3.625 inches

3.6875 inches

3.6875 inches

Agreement may not be contradicted by evidence of any alleged prior oral agreement or of an alleged 
contemporaneous oral agreement between you and us.
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 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/

Fingerhut Arbitration, P.O. Box 1250, St Cloud, MN 56395-1250. 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, call us at 1-866-734-0342 or write to us at: Credit Bureau 
Reporting Services, P.O. Box 1250, St Cloud, MN 56395-1250. Please include a copy of the credit report 
reflecting the information that you believe is inaccurate.
All Accounts, including California and Utah Residents: As required by applicable 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.
All  Accounts,  including  New  York/Rhode  Island/Vermont  Residents:  You  agree  to  give  WebBank 
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. Alimony, child support or separate maintenance payments need not be revealed if you do not 
want us to consider it in determining your creditworthiness. 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: 1-800-518-8866.
Connecticut Residents: Damages may be imposed if a check is dishonored. Connecticut General Statutes 
§ 52-565a authorizes 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 the 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 banking department to obtain 
a  comparative  listing  of  credit  card  rates,  fees  and  grace  periods:  1  State  St.,  New  York,  NY  10004, 
1-800-518-8866. 
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, any unilateral statement, 
or court decree under Wisconsin’s Marital Property Act adversely affects the interest of a creditor unless, 
prior to the time credit is granted, the creditor is furnished a copy of that agreement, statement or decree 
or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. 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 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 will not be able to pay 
your bills from us as they become due. 
Texas  Residents:  To  contact  us  about  your  Account  call  1-800-208-2500.  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 78705-4207. Phone (800) 538-1579; www.occc.state.tx.us. Contact the 
Commissioner relative to any inquires or complaints.

61548  2/13

Effective 3/7/2013

WebBank
Fingerhut Credit Account Agreement
This  is  the  Agreement  which  covers  your  credit  account  (called  your  “Account”)  with  WebBank  for 
purchases you make with Fingerhut. Do not enter into this Agreement before you read it or if any spaces 
intended for the agreed terms are left blank. You are entitled to a copy of this Agreement at the time 
you sign it. You acknowledge that you have received a copy of this Agreement for your records.
You can use your Account to purchase goods or services from Fingerhut or any merchant authorized to 
accept your Account, and to pay for goods and services offered in connection with your Account. You 
may at any time pay off the full balance of 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. Your Account is an open end account, subject to the following credit limits. 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 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.
Payments. The minimum payment is based on your Account balance as outlined in the Payment Chart 
below. The minimum payment is due by the date set forth on the Statement. We will not impose any 
late charges if you pay at least the minimum payment reflected in your Statement by the payment due 
date specified, which will always be at least 24 days from the Statement date. If you wish, you may pay 
more than the minimum payment and at any time you may pay the entire new balance, without penalty.
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; (7) is not payable in U.S. dollars; or (8) is not paid upon presentment. 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 phone and when made 
with the assistance of a service representative of the company for an expedited payment posted on the 
same day. The fee will be disclosed at the time you request to make the payment. 

3.6875 inches

3.6875 inches

3.625 inches

Payment Chart

Account Balance
To
From 
$5.98 
– 
$44.99 
$5.99 
$69.99 
$45.00 
$70.00 
$99.99 
$124.99 
$100.00 
$199.99 
$125.00 
$249.99 
$200.00 
$299.99 
$250.00 
$349.99 
$300.00 
$449.99 
$350.00 
$549.99 
$450.00 
$799.99 
$550.00 
$1,099.99 
$800.00 
$1,100.00 
$1,399.99 
$1,400.00 

Minimum PMT $

100%
$5.99
$6.99
$7.99
$9.99
$13.99
$16.99
$19.99
$22.99
$28.99
$33.99
$46.99
$59.99
$69.99
5%

How We Figure Periodic Interest Charges. To calculate the Interest Charge for each monthly statement we 
multiply the average daily balance times the monthly periodic rate. Your monthly periodic rate may vary 
each billing cycle. Certain purchases may be subject to a deferred interest promotion that permits you to 
avoid paying Interest Charges on those balances if repaid in full during the Deferral Period. Any Interest 
Charges that accrue during Deferral Periods that are charged to the account because the deferred balance 
is not paid in full during the Deferral Period will appear as Interest Charges on the statement following 
expiration of the Deferral Period (see Deferral Periods). If the total periodic Interest Charges for a month 
are less than $1.00 then we charge a minimum periodic Interest Charge of $1.00 which we will apply to 
the applicable balance (to the extent permitted by applicable law).
Average Daily Balance. We figure the interest charge on your Account by applying the monthly periodic 
rate to the Average Daily Balance of your Account, including current transactions. 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 each feature on 
a monthly basis. We add other charges and fees, such as late fees, 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. 
Purchases subject to Deferral Periods described below are excluded from our calculation of the Average 
Daily Balance until the day following the expiration of the Deferral Period. 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.
Variable APR. Your Annual Percentage Rate (APR) may vary and may increase. The APR is determined by 
adding 21.65% to the Prime Rate (also called the “Index Rate” and defined below). The monthly periodic 
rate is determined by dividing the APR by 12. An increase in your APR will not increase your scheduled 
monthly payment amount, but may increase the time required to repay your Account balance. 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. As of 02/01/2013 the APR is 24.9% which corresponds to a monthly 
periodic rate of 2.075%. 
The  Index  Rate  used  to  determine  the  applicable  APR  is  the  highest  “Prime  Rate”  as  published  in  
the “Money Rates” section of the Midwest Edition of the Wall Street Journal on the first day of your 
billing cycle or, if the Wall Street Journal was not published on that date, the most recent day on which 
it was published.
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.
Deferral Periods. From time to time, we may offer you the opportunity to enter into promotions. When 
you make a purchase under a special promotion, it will be identified on your Statements. Each Statement 
will contain a summary of all deferred purchases, including the unpaid principal balances, any accrued 
or assessed interest charges and the dates until which payments or interest charges are deferred. The 
special deferral terms apply to a purchase for a specified period of time, which we will call the “Deferral 
Period”. When you make a deferred purchase, the Deferral Period will be disclosed to you. These special 
promotions  are  made  available  at  our  discretion,  are  subject  to  credit  approval,  are  not  available  for 
all purchases and cannot be changed by customer request. There are currently three types of special 
promotions, although we may add more or remove any of them at any time. 
A. No Payments Option : Monthly payments on the deferred purchase are not required during the Deferral 
Period. Interest will be assessed at the monthly periodic rate in effect on your deferred purchase from 
the date of purchase. Interest assessed during the Deferral Period will be added to your deferred balance, 
regardless if you pay off your deferred balance before the expiration of the Deferral Period. The amount of 
your deferred purchase(s) is/are not considered when we calculate your minimum monthly payment. We 
do consider your deferred purchase(s) for purposes of determining your available credit.
B. No Payments and No Interest Option : Monthly payments on the deferred purchase are not required 
during the Deferral Period, but will be required after the Deferral Period ends. If you pay the entire deferred 
purchase in full on or before the last day of the Deferral Period, you pay no interest in connection with 
your deferred purchase. However, interest on the deferred purchase will be charged to your account at the 
monthly periodic rate in effect each month from the date of purchase if the deferred purchase balance is 
not paid in full by the last day of the Deferral Period. As of and after the expiration of the Deferral Period, 
the monthly periodic rate in effect according to your account terms will apply to the remaining unpaid 
balance of your deferred purchase. During the Deferral Period, the amount of your deferred purchase(s) 
is/are not considered when we calculate your minimum monthly payment. We do consider your deferred 
purchase(s) for purposes of determining your available credit.
C. No Interest Option: You must make minimum monthly payments on the deferred purchase during the 
Deferral Period. If you pay the entire deferred purchase in full on or before the last day of the Deferral 
Period, you pay no interest in connection with your deferred purchase. However, interest on the deferred 
purchase will be charged to your account at the monthly periodic rate in effect each month from the date 
of purchase if the deferred purchase balance is not paid in full by the last day of the Deferral Period. As 
of and after the expiration of the Deferral Period, the monthly periodic rate in effect according to your 
account terms will apply to the remaining unpaid balance of your deferred purchase. During the Deferral 
Period, we include your deferred purchase(s) when we calculate your minimum monthly payment and for 
purposes of determining your available credit.
Late Fees. Late fees will be equal to your minimum payment due with a maximum amount of up to $25.00 
for the first time offense and will increase to a maximum amount of $35.00 if you have not made your 
payment by the due date in each of your next 6 billing cycles (or to the extent permitted by applicable 
law). The late fee will never be greater than your minimum payment due to which the late fee relates.
Returned Payment Fees. Returned payment fees will be equal to your minimum payment with a maximum 
amount of up to $25.00 for the first time offense and will increase to a maximum amount of $30.00 if you 
have any returned payments in your next 6 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.

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 (to the extent permitted 
by applicable law), 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, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 
56395-1250. 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 
Account number or a possible unauthorized use of your card, you should write to us immediately at 
WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 56395-1250, or call as at 
1-800-208-2500. 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 
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. 
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, 
Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 56395-1250. 
Consent  to  Use  of  Telephone  Numbers.  You  expressly  consent  to  receiving  calls  and  messages, 
including  autodialed  and  prerecorded  message  calls,  from  WebBank,  Fingerhut,  their  affiliates, 
marketing  partners,  agents  and  others  calling  at  their  request  or  on  their  behalf,  at  any  telephone 
numbers that you have provided or may provide in the future (including any cellular telephone numbers). 
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 the 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 law and not preempted by federal 
law, the law of Utah, without regard to its choice of law provisions. You agree that 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