OPINION
BAKER, Chief Judge.Appellant-defendant Kevin M. Weldon appeals the trial court’s orders denying his motion to vacate an arbitration award and for summary judgment and entering summary judgment in favor of appellee-plain-tiff Asset Acceptance, LLC (Asset Acceptance). Finding that Weldon failed to file his motion to vacate within the three-month deadline set forth by the Federal Arbitration Act1 and that under the circumstances presented herein, the trial court was required to confirm the arbitration award, we affirm.
FACTS
In the mid-1990s, Weldon had a credit card with MBNA America Bank, N.A. (MBNA). Weldon eventually fell behind on his credit card payments, and he admits that his last payment to MBNA occurred in November 1999. The credit card agreement provides that any disputes would be resolved by binding arbitration. Appellant’s App. p. 140. At some point, Asset Acceptance became the assignee of MBNA.
In early October 2006, Asset Acceptance filed a claim with the National Arbitration Forum (NAF) for the outstanding balance on Weldon’s credit card, which totaled nearly $30,000. The NAF attested that it served Weldon with notice of the arbitration via UPS, appellant’s app. p. 144, though Weldon denies receiving the documents. Weldon did not respond to the first or second notices sent to him. On December 11, 2006, the arbitrator entered an award in favor of Asset Acceptance in the amount of $29,348.85. The NAF stated that it sent the judgment by regular mail to Weldon on December 12, 2006, id. at 145, though Weldon denies that he received it.
On May 22, 2007, Asset Acceptance filed a motion with the trial court to confirm the *1183arbitration award. In June 2007, Weldon received notice of the trial court proceedings. Weldon contends that June 2007 was the first time he learned of the arbitration proceedings and award that had been entered against him six months earlier. On July 5, 2007, the trial court held an initial hearing on Asset Acceptance’s motion, at which time Weldon contested the validity of the arbitration award and requested some time to file responsive pleadings. The trial court granted Weldon’s request.
On August 6, 2007, Weldon filed a motion to vacate the arbitration award and for summary judgment, arguing that the arbitration proceedings had been filed outside of the allegedly applicable six-year statute of limitations. On August 20, Weldon filed a second motion to vacate the arbitration award and dismiss with prejudice on separate grounds than those raised in the August 6 motion. Specifically, Weldon argued that Asset Acceptance had not established that it was a valid assignee of MBNA, that Asset Acceptance had failed to attach certain required documents to its complaint, that he had never agreed to binding arbitration, and that he was never properly served with notice of the underlying arbitration proceedings.
On August 31, 2007, Asset Acceptance responded to Weldon’s August 6 motion, arguing that the relevant statute of limitations is one year and the trial court proceedings were instituted within that time-frame. It further argued that Weldon was properly served under the relevant rules and that he had waived all arguments by failing to participate in the underlying arbitration. On October 29, 2007, Asset Acceptance filed a cross-motion for summary judgment and a response to Weldon’s August 20 motion, arguing that Asset Acceptance had complied with all relevant statutory conditions such that the trial court was required to confirm the arbitration award. It further argued that Weldon had failed to offer admissible evidence in support of his argument that the arbitration award should be vacated. On December 17, 2007, the trial court summarily denied Weldon’s motions and granted Asset Acceptance’s cross-motion, entering summary judgment in Asset Acceptance’s favor in the amount of $29,348.58 plus costs. Weldon now appeals.
DISCUSSION AND DECISION
I. Standard of Review
Summary judgment is appropriate only if the pleadings and evidence considered by the trial court show that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Owens Corning Fiberglass Corp. v. Cobb, 754 N.E.2d 905, 909 (Ind.2001); see also Ind. Trial Rule 56(C). On a motion for summary judgment, all doubts as to the existence of material issues of fact must be resolved against the moving party. Owens Corning, 754 N.E.2d at 909. Additionally, all facts and reasonable inferences from those facts are construed in favor of the nonmov-ing party. Id. If there is any doubt as to what conclusion a jury could reach, then summary judgment is improper. Id.
An appellate court faces the same issues that were before the trial court and follows the same process. Id. at 908. The party appealing from a summary judgment decision has the burden of persuading the court that the grant or denial of summary judgment was erroneous. Id. When a trial court grants summary judgment, we carefully scrutinize that determination to ensure that a party was not improperly prevented from having his or her day in court. Id. We may affirm the grant of summary judgment upon any basis argued by the parties and supported by the record. *1184Breining v. Harkness, 872 N.E.2d 155, 158 (Ind.Ct.App.2007), trans. denied.
II. The Arbitration Award
A. Federal Arbitration Act
Weldon argues that the trial court erroneously refused to vacate the arbitration award. To evaluate this argument, we must first determine the applicable law to be applied to the dispute.
The parties spend much of their briefs raising arguments and defenses pursuant to the Uniform Arbitration Act as adopted by Indiana. Ind.Code § 34-57-2-1 et seq. They are mistaken, however, in applying that Act, inasmuch as it does not apply to consumer loan contracts. I.C. § 34-57-2-1(b). “All consumer leases, sales, and loan contracts, as they are defined in the Uniform Consumer Credit Code are exempted from the Indiana Act. A loan includes the creation of debt pursuant to a lender credit card or similar arrangement. See Ind. Code § 24-4.5-3-106.” MBNA Am. Bank, N.A. v. Kay, 888 N.E.2d 288, 290 (Ind.Ct.App.2008). Therefore, the instant action is governed by the Federal Arbitration Act (FAA). See id.; see also Am. Gen. Fin. Mgmt. Corp. v. Watson, 822 N.E.2d 253, 256 (Ind.Ct.App.2005) (holding that “[t]he FAA applies to written arbitration provisions contained in contracts involving interstate commerce when the parties agree to arbitrate”). In any event, we note that the agreement itself provides that it “shall be governed by the Federal Arbitration Act....” Appellant’s App. p. 141.
Turning to the relevant portions of the FAA, therefore, we note that the statute requires the trial court to confirm an arbitration award unless it is vacated, modified, or corrected:
If the parties in their agreement have agreed that a judgment of the court shall be entered upon the award made pursuant to the arbitration, and shall specify the court, then at any time within one year after the award is made any party to the arbitration may apply to the court so specified for an order confirming the award, and thereupon the court must grant such an order unless the award is vacated, modified, or corrected as prescribed in sections 10 and 11 of this title.
9 U.S.C. § 9 (emphasis added).2
Where, as here, the movant seeks to vacate the arbitration award, he must establish that he is entitled to relief pursuant to section 10:
(a) In any of the following cases the United States court in and for the district wherein the award was made may make an order vacating the award upon the application of any party to the arbitration—
(1) where the award was procured by corruption, fraud, or undue means;
(2) where there was evident partiality or corruption in the arbitrators, or either of them;
(3) where the arbitrators were guilty of misconduct in refusing to postpone the hearing, upon sufficient cause shown, or in refusing to hear evidence pertinent and material to the controversy; or of any *1185other misbehavior by which the rights of any party have been prejudiced; or
(4) where the arbitrators exceeded their powers, or so imperfectly executed them that a mutual, final, and definite award upon the subject matter submitted was not made.
9 U.S.C. § 10(a). The FAA further explicitly provides that “[njotice of a motion to vacate ... an award must be served upon the adverse party or his attorney within three months after the award is filed or delivered.” 9 U.S.C. § 12 (emphasis added). The upshot of these provisions, therefore, is that if a party is unhappy with an arbitration award and hopes to have the award vacated, he must (1) file the motion to vacate the award within three months after the award was filed or delivered; and (2) establish that one or more of the circumstances outlined in section 10 exist such that vacation is warranted.
Here, the arbitration award entered against Weldon was entered on December 11, 2006, and sent to Weldon via U.S. mail on December 12, 2006. Weldon filed his motion to vacate the award on August 6, 2007, nearly eight months later, well beyond the three-month deadline set forth in section 12 of the FAA.
In an effort to ameliorate the untimeliness of the motion to vacate, Weldon argues that it was not proper to serve notice of the arbitration award on him via U.S. mail. He contends that we should look to the Indiana Uniform Arbitration Act provisions on service because the FAA is silent on that issue. Appellant’s Br. p. 17. The cases he cites in support of that contention, however, look first to the parties’ agreement and only turn to state law if the agreement was silent on the issue.3 MBNA Am. Bank, N.A. v. Credit, 281 Kan. 655, 132 P.3d 898, 901 (2006) (applying state law to determine proper method of service only after determining that the parties’ agreement was silent on the issue); MBNA Am. Bank, N.A. v. Straub, 12 Misc.3d 963, 815 N.Y.S.2d 450, 454 (N.Y.City Civ.Ct.2006) (holding that “[i]f an arbitration organization is named in the agreement, its rules may govern service of the award”).
Here, the agreement clearly and explicitly states that “[t]he arbitration shall be conducted by the National Arbitration Forum ... under the Code of Procedure in effect at the time the Claim is filed.” Appellant’s App. p. 140-41. Turning to the NAF’s Code of Procedure that was in effect in October 2006, we observe that Rule 39D provides as follows:
Parties consent to service of the Award or Order and of all Documents, notices, and Orders necessary to confirm an Award or Order or to enter a judgment based on an Award or Order by Delivery, as defined by Rule 2M, at any address of the Party or Representative of record with the Forum.
NAF Procedure Rule 39D (May 2006), available at http://www.adrforum.com (last visited Sept. 16, 2008) (emphasis added). Rule 2M defines “Delivery” as follows: “Delivery: Delivery to the address of Party, the Forum or an Arbitrator by the postal service of the United States or any country, or by a reliable private service, or by facsimile, e-mail, electronic or computer transmission.” NAF Procedure Rule 2M (May 2006) (emphasis added).
*1186Here, the undisputed evidence establishes that the NAF mailed a copy of the arbitration award to Weldon’s correct address via U.S. mail on December 12, 2006. Appellant’s App. p. 145. That is a proper method of service under the NAF Code of Procedure, which applies to this dispute pursuant to the parties’ agreement. Under these circumstances, we see no reason to toll the otherwise applicable three-month deadline included in section 12 of the FAA.
Inasmuch as Weldon failed to file his motion to vacate within the applicable statutory timeframe, he is not entitled to that relief and the trial court properly denied his motions to vacate and for summary judgment. Furthermore, as noted above, the FAA mandates confirmation of the arbitration award unless the award is vacated, modified, or corrected. 9 U.S.C. § 9. Here, because Weldon failed to establish that vacation was warranted, the trial court was required to confirm the arbitration award. Thus, summary judgment was properly entered in favor of Asset Acceptance.
B. Jurisdiction
In his reply brief, Weldon argues for the first time that the FAA’s three-month time limit does not “prevent a party who did not participate in an arbitration proceeding from challenging the validity of the award at any time on the basis that no written agreement to arbitrate existed between the parties.” Reply Br. p. 10. Initially, we note that no new issues may be raised in a reply brief. Ind. Appellate Rule 46(C). Consequently, Weldon has waived this argument.
Waiver notwithstanding, we will assume solely for argument’s sake that whether an agreement to arbitrate existed is (1) an issue that may be raised at any time, and (2) an issue of law that must be determined by a court rather than the arbitrator. Here, Asset Acceptance designated the parties’ credit agreement in support of its cross-motion for summary judgment.4 Weldon’s sole argument appears to be that his signature does not appear on the agreement in the record; consequently, Asset Acceptance has offered no valid and binding arbitration agreement. We cannot agree. It is well established that a credit cardholder may agree to arbitration “by conduct[.]” Straub, 815 N.Y.S.2d at 452; see also Gvozdenovic v. United Air Lines, Inc., 933 F.2d 1100, 1105 (2d Cir.1991) (holding that “[although a party is bound by an arbitral award only where it has agreed to arbitrate, an agreement may be implied from the party’s conduct”); Nationwide Ins. Co. v. Heck, 873 N.E.2d 190, 196 n. 1 (Ind.Ct.App.2007) (holding that an implied contract arises out of the acts and conduct of the parties coupled with a mutual agreement and intent to promise); MCart v. Chief Exec. Officer in Charge, 652 N.E.2d 80, 85 (Ind.Ct.App.1995) (holding that an implied contract is equally as binding as an express contract).
*1187Here, MBNA promised to loan Weldon money via a credit card in exchange for Weldon’s promise to repay the funds in a timely fashion. The written agreement contains a binding arbitration provision. Although Weldon’s signature does not appear on the document, his assent was implied from his conduct — when he used the MBNA credit card repeatedly, he impliedly consented to the terms of the credit agreement, including the binding arbitration provision. Under these circumstances, we find that the arbitration agreement included in the record is valid and binding on both parties. Thus, the arbitrator properly assumed jurisdiction over the arbitration proceedings.
The judgment of the trial court is affirmed.
MATHIAS, J., concurs. BROWN, J., dissents with opinion.. 9 U.S.C. § 1 et seq.
. Although the parties do not raise the issue of jurisdiction in litigation controlled by the FAA, we note that it is well established that state courts have concurrent jurisdiction with federal courts to enforce the FAA. E.g., St. Fleur v. WPI Cable Sys./Mutron, 450 Mass. 345, 879 N.E.2d 27, 30 (2008); Anderson v. Golf Mill Ford, Inc., 383 Ill.App.3d 474, 322 Ill.Dec. 104, 890 N.E.2d 1023, 1030 (2008). Thus, unless the parties' agreement requires that a confirmation claim be made in federal court — and the agreement at issue herein does not — then the claim may properly be brought in state or federal court, and the trial court herein properly assumed jurisdiction over the dispute.
. The third case cited by Weldon in support of this proposition is an unreported New York case; we remind Weldon that not-for-publication decisions have no precedential value. Ind. Appellate Rule 65(D). Thus, we will not consider that decision.
. Weldon directs our attention to 9 U.S.C. § 13, which requires that the party seeking confirmation of an arbitration award must file a number of documents, including the arbitration agreement, at the time it files the initial motion. Asset Acceptance filed no documentation other than the arbitration award at the time it filed its motion for confirmation with the trial court. Inasmuch as it eventually filed the arbitration agreement in support of the cross-motion for summary judgment, however, we do not believe it a good use of judicial resources to dismiss for this reason. It would be elevating form over substance to reverse the trial court because a document that is now in the record was not in the record at the outset of the litigation. Weldon had the opportunity to raise arguments about the document and the trial court had the opportunity to evaluate it before ruling on the cross-motions. Thus, we decline to rule in Weldon's favor on this basis.