Card Issuer

Your Merchandise Credit Card Issuer

The Merchandise Credit Cards in the Floor & Decor Merchandise Credit Card program are issued by CARDCO CXXX, Inc. or its affiliate (“CARDCO”). As the Card Issuer, CARDCO CXXX, Inc. is the sole obligor to the card owners with respect to the Merchandise Credit Cards.

CARDCO CXXX, Inc. may assign its duties. Upon that event, the assignee will become the Card Issuer of the Merchandise Credit Cards and the obligor on the Merchandise Credit Cards. Any such assignment will occur without notice to the card owners. If the terms and conditions so provide, the assignment will be without recourse to CARDCO CXXX, Inc. If so, assignee will become the sole obligor with respect to the Merchandise Credit Cards upon the assignment, and CARDCO CXXX, Inc. will cease to be an obligor with respect to the Merchandise Credit Cards.

The Merchandise Credit Cards are distributed and/or sold by Floor & Decor Outlets of America, Inc. (“Floor & Decor”) in accordance with an agreement reached between CARDCO CXXX, Inc. and Floor & Decor. Pursuant to that agreement, the Merchandise Credit Cards are redeemable by the card owners to purchase goods and/or services at any participating and authorized Floor & Decor location. In addition, although your card back terms state otherwise, you can also use the Merchandise Credit Card online at flooranddecor.com or by calling (877)-675-0002. Floor & Decor is not an obligor to the card owners.

Use or acceptance of a Merchandise Credit Card constitutes the agreement by the card owner to the terms and conditions governing the identity of the Card Issuer.