Account Agreements and Disclosures

Account Agreements and Disclosures

Please read the information contained in this document carefully and print and/or retain this information electronically for future reference.

For your convenience, a hyperlink is listed below for each document.

? Consent to Electronic Documents ? Important Account Information ? Terms & Conditions ? WebBank Privacy Policy ? DFS Privacy Policy

Consent to Electronic Documents

As part of our relationship with you, WebBank and Dell Financial Services L.L.C. ("DFS"), as servicer of the Dell Preferred Account program offered by WebBank (referred to as "we" and "us") may send Dell Preferred Account holders various types of communications electronically, including but not limited to: credit application, application disclosures, privacy statements, important terms of your credit account and disclosure statement, summary of terms, initial disclosure statements, and promotional offer details. You may also receive notices of credit decisions, change in terms notices, notices of increase or decrease in credit lines, account updates, and other information (referred to as "Communications"). In order to apply for a Dell Preferred Account online, you must consent to receive account opening disclosures and important documents electronically that we provide in connection with your account. Please read the terms of this consent below.

Note: You are NOT enrolling in Paperless Statements.

Once you have a Dell Preferred Account, you can also choose to receive account statements electronically, by logging into your profile at .

1. Consent to electronic records and signatures. Please read the following consent carefully before submitting your application or otherwise using your account. By electing to receive Communications electronically, you agree to be bound by and comply with the terms set forth in this consent. If you do not agree to comply with these terms, you may not apply for a Dell Preferred Account online. After you have read the terms, please provide your consent by clicking the applicable checkbox.

2. Scope of consent. By electing to receive Communications electronically, you are consenting to receive from us any Communications or disclosures related to your account by electronic means. This consent is NOT enrolling you in paperless statements.

3. Withdrawal of consent. Following account opening, you may withdraw your consent to receive electronic Communications at any time. To withdraw your consent, please email us_dfs_ec_withdraw@. Withdrawing your consent will not affect the validity of any disclosures already provided. Any withdrawal of your consent to receive electronic Communications will be effective within 30 days of our receipt of your request. Please note withdrawing your consent will not cancel electronic delivery of monthly billing statements.

4. Option to receive a paper copy. You can contact us at 1-800-283-2210 to request paper copies of any Communications that were previously provided electronically. Your request may be subject to a fee, unless otherwise prohibited by law. Please see your account agreement for additional detail.

5. Hardware and software requirements. To access the Communications subject to this consent, you will need an active email address as well as a web browser that meets the security requirements of our site, specifically the latest two versions of Microsoft Internet Explorer or the latest version of Firefox and/or Google Chrome. For the latest versions, please visit ; chrome; or windows/internet-explorer. You will also need software on your computer or an application ("app") on your mobile device or tablet that enables you to view and retain files in Portable Document Format (PDF), such as Adobe Acrobat Reader, which is a free download from . To retain a copy of any Communication, you will need a printer or sufficient electronic storage capacity on your computer, mobile device, tablet, or other data storage device.

You should check the software requirements frequently for updates. From time to time, we may offer services or features that require that your web browser be updated or reconfigured.

6. Updating contact information. You are responsible for maintaining an email address that is active and can receive email from DFS. If your email address or other contact information changes, please update it promptly at or call us at 1-800-283-2210.

7. Other important terms and conditions. You agree that we will not be liable for any delays or failures in performance or for any interruptions arising from any cause or circumstance beyond our reasonable control. You will not send any computer viruses or other messages that could damage our systems.

You further agree that you may not assign or transfer this consent and that any attempt to assign or transfer this consent by you shall be null and void. This consent shall be construed according to federal law, including the Electronic Signatures in Global and National Commerce Act and, to the extent state law applies, the law of Utah. We reserve the right to send paper disclosures in lieu of electronic Communications. We also reserve the right to change any terms described in this consent.

Rev. 08102018

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Important Account Information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

18.99% to 29.99% depending on your creditworthiness.

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

How to Avoid Paying Your due date is at least 22 days after the close of each billing cycle. We will not charge you Interest on Purchases any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

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

For Credit Card Tips from the Consumer Financial Protection Bureau

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 .

FEES

Annual Fee

Penalty Fees

None

? Late Payment

Up to $40

? Returned Payment Up to $40

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See the account agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Annual Percentage Rate (APR) for Purchases: The APR for Purchases is a variable APR determined by adding a margin of 14.24 to 25.24 percentage points to the Prime Rate Index. The daily periodic rate is 0.05203 ? 0.08216 percentage points.

Rev. 06172022

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Terms and Conditions

IMPORTANT MESSAGE FOR CUSTOMERS

Following is the DELL PREFERRED ACCOUNT CREDIT AGREEMENT that governs the Dell Preferred Account you requested for purposes of financing the purchase of goods and/or services from Dell Inc. or its affiliates ("Dell"), or other participating retailers who accept the Dell Preferred Account (each, a "Participating Merchant"). Please read it carefully. IT CONTAINS VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS. UNDER THIS AGREEMENT YOU MAY BE REQUIRED TO RESOLVE DISPUTES WITH WEBBANK, DELL FINANCIAL SERVICES ("DFS"), AND OTHERS THROUGH ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN A COURT PROCEEDING. If you reject the terms and conditions contained in the Agreement, you still have time to cancel your Account and avoid any interest charges and other credit costs.

IF YOU WISH TO DECLINE THE TERMS AND CONDITIONS CONTAINED IN THE AGREEMENT, YOU MUST CALL 1-800-879-9500 FOR DELL PURCHASES OR 1-800-283-2210 FOR PARTICIPATING MERCHANT PURCHASES WITHIN 3 DAYS OF RECEIPT OF THE AGREEMENT. You will need to provide the phone representative with your Dell Preferred Account number, your Dell Customer Number or Participating Merchant Customer Number and/or your Order Number(s). The phone representative will communicate with WebBank to ensure that your Account will not become effective. If you made a purchase from Dell, the phone representative will either cancel your order or obtain another method of payment. If you made a purchase from a Participating Merchant, you should return the items purchased to the Participating Merchant. If your purchase arrives at your home after you have canceled it and the shipment is left at your home without a signature, do not open the boxes. Call the carrier and tell them that you are refusing shipment. The carrier will arrange with you to pick up the shipment and return it to Dell or the Participating Merchant

If you do not contact DFS to cancel your Account and fail to return your purchase to Dell or the Participating Merchant within the applicable return period, your acceptance of any products you purchased constitutes use of the credit offered and acceptance of the terms and conditions of the Agreement. Your acceptance of the Agreement will authorize DFS and/or its affiliates to request an advance of funds pursuant to the Agreement to pay for your purchase from Dell or the Participating Merchant.

SPECIAL NOTICE TO ACTIVE MEMBERS OF THE ARMED FORCES: If you are an active member of the Armed Forces, or a dependent of an active member of the Armed Forces at the time you established your Account, and you established your Account on or after October 3, 2016, the following additional terms apply to this Agreement:

? This Agreement is modified so that the provisions under the headings "Arbitration Notice" and "Arbitration" do not apply to you.

? 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 may not exceed an annual percentage rate of 36%.

DELL PREFERRED ACCOUNT CREDIT AGREEMENT

Offered by WebBank, Member FDIC, and serviced by Dell Financial Services.

Definitions. The word "Agreement" refers to your Dell Preferred Account Credit Agreement. In this Agreement, the words "you" and "your" mean the person who applied for this Dell Preferred Account. With the exception of the arbitration provision, the words "we", "us", and "our" mean WebBank, who is the lender. "Account" means your Dell Preferred Account, which will be governed by this Agreement. Dell Financial Services ("DFS") will service your Account for WebBank.

Use of Your Account. Your use of the open-end credit offered pursuant to this Agreement, or its use by anyone you authorize, shall constitute acceptance of the terms of this Agreement and the arbitration provision contained in

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