The gift cards in the Nebraska Furniture Mart Gift Card program are issued by CardFact XXIX, Inc. or its affiliate ("CardFact"). The gift cards are distributed and/or sold by Nebraska Furniture Mart, Inc. ("Nebraska Furniture Mart") in accordance with an agreement reached between CardFact and Nebraska Furniture Mart. Pursuant to that agreement, the gift cards are redeemable by the card owners to purchase goods and/or services at participating and authorized Nebraska Furniture Mart locations.

As the Card Issuer, CardFact is the sole obligor with respect to the gift cards. CardFact may assign its duties. Upon that event, the assignee will become the Card Issuer of the gift cards and the obligor on the gift 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 CardFact. If so, assignee will become the sole obligor with respect to the gift cards upon the assignment, and CardFact will cease to be an obligor with respect to the gift cards.