order you choose), and so forth. However, if I have a balance on a Deferred Interest 
Purchase, and I make a prepayment during the two Billing Cycles immediately 
preceding the Expiration Date, you will use the prepayment first to pay the balance 
on the Deferred Interest Purchase, starting with the balance subject to the highest 
interest rate. 
14. BILLING STATEMENTS AND CREDIT BALANCES. 
a. You will provide me with a billing statement for each Billing Cycle in which: 
(i) You impose interest to this Account; or
(ii) The New Balance is more than $1.00 (whether a credit or debit balance). 
(iii) I understand that you may provide me with electronic billing statements only 
and that I can elect to receive paper statements by logging in to www.billmelater.
com. 
(iv) I agree to notify you in writing of any errors in the billing statement within 60 
days from the date it is provided. I agree to examine the billing statement and 
to notify you in writing, immediately, of any Purchases which were not made or 
authorized by me. You need not provide a billing statement to me if you deem this 
Account uncollectible or if delinquency collection proceedings have been started.
b. If the Account has a credit balance in excess of $1.00, you will refund the credit 
balance to me as required by law. I authorize you to make the refund electronically 
or  using  an  ACH,  (i)  if  I  made  the  payment  which  caused  the  credit  balance 
electronically or using an ACH, or (ii) if I typically make payments on this Account 
electronically or using an ACH.  
15. DEFAULT. I will be in default if any of the following happen: 
a. If I fail to pay any Minimum Payment Due on or before the Payment Due Date. 
b. If I fail to keep any promise or perform any duty in this Agreement, or in any other 
loan or agreement with you. 
If default occurs, you will have no duty to extend credit from this Account and 
this Account will be Terminated. You may refuse to make any new extensions of 
credit and may cancel any approved extensions of credit from the Account for any 
Purchase or transaction that has not yet appeared on a billing statement sent to 
me. This may happen without any prior notice to me. If you choose, at your sole 
option, to make new loans from this Account after default, I agree that you may 
charge those loans to this Account. In addition, if a default occurs, all amounts 
which I owe under this Agreement shall be due and payable immediately, at your 
option (subject to any applicable law to the contrary). The other provisions of this 
Agreement will continue to apply to this Account. If you get a judgment after default 
and/or if I am a debtor in an action filed by or against me under the Bankruptcy 
Code, unless prohibited by applicable law, the rates of interest applicable to this 
Account will continue to apply to the balances on this Account. A default under this 
Agreement may be deemed by us to be a default under any other account or loan 
which I have with you.
16. TERMINATION OF THE ACCOUNT. 
a. In addition to Termination by default, you may Terminate this Agreement at any 
time and for any reason subject to the requirements of applicable law. 
b. I can terminate my Account by sending written notice to the address on the 
billing statement.
c. If there is no debit or credit on this Account for twelve (12) consecutive months, 
you may terminate this Account without notice to me. 
d. After Termination, I will not be able to make new Purchases on this Account. 
Termination under this paragraph will not affect any Purchase which complies with 
this Agreement and which was made before the date of the Termination notice. 
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If you choose, at your sole option, to allow Purchases after you have Terminated 
this Account (whether or not I have given you notice Terminating this Account), I 
agree that you may charge those Purchases to this Account. After Termination 
under this paragraph, balances will continue to accrue interest until paid in full 
and I agree to pay the balance on this Account, the interest and all other amounts 
due in accordance with the terms of this Agreement. All other provisions of this 
Agreement will continue to apply.
17. YOUR LIABILITY. You have no responsibility for the failure of any Merchant 
to accept payment using the Bill Me Later Payment System. Your liability, if liability 
is provided under applicable law, for a wrongful failure to extend credit on this 
Account is limited to my actual damages. Failure to extend credit for any reason as 
provided under the terms of this Agreement will not be wrongful.
18.  AMENDMENT  OF  THIS  AGREEMENT.  You  may  amend  this  Agreement 
from time to time, in any respect by giving me written notice where required by 
law. An amendment may change something in this Agreement (for example, the 
rate of interest on any or all the parts), add something new or take something 
out. Amendments will apply to outstanding balances and new loans, except (i) an 
increase in the APR will apply to new loans made more than 14 days after written 
notice is mailed, (ii) as otherwise indicated in the written notice or (iii) as otherwise 
provided by applicable law. This Agreement, except when amended in accordance 
with this Agreement, is the final expression of the Agreement between us and may 
not be contradicted by evidence of any alleged oral agreement.
19. REMEDIES CUMULATIVE. Your remedies under this Agreement shall be 
cumulative and not alternative.
20. DELAY IN ENFORCEMENT. You can delay enforcing any of your rights under 
this Agreement without losing them. Any waiver by you of any provision of this 
Agreement will not be a waiver of the same or any other provision on any other 
occasion.
21. BOOK ENTRY SYSTEM. I hereby appoint Bill Me Later, Inc. as my agent in 
maintaining, and Bill Me Later, Inc. agrees to maintain, a book entry system that 
records the identity of the owner of each Purchase on the Account. The right to 
the principal of, and stated interest on, each Purchase on the Account may only be 
transferred through the book entry system maintained by Bill Me Later, Inc. This 
section does not affect any of Borrower’s obligations under this Agreement. This 
section does not limit or waive any of Borrower’s rights, including but not limited 
to Borrower’s Billing Rights.
22. ASSIGNMENT. I may not assign or otherwise transfer my rights and privileges 
under this Agreement, or delegate my obligations to repay amounts I owe to you. 
Any attempt to assign or delegate will be void and of no effect. You may assign any 
and all of your rights under this Agreement at any time without my consent. Any 
person, company or bank to whom you assign this Agreement shall be entitled to 
all of your rights under this Agreement. None of my rights or obligations shall be 
affected by such assignment.
23.  COMMUNICATIONS  CONCERNING  DISPUTED  DEBTS.  ALL 
COMMUNICATIONS  BY  ME  TO  YOU  CONCERNING  DISPUTED  DEBTS, 
INCLUDING AN INSTRUMENT TENDERED AS FULL SATISFACTION OF THE 
ACCOUNT, WILL BE SENT TO: Bill Me Later, P.O. Box 5018, Timonium, 
MD 21094. 
24. CREDIT INVESTIGATION AND REPORTING. I authorize you to make or have 
made any credit, employment and investigative inquiries you deem appropriate 
related to this Account and the collection of amounts owed on this Account. I agree 
that you have the right to obtain a credit report in connection with your review of my 

application for this Account and for an increase in the Credit Line and occasionally 
and routinely, during the term of this Account, as you deem reasonably necessary 
to maintain and collect this Account. I authorize you to answer any questions about 
your experience with me related to this Account and to report that experience to 
credit reporting agencies.
25. NOTICES AND CUSTOMER SERVICE, COMMUNICATIONS BETWEEN 
US;  CONSENT  TO  ELECTRONIC  COMMUNICATIONS  AND  MONITORING 
AND RECORDING. I may send written notices, correspondence, inquiries and 
questions concerning my Account to you at Bill Me Later, PO Box 2394, Omaha, 
NE 68103-2394. I may also call your customer service department at 1-866-
528-3733. You may use any means of communication to contact me for any 
lawful purpose (including debt collection). Such means of communication may 
include, but are not limited to, postal mail, telephone, e-mail, text message or 
other technology, even if I am charged for the contact. I am responsible for any 
charges for contacting me that may be billed to me by my communications carrier. 
You may contact me at any address (including any e-mail or text message address) 
or telephone number (including any cellular telephone number or landline number 
that is later ported to a cellular telephone) that I give you or from which I call 
you. You may monitor, tape or electronically record my telephone calls with you, 
including any calls with your customer service department, collection department 
and any other department. You may contact me using an automatic dialing and 
announcing device that may play recorded messages. I understand and agree that 
by providing you with a cellular telephone number, I consent to receive calls at that 
number by an automatic dialing and announcing device or recorded messages. No 
contact from you will be deemed unsolicited. I may contact your customer service 
department to ask that you not contact me by using any one or more particular 
methods or technologies. 
26. GOVERNING LAW, CONSTRUCTION AND DISPUTES. 
a. Governing Law and Construction. This Agreement has been accepted by 
you in the state of Utah, and all extensions of credit will be made by you in the state 
of Utah. Regardless of the state of my residence or the place where the Merchant 
is located, I agree that the provisions of this Agreement relating to interest, charges 
and fees shall be governed by federal law and construed in accordance with federal 
law and, as made applicable by federal law, the law of the state of Utah. Other 
terms and provisions shall be governed by and construed in accordance with the 
law of the state of Utah, without regard to principals of conflicts of law, except to 
the extent preempted, superseded, or supplemented by federal law. 
b. Forum for Disputes. Except as otherwise agreed by the parties, I agree that 
any claim or dispute I may have against you must be resolved by a court located in 
Utah. I agree to submit to the personal jurisdiction of the courts located within Utah 
for the purpose of litigating all such claims or disputes. 
c. Improperly Filed Litigation. All claims I may bring against you must be 
resolved  in  accordance  with  section  26  of  this  Agreement.  All  claims  filed  or 
brought contrary to section 26 shall be considered improperly filed and a breach 
of this Agreement. Should I file a claim contrary to section 26, you may recover 
attorneys’  fees  and  costs  (including  in-house  attorneys  and  paralegals)  up  to 
$1,000.00 USD, provided that you have notified me in writing of the improperly 
filed claim, and I have failed to promptly withdraw the claim.
27. SEVERABILITY. If any provision of this Agreement is held to be invalid or 
unenforceable, such determination shall not affect the validity or enforceability of 
the remaining provisions of this Agreement.
28. BORROWER’S BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE.

Credit Card Purchases means Purchases made with this Account. This notice 
is required by federal law. In this notice, “you” and “your” mean the Borrower. 
“We” and “our” mean the Lender. This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
  Bill Me Later, P.O. Box 5018, Timonium, MD 21094.
In your letter, give us the following information:
  •  Account information: Your name and account number. 
  •  Dollar amount: The dollar amount of the suspected error. 
  •   Description of problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake.

You must contact us:
  •  Within 60 days after the error appeared on your statement. 
  •   At least 3 business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us or email 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:
  •   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 line. 
After we finish our investigation, one of two things will happen:
  •   If we made a mistake: You will not have to pay the amount in question or 

any interest or other fees related to that amount. 

  •   If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you owe 
If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report 
you as delinquent without also reporting that you are questioning your bill . We 
must tell you the name of anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount 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. Purchases made with 
cash advances from an ATM or with a check that accesses your credit card account 
do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing or electronically at:
  Bill Me Later, P.O. Box 5018, Timonium, MD 21094. 
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.
Bill Me Later® Privacy Policy

rev. September 2010

FACTS WHAT DO WEBBANK (Lender) and BILL 

ME LATER, INC. (Servicer) DO WITH YOUR 
PERSONAL INFORMATION IN CONNECTION 
WITH YOUR BILL ME LATER ACCOUNT?

Why?

What?

How?

Financial companies choose how they share your 
personal information. Federal law gives consumers 
the right to limit some but not all sharing. Federal law 
also requires us to tell you how we collect, share, and 
protect your personal information. Please read this notice 
carefully to understand what we do.

The types of personal information we collect and share 
depend on the product or service you have with us. This 
information can include:
 • Social Security number and income
 • Account balance and transaction history
 • Credit history and credit score

All financial companies need to share customers’ 
personal information to run their everyday business. In  
the section below, we list the reasons financial companies 
can share their customers’ personal information; the 
reasons WebBank and Bill Me Later, Inc. choose to share; 
and whether you can limit this sharing.

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Reasons we  
can share your  
personal information

For our everyday business purposes – 
such as to process your transactions, 
maintain your account(s), respond to court 
orders and legal investigations,  
or report to credit bureaus
For our marketing purposes – 
To offer our products and services to you
For joint marketing with  
other financial companies
For our affiliates’ everyday business 
purposes – information about your 
transactions and experiences
For our affiliates’ everyday business 
purposes – information about your 
creditworthiness
For our affiliates to market to you
For non-affiliated companies  
to market to you

Can you 
limit this 
sharing?

Does 
WebBank  
or Bill Me 
Later, Inc. 
share?

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

No

Yes

Yes
We don’t 
share

To limit 
our sharing

 •  Call 866-528-3733 – our menu will prompt you 

through your choice(s) or

 •  Visit us online at: 

www.billmelater.com/about/privacy-policy.xhtml 
Please note: If you are a new customer, with respect 
to those circumstances in which you can limit our 
sharing, we can begin sharing your information 30 
days from the date we sent this notice. When you are 
no longer our customer, we continue to share your 
information as described in this notice.
However, you can contact us at any time to limit  
our sharing.

Questions?

Call: 866-528-3733 or go to  
www.billmelater.com/about/privacy-policy.xhtml

Who we are
Who is providing  
this notice?

What we do
How do WebBank 
and Bill Me 
Later protect 
my personal 
information?

WebBank (Lender) and Bill Me Later, Inc. (Servicer)

To protect your personal information from 
unauthorized access and use, we use security 
measures that comply with federal law. These 
measures include computer safeguards and  
secured files and buildings.

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How do WebBank 
and Bill Me 
Later collect 
my personal 
information?

Why can’t I limit 
all sharing?

What happens 
when I limit 
sharing for an 
account I hold 
jointly with 
someone else?

Definitions
Affiliates

Non-affiliated 
Companies

Joint Marketing

We collect your personal information, for example, 
when you:
 • Open an account or use your account
 • Pay your bill or give us your contact information
 • Provide account information
We also collect your personal information from 
others such as credit bureaus, affiliates, and other 
companies.
Federal law gives you the right to limit only:
 •  sharing for affiliates’ everyday business purposes – 

information about your creditworthiness

 •  affiliates from using your information 

to market to you

 •  sharing for non-affiliated companies 

to market to you

State laws and individual companies may give you 
additional rights to limit sharing. See below for more 
on your rights under state law.
We do not have joint accounts.

Companies related by common ownership or control. 
They can be financial and nonfinancial companies.
 •  WebBank does not share with affiliates. Bill Me Later, 
Inc.’s affiliates include financial companies such as 
PayPal and nonfinancial companies such as eBay.
Companies not related by common ownership or 
control. They can be financial and non-financial 
companies.
 •  We do not share with nonaffiliates so they can 

market to you.

A formal agreement between nonaffiliated financial 
companies that together market financial products or 
services to you. 
 •  Our joint marketing partners include financial 

companies such as banks or insurers.

Other Important Information
If you live in Vermont, we will not share information about your creditworthiness 
with our affiliates for their everyday business purposes unless you consent to 
that sharing. If you live in California, we will not share information about you (1) 
with our affiliates for their own purposes or (2) for joint marketing with other 
financial companies.

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Terms and Conditions of the  
Bill Me Later® Payment System 
The  Terms  and  Conditions  of  Bill  Me  Later®  include  the  following:  Important 
Disclosures, Account Agreement, and Privacy Notice. 

Bill Me Later® Important Disclosures
The information that follows includes important information about the 
cost of credit and the interest rates that apply to your account.

Interest Rate and Interest Charges
Annual Percentage Rate 
(APR) for Standard and 
Promotional Purchases
Paying Interest

18.99%*

My due date is at least 25 days after the close 
of each billing cycle. You will not charge any 
interest on Standard or Promotional Purchases 
(excluding Promotional Purchases subject to 
a Deferred Interest option) if I pay the entire 
balance by the due date each month. You will 
begin charging interest on Purchases subject 
to an Extended Grace Period on the last day 
of the billing cycle in which the expiration date 
occurs, which will be at least 58 days after the 
transaction date. You will charge interest on a 
Deferred Interest Purchase from its transaction 
date, unless I pay the Deferred Interest 
balance in full by its expiration date, which will 
be at least 6 months after the transaction date.  
If I am charged interest, the charge will be no 
less than $2.00.
To learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Federal Reserve Board at  
http://federalreserve.gov/creditcard.

None.

If the minimum  
payment due is: 
$25 or less 
Over $25  

The late fee is: 

Up to $5.00
Up to $35.00

Minimum Interest 
Charge
For Credit Card Tips  
from the Federal 
Reserve Board

Fees
Annual Fees
Penalty Fees
  •  Late Payment Fee

Up to $35.00

  •  Return Check Fee
How  Lender  Will  Calculate  the  Balance:  Lender  uses  a  method  called 
“average daily balance” (including new purchases). See the account agreement 
for more details. 
Billing Rights: Information on Borrower’s rights to dispute transactions and how 
to exercise those rights is provided in the account agreement. 

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*From time to time Lender may offer Standard Purchases 
or  Promotional  Purchases  with  a  lower  rate  that  may 
apply for a limited time.
Amendment  of  the  Terms  and  Conditions.  Lender  may  amend  the 
Agreement,  including  any  of  the  terms  stated  above,  from  time  to  time,  in 
accordance with the paragraph of the Agreement called “Amendment of this 
Agreement.” 
Important information about procedures for opening a new 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 Borrower: When Borrower opens an account, Lender will obtain Borrower’s 
name, address, date of birth, and other information that will allow Lender to 
identify Borrower. Lender will verify this information with Borrower or others. 
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. 
As  required  by  California  law,  a  married  applicant  may  apply  for  a 
separate account. 
Lender may obtain a report from a consumer credit reporting agency 
in  connection  with  an  application  for  a  Bill  Me  Later  Account,  an 
application  for  a  Credit  Line  increase,  a  routine  and  occasional 
verification of credit on this Account and collection of any amounts 
outstanding. If Applicant(s) requests to be informed whether or not 
a  consumer  credit  report  was  obtained,  Lender  will  provide  that 
information,  including  the  name  and  address  of  each  consumer 
reporting agency from which a consumer credit report was obtained. 
Bill Me Later® Account Agreement
NOTICE TO BORROWER: (1) CAUTION - IT IS IMPORTANT THAT BORROWER 
THOROUGHLY READ THE DISCLOSURES AND AGREEMENT BEFORE BORROWER 
AGREES, (2) BORROWER SHOULD RETAIN A COPY OF THE DISCLOSURES AND 
AGREEMENT FOR BORROWER’S RECORDS. 
This Agreement sets forth the terms and conditions of the Bill Me Later Credit 
Account and the extensions of credit made by WebBank, Salt Lake City, Utah (“the 
Lender”). Please read this Agreement and keep a copy. 
1.  DEFINITIONS.  In  this  Bill  Me  Later  Account  Agreement,  the  following 
definitions apply: 
“Account”  means  the  Bill  Me  Later  open-end  (revolving)  account  that  is  the 
subject of this Agreement. 
“Agreement” means the Bill Me Later Important Disclosures, Account Agreement, 
and any amendment or addendum to this Agreement.
“Bill Me Later Payment System” is the payment system which allows me to pay 
for Purchases from participating Merchants by charging the Costs to my Account. 
In this Agreement it may be called simply “Bill Me Later.”
“Purchases” are extensions of credit made on the Account to the Borrower, when 
the Borrower chooses the Bill Me Later Payment System to pay for a purchase 
from  a  Merchant.  For  some  purposes,  including  Borrower’s  Billing  Rights, 
Purchases may be considered to be credit card purchases.

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a. Parties to this Agreement.
“I”, “me” and “Borrower” mean the person who applied for this Account and 
agrees to this Agreement. 
“You” means the Lender, and any person, company or bank to whom the rights 
of the Lender have been assigned.
b. Other Parties.
“Bill Me Later, Inc.,” located in Timonium, Maryland, developed Bill Me Later 
and provides services for the Lender, such as processing transactions, keeping 
records, sending billing statements and providing customer service. (“Bill Me 
Later” is a registered trademark of Bill Me Later, Inc.) 
“Merchant” means a merchant participating in and authorized to accept the Bill 
Me Later payment option.
c. Parts of the Account. 
“Standard Purchases” are subject to the standard repayment terms, Grace Period 
and Annual Percentage Rate, unless they are subject to an Extended Grace Period. 
“Purchases subject to an Extended Grace Period” are Standard Purchases subject 
to special repayment terms and a special Grace Period; they are subject to the 
standard Annual Percentage Rate. The Extended Grace Period ends on the last 
day of the billing cycle in which the Expiration Date occurs. The Extended Grace 
Period will end no earlier than 58 days after the transaction date, as disclosed 
when the transaction is made. No payments are due and no interest accrues 
during the Extended Grace Period. A Purchase subject to an Extended Grace 
Period, where the Expiration Date is 90 days after the transaction date, may be 
called a “Take 90. No Payments, No Interest for 90 days” Purchase or a “90 
Days Extended Grace” Purchase (the number of days can vary, but will not be 
less than 58 days). After its Extended Grace Period, a Purchase subject to an 
Extended Grace Period is a Standard Purchase and is not a Purchase subject to 
an Extended Grace Period. 
“Promotional  Purchases”  may  be  subject  to  special,  promotional  repayment 
terms and/or Annual Percentage Rates for all or part of the time they are unpaid. 
Promotional Purchases are subject to the standard repayment terms and rate, 
except to the extent that the promotional offer states different terms.
“Deferred Interest Purchases” are Promotional Purchases on which no interest 
will be charged if they are paid in full within the deferred interest period. Interest 
will be charged from the purchase date if the Purchase balance is not paid in full 
within the deferred interest period. The deferred interest period may be 6 months 
or more as disclosed when the transaction is made. 
“No payments for 6 months Purchases” are Deferred Interest Purchases on which 
no payments will be due during a 6 month deferred interest period. 
“No interest if paid in full Purchases” are Deferred Interest Purchases on which 
payments will be due during the deferred interest period.
d. Other Definitions used in this Agreement.
“Billing Cycle” means the time between the dates on which you prepare billing 
statements, or would have prepared them if statements were required under the 
paragraph of this Agreement called “Billing Statements.” The Billing Cycle will 
end on approximately the same day of each month. You may change the day the 
Billing Cycle ends, at your option. The Billing Cycle will end on any day that you or 
I Terminate the Account and I pay the balance in full.
“Closed-end Loan” means a closed-end loan from the Lender to the Borrower, 
the proceeds of which were paid to a Merchant to pay the Cost of Borrower’s 
purchase from the Merchant, using Bill Me Later, at a time when the Borrower 
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did not have an active Account.
“Cost” means the price of any item I purchase from a Merchant using Bill Me 
Later, plus any fee or charge I agree to pay the Merchant, including Interest 
Charges, the cost of shipping and taxes, less any applicable discount or credit 
offered by the Merchant.
“Credit Line” means the dollar amount of credit available for me to borrow on this 
Account. The total balances of all parts of the Account plus transactions which 
have been authorized but not yet posted to the Account (but not including unpaid 
Fees) may not exceed the Credit Line. You will treat any request for an extension 
of credit that would cause the balance to exceed the Credit Line as a request to 
increase the Credit Line.
“Expiration  Date”  for  a  Deferred  Interest  Purchase  is  the  date  on  which  the 
deferred  interest  period  ends;  for  a  Purchase  subject  to  an  Extended  Grace 
Period, it is a date at least 58 days (or other period) after the transaction date, as 
disclosed when the transaction is made. 
“Grace Period” means the period within which I may repay a loan without incurring 
any interest on that loan. The Grace Period applies only to Standard Purchases 
and Promotional Purchases which are not Deferred Interest Purchases.
“Payment  Due  Date”  means  the  date  which  will  appear  each  month  as  the 
“Payment Due Date” on the billing statement. 
“Termination” means that I will no longer be able to obtain loans or any extension 
of credit on this Account. Termination affects the Account permanently, at the 
sole discretion of the Lender. 
2. GENERAL DESCRIPTION OF THE ACCOUNT. This is a multi-part open-end 
credit account. I will make a Purchase using this Account by choosing the Bill Me 
Later Payment System when I make a purchase from a Merchant at a web site, 
by telephone, or at another authorized location. Purchases will be added to the 
balance of the Standard Purchases part of the Account, unless they are subject to 
special terms for Promotional Purchases. You will charge interest on all parts of 
this Account, beginning on each transaction date, except during the Grace Period 
and as otherwise provided in the paragraph of this Agreement called “Interest 
Rate and Interest Charges.” I will only have the right to use some parts of the 
Account from time to time, when you make a special offer. The rate of interest 
may be different for different parts of the Account. You may make changes in this 
Agreement as explained in the paragraph called “Amendment of this Agreement.”
3. HOW I AGREE TO THIS AGREEMENT. I agree to this Agreement and I make 
the promises it contains by doing either of the following: 
a. Requesting an Account. I may request an Account in any of the ways you 
may provide.
b. Using Bill Me Later after I receive this Agreement. If I obtain a Closed-
end Loan from you, you may send me information about Bill Me Later, including 
this Agreement. By using Bill Me Later after I receive this Agreement, I agree to 
this Agreement. 
4. HOW I CAN USE THIS ACCOUNT. 
a. Standard and Promotional Purchases. I can make a Purchase using this 
Account by choosing the Bill Me Later Payment System when I make a purchase 
from a Merchant at a web site, by telephone, or at another authorized location. 
You will extend credit to me, in the amount of the Cost of the Purchase, by paying 
the Merchant on my behalf. These Purchases will be subject to the Standard 
Purchase terms, unless special terms are in effect at the time of the Purchase or 
are offered by the Merchant.

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b. Refinance of Closed-end Loan. If I have any unpaid Closed-end Loans from 
you at the time I open this Account, I request that you refinance the Closed-end 
Loans by extending credit from this Account. If a Closed-end loan is subject to 
a Promotional rate or a Deferred Interest provision, the extension of credit will 
be from an equivalent Promotional or Deferred Interest part of the Account. If 
the Closed-end Loan is not subject to a Promotional rate or a Deferred Interest 
provision, the extension of credit will be from the Standard Purchases part of 
the Account. 
c. Other Agreements about Purchases. 
(i) Credit Line.  At the time I open my Account and obtain my first extension of 
credit, you will evaluate my request for credit. Unless you notify me that my Credit 
Line is another amount (which could be higher or lower), my Credit Line will be 
the greater of: (A) the highest total of balances of all parts of the Account (but not 
including unpaid Fees) that was outstanding at any time (“highest balance”), or 
(B) $500 (“minimum Credit Line”). 
For example: 
  •   If my first Purchase is for $150, my Credit Line will be $500 (the “minimum 

Credit Line”). 

  •   If my first Purchase is for $650, my Credit Line will be $650 (the “highest 
balance”). If I repay $300, I will have $300 credit available to borrow. 
If try to make a Purchase that would cause my outstanding balance to be above 
my Credit Line, you will treat that as a request to increase the Credit Line. 
For example: 
  •   If my Credit Line is $650, I have a $200 balance, and I try to make a 
Purchase of $500, you will treat this as a request for an increase in the 
Credit Line. If you approve this transaction, my new Credit Line will be 
$700 (the “highest balance”). 

You have the option to refuse a request for an increase, but you will notify me 
of the reasons for any refusal. You may occasionally and routinely verify credit 
information about me and obtain an updated consumer report in connection with 
this Account. You may decrease my Credit Line at any time. You will notify me 
at the time you do so. 
(ii) You may charge my Account for Purchases. I authorize you to charge 
this Account for the Cost of any purchase I, or anyone to whom I have given 
permission to use this Account make from a Merchant using Bill Me Later. I 
understand that the amount that you actually pay to the Merchant may be less 
than the Cost, because the Merchant may agree that you may retain a portion of 
the Cost in order to participate in Bill Me Later.
(iii) You may charge my Account for Interest and Fees. I authorize you to 
charge this Account for interest, any Fees, costs of collection, and amounts that 
I agree in this Agreement to pay. 
5. MY PERSONAL INFORMATION. When I choose Bill Me Later to make a 
Purchase, I authorize the Merchant to share my personal information with you 
to the extent necessary for you to make a credit decision in order to open my 
Account or increase my Credit Line, and to complete my transaction, including 
verifying my identity, paying the Merchant on my behalf, charging my Account for 
the Costs of the purchase, sending me a billing statement, servicing my Account 
and for all other lawful purposes in connection with this Account. I authorize 
the Merchant to share my email address with you. I consent to your sending 
me  emails  for  any  lawful  purpose  in  connection  with  this  Account,  including 
commercial emails for marketing Bill Me Later, its features, and the benefits of 
using Bill Me Later at Merchants who accept it. I may withdraw my consent to your 
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sending me commercial emails, at any time, by changing my “email preferences” 
at the www.billmelater.com website, or by “unsubscribing” when you send me 
an email. 
6.  PROMISE  TO  PAY.  Borrower  promises  to  pay  to  you  the  balance  on  this 
Account,  including  all  Purchases,  extensions  of  credit  and  other  amounts 
Borrower has authorized you to charge to this Account. Borrower promises to pay 
these amounts as agreed in this Agreement, including the promise to make the 
Minimum Payment Due each month on or before the Payment Due Date. 
7. BORROWER ALSO PROMISES:
a. To pay for all Purchases made by me and by someone I authorized to use this 
Account. You (and any person who may decide whether I am liable for amounts 
charged  to  this  Account)  may  presume  that  I  have  authorized  any  Purchase 
made in my name using this Account, if the purchase is delivered in my name 
to my address, unless I return the purchase to the Merchant within a reasonable 
period of time. I will not be responsible for any unauthorized Purchases using 
this Account. 
b. To give you personal financial information about me that you may reasonably 
request, from time to time.
c. To pay all costs of collection if you take any action to collect this Account or take 
any action in a bankruptcy proceeding filed by or against me, if you are permitted 
by applicable law to charge those costs. This shall include, unless prohibited by 
applicable law, reasonable attorneys’ fees and expenses to the maximum amount 
permitted by applicable law.
d. Not to give you false information or signatures, electronic or otherwise, at 
any time.
e. To pay a Late Fee and Return Check Fee, as provided in this Agreement.
f. To make all payments by check, money order, electronic funds transfer or 
ACH in U.S. Dollars, drawn on funds on deposit with a U.S. financial institution 
or a U.S. branch of a foreign financial institution, in a form that will be processed 
and  honored  by  your  financial  institution,  in  accordance  with  the  reasonable 
requirements set forth on the billing statement, and to make each payment so 
that you receive it at the remittance address disclosed on the billing statement. 
If I make a non-conforming payment, you may refuse to accept the payment 
or, if you do accept it, I agree to pay your costs of processing the payment. A 
non-conforming payment, if accepted by you, will be credited to my Account not 
more than 5 days after the date you receive it, unless otherwise required by law. 
A non-conforming payment includes, among other things, a payment that is not 
made in accordance with this paragraph and with the reasonable requirements set 
forth on the billing statement, oversized and undersized instruments, instruments 
using non-standard materials, instruments in a non-standard format, and any 
non-standard instrument that requires special handling. 
g. That when I make a payment on this Account by check, I authorize you to use 
information from my check to make a one-time electronic fund transfer from my 
account. In certain circumstances, such as for technical or processing reasons, 
you may process my payment as a check transaction. When you use information 
from my check to make an electronic fund transfer, funds may be withdrawn from 
my account as soon as the same day you receive my payment, and I understand 
that I will not receive my check back from my financial institution. I have the right 
to withdraw this authorization at any time by informing you that I do not want you 
to use the information from my checks to make an electronic fund transfer; to 
do so, I must contact you in writing at Electronic Check Opt Out, P.O. Box 4415, 
Timonium, MD 21094 and provide you with my name, Bill Me Later Account 
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number and the name of the financial institution and account number from which 
my checks are drawn.
h. To promptly notify you if I change my name, my mailing address, my e-mail 
address or my telephone number.
i. To honor any other promises that I make in this Agreement.
j. That I will not accept this Account unless I am of legal age in the state where I 
reside and am a resident of the U.S.A.
k. If I am dissatisfied with goods or services I purchased from a merchant, I will 
try in good faith to resolve the dispute and correct the problem directly with the 
Merchant. I agree to allow a reasonable period of time for the Merchant to resolve 
the dispute. This shall in no way limit or reduce my rights in case of a billing error.
l. To use Bill Me Later only for personal, family or household purposes. 
8. SECURITY INTEREST. You will not take any security interest to secure this 
Account. 
9. INTEREST RATE AND INTEREST CHARGES. Except during the Grace Period, 
Borrower agrees to pay interest on the outstanding balance of each part of this 
Account, including billed interest and billed Fees, at all times that this Account 
is  in  effect,  including  any  period  after  Termination  in  which  there  remains  an 
outstanding balance. The interest will be calculated for each part of the Account 
separately, as of the last day in the Billing Cycle (the “Statement Date”), in the 
following way: 
a. Parts of the Account. For the purposes of assessing interest, each part of 
the Account will be calculated separately. Parts may be called “Transaction Types” 
on the billing statements. 
(i) Standard Purchases. All Standard Purchases and any other balances that 
are moved to the Standard Purchases part of the Account will be a single part. At 
your option, Purchases subject to an Extended Grace Period may be treated as 
separate parts.  
(ii) Promotional Purchases. 
Promotional Purchases while subject to different Promotional rates, terms, and 
Deferred Interest terms will be different parts. 
  •   Deferred  Interest  Purchases.  From  time  to  time,  you  may  offer 
Promotional  Purchases  with  a  Deferred  Interest  option.  All  Purchases 
subject to the same rate, Deferred Interest terms and Expiration Date will 
be a single part; at your option, you may consider any Deferred Interest 
Purchase to be a separate part, or may consider Deferred Interest Purchases 
from different Merchants to be different parts. If I pay the balance on the 
Deferred Interest part (which is called the “Deferred Interest Balance”) in full 
by the Expiration Date, you will not charge any interest for that part. You will 
calculate the interest for each Billing Cycle prior to the Expiration Date and 
disclose it on the Billing Statement as the Accrued Deferred Interest. If I do 
not pay the balance on a Deferred Interest part of the Account before the 
Expiration Date, you may charge my Account, in the Billing Cycle in which 
the Expiration Date occurs, interest on each Promotional Purchase from the 
date of each Purchase (each “transaction date”). 

  •   End of Promotional Terms. If a part is subject to a special promotional 
rate or Deferred Interest term which ends as of a certain date (“Expiration 
Date”), I authorize you to move, on or after that date, the balance remaining 
in that part to the Standard Purchases part of the Account, and it will be 
subject to the repayment and interest terms for Standard Purchases.  
b. When the Interest begins. The interest begins to accrue on the transaction 

date, except (i) interest does not accrue on any portion of a Purchase that I repay 
during the Grace Period for the Purchase, if a Grace Period is applicable to the 
Purchase;  (ii)  interest  does  not  accrue  during  the  Extended  Grace  Period,  if 
applicable to that Purchase, and (iii) interest will not be assessed if the conditions 
in the following paragraph are met.
c. Assessing Interest. You will not assess interest on Standard or Promotional 
Purchases  during  any  Billing  Cycle  in  which  my  payments  and  credits  on  or 
before the Payment Due Date reduce the outstanding balance for Standard and 
Promotional Purchases (excluding Standard and Promotional Purchases I made 
during the Billing Cycle, excluding Deferred Interest Purchases, and excluding 
Purchases subject to an Extended Grace Period) to zero or to a credit balance. This 
does not apply to a Deferred Interest Purchase. 
d. Grace Period. Only Standard Purchases and Promotional Purchases (other 
than a Deferred Interest Purchase) are eligible for a Grace Period. If a Purchase 
which is eligible for a Grace Period is made during a Billing Cycle in which no 
interest was assessed on the Purchase because of the preceding paragraph, you 
will not assess interest on any portion of the Purchase which I repay on or before 
the Payment Due Date in the next cycle. You will not assess any interest on a 
Purchase that is subject to an Extended Grace Period before the last day of the 
Billing Cycle in which its Expiration Date occurs. 
e.  How  you  will  determine  the  balance  on  which  the  interest  is 
computed. You will compute the interest for each part on the “Average Daily 
Balance” (including new Purchases) for that part during the Billing Cycle. To get 
the Average Daily Balance for each part, you will take the beginning balance for 
each part each day and add any new Purchases and adjustments posted that day, 
including billed interest and billed Fees; then subtract any balances subject to an 
Extended Grace Period, any payments and any credits. This gives you the “Daily 
Balance.” Then, you add up all the Daily Balances for the Billing Cycle for that part 
and divide the total by the number of days in the Billing Cycle. The result is the 
Average Daily Balance for that part. You will treat any Average Daily Balance which 
is a credit balance as zero. 
f. How you compute the Interest. You will compute the interest during the 
Billing Cycle for each part separately. For each part, you will multiply the Average 
Daily Balance for the Billing Cycle by the number of days in the Billing Cycle; then 
you will multiply the product by the Daily Periodic Rate in effect for that part during 
that Billing Cycle. The result is the interest for that part. You will then add up the 
interest for all the parts, to get the interest for the Account.
g. Minimum Interest Charge. If the Daily Balance of any part (excluding any 
balance on a Deferred Interest Purchase, prior to its Expiration Date, and any 
Purchase subject to an Extended Grace Period), on the last day of a Billing Cycle 
(the Statement Date), is greater than zero, and if the interest for the Billing Cycle is 
greater than zero but less than $2.00, you may assess a Minimum Interest Charge 
(which will be shown on the billing statement as a fee called a “Minimum Interest 
Charge”) of $2.00 for the Billing Cycle.
h.  Rate  of  Interest.  You  will  compute  the  interest  on  the  Standard  and 
Promotional Purchases parts using the Daily Periodic Rate of 0.05203%. This 
corresponds to the ANNUAL PERCENTAGE RATE of 18.99%. However, if you 
have disclosed a special promotional rate at the time you made the special offer, 
according to law, you will compute the interest on the Promotional Purchases parts 
using that special promotional rate.
10. FEES. I agree to pay the following Fees, as applicable. I agree that you may 
allocate any Fee to the Standard Purchases part of the Account. 

a. Penalty Fees.
(i)  Late  Payment  Fee.  You  will  charge  me  a  Late  Fee  for  each  month  the 
Minimum Payment is not paid in full by its Payment Due Date. The amount of the 
Late Fee will be the amount of the missed payment, up to $25 the first time I am 
late. If my payment is late again within the next six billing cycles after any prior late 
payment, the amount of the Late Fee will be the amount of the missed payment, up 
to $35. No Late Fee will be due if the reason the Payment is late is either: 
(A) attributable to a Late Fee assessed on an earlier payment; or
(B) because, after default, the entire balance on this Account is due. 
(ii) Return Check Fee. If my payment on this Account is made with a check, 
including a draft, order or other instrument that is returned by a drawee for “not 
sufficient funds” in the account on which the check is written, you will charge me 
a Fee equal to the amount of my payment, up to $25 for my first returned check. 
For subsequent returned checks in the next six billing cycles, the amount of the 
Fee will be the amount of my payment, up to $35. You will not charge the service 
charge, however, if you redeposit the check and it is paid. 
b. Fee for providing a copy of billing statement. Unless you are required by 
law to provide me with a copy of a billing statement for a Billing Cycle other than 
the current Billing Cycle, I agree to pay you a fee of ten dollars ($10.00) per billing 
statement if I request a copy. 
11. MINIMUM PAYMENT DUE. The Minimum Payment will be due each Billing 
Cycle, on or before the Payment Due Date. The amount of the Minimum Payment 
Due will be the sum of the current payment due for the Account plus any amounts 
past due from previous Billing Cycles. The current payment due will be the greatest 
of (A) $35.00; or (B) 3% of the balances on the Account (excluding any balance on 
a no payments for 6 months (or 9 months or 12 months, as applicable) Purchase 
prior to its Expiration Date, and excluding any balance subject to an Extended 
Grace Period), on the last day of the Billing Cycle; or (C) 1% of the balance on 
the Account (excluding any balance on a no payments for 6 months (or 9 months 
or 12 months, as applicable) Purchase prior to its Expiration Date, and excluding 
any balance subject to an Extended Grace Period), on the last day of the Billing 
Cycle plus any interest assessed on the Account in that billing cycle (excluding any 
accrued interest on a Deferred Interest Purchase that has been billed in that billing 
cycle), plus any Late Fees and Other Fees assessed on the Account in that billing 
cycle. The payment will be rounded down to the next whole dollar. 
12. PAYMENT APPLICATION. You will use each payment in the amount of the 
Minimum Payment Due or less, when I am not in default, first to pay billed interest, 
then billed Fees, then the principal balance (in any order you choose), and then any 
other amounts due. However, if I have a balance on a Deferred Interest Purchase, 
during the two Billing Cycles immediately preceding the Expiration Date, you may 
use the payment first to pay the balance on any Deferred Interest Purchases, (in 
any order you choose).  
13. PREPAYMENT. If I pay an amount greater than the Minimum Payment Due 
in any Billing Cycle, the amount in excess of the Minimum Payment Due is a 
“prepayment.” A prepayment will not affect the way you calculate the amount of the 
next Minimum Payment, and I will nevertheless make the Minimum Payment the 
next Billing Cycle. I MAY MAKE PREPAYMENTS IN ANY AMOUNT AND MAY 
PAY THE ENTIRE BALANCE OR ANY PART OF IT AT ANY TIME PROVIDED 
THAT I PAY AT LEAST THE MINIMUM PAYMENT DUE IN EACH BILLING 
CYCLE WHEN IT IS DUE. If I make a prepayment, you will use the prepayment 
to pay the balances starting with the balance with the highest interest rate (in any 
order you choose), then the balances with the next highest interest rate (in any 

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