 2011. This information may have changed after that date. To find out what may have 
changed and for the current APR, please write to World Financial Capital Bank (WFCB), PO Box 
183003, Columbus, OH 43218-3003, see the cardmailer with your new credit card (if approved) or visit 
our website at www.mycardcare.com/mypoints-BC. You agree that a credit report may be used in making 
the credit granting decision. 
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT To help the government fight 
the funding of terrorism and money laundering activities, Federal law requires all financial institutions to 
obtain, verify and record information that identifies each person who opens an account. What this means 
for you: When you open an account, we will ask for your name, address, date of birth or other information 
that will allow us to identify you. We may also ask to see your driver’s license or other identifying 
documents. 
The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each 
individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 
California Residents: If you are married, you may apply for a separate account. New York Residents: A 
consumer credit report may be ordered in connection with the processing of an application, or 
subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of 
whether or not a consumer credit report was ordered, and if it was, you will be given the name and 
address of the consumer-reporting agency that furnished the report. New York residents may contact the 
New York state banking department to obtain a comparative listing of credit card rates, fees, and grace 
periods. New York State Banking Department 1(800)518-8866. Rhode Island and Vermont Residents: 
A consumer credit report may be ordered in connection with the processing of an application, or 
subsequently for purposes of review or collection of the account, increasing the credit line on the account, 
or other legitimate purposes associated with the account. Wisconsin Residents: No provision of any 
marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court 
order under Section 766.70 adversely affects the interest of the creditor, World Financial Capital Bank, 
unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or 
decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.  
Customers Receiving Preapproved Credit Offers: You may have been selected for a pre-approved 
credit card account offer from World Financial Capital Bank (“Bank”) based upon the information in your 
credit report which satisfied the Bank’s criteria for creditworthiness. If applicable, you must respond by 
the expiration date of the offer. Credit may not be extended if after you respond, (i) we find that you do 
not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age 
required to create a valid contract; (iii) we determine that you have fraudulently altered the information 
provided to us; or (iv) we receive your response to this offer after such offer has expired.  
You can choose to stop receiving "prescreened" offers of credit from this and other 
companies by calling toll-free 1-888-567-8688.  See PRESCREEN & OPT-OUT 
NOTICE below for more information about prescreened offers.  

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in 
your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not 
meet  our  criteria.  If  you  do  not  want  to  receive  prescreened  offers  of  credit  from  this  and  other 
companies,  call  the  consumer  reporting  agencies  toll-free,  1-888-567-8688;  or  write:  Experian,  PO 
Box 919, Allen, TX 75013; TransUnion, PO Box 97328, Jackson, MS 39288; Equifax, PO Box 740123, 
Atlanta, GA 30374.  

 
Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition 
on use of your credit report information by notifying the above agencies. 

************************************ 
WORLD FINANCIAL CAPITAL BANK 
MYPOINTS REWARDS VISA ACCOUNT AGREEMENT  

This is your Agreement with World Financial Capital Bank for customers of the MyPoints 
Rewards Visa. It covers the use of your credit card account with us. This Agreement may include 
information about promotional Credit Plans. Any information about such Plans will be included in 
the form of an insert, attachment, or other written information provided as part of or with this 
Agreement. Please read this Agreement and keep it for your records. 
THIS AGREEMENT INCLUDES A JURY TRIAL WAIVER IN PARAGRAPH 41.A. AND AN 
ARBITRATION PROVISION IN PARAGRAPH 41.C. IN THE EVENT OF A DISPUTE 
BETWEEN YOU AND US: (1) THE JURY TRIAL WAIVER WILL ELIMINATE THE RIGHT 
TO A TRIAL BY JURY; AND (2) UNLESS YOU ACT PROMPTLY TO REJECT IT, THE 
ARBITRATION PROVISION WILL SUBSTANTIALLY AFFECT YOUR RIGHTS, 
INCLUDING YOUR RIGHT TO BRING, JOIN IN OR PARTICIPATE IN CLASS 
PROCEEDINGS. 
1. Definitions. In this Agreement "you" and "your" refer to Cardholder (if the Account is a joint account, 
“you” and “your” refer to both Cardholders); “we,” “us,” and “our” refer to the MyPoints Rewards Visa; 
“Card” means the MyPoints Rewards Visa card or cards issued by us to you; “Account” means the Card 
account established by us for you; “Credit Plan” means one or more payment program options that we 
may offer from time to time. “ATMs” means automated teller machines. 
2. Scope of Agreement. This Agreement governs your Account and use of the Card we have issued to 
you. If the Account is a joint Account, you and the joint Account holder each will be bound by this 
Agreement and each of you will be jointly and individually responsible for repaying all amounts due 
under this Agreement. We will pay VISA member merchants for goods and services you obtain by use of 
this Account, and we may make other loans (cash advances) to you on the terms provided for in this 
Agreement. 
3. Acceptance of Agreement. You agree to sign (and, if appropriate, have authorized users sign) in the 
space provided for authorized signatures on the Card before the Card is used. Your signature or the 
signature of authorized users on the Card, on any convenience check or on any charge slip for this 
Account, or any use of the Card by you or any authorized user, is your agreement to comply with the 
terms of this Agreement 
4. Consumer Purposes. You agree that the credit extended under your Account will be used only for 
personal, family or household purposes and not for any business or commercial purpose. 
5. Means to Access Account. You may obtain a loan from us under your Account by using your Card or 
a convenience check as follows: by purchasing goods or services with your Card or your Account 
number; by obtaining a cash advance from a financial institution including us, by use of an ATM; by 
using a convenience check; or, by incurring charges authorized by this Agreement. We are not 
responsible if anyone, including a merchant or other institution, refuses to honor the Card or a 
convenience check. 
6. Credit Limit. We will advise you of the credit limit on your Account. A portion of your credit limit, 
called the cash advance limit, will be available for cash advances. We may increase or decrease the credit 
limit or cash advance limit at any time.  
7. Convenience Checks. From time to time, in our sole discretion, we may send you convenience checks 
for use in borrowing under this Agreement. All convenience checks you use will be treated as cash 
advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we 
advise you otherwise. You may not use the convenience checks to make payments on any World 
Financial Capital Bank Account. You agree not to use a convenience check, and we do not have to pay 
any convenience check: (1) if you are in default under this Agreement; (2) if payment of that convenience 
check would cause your outstanding cash advance balance to exceed your cash advance limit; or (3) if we 

cancel or suspend your right to use convenience checks. You also agree to pay any returned check charge 
as described in section 38 of this Agreement. You further agree that convenience checks that you use will 
not be returned to you.  
8. Balance Transfers. From time to time, in our sole discretion, we may offer you the ability to transfer 
account balances from other credit card accounts you may have to the Account. We may, in our sole 
discretion, offer promotional plans for such balance transfers.  
9. ATMs. You may use the Card to obtain cash advances through certain ATMs. You will be given a 
Personal Identification Number (PIN) which must be used in order to obtain an ATM cash advance. Some 
limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency 
denominations. You agree that any charges imposed by third parties for use of their ATM facilities will be 
added to your Account balance as a cash advance.  
10. Additional Cardholders, Authorized Users, and Others Using Your Account. You may authorize 
others to use your Account. At your request, we may issue additional Cards to you. One additional Card 
may be issued with the individual name of an authorized user embossed on the Card. Any other additional 
Cards will be issued in your name. You promise to pay for all purchases and cash advances made by 
anyone you authorize to use your Account with or without a Card, whether or not you notify us that the 
person will be using the Account and whether or not the person exceeds any limits imposed by you on the 
person’s use of the Card. If we have issued another person a Card at your request and you want to end that 
person’s privilege to use your Account, you must notify us by writing to us at the address specified in the 
billing rights section of this Agreement, or by calling us at 1-866-303-5087 (TDD/TTY 1-888-819-1918). 
In order to avoid unauthorized use, you should recover any Card in that person's possession. 
11. Foreign Exchange. If you make a purchase or obtain a cash advance in a foreign currency, it will be 
converted by VISA into U.S. dollars in accordance with Visa’s Operating Regulations in effect at the time 
the transaction is processed. The currency conversion rate in effect on the processing date may differ from 
the rate in effect on the transaction date or the posting date. The currency conversion rate used may be the 
same as, greater than, or less than the amount that would be calculated by conversion through a financial 
institution in the country in which the purchase or cash advance occurred.  
12. Default. You will be in default if you fail to make any payment when due, exceed your credit limit, 
die, become a subject of bankruptcy or insolvency proceedings, do not comply with any of the terms of 
this Agreement, or if you have provided false information to obtain or maintain this Account. If you are in 
default, we may, in our sole discretion, declare all amounts you owe to be immediately due and payable, 
prohibit any further transactions on your Account, cancel the Cards, and revoke any privileges associated 
with the Card. In the event of default, you agree to destroy and/or return all Cards to us or our designee 
upon demand. If you are in default, we may, in our sole discretion, refuse to pay any of your convenience 
checks that are presented to us. If we decide to honor such checks, you will owe us the amount of such 
checks under the terms of this Agreement.  
13. Communication Regarding Account. Until your account is finally settled, you give direct consent to 
receive communications regarding your account to us, any servicers and any collectors of your account, 
through various means such as 1) any cell, landline, or text number that you provide, 2) any email address 
that you provide, 3) auto dialer systems, 4) recorded messages, and other forms of communications. 
Further, you agree that any such communications are not unsolicited for purposes of any state or federal 
law. 
14. Disputes. You agree that monthly billing statements provided to you are correct unless you notify us 
in writing of any alleged errors within the time period prescribed by law. Your rights to dispute billing 
errors are set forth in this Agreement. Even if an amount is in dispute, you agree to pay the required 
minimum payment that is due, less any portion attributable to any disputed amount.  
15. Change in Terms. We may add, change or delete the terms of your Account (including, but not 
limited to, Annual Percentage Rate and other significant changes). If notice is required, it will be mailed 
to you at least forty-five (45) days prior to the effective date of the change. Notice may also include a 
statement of your right to cancel the account prior to the effective date of the change.  

16. Exceeding Credit Limit. You will not use or permit use of any Card or convenience check for any 
purchase or cash advance that would cause your credit limit to be exceeded. You agree that if you seek to 
obtain a credit advance in excess of your credit limit, we may, in our sole discretion, authorize any such 
advance. Without limiting any of our rights under the section of this Agreement entitled “Default,” if the 
Account balance exceeds the credit limit at any time, you will immediately pay us the excess upon 
demand. 
17. Use of Card. We are not responsible if anyone refuses to honor the Card, your Account number, or 
any convenience check, or for any failure of an ATM to process a cash advance request. As discussed in 
the billing rights section of this Agreement, if there is a problem with merchandise or services obtained 
with the Card, you may have the right not to pay the remaining amount due on such merchandise or 
services. However, this right does not apply to merchandise or services obtained with convenience checks 
or from another type of cash advance. We reserve the right not to honor particular transactions, which 
may include, without limitation, transactions related to gambling, ATM usage at casinos, and any illegal 
activities. 
18. Expiration, Renewal and Termination. Cards are issued with an expiration date. We have the right 
not to renew your Account. Without limiting our rights provided in the section of this Agreement entitled 
“Default,” we have the right to revoke the privilege for use of any or all Cards and cancel the Cards and 
terminate this Agreement as to future purchases or cash advances at any time and for any reason. Upon 
termination, you agree to immediately destroy and/or return all Cards and unused convenience checks to 
us. 
19. Obligation For Repayment. In the event the Card or your right to use convenience checks is revoked 
or terminated by us, you agree that your obligations and our rights under this Agreement will remain in 
effect until all balances on your Account incurred before or after revocation or termination are paid in 
full. 
20. Transfer of Rights/Assignment. Your rights under this Agreement cannot be transferred by you, by 
operation of law, or otherwise, but your obligations shall be binding upon your estate or personal 
representatives. We may transfer or assign your Account, and/or this Agreement, or any of our rights 
under this Agreement, to another person or entity at any time without prior notice to you or your consent. 
21. Sharing of Information with Visa U.S.A. You agree that Bank may provide your personal data to 
VISA U.S.A., its Members, or their respective contractors for the purpose of providing Emergency Cash 
and Emergency Card Replacement Services. 
22. Governing Law. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL 
LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED 
OR REQUIRED BY APPLICABLE LAW. 
23. No Waiver of Rights. We can delay enforcing our rights under this Agreement without losing them. 
We can accept late payments, partial payments or checks and money orders marked as being payment in 
full without losing any rights under this Agreement. 
24. Telephone Monitoring. As part of our continuing effort to maintain a high quality of service to our 
customers, telephone communications with you may be monitored and recorded. You agree that 
monitoring and/or recording may be done and that no additional notice to you or additional approval from 
you is needed. Please inform all persons authorized to use this account, those acting on your behalf, or 
anyone making payments on this account, of this provision. 
25. Notices: Addresses. Notices to us for the Account shall be effective when received by us at the 
address indicated for receipt of payments on any billing statement mailed to you within the preceding 60 
days. Notices to you, if mailed, shall be deemed given when mailed to you at the address provided by you 
on the application or authorization form, or to such other address you have designated to us by notice in 
writing. You agree to provide us with a notice of any change of your address at least 10 days prior to the 
change. 
26. Other Services. You understand that from time to time third parties may offer additional services and 
enhancements. You understand that we are not liable for these services and enhancements and they are 

the sole responsibility of third parties. You will hold us harmless from any claims, actions, or damages 
resulting from your use of any of these services or enhancements when permitted by applicable law. 
27. Collection Costs. As permitted under applicable law, you agree to pay the reasonable costs for 
collecting amounts due, including reasonable attorney’s fees and court costs by us or by another person or 
entity. 
28. Unauthorized Use of Card. Though you will not be liable for the unauthorized use of your Card, you 
agree to immediately notify us by calling us at 1-866-303-5087 (TDD/TTY 1-888-819-1918) to report the 
loss, theft, or possible unauthorized use of the Card as soon as it is known to you, to limit any potential 
loss. As provided in section 10, transactions by authorized users are not unauthorized use until you end 
that person’s privilege to use your Account. 
29. Credit Reports. You authorize us to obtain reports from consumer reporting agencies in connection 
with your application and any resulting Account, including for update, review, renewal, extension, or 
collection of amounts owed on the Account. You also agree that we may furnish information about you 
and your Account to consumer reporting agencies and others who are permitted by law to receive it. You 
understand that we may report negative information about your account to the credit bureaus. Late 
payments, missed payments, or other defaults on your account may be reflected in your credit report. 
Upon your request, we will advise you if we obtained a credit report and we will give you the consumer 
reporting agency’s name and address. 
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting 
agency is inaccurate, you may write to us at the address provided on the credit report from the consumer 
reporting agency. Your written dispute must provide sufficient information to locate the account and why 
you believe the information is inaccurate. If available, provide a copy of the section of the credit report 
showing the account information you are disputing.  
30. Credit Insurance (as applicable). Credit insurance is not required. If you have been accepted for 
credit insurance coverage, the premium charge will be added to your Account as a purchase on the last 
day of each Billing Period. 
31. Debt Cancellation (as applicable). Your Purchase of Account Assure is optional. Whether or not 
you purchase Account Assure will not affect your application for credit or the terms of any existing credit 
agreement you have with World Financial Capital Bank. The monthly fee for Account Assure is based on 
the outstanding monthly balance on your account each month and will be added to your account 
statement. We will give you additional information before you are required to pay for Account Assure. 
This information will include a copy of the contract containing the terms and conditions governing 
Account Assure. There are eligibility requirements, conditions, and exclusions that could prevent you 
from receiving benefits under Account Assure. You should carefully read the contract for a full 
explanation of the terms of Account Assure. 
32. Severability. If any provision of this Agreement is in conflict with applicable law, that provision will 
be considered to be modified to conform with that applicable law. 
33. Payments. You may pay all of your Account balance at any time without penalty. You 
agree to pay us all amounts due on your Account, including any amounts borrowed under this Agreement 
by you or an authorized user. Each month that there is an outstanding balance on your Account, on a date 
we select, we will send you a billing statement as of the closing date of your Billing Period. Purchases, 
Finance Charges, cash advances, balance transfers, payments and adjustments made since the closing date 
on your previous billing statement will appear on your billing statement. You may pay all or any part of 
the balance on your Account at any time; however, you must pay at least the Minimum Payment Due by 
the Payment Due Date shown on the billing statement. The Minimum Payment will be the total of the 
minimum payments for the Regular Revolving and Promotional Credit Plans (as described in Section 35 
of your Credit Card Agreement), plus any past due amounts. The minimum payments for the Regular 
Revolving Credit Plan and the Promotional Credit Plans (except for Waive Interest, Equal Payment; 
Defer Interest, Equal Payment; Waive Interest, Low Payment and Defer Interest, Low Payment) will be 
the greater of: (a) $5.00 or (b) 5% (rounded up to the nearest dollar) of the New Balance shown on your 
Statement for that Credit Plan. The minimum payment for the Waive Interest, Equal Payment and the 

Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided by the number of 
months between the date of the purchase and the promotional period end date (minimum $5.00) rounded 
up to the nearest dollar. The minimum payment for the Waive Interest, Low Payment and Defer Interest, 
Low Payment will be the greater of: (a) $5.00 or (b) 1% (rounded up to the nearest dollar) of the New 
Balance shown on your Statement for that Credit Plan. However, the total minimum payment due on your 
account will not be less than $25.00. If your Account balance is less than $25.00, you must pay your 
Account balance in full. Your statement will tell you how much your Minimum Payment must be. 
Payments shall be made by check or money order in U.S. currency denominations. If you pay by check, 
the check must be drawn on funds in the U.S. Payments must be sent to our payment address shown on 
the billing statement. Any check marked “payment in full” or with similar terms must be sent to a 
separate address specified on your billing statement.  
34. Application of Payments. We reserve the right to apply payments equal to or less than the required 
minimum amount in a manner of our choosing, which may result in balances subject to lower interest 
rates being paid prior to other balances. This may result in higher interest charges. Any payment you 
make in excess of the required Minimum Payment Due will be allocated to your Account as required by 
applicable law. However, excess payments received before a deferred interest promotion expires are 
applied to the deferred interest promotional balance first in the last two billing cycles of the promotional 
period.  
35. Credit Plans. Your Account may consist of a non-promotional Credit Plan and one or more 
promotional Credit Plans. We may offer different promotional Credit Plans from time to time. If a 
promotional Credit Plan is offered at the time you open your account, this Agreement will include 
information about the terms for the Plan (which may include the Daily Periodic Rate, the ANNUAL 
PERCENTAGE RATE, and/or the minimum payment amount), by use of an insert, attachment, or other 
written information provided as part of or with this Agreement. Normal late payment charges, returned 
check charges and all other provisions apply to any promotional Credit Plan unless inconsistent with a 
particular Credit Plan offering. The promotional Credit Plan period will end and the promotional Credit 
Plan balance will be transferred to your non-promotional Regular Revolving balance if the promotional 
Credit Plan purchase is not paid in full before the promotional period ends.  
The types of Credit Plans offered and the particular features (including but not limited to minimum 
purchase requirements, Minimum Payment, etc.) of such Credit Plans may vary from time to time at our 
discretion and may include one or more of the following: Regular Revolving or Promotional Credit Plans. 
The Regular Revolving Credit Plans are your non-promotional purchases using the Card. The 
Promotional Credit Plans may include: Waive Interest, Payment Required; Waive Interest, Equal 
Payment; Waive Interest, Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment 
Required; Defer Interest, Low Payment. (Please see section 36 for explanation for how Finance Charges 
are calculated for each Plan.) 
36. Finance Charges. 
A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in 
any Billing Period in which (i) there is no Previous Balance or (ii) payments received and credits issued 
by the Payment Due Date, which is at least 23 days after the Statement Closing Date shown on your last 
Statement, equal or exceed the Previous Balance. If the New Balance shown on your last Statement is not 
satisfied in full by the Payment Due Date shown on your last Statement, there will be a Finance Charge 
on each purchase from the date of purchase.  
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment 
Required; Waive Interest, Equal Payment; and Waive Interest, Low Payment we will not charge Finance 
Charges on the purchase if you pay the total amount of the purchase before the end of the promotional 
period. If you do not pay the total amount of the purchase before the end of the promotional period, we 
will add the amount of the purchase to your Regular Revolving balance and will begin to charge Finance 
Charges on the purchase from the first day after the promotional period ends. For any Waive Interest Plan 
that ends, we will add the remaining amount of the plan to your Regular Revolving balance and will begin 
to charge Finance Charges.  

If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment; or 
Defer Interest, Low Payment Credit Plan, we will add the amount of Finance Charges that have accrued 
from the date of purchase through and including the last day of the promotional period to your Regular 
Revolving balance if you do not pay the total amount of the purchase before the end of the promotional 
period. For any Defer Interest Plan that ends, we will add the remaining amount of the plan and the 
amount of Finance Charges that have accrued from the date of purchase through and including the last 
day of the promotional period to your Regular Revolving balance.  
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, 
we use a "Daily Balance" to figure Finance Charges on your Account. This is how we figure the "Daily 
Balance" each day: 
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and 
fees). 
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments 
posted as of that day. This gives us the "Partial Daily Balance" for the day. 
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to 
obtain the "Daily Finance Charge" for the day and add it to the day’s Partial Daily Balance. This gives us 
the "Daily Balance", which will be the beginning balance for the following day. 
At the end of each Billing Period, we add together each Credit Plan’s Daily Finance Charge for each day 
in the Billing Period to get the total Account Finance Charge for the Billing Period.  
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for 
each day in the Billing Period divided by the number of days in the Billing Period.  
D. The Index in effect for each Billing Period will be the highest Prime Rate published in the "Money 
Rates" section of The Wall Street Journal for the calendar month preceding the month in which the 
Billing Period begins, rounded upward, if necessary, to the nearest .001%.  
E. We will charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period 
in which a Finance Charge is due. 
F. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 33) 
by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we may apply a 
penalty Annual Percentage Rate ("Penalty Rate") to the existing balance of your Account and to all new 
purchases. We will provide you notice of this rate increase, when it will apply to your account, and for 
how long it will apply to your account, as required by applicable law. The Daily Periodic Rate of 
FINANCE CHARGE for the Penalty Rate will be computed by adding 26.74% to the value of an 
“Index,” and dividing by 365 (corresponding ANNUAL PERCENTAGE RATE will be the Index plus 
26.74%). The Index in effect for each Billing Period shall be the highest “Prime Rate” of interest as 
published in the “Money Rates” section of The Wall Street Journal for the calendar month preceding the 
month in which the Billing Period begins, rounded upward, if necessary, to the nearest .001% (“Index”). 
An increase or decrease in the Annual Percentage Rate will result in a corresponding increase or decrease 
in the amount of Finance Charge and may increase the amount of your minimum payment due. As of 
September 29, 2011 the Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate was 0.08216%, 
and the corresponding ANNUAL PERCENTAGE RATE was 29.99%. To find out about changes in the 
information, please contact us at the information provided in Section 36G. The Penalty Rate will apply to 
your Account until such time as any delinquency is cured and your account is kept in a current and 
satisfactory status for six (6) consecutive billing periods. On the seventh billing period the Penalty Rate 
will no longer apply and your Account will be subject to the Daily Periodic Rate of Finance Charge and 
corresponding Annual Percentage Rate as described below in Section 36G. If you fail to make your 
required minimum monthly payments during the Penalty period, the Penalty Rate will continue to apply. 
Your monthly statement will disclose the applicable Penalty Rate for the Billing Period and are 
incorporated herein by reference.  
G. Annual Percentage Rates. 
The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 
a Margin of 16.74% to the value of an “Index” and dividing by 365. The maximum ANNUAL 

PERCENTAGE RATE that may be imposed at any time is 29.99%.An increase or decrease in the Annual 
Percentage Rate will result in a corresponding increase or decrease in the amount of Finance Charge and 
may increase the amount of your minimum payment due. Your monthly statement will disclose the 
applicable Annual Percentage Rate for the Billing Period. As of September 29, 2011, the initial Daily 
Periodic Rate of FINANCE CHARGE was 0.05476%, and the corresponding initial ANNUAL 
PERCENTAGE RATE was 19.99%.  
Balance Transfers and Cash Advances: For Balance Transfers and Cash Advances, the rate is determined 
by adding 23.74% to the Prime Rate. The maximum ANNUAL PERCENTAGE RATE that may be 
imposed at any time is 29.99%. An increase or decrease in the Annual Percentage Rate will result in a 
corresponding increase or decrease in the amount of Finance Charge and may increase the amount of your 
minimum payment due. Your monthly statement will disclose the applicable Annual Percentage Rate for 
the Billing Period. As of September 29, 2011, the initial Daily Periodic Rate of FINANCE CHARGE 
was 0.07394%, and the corresponding initial ANNUAL PERCENTAGE RATE was 26.99%. 
Your monthly billing statement will disclose the applicable Annual Percentage Rate for the Billing 
Period. If this Agreement accompanies credit cards for your new account, the current initial Daily 
Periodic Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE are 
indicated on the cardmailer accompanying this agreement and are incorporated herein by reference. This 
information may have changed after the above date. To find out about changes in the information, call us 
at 1-866-303-5087 (TDD/TTY 1-888-819-1918) or write us at World Financial Capital Bank, PO Box 
183003, Columbus, OH 43218-3003. 
37. Grace Period. There is no period in which you can pay back a cash advance, any other transaction 
treated as a cash advance under this Agreement, or a balance transfer to avoid incurring a Finance Charge. 
For a cash advance using a convenience check, the date of the advance is the date the convenience check 
is presented to us or our agent for payment. For all other cash advances, the date of the advance is the date 
you obtained the advance. For purchases using the Card, there will be no Finance Charge imposed on 
your purchases in any Billing Period in which (i) there is no previous balance or (ii) payments received 
and credits issued by the Payment Due Date equal or exceed the Previous Balance. The Payment Due 
Date will be determined by us, but will be at least 23 days after the Statement Closing Date shown on 
your last Statement. The number of days between your Statement Closing Date and your Payment Due 
Date (the grace period) may vary from one Billing Cycle to another. If we do not receive a payment for 
the New Balance in full by the Payment Due Date shown on your last Billing Statement, we will add a 
Finance Charge to your Account. If we add a Finance Charge, we will begin to assess the charge on each 
purchase from the date of purchase.  
38. Fees. You agree to pay the following fees and charges:  
A. Returned Check Charges. We can charge you up to $35.00 for each check your bank returns to us for 
any reason. Although we may, we do not have to attempt to collect any check more than once. You also 
agree to pay a fee of up to $35.00 for each convenience check written against your Account which fails to 
clear and is returned unsatisfied. Stop Payment Charged for Convenience Checks: You agree to pay a fee 
of up to $35.00 for each convenience check written against your Account on which we stop payment at 
your request. 
B. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least 
the Minimum Payment Due for each Billing Period or if we receive your payment after the Payment Due 
Date shown on your Billing Statement. 
C. Cash Advance Fee. For any cash advance obtained in person from a financial institution or through an 
ATM, you will pay a transaction fee equal to the greater of $10.00 or 3% of the amount of the cash 
advance, per cash advance. 
D. Convenience Check and Balance Transfer Fee. For any convenience check used or balance transfer 
from another account, you will pay a transaction fee equal to the greater of $10.00 or 3% of the amount of 
the cash advance, up to a maximum transaction fee of $90.00 per cash advance. 
E. Alternative Payment Method Fee. We may offer alternative payment methods which would allow 
you to make individual, expedited payments to your Account over the telephone or through the internet. If 

you choose to use one of those payment methods, then we may assess the then current fee that we charge 
for this service. At present, that fee is up to $15.00, but it may change. We will disclose the current fee to 
you (you may withdraw your request if you do not want to pay the fee) before you authorize any 
payment(s) through either of these alternative methods. 
F. Research/Documentation Charges. We have the right to charge you for documentation requests in 
the amount of $5.00 for each copy of a sales draft, credit slip, or billing statement. However, we will not 
assess this charge if your request is based upon a billing error and you follow the procedures provided in 
the billing rights section of this Agreement. In addition, for each Account research request that you make 
that is not covered by the billing rights section of this Agreement, we have the right to charge you a fee of 
$15.00 per hour of research.  
39. Rewards Program. The MyPoints Rewards program is provided by MyPoints, which is solely 
responsible for the Program operation. MyPoints may change the terms of this program at any time, 
without notice.  
40. Security Interest. You grant us a security interest in all goods that you purchase through the use of 
the Account now or at any time in the future and in all accessions to and proceeds of such goods. We 
hereby waive any security interest we may have in your principal dwelling to the extent that it would 
otherwise secure any obligation arising hereunder. 
41. Dispute Resolution Provisions.  
A. Jury Trial Waiver. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY 
RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR 
RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS 
GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
B. Notice and Cure. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out 
of or related to this Agreement (as further defined below, a “Claim”), the party asserting the Claim (the 
“Claimant”) shall give the other party (the “Defendant”) written notice of the Claim (a “Claim Notice”) 
and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall 
be sent in writing to the address we have in our records (or any updated address you subsequently provide 
to us). Any Claim Notice to us shall be sent by mail to World Financial Capital Bank, PO Box 182436, 
Columbus, OH 43218-2436 (or any updated address we subsequently provide). Any Claim Notice you 
send must provide your name, address and account number. Any Claim Notice must explain the nature of 
the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and 
not on behalf of any other party. No third party, other than a lawyer you have personally retained, may 
submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in providing any 
information about the Claim that the other party reasonably requests. 
C. Arbitration Provision. READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO 
NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH 
41.C.1 BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A 
SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1. Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration 
agreement between you and us (“Prior Arbitration Agreement”)) to apply, you may reject it by 
mailing us a written rejection notice which gives the name of each Cardholder and contains a 
statement that you (both of you, if more than one) reject the Arbitration Provision of this 
Agreement. The rejection notice must be sent to us at World Financial Capital Bank, PO Box 
182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of 
you, if more than one) and if we receive it within thirty (30) calendar days after the date we first 
provide you with a credit card agreement or written notice providing you a right to reject this 
Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other 
provision of this Agreement or your ability to obtain credit.  

2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this 
Agreement), the terms “we,” “us” and “our” mean (a) World Financial Capital Bank, any parent, 
subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the “Bank 
Parties”); and (b) any other person or company that provides any services in connection with this 
Agreement if you assert a Claim against such other person or company at the same time you assert a 
Claim against any Bank Party. 
3. Covered Claims: “Claim” means any claim, dispute or controversy between you and us that in any 
way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards 
program, any prior agreement or account. “Claim” includes disputes arising from actions or omissions 
prior to the date any Card was issued to you, including the advertising related to, application for or 
approval of the Account. “Claim” has the broadest possible meaning, and includes initial claims, 
counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, 
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common 
law and equity (including any claim for injunctive or declaratory relief). It also includes disputes about 
the validity, enforceability, arbitrability or scope of this Arbitration Provision or this Agreement. 
However, notwithstanding any language in this Arbitration Provision to the contrary, “Claim” does not 
include any dispute about the validity, effect or enforceability of the prohibitions against class 
proceedings, private attorney general proceedings and/or multiple-party proceedings described in 
Paragraph 41.C.7. (the “Class Action Waiver”) or any dispute concerning the last sentence of Paragraph 
41.C.13.; any such dispute shall be resolved by a court and not by an arbitrator or Administrator.  
4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if 
that party has already initiated a lawsuit with respect to a different Claim. Arbitration is started by giving 
a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim 
that you bring against us in small claims court or your state’s equivalent court, if any. But if that Claim is 
transferred, removed or appealed to a different court, we then have the right to demand arbitration. 
5. Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 
1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS is at 620 Eighth Avenue, 34th 
Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by mutual agreement of 
the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an 
Administrator by mutual consent, the Administrator will be selected by a court. The arbitrator will be 
appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator 
must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the 
Administrator if you give us written notice of your selection with your notice that you are electing to 
arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim 
(or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally 
resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any language in 
this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all 
parties to the arbitration, by any Administrator that has in place a formal or informal policy that is 
inconsistent with the Class Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT 
TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM 
IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN 
INFORMATION FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A 
LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY 
ALSO NOT BE AVAILABLE IN ARBITRATION.  
7. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A 
CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT 
OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS 
MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL 
IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY 
NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY 

OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY 
TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL 
ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
8. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a 
location reasonably convenient to you. We will pay any and all fees of the Administrator and/or the 
arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in 
order for this Arbitration Provision to be enforced. If you demand an arbitration, we will pay your 
reasonable attorneys’ and experts’ fees if you prevail or if we must bear such fees in order for this 
Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
9. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the 
Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and not by any state arbitration law. The 
arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of 
limitations and claims of privilege recognized at law. The arbitrator may award any remedy provided by 
the substantive law that would apply if the action were pending in court (including, without limitation, 
punitive damages, which shall be governed by the Constitutional standards employed by the courts). At 
the timely request of either party, the arbitrator must provide a brief written explanation of the basis for 
the award. 
10. Right to Discovery: In addition to the parties’ rights to obtain discovery pursuant to the arbitration 
rules of the Administrator, either party may submit a written request to the arbitrator to expand the scope 
of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have 
discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal: Judgment upon the arbitrator’s award may be entered by 
any court having jurisdiction. The arbitrator’s decision is final and binding, except for any right of appeal 
provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for 
injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding 
$50,000, any party can, within 30 days after the entry of the award by the arbitrator, appeal the award to a 
three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of 
the initial award requested by the appealing party. The decision of the panel shall be by majority vote. 
Reference in this Arbitration Provision to “the arbitrator” shall mean the panel if an appeal of the 
arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with 
Paragraph 41.C.8. above. 
12. Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts owed 
under this Agreement, the closing of the Account, any legal proceeding and any bankruptcy to the extent 
consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this 
Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this 
Agreement, on the other hand, this Arbitration Provision shall govern. This Arbitration Provision replaces 
any Prior Arbitration Agreement. 
13. Severability: If any portion of this Arbitration Provision, other than the Class Action Waiver, is 
deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. If a 
determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration 
Agreement will remain in force and the remaining provisions shall be null and void, provided that the 
determination concerning the Class Action Waiver shall be subject to appeal. 
14. Special Payment: If (1) you submit a Claim Notice in accordance with Paragraph 41.B. on your own 
behalf (and not on behalf of any other party); (2) we refuse to provide you with the relief you request; and 
(3) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the 
arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled). 
Notice(s): 
For Wisconsin Residents. 
If you are married, please contact us immediately upon receipt of this Agreement at 1-866-303-5087 
(TDD/TTY 1-888-819-1918) and provide us with the name and address of your spouse. We are required 
to inform your spouse that we have opened a credit account for you.  

For Bankruptcy Notifications: 
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: 
WFCB, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043.  

Your Billing Rights; Keep This Notice For Future Use. 

This Notice contains important information about your rights and our responsibilities under the Fair 
Credit Billing Act. 
Notify Us In Case of Errors or Questions About Your Bill. 
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us 
on a separate sheet at: 
World Financial Capital Bank 
PO Box 182620 
Columbus, OH 43218-2620  
Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first 
bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your 
rights. 
In your letter, give us the following information: Your name and account number, the dollar amount of 
the suspected error, describe the error and explain, if you can, why you believe there is an error. If you 
need more information, describe the item you are not sure about. 
If you have authorized us to pay your credit card bill automatically from your savings or checking 
account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter 
must reach us three business days before the automatic payment is scheduled to occur. 
Your Rights and Our Responsibilities After We Receive Your Written Notice 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 
days, we must either correct the error or explain why we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including finance charges, and we 
can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any finance charges related to 
any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will 
have to make up any missed payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, 
we must tell anyone we report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 
If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was 
correct. 
Special Rule For Credit Card Purchases 
If you have a problem with the quality of property or services that you purchased with a credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to pay 
the remaining amount due on the property or services. There are two limitations on this right: (a) you 
must have made the purchase in your home state or, if not within your home state, within 100 miles of 
your current mailing address; and, (b) the purchase price must have been more than $50. These limitations 
do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or 
services. 
WORLD FINANCIAL CAPITAL BANK 
Salt Lake City, UT