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Online Consent for Electronic Disclosures

You may not apply online unless you accept these disclosures and information electronically.

By consenting to receive information electronically at our web site, we may provide to you by electronic means information
regarding your WebBank /Gettington Credit Account, including disclosures required by applicable federal or state law
(collectively <Communications=) which may include, but is not limited to, the following:

Initial Disclosure statement or agreement governing the WebBank /Gettington Credit Account

Effective 5/1/2019

Letters or notices regarding your Credit Account

WebBank /Gettington Privacy Policy

Other federal and state law disclosures, notices and communication in connection with the application for, the opening
of, maintenance of or collection of the Credit Card Account

SafeLine disclosures, Debt Cancellation Agreement and other information related to optional Debt Waiver products
you may elect to purchase

Communications may be sent to your e-mail address provided to us by you. Communications may include your name and
information about your Credit Account, including your balance or the due date. Electronic Communications may be disclosed
to any party with access to your Credit Account or e-mail account. All Communications in either electronic or paper format
from us to you will be considered <in writing=.

By clicking the "Accept" button, you agree to:

Receive this information electronically, access and retain any disclosures received. To do this you will need a desktop
or laptop personal computer with a minimum web browser that supports 128 bit encryption.

Have ability to receive and read email.

Receive disclosures electronically and confirm that you will download or print the disclosures for your records,
acknowledge that you can access information that is provided electronically at this website.

Acknowledge that such action constitutes your signature to the credit application and the Important Terms of your
Credit Account and Disclosure Statement. NOTICE! - YOU MUST THOROUGHLY READ ALL OF THESE
DISCLOSURE PAGES AND ASSURE THAT THERE ARE NO BLANK SPACES. DO THIS BEFORE "SIGNING" ANY
AGREEMENT ON THIS WEB SITE, INCLUDING THE ACCOUNT AGREEMENT, BY USING THE "ACCEPT"
BUTTON. YOU ARE ENTITLED TO A COPY OF THE AGREEMENT YOU SIGN.

Acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic
Signatures in Global and National Commerce Act and our intent that this statute applies to the fullest extent possible.

Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not
responsible for unauthorized access by third parties to information and/or communications provided electronically nor any
damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are

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not responsible for any computer virus or related problems. If your e-mail address changes, you are required to notify us. You
also have the right to: 

Change your preference to receive periodic billing statements (from/to paper) at any time by logging on to MyAccount
at Gettington.com.

Receive any information provided electronically in paper form. We may charge a fee for a paper copy. To receive
specific information in paper form contact us at customerservice@Gettington.com. Please provide your name,
address, 10 digit customer number and the last 4 digits of your WebBank/Gettington Account number. You may also
write us at Gettington, 6250 Ridgewood Road, St Cloud, MN 56303.

Withdraw your consent to receive all disclosures electronically. If you choose to do so we will close your Gettington
Credit Account. Please provide your name, address, e-mail address, 10 digit customer number and the last 4 digits of
your WebBank/Gettington Account number. You may also write us at Gettington, 6250 Ridgewood Road, St Cloud,
MN 56303.

To notify us if your e-mail address changes, contact us at customerservice@Gettington.com. Please provide your name,
address,current e-mail address, new e-mail address, 10 digit customer number and the last 4 digits of your
WebBank/Gettington Account number. You may also write us at Gettington, 6250 Ridgewood Road, St Cloud, MN 56303.

WebBank Gettington Credit Account Key Credit Terms

Interest Rates and Interest Charges 

Annual Percentage Rate
(APR) for Purchases

29.99% 

This APR is a non-variable rate.

How to Avoid Paying
Interest

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees 

Your due date is at least 24 days after the close of each billing cycle. We will not
charge you interest on purchases if you pay your entire balance by the due date
each month.

If you are charged interest, the charge will be no less than $0.50

To learn more about factors to consider when applying for or using a credit card, visit
the website of the Consumer Financial Protection Bureau at 

http://www.consumerfinance.gov/learnmore/

Penalty Fees 
• Late Payment:
• Returned Payment:

• up to $39.00 
• up to $39.00

How We Will Calculate Your Balance: We use a method called average daily balance including new purchases. See below
for more details. 

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Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below. 

WebBank
Gettington Credit Account Agreement

This is the Agreement which covers your credit account (called your <Account=) with WebBank for purchases you make with
Gettington. You can use your Account to purchase goods or services from Gettington or any merchant authorized to accept
your Account, and to pay for goods and services offered in connection with your Account. You may only use your Account for
personal, family, and household purposes. You and WebBank will be bound by this Agreement from the first time a
transaction is posted to your Account.

In this Agreement, and in your monthly statements (<Statements=), the words <you= and <your= refer to all persons named on
the credit account we issue or who have signed the application or acceptance forms, and the words <we=, <us= and <our= refer
to WebBank (and, as applicable, its agents, successors and assigns). An applicant, if married, may apply for a separate
account.

Your Promise to Pay. You promise to pay for (a) credit extended by WebBank to you or anyone you allow to use your
Account; (b) interest charges, late fees, and all other charges provided in this Agreement or that you (or anyone you allow to
use your Account) agree to pay; and (c) collection costs and attorneys’ fees to the extent permitted by applicable law if your
Account should go into default. If your Account is a joint Account, all joint Account holders promise to pay and be jointly and
individually responsible for all amounts due under this Agreement.

Available Credit. We will assign you a credit limit, and we will indicate your current credit limit on each Statement. You agree
not to exceed the credit limit that we establish for you. If you request a transaction that would exceed the credit limit, we may
decline it or we may allow the transaction without increasing your credit limit. You will be obligated to pay any amount in
excess of your credit limit in accordance with the terms of this Agreement. We reserve the right to delay an immediate
increase in available credit due to a payment(s) made on your WebBank/Gettington Credit Account. We may increase or
reduce your credit limit, or suspend or terminate your Account, at any time with or without cause. We will provide notice to
you to the extent required by applicable law.

Statements. We will send you a Statement covering each billing cycle in which you have a balance (including deferred
balances, if applicable), or if required by law. Billing cycles are approximately one month long. Each Statement will reflect: (a)
the total amount you owed on the first day of your billing cycle (called the <previous balance=), which will include any deferred
balance (see below under the heading <Deferral Periods=); (b) payments, credits, purchases and interest charges, and all
other charges made to your Account during the billing cycle; (c) the total amount you owed at the end of the billing cycle
(called <new balance=); (d) the minimum payment you must make (called the <minimum payment=); and (e) the date by which
the minimum payment must be paid to avoid a late charge.

Protections Under the Military Lending Act: Federal law provides important protections to members of the Armed Forces
and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent (a <Covered Borrower=) may not exceed an annual percentage rate of 36 percent.
This rate must include the cost of SafeLine, our optional credit protection product. We do not charge application or
participation fees.

You are a Covered Borrower if at the time of establishing this account you are an active duty service member or an active
Guard or Reserve duty member, or you are a qualifying dependent of that member.

If you are a Covered Borrower, the provisions of this WebBank/Gettington Credit Account relating to arbitration do not apply
to this WebBank/Gettington Credit Account involving consumer credit.

Oral Disclosure: If you are a Covered Borrower, you may obtain information about the account, including information about
the payment obligation, by calling us toll-free, at 844-403-7058.

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Payments. Each month, your minimum payment is due by the date set forth on the Statement, which will be at least 24 days
from the Statement date. You may pay more than the minimum payment, up to the entire new balance, at any time.

Calculating your minimum payment. Your minimum payment each month will be your Account's scheduled minimum
payment amount plus any amount that is past due.

Your Account minimum payment amount is determined by the purchases and balances on your Account. When you make
a purchase, if you do not already have an outstanding balance, then your minimum payment amount will be equal to 5.5%
of the original purchase price or $20.00, whichever is greater at the time of purchase. This minimum payment amount will
remain fixed until any one of the following events occurs: (a) any return is posted to your Account; (b) a new purchase is
added to your balance. When any of these events occurs, we will recalculate the minimum payment amount to be equal
to 5.5% of the balance or $20.00, whichever is greater at the time of our recalculation. When your payments reduce your
balance to $0, then the minimum payment due will be equal to $0.

Payment Instructions. All payments made by mail must be made by check or money order, following the instructions in this
Agreement and on your Statement. You agree that we may return any payment you make, without applying the payment to
your Account and without presentment or protest, for reasons including, but not limited to, that the check or money order: (1)
is not drawn on the U.S. Post Office or a financial institution located in the United States; (2) is missing a signature; (3) is
drawn with different numeric and written amounts; (4) contains a restrictive endorsement; (5) is post-dated; (6) is not payable
to WebBank or its assigns; or (7) is not payable in U.S. dollars. If we accept a check payment made in U.S. dollars and
drawn on a financial institution not located in the United States, you agree to pay any bank collection fees we incur. We can
accept late or partial payments, or checks or money orders marked <Payment in Full= or otherwise restrictively endorsed,
without losing any of our rights under this Agreement. All payments under this Agreement must be received at the address
specified on your billing statement. Payments may also be made electronically on the web or phone, by ACH payment from a
checking or savings account. However, you may not make a payment using any credit card issued by WebBank. We may
charge a processing fee for payments made by means other than mail, and the fee will be disclosed at the time you request
to make a payment.

How We Figure Periodic Finance Charges. If the total periodic interest charges for a month are less than $0.50 then we
charge a minimum periodic interest charge of $0.50 which we will apply to the applicable balance.

Determining the Finance Charge on your Account. To determine the amount of interest charges applicable to your Account,
we multiply the Average Daily Balance times the monthly periodic rate for the plan.

Average Daily Balance. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any
new purchases on that day, and subtract any payments or credits we apply that day. We add interest charges to your
Account on a monthly basis. We add other charges and fees, such as late fees, to your Account on the day that such
charges or fees are posted to the Account. If your Account has an overall credit balance, we treat this as a $0 balance. This
gives us the daily balance. Then we add up all the daily balances for each day in the billing cycle and divide the total by the
number of days in the billing cycle. This gives us the Average Daily Balance.

Non-Variable APR. Your Annual Percentage Rate is 29.99%, which corresponds to a monthly periodic rate of 2.500%. This
is a non-variable rate. The finance charges that are assessed, including the monthly periodic rate, will be in amounts or at
rates that do not exceed those permitted by law. The amount of periodic interest charges and APRs are subject to change.
See below under the heading <Change of Terms (including Interest Charges).=

When interest charges begin to accrue. Interest charges begin to accrue on each purchase on the date of the purchase.
However, if you paid the new balance on your previous Statement by the payment due date shown on that statement, then:
(1) if you pay the new balance on your current billing statement by the payment due date shown, we impose no interest
charges on purchases during the current billing cycle, and (2) if you make a payment by the payment due date shown on
your current statement that is less than the new balance, we will credit that payment as of the first day in your current billing
cycle. In addition, if your previous Statement reflected a new balance and you did not pay that new balance in full by the
payment due date on that previous statement, then we will not impose interest charges on any purchases during the current
billing cycle if you pay the new balance shown on your current Statement by the payment due date reflected on that current
Statement.

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Deferral Periods. From time to time, we may offer you the opportunity to enter into promotions. Terms of these promotions
will be provided in connection with any offers.

Late Fees. Late fees will be equal to your minimum payment due with a maximum amount of up to $28.00 for the first time
offense and will increase to a maximum amount of $39.00 if you did not make your minimum payment on time in any one of
the 6 prior cycles, (or the extent permitted by law). The late fee will never be greater than your minimum payment due to
which the late fee relates.

Returned Payment Fee. Returned payment fees will be equal to your minimum payment with a maximum amount of up to
$28.00 for the first time offense and will increase to a maximum amount of $39.00 if you had any returned payments in any
one of your 6 prior billing cycles (or to the extent permitted by applicable law). The returned payment fee will never be greater
than your most recent minimum payment due.

No Annual Account Fee. You are not charged a separate annual fee to maintain your account.

Application of Payments. Each payment you send to us will be applied to your Account in a manner consistent with
applicable law. Generally, we will apply your payment first to satisfy all minimum payments due. You may pay the entire
balance on your account at any time without incurring any additional charge for prepayment.

Change of Terms (including Interest Charges). Subject to applicable law, we may change or terminate any term of this
Agreement or add new terms at any time, including, without limitation, adding or increasing fees, increasing your minimum
payment and increasing the rate or amount of interest charges or changing the method of computing the balance upon which
interest charges are assessed. Prior written notice will be provided to you when required by applicable law. Changes may
apply to new and outstanding balances, subject to any limitations under applicable law.

Default. You will be in default under this Agreement if: (a) you fail to make at least the minimum payment by the Payment
Due Date specified on your Statement ; (b) you violate any other provision of this Agreement; (c) you die; (d) you become the
subject of bankruptcy or insolvency proceedings; (e) you or any part of your property becomes the object of attachment,
foreclosure, repossession, lien, judgment, or garnishment proceedings; (f) you fail to provide to us any information we
reasonably deem necessary; (g) you supply us with misleading, false, incomplete or incorrect information; (h) we receive
information indicating that you are unable to perform the terms and conditions of this Agreement; (i) you move out of the
United States; or (j) you use your Account in an unlawful manner. Upon default, we have the right to require you to pay your
entire Account balance (including all deferred purchases and all accrued but unpaid charges) immediately, and to sue you for
what you owe. You will pay our court costs, reasonable attorneys’ fees and other collection costs related to the default to the
extent permitted by applicable law. Following any default, any balances outstanding under this Agreement will continue to
accrue interest charges until paid in full and will be subject to all the terms and conditions of this Agreement, except that we
will apply your payments first to attorneys’ fees and other court costs, and then in the order set forth in the Application of
Payments section.

Closing Your Account. We can close your Account at any time. You can cancel or close your Account at any time by writing
to us at WebBank, Gettington Credit Account, P.O. Box 0260, St Cloud, MN 56395-0260. If we have issued you a card with
your Account number, you must cut it in half and return it to us. You may not use your Account for any purchases after you
cancel or close your Account. If you do not pay us in full when you cancel, your outstanding balances will continue to accrue
interest charges and other charges, and will be subject to the terms and conditions of this Agreement.

Liability for Unauthorized Use/ Lost or Stolen Account Numbers. If you notice the loss or theft of your credit account
number or a possible unauthorized use of your card, you should write to us immediately at WebBank, Gettington Credit
Account, P.O. Box 0260, St Cloud, MN 56395-0260, or call as at 1-866-688-1091. You will not be liable for any unauthorized
use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before you notify us. In any
case, your liability will not exceed $50. However, unauthorized use does not include use by a person whom you have given
the credit account number to or authority to use the Account, and you will be liable for all use by such a user. To terminate
this authority you must send us notice in writing.

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Change of Name, Address, Telephone Number or Employment. Notify us immediately of any change in your name,
mailing address, telephone number or place of employment. Send changes to: WebBank, Gettington Credit Account, P.O.
Box 0260, St Cloud, MN 56395-0260.

Consent for Use of Telephone Numbers: You authorize WebBank/Gettington.com, their affiliates, agents, and others
calling at their request or on their behalf to contact you at any number (i) you have provided to us (ii) from which you have
called us, or (iii) which we obtain and believe we can reach you at. We may contact you in any way, such as calling, texting,
using an automated dialer or using pre-recorded messages. We may contact you on a mobile, wireless, or similar device,
even if you are charged for it by your provider.

No Oral Modifications: This Agreement cannot be changed orally.

Assignment of Account. We may sell, assign or transfer your Account or any portion thereof without notice to you. You may
not sell, assign or transfer your Account.

Reporting and Monitoring. 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. You agree that any government agency
may release your residence address to us, should it become necessary to locate you. You agree that we may record your
calls, and that our supervisory personnel may listen to telephone calls between you and our representatives in order to
evaluate the quality of our service to you and other cardholders.

Updated Financial and Other Information. Upon request, you agree to promptly give us accurate financial and other
information about yourself. We may obtain information about you from credit bureaus or other third parties at any time. You
agree that the information that you provide to us is accurate as of the date provided, and that if the information changes you
will contact us with notice of the change.

Governing Law/Enforceability. This agreement and your Account will be governed by federal law applicable to a FDIC-
insured institution and, to the extent permitted by federal law, the laws of Utah without regard to its choice of law provisions.
This Agreement is entered into between you and us, and received by us, in Utah, and we extend credit to you from Utah,
whether or not you live in Utah. We will make the decision whether to open an account for you based on criteria established
in Utah. If any provision of this Agreement is determined to be void or unenforceable under any applicable law, rule or
regulation, all other provisions of this Agreement will remain enforceable (except as specifically addressed in the Arbitration
provision). Our failure to exercise any of our rights under this Agreement will not be deemed to waive our rights to exercise
such rights in the future. This Agreement is a final expression of the agreement between you and us and this Agreement may
not be contradicted by evidence of any alleged oral agreement.

Arbitration. Please review this provision carefully. It provides that any dispute may be resolved by binding
arbitration. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. Under this
provision, your rights may be substantially limited in the event of a dispute. You may opt out of this Arbitration
provision by following the instructions below.

By accepting this Agreement, unless you opt out by following the instructions below, you agree that either you or we, at our
sole discretion, can choose to have any dispute arising out of or relating to this Agreement or our relationship resolved by
binding arbitration. If arbitration is chosen by any party, neither you nor we will have the right to litigate that dispute in court or
to have a jury trial on that dispute. Pre-arbitration discovery will be permitted only as allowed by the arbitration rules. In
addition, you will not have the right to participate as a representative or member of any class of claimants pertaining to any
dispute subject to arbitration. The arbitrator’s decision will generally be final and binding. Other rights that you would have if
you went to court may also not be available in arbitration. It is important that you read the entire Arbitration provision carefully
before accepting the terms of this Agreement.

For purposes of this Arbitration provision, <dispute= shall be construed as broadly as possible, and shall include any claim,
dispute or controversy (whether in contract, regulatory, tort or otherwise, whether pre-existing, present or future and including
constitutional, statutory, common law, intentional tort and equitable claims) arising from or relating to this Agreement, the
credit offered or provided to you, or the goods or services you purchase; the actions of yourself, us, or third parties; or the
validity of this Agreement or this Arbitration provision. It includes disputes brought as counterclaims, cross claims, or third

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party claims. A party that has brought a dispute in a court may elect to arbitrate any other dispute that may be raised in that
litigation. Disputes brought as part of a class action or other representative basis are subject to arbitration on an individual
(non-class, non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE WAIVED YOUR RIGHT TO
INDICATE OR PARTICIPATE IN A CLASS ACTION RELATED TO THIS AGREEMENT. In this Arbitration provision, the
words <we,= <us,= and <our= shall include WebBank and any assignees of any of WebBank’s rights, any merchant from which
you purchased goods or services using your Account, as well as their respective affiliates, servicers, employees, agents, and
further assigns.

Any arbitration under this Arbitration provision shall be administered by the American Arbitration Association (<AAA=) under
the rules applicable to the resolution of consumer disputes in effect when the dispute is filed. The arbitrator shall have no
authority to hear any disputes on a class action or representative basis. Neither you nor we may consolidate or join the
disputes of other persons who may have similar disputes into a single arbitration, other than the disputes of or against joint
account holders. You may obtain rules and forms by calling the AAA at 1-800-778-7879 or visiting www.adr.org. Any
arbitration hearing that you attend will take place in the Federal judicial district where you reside. We will not elect arbitration
of any dispute that is filed as an individual matter by you in a small claims or similar court, so long as the dispute is pending
on an individual basis in such court.

A single, neutral arbitrator will decide any disputes. The arbitrator must be either a retired or former judge or a lawyer with no
less than 10 years’ experience, selected in accordance with the AAA’s rules. The arbitrator will apply applicable substantive
law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege under applicable law, and will
have the power to award to a party any damages or other relief provided under applicable law. Any party may choose to have
a hearing, and may choose to be represented by counsel. The arbitrator will issue an award in writing and, upon request, will
provide a written explanation for the award. Judgment upon the award rendered by the arbitrator may be entered in any court
having jurisdiction.

The party initiating an arbitration must pay the AAA’s initial filing fee, although you can ask the AAA to waive the filing fee and
we will consider your request that we pay the filing fee on your behalf. We will pay any subsequent administration fees
imposed by the AAA, and we will pay the arbitrator’s fee for up to one day of hearings. All other fees will be allocated as
provided by the AAA’s rules and applicable law. If you prevail in arbitration, we will reimburse you any fees paid to the AAA.
However, even if we prevail, we will not seek reimbursement from you of any fees we paid to the AAA unless the arbitrator
determines that your dispute was brought in bad faith. Each party shall bear its own costs of attorneys, experts, and witness
fees, regardless of which party prevails in the arbitration. However, if applicable substantive law gives you the right to seek
reimbursement of attorneys’ fees or other fees or costs, then that right shall also apply in the arbitration.

You have the right to opt out of this Arbitration provision, but you may only do so in the first 30 days after the first transaction
is posted to your Account. In order to opt out, you must write us at WebBank/ Gettington Arbitration, P.O. Box 0260, St Cloud,
MN 56395-0260. You must inform us of your decision to opt out, and sign the notice.

This Arbitration provision shall survive repayment of your extension of credit and termination of your Account. This Arbitration
provision is made in connection with interstate commerce, and shall be governed by the Federal Arbitration Act, 9 USC
Sections 1 through 16. If any part of this Arbitration provision is determined to be void or unenforceable, then this entire
Arbitration provision shall be considered null and void; however, it shall not affect the validity of the rest of this Agreement.

Credit Bureau Disputes.If you believe we inaccurately reported credit history information about you or your Account to a
credit reporting agency, write to us at: Credit Bureau Reporting Services, P.O. Box 6250 Ridgewood Road, St Cloud, MN
56303. Please include a copy of the credit report reflecting the information that you believe is inaccurate.

All Accounts, including New York/Rhode Island/Vermont Residents:You agree to give WebBank (1-801-456-8350) (as
well as its agents, successors, and assigns) permission to access your credit report in connection with any transaction, or
extension of credit, and on an ongoing basis, for the purpose of reviewing your Account, adjusting the credit limit on your
Account, taking collection action on your Account, or for any other legitimate purposes associated with your Account. Upon
your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the
name and address of the consumer reporting agency that furnished the report.

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All Accounts, including California and Utah Residents:As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit
obligations.

Connecticut Residents: Damages may be imposed if a check is dishonored. Connecticut General Statutes § 52-565A
authorized our collection of damages for dishonored checks; criminal penalties may also apply.

Maryland Residents:Maryland law requires that if you send us a written request about the status of your account and we do
not answer that request within 60 days after we receive it, you are not required to pay a finance charge for that 60 day period
or until we answer.

Missouri Residents:If you prepay your Account in full, you may be entitled to a refund of certain interest under Mo. Rev. Stat
§ 408.170.

New Hampshire Residents:Reasonable attorney's fees will be awarded to you if you prevail in (a) any action, suit or
proceeding brought by us, or (b) any action brought by you. If you successfully assert a partial defense or set-off, recoupment
or counterclaim to an action brought by us, the court may withhold from us an entire amount or such portion of the attorney
fees as the court considers equitable.

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. The New York state department
of financial services' telephone number is 1-800-342-3736, and its website is http://www.dfs.ny.gov.

Ohio Residents: 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.

Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under
Wisconsin's Marital Property Act will adversely affect a creditor's interest unless prior to the time of credit is granted, the
creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree. We
may require that you pay the entire amount that you have outstanding if you do not pay amounts that come due 2 times
within any 12 month period. You will also have to pay your entire amount outstanding if you fail to do anything required in this
agreement and that failure makes it likely that you not be able to pay your bills from us as they become due.

Texas Residents: To contact us about this account call 1-866-688-1091. This contract is subject in whole or in part to Texas
law which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-42073.
Phone: (512)-479-1285, (214) 263-2016, (713) 461-4074. Contact the Commissioner relative to inquires or complaints.

End of Terms

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 THINK YOU FIND A MISTAKE ON YOUR STATEMENT

If you think there is an error on your statement, write to us at:

Gettington Account Services, P.O. Box 1500, St Cloud, MN 56395-1500

In your letter, give us the following information 

Account Information: Your name and Gettington Credit Account number
Dollar Amount: The dollar amount of the suspected error

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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. You must notify us of any potential
errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may
have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have
already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is
correct.

While we investigate whether or not there has been an error, 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, 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 that 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 the
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 these rules, 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 due on
the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home State or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based
on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
2. You must have used your credit card for the purchase. 
3. You must have 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: Gettington
Account Services, P.O. Box 1500, St Cloud, MN 56395-1500.

https://www.gettington.com/content/CreditTC?print=print&tc=non

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Gettington

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.

https://www.gettington.com/content/CreditTC?print=print&tc=non

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