b'6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nImportant Information Regarding Electronic\nCommunication\nRead this information carefully and keep a copy\nfor your records\nPrior to applying for a Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa Signature\xc2\xae Credit Card, Comenity Bank requests your\nconsent to provide you important information electronically.\nYou understand and agree that Comenity Bank may provide you with all required application disclosures regarding your\nCaesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa Signature\xc2\xae Credit Card application in electronic form. These\ndisclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy\nStatement.\nYou agree to keep us updated at all times with your current contact information. If your contact information has changed\nplease contact us at 1-855-381-5712 (Caesars Rewards Visa Signature Cards) or 1-855-381-5715 (Caesars Rewards Visa\nCards) (TDD/TTY: 1-800-695-1788).\nThis consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account\nCenter.\nAt your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a\nfee. Please call us at 1-855-381-5712 (Caesars Rewards Visa Signature Cards) or 1-855-381-5715 (Caesars Rewards Visa\nCards) (TDD/TTY: 1-800-695-1788) to withdraw your consent to receive electronic disclosures.\nIn order to receive electronic communications and to obtain the best view of these communications you will need access to\nthe Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and\nprint these disclosures, and Adobe Reader to view PDF files. You may download it for free at https://get.adobe.com/reader/.\nVisit the Common Security Questions page for additional web browser information. By selecting the "Submit" button, you\nconfirm that your system meets these requirements and that you have the capability to access and download or print\nelectronic disclosures.\nWe recommend that you retain a copy of these disclosures for your records.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n1/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nIf this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.\nNote: Your Caesars Rewards\xc2\xae Visa\xc2\xae Credit Card account is issued by Comenity Bank Please review Comenity Bank\'s Financial\nPrivacy Policy and Online and California Privacy Policy for more information. California Residents: Submit a Data Request Form to\nmake a Do Not Sell My Personal Information request.\nRate and Fee Summary\nThis Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Caesars Rewards Visa\xc2\xae or Caesars\nRewards Visa Signature\xc2\xae Credit Card Account. Read it and keep it.\n\nInterest Rates and\nInterest Charges\nAnnual Percentage Rate\n\n24.99%, 19.99%,\n\n(APR) for Purchases\n\nThis APR will vary with the market based on the Prime Rate.\n\nA P R f o r B a l a n c e Tr a n s f e r s\n\n26.99%\n\nAPR for Cash Advances\n\nor\n\n15.99%,\n\nbased upon your creditworthiness.\n\n25.99%\nThis APR will vary with the market based on the Prime Rate.\n\nYo u r d u e d a t e i s a t l e a s t 2 5 d a y s a f t e r t h e c l o s e o f e a c h b i l l i n g p e r i o d . W e w i l l n o t\ncharge you interest on purchases if you pay your entire balance by the due date each\nPaying Interest\n\nmonth. If you do not, you will not get a grace period on purchases again until you pay\nt h e e n t i r e b a l a n c e b y t h e d u e d a t e f o r t w o b i l l i n g p e r i o d s i n a r o w. W e w i l l b e g i n\ncharging interest on balance transfers and cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2 per credit plan.\n\nFor Credit Card Tips from\n\nTo l e a r n m o r e a b o u t f a c t o r s t o c o n s i d e r w h e n a p p l y i n g f o r o r u s i n g a c r e d i t c a r d ,\n\nthe Consumer Financial\n\nv i s i t t h e w e b s i t e o f t h e C o n s u m e r F i n a n c i a l P r o t e c t i o n B u r e a u a t h t t p : / / w w w. c o n s u m\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n2/26\n\n\x0c6/7/2021\n\nProtection Bureau\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nTr a n s a c t i o n F e e s\n\xe2\x80\xa2 B a l a n c e Tr a n s f e r\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 F o r e i g n Tr a n s a c t i o n\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nE i t h e r $ 1 0 o r 5 % o f t h e a m o u n t o f e a c h t r a n s f e r, w h i c h e v e r i s g r e a t e r.\nE i t h e r $ 5 o r 3 % o f t h e a m o u n t o f e a c h c a s h a d v a n c e , w h i c h e v e r i s g r e a t e r.\n3% of each transaction in U.S. dollars.\n\nUp to $40\nUp to $40\n\nH o w W e W i l l C a l c u l a t e Yo u r B a l a n c e : W e u s e a m e t h o d c a l l e d \xe2\x80\x9c d a i l y b a l a n c e ( i n c l u d i n g c u r r e n t t r a n s a c t i o n s ) . \xe2\x80\x9d R e v i e w\nyour Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nAgreement.\nN e w Yo r k R e s i d e n t s : C o m e n i t y B a n k - C a e s a r R e w a r d s V i s a : 1 - 8 5 5 - 3 8 1 - 5 7 1 5 , C a e s a r R e w a r d s V i s a S i g n a t u r e : 1 - 8 5 5 - 3 8 1 - 5 7 1 2\n( T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) . N e w Yo r k R e s i d e n t s m a y c o n t a c t t h e N e w Yo r k S t a t e D e p a r t m e n t o f F i n a n c i a l S e r v i c e s b y t e l e p h o n e o r v i s i t\ni t s w e b s i t e f o r f r e e i n f o r m a t i o n o n c o m p a r a t i v e c r e d i t c a r d r a t e s , f e e s , a n d g r a c e p e r i o d s . N e w Yo r k D e p a r t m e n t o f F i n a n c i a l S e r v i c e s 1 8 0 0 - 3 4 2 - 3 7 3 6 o r w w w. d f s . n y. g o v .\nWisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact\nUs section below and give us your spouse\xe2\x80\x99s name and address.\nP r i n t D a t e : T h i s S u m m a r y w a s p r i n t e d J u n e 2 0 2 1 . T h e i n f o r m a t i o n w a s a c c u r a t e a s o f t h a t d a t e b u t m a y h a v e c h a n g e d . To f i n d o u t m o r e ,\nc o n t a c t u s a t t h e G e n e r a l m a i l i n g a d d r e s s o r p h o n e n u m b e r i n t h e H o w t o C o n t a c t U s s e c t i o n b e l o w.\nI s s u e r N a m e : Yo u r C a r d i s i s s u e d b y C o m e n i t y B a n k .\nG o v e r n i n g L a w : T h i s l o a n i s m a d e i n D e l a w a r e a n d t h i s A g r e e m e n t i s g o v e r n e d b y D e l a w a r e a n d f e d e r a l l a w.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n3/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nRate Information: The following chart provides details on your rates as of the Print Date shown above. If this Agreement was provided\nat point of sale, review the Agreement with your welcome package for variable rate information in effect within 30 days of mailing.\nAPR\n\nDaily Periodic Rate\n\nMargin\n\nPurchases\n\n24.99% (v)\n\n0.06846%\n\n21.74%\n\nPurchases\n\n19.99% (v)\n\n0.05476%\n\n16.74%\n\nPurchases\n\n15.99% (v)\n\n0.0438%\n\n12.74%\n\nB a l a n c e Tr a n s f e r s\n\n26.99%\n\n0.07394%\n\nN/A\n\nCash Advances\n\n25.99% (v)\n\n0.0712%\n\n22.74%\n\n(v) = variable\nP I N f o r AT M C a s h A d v a n c e s : Yo u m u s t e n t e r a P e r s o n a l I d e n t i f i c a t i o n N u m b e r ( P I N ) t o o b t a i n a n AT M c a s h a d v a n c e . C a l l t h e G e n e r a l\nnumber in the How to Contact Us section below to request a PIN.\nAnnual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and\na n n u a l l y t h e r e a f t e r. W e w i l l r e f u n d t h i s f e e i f y o u c l o s e y o u r A c c o u n t w i t h i n 3 0 d a y s o f t h e m a i l i n g o r d e l i v e r y d a t e o f t h e s t a t e m e n t o n\nwhich the fee appears. The fee is otherwise non-refundable.\nLate Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $29 if you were not charged a\nL a t e F e e d u r i n g t h e p r i o r s i x b i l l i n g p e r i o d s . O t h e r w i s e , i t i s $ 4 0 . T h i s f e e w i l l n o t e x c e e d t h e a m o u n t p e r m i t t e d b y l a w.\nReturned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored\non resubmission. The fee is $29 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise,\ni t i s $ 4 0 . T h i s f e e w i l l n o t e x c e e d t h e a m o u n t p e r m i t t e d b y l a w.\nAlternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If you do, we may charge a fee.\nC u r r e n t l y, t h a t f e e i s u p t o $ 1 5 . W e \xe2\x80\x99 l l l e t y o u k n o w t h e c u r r e n t f e e b e f o r e y o u a u t h o r i z e a n y p a y m e n t a n d y o u c a n w i t h d r a w y o u r r e q u e s t\nif you don\xe2\x80\x99t want to pay the fee.\nM i n i m u m P a y m e n t : Yo u m a y p a y t h e e n t i r e A c c o u n t b a l a n c e a t a n y t i m e . Yo u m u s t p a y a t l e a s t t h e M i n i m u m P a y m e n t e a c h b i l l i n g p e r i o d\nby the Due Date on your statement.\nIf the New Balance on your statement is less than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the\nMinimum Payment is the New Balance. If the New Balance is more than $29 (or $35 if you were charged a Late Fee during the prior six\nbilling periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on each Credit Plan as follows:\nSum of following rounded up to nearest $1:\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n4/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nRegular Purchase, Cash Advance and\n\n(1) 1% of plan balance at end of billing period (excluding new interest charges for plan)\n\nB a l a n c e Tr a n s f e r\n\n(minimum $5); plus\n(2) New interest charges for plan\n\nDeferred Interest, Payment Required and\nWa i v e d I n t e r e s t , P a y m e n t R e q u i r e d\n\n3.5% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\nDeferred Interest, Equal Payment and\n\nPurchase amount divided by number of months in promotional period rounded up to nearest\n\nWa i v e d I n t e r e s t , E q u a l P a y m e n t\n\n$1 (minimum $5)\nPurchase amount including calculated interest charges from purchase date through end of\n\nLow APR, Equal Payment\n\npromotional period divided by number of months in promotional period rounded up to nearest\n$1 (minimum $5)\n\nDeferred Interest, Low Payment and\nWa i v e d I n t e r e s t , L o w P a y m e n t\n\n1% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\nBudget Payment or Open Charge Budget\n\nMonthly payments of $49, $99, $149, $199 or $299, as specified in offer based on\n\nPayment\n\ntransaction amount\n\nOpen Charge (except Open Charge\nBudget Payment)\n\nDependent upon above for corresponding Credit Plan\nIf your balance increases during the Open Charge Period, your Minimum Payment will\nincrease\n\nHow to Contact Us:\nArbitration Claims\n\nComenity Bank, PO Box 182436, Columbus, OH 43218-2436\n\nArbitration Rejection\n\nComenity Bank, PO Box 182422, Columbus, OH 43218-2422\n\nBankruptcy Notifications\n\nComenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125\n\nBilling Errors\n\nComenity Bank, PO Box 182782, Columbus, OH 43218-2782\n\nCredit Reporting Disputes\n\nComenity Bank, PO Box 182789, Columbus, OH 43218-2789\n\nDisputed Debts\n\n6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004\nCredit Card Customer Care:\n\xe2\x80\xa2 Caesar Rewards Visa: 1-855-381-5715\n\xe2\x80\xa2 Caesar Rewards Visa Signature: 1-855-381-5712\n\nGeneral\n\n\xe2\x80\xa2 T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8\n\xe2\x80\xa2 c o m e n i t y. n e t / C a e s a r s R e w a r d s V i s a\n\xe2\x80\xa2 Comenity Bank, PO Box 182273, Columbus, OH 43218-2273\nW h e n w r i t i n g , i n c l u d e y o u r n a m e , a d d r e s s , p h o n e n u m b e r a n d A c c o u n t n u m b e r.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n5/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nCredit Card Agreement\nT h i s A g r e e m e n t , i n c l u d i n g t h e S u m m a r y, i s y o u r c o n t r a c t w i t h u s . R e a d i t a n d k e e p i t .\nA c c e p t a n c e : Yo u a c c e p t t h i s A g r e e m e n t i f y o u u s e t h e A c c o u n t o r y o u d o n o t c a n c e l y o u r A c c o u n t w i t h i n 3 0 d a y s a f t e r d e l i v e r y o f t h e\nA g r e e m e n t . Yo u r s i g n a t u r e o n a n y a p p l i c a t i o n o r s o l i c i t a t i o n f o r t h i s A c c o u n t o r o t h e r e v i d e n c e o f i n d e b t e d n e s s o n y o u r A c c o u n t i s y o u r\nsignature on this Agreement.\nA r b i t r a t i o n : T h i s A g r e e m e n t i n c l u d e s a n A r b i t r a t i o n P r o v i s i o n w i t h c l a s s a c t i o n a n d j u r y t r i a l w a i v e r s . Yo u c a n r e j e c t t h e A r b i t r a t i o n\nProvision. If you do not, it will be part of this Agreement.\nChanges: The rates, fees and terms of this Agreement may change and we may add or delete any term. We will give you advance\nn o t i c e a n d a r i g h t t o r e j e c t , i f r e q u i r e d b y l a w.\n\nDefinitions\nAccount: the credit card account with us under this Agreement.\nAuthorized User: any person you allow to use your Account.\nCard: one or more cards or access devices, including your Account number or virtual card, we issue to you, or someone you authorize,\nto get credit under this Agreement.\nCash Advance: if applicable, the use of your Account to:\ng e t c a s h f r o m a n AT M , f i n a n c i a l i n s t i t u t i o n o r o t h e r l o c a t i o n ;\n\nb u y l o t t e r y t i c k e t s , m o n e y o r d e r s , f o r e i g n c u r r e n c y, g i f t c a r d s o r s i m i l a r i t e m s ;\n\nget cash or pay someone using a check we offer for that purpose;\n\nmake any other transaction the merchant codes as a cash advance, money transfer or gambling.\n\nBalance transfers are Cash Advances unless we tell you otherwise.\nCredit Plan: each balance subject to different financing terms, such as regular purchases, Cash Advances, and promotional plans.\nMargin: the amount added to the Prime Rate to determine a variable APR.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n6/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nP r i m e R a t e : t h e U . S . P r i m e R a t e i n t h e M o n e y R a t e s s e c t i o n o f T h e Wa l l S t r e e t J o u r n a l o n t h e l a s t b u s i n e s s d a y o f t h e c a l e n d a r m o n t h .\nWe, us or our: the issuer of your Card and its successors and assignees.\nYo u , y o u r o r y o u r s : e a c h p e r s o n w h o s u b m i t s a n a p p l i c a t i o n o r s o l i c i t a t i o n f o r a n A c c o u n t a n d a n y o t h e r p e r s o n c o n t r a c t u a l l y l i a b l e\nunder this Agreement.\n\nU s i n g Yo u r A c c o u n t\nYo u a g r e e t o u s e y o u r A c c o u n t i n a c c o r d a n c e w i t h t h i s A g r e e m e n t . Yo u a g r e e t o p a y u s f o r a l l a m o u n t s d u e o n\nYo u r A g r e e m e n t\n\ny o u r A c c o u n t , i n c l u d i n g c h a r g e s m a d e b y A u t h o r i z e d U s e r s . Yo u a g r e e n o t t o u s e y o u r A c c o u n t f o r i l l e g a l\ntransactions.\n\nUse of Account\n\nAuthorized Users\n\nJoint Accounts\n\nCredit Authorizations\n\nCredit Limit\n\nYo u m a y u s e y o u r A c c o u n t t o m a k e p u r c h a s e s a n y w h e r e t h e C a r d i s a c c e p t e d . I f y o u r C a r d h a s t h e l o g o o f o n e\nof our network providers (e.g., Visa and Mastercard), you may use your Account to make Cash Advances.\nYo u m a y r e q u e s t C a r d s f o r A u t h o r i z e d U s e r s . Yo u m u s t n o t i f y u s i f y o u w i s h t o c a n c e l t h e a u t h o r i t y o f a n\nAuthorized User to use your Account.\nIf this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed. Any\nnotice we send to either of you will serve as notice to both of you.\nWe may decline to authorize a transaction for any reason. We will not be liable to you if we do or if anyone\nrefuses any use of your Card.\nWe will tell you your credit limit or limits. Keep your balance below your credit limit or limits. If you do not, you\nmust still pay us. We may change your credit limit or limits at any time, without notice.\n\nPromotional Credit\n\nWe may offer special financing terms, such as deferred interest, waived interest, low APR or equal payment\n\nPlans\n\noptions. The Credit Plan or Plans will be subject to the terms of the offer and this Agreement.\nApplications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit\n\nElectronic Access\n\nunder this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use.\nWe are not responsible for any consequences from your violation of those terms.\n\nAPRs and Interest Based on APRs\nReview your Summary for the APRs that apply to your Account\nVa r i a b l e A P R s\n\nWe add the applicable Margin specified in the Rate Information chart on the Summary to the Prime Rate to\nd e t e r m i n e Va r i a b l e A P R s . Va r i a b l e A P R s i n c r e a s e o r d e c r e a s e w h e n t h e P r i m e R a t e c h a n g e s b u t w i l l n o t e x c e e d\nany Maximum APR specified in the Rate Information chart.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n7/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nAny APR change will take effect on the first day of the billing period that begins after the Prime Rate changes.\nIncreased APRs will increase your interest charges and may increase your Minimum Payment.\nWe calculate interest for each Credit Plan each day by applying the applicable daily periodic rate to the daily\nbalance. The daily periodic rate is the APR for the Credit Plan divided by 365.\nWe start with the beginning balance each day (including unpaid interest and fees).\nWe add new transactions and fees to the applicable Credit Plan. We add transaction fees to the same Credit\nPlan as the transaction. We add all other fees to the regular purchase Credit Plan.\nDaily Balance Method We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the\n(including current\n\npartial daily balance.\n\ntransactions)\n\nWe multiply the partial daily balance by the daily periodic rate to get the daily interest.\nWe add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding\nof interest.\nWe add all the daily interest to get the total interest for the Credit Plan for the billing period. For a Deferred\nInterest Credit Plan, this interest is deferred.\nWe round interest to the nearest cent.\n\nInterest\n\nCharging Interest: Interest begins on a transaction, fee or interest from the day added to the daily balance until\npaid in full.\nH o w t o Av o i d P a y i n g I n t e r e s t o n R e g u l a r P u r c h a s e s ( G r a c e P e r i o d ) : I f y o u d i d n o t h a v e a P r e v i o u s B a l a n c e ,\nor if you paid the New Balance on your previous statement by the Due Date on that statement, we will not\ncharge interest on new regular purchases, or any portion thereof, paid by the Due Date on your current\nstatement. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those\nb a l a n c e s f r o m t h e a m o u n t y o u h a v e t o p a y i n a b i l l i n g p e r i o d t o k e e p y o u r G r a c e P e r i o d . H o w e v e r, y o u m u s t p a y\n(i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full\namount of any promotional Credit Plan that expires in that billing period.\nYo u C o u l d L o s e Yo u r G r a c e P e r i o d : I f y o u d o n o t p a y y o u r N e w B a l a n c e i n f u l l e a c h b i l l i n g p e r i o d , t h e n ,\ndepending on how we apply your payment, you may not get a Grace Period on new regular purchases. Once you\nlose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or\nbalance transfers as described above plus any interest charged up to the date the payment posts) in full for two\nb i l l i n g p e r i o d s i n a r o w.\nWa i v e d I n t e r e s t C r e d i t P l a n : W e d o n o t i m p o s e i n t e r e s t o n p l a n b a l a n c e s d u r i n g t h e p r o m o t i o n a l p e r i o d . A f t e r\nthe promotional period, any remaining balance is added to the regular purchase balance and is subject to interest\nat the then-current rate for regular purchases.\nDeferred Interest Credit Plan: Interest accrues on plan balances from the transaction date. We do not impose\nthat interest if you pay the balance in full by the end of the promotional period. After the promotional period, any\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n8/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nremaining balance and interest from the transaction date is added to the regular purchase balance and is subject\nto interest at the then-current rate for regular purchases.\n\nPayments\nWe credit payments in accordance with the terms on your statement. Review your statement for details.\nPayment Instructions\n\nPay in U.S. dollars, in funds on deposit in the U.S. If you don\xe2\x80\x99t, we may refuse your payment or charge you our\ncosts to collect the funds.\n\nHow We Apply\nPayments\n\nWe apply payments up to the Minimum Payment at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment will be applied in accordance\nw i t h l a w.\n\nOther Information\nYo u a r e i n d e f a u l t i f :\n\xe2\x80\xa2 you fail to comply with this Agreement or any other agreement with us or an affiliate;\n\xe2\x80\xa2 a bankruptcy or other insolvency proceeding is filed by or against you;\nDefault\n\n\xe2\x80\xa2 we reasonably believe you are unable or unwilling to repay us;\n\xe2\x80\xa2 you die or are legally incompetent or incapacitated;\n\xe2\x80\xa2 you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem\nn e c e s s a r y.\nIf you are in default, we may declare the entire balance immediately due and payable without notice.\n\nCollection Costs\n\nPrivacy Policy\n\nI f w e u s e a n a t t o r n e y t o c o l l e c t y o u r A c c o u n t , w e m a y c h a r g e y o u o u r c o s t s i f a n d a s p e r m i t t e d b y l a w. T h e s e\nmay include reasonable attorneys\xe2\x80\x99 fees and court costs.\nYo u a u t h o r i z e u s t o s h a r e i n f o r m a t i o n a b o u t y o u a n d y o u r A c c o u n t a s p e r m i t t e d b y l a w. R e v i e w o u r P r i v a c y\nStatement for details about our information sharing practices.\nWe may check your credit, employment and income records in connection with an application, update, renewal or\ne x t e n s i o n o f c r e d i t o n y o u r A c c o u n t ( i n c l u d i n g c o l l e c t i o n s a n d d i s p u t e i n v e s t i g a t i o n s ) . Yo u c o n s e n t t o o u r\n\nCredit Reporting\n\nobtaining such records by submitting an application or solicitation. Upon request, we will tell you the name and\naddress of any credit reporting agency that furnished a report on you. We may report Account status and\npayment history to credit reporting agencies, other creditors and the company whose name or brand appears on\nyour Card.\nNotify us immediately at the General mailing address or phone number in the How to Contact Us section of the\n\nUnauthorized Use\n\nSummary and assist us in our investigation if your Card is lost or stolen or you believe someone is using your\nCard without your permission.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n9/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nC l o s i n g Yo u r A c c o u n t Yo u m a y c l o s e y o u r A c c o u n t a t a n y t i m e . Yo u r e m a i n r e s p o n s i b l e f o r a n y a m o u n t o w e d u n d e r t h i s A g r e e m e n t . W e\nmay close, suspend or not renew your Account at any time, for any reason, without notice.\nIf applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., Visa\na n d M a s t e r c a r d ) u s i n g t h e i r p r o c e d u r e s i n e f f e c t w h e n t h e t r a n s a c t i o n i s p r o c e s s e d . C u r r e n t l y, t h e y u s e a\ngovernment-mandated or wholesale rate. These procedures may change without notice.\nF o r e i g n Tr a n s a c t i o n s\n\nThe conversion rate you get may differ from the rate on the transaction or post date and from the rate our\nn e t w o r k p r o v i d e r g e t s . A t h i r d p a r t y m a y c o n v e r t a t r a n s a c t i o n i n t o U . S . d o l l a r s o r a n o t h e r c u r r e n c y, u s i n g a r a t e\nt h e y s e l e c t , b e f o r e s e n d i n g i t t o o u r n e t w o r k p r o v i d e r.\nF o r a n y t r a n s a c t i o n m a d e o r p r o c e s s e d o u t s i d e t h e U . S . o r i n a f o r e i g n c u r r e n c y, w e c h a r g e a f e e i n t h e a m o u n t\no n t h e S u m m a r y.\n\nConformance with\nLaw; Severability\nN o Wa i v e r\nAssignment\n\nI f a n y p a r t o f t h i s A g r e e m e n t c o n f l i c t s w i t h a p p l i c a b l e l a w, t h a t p r o v i s i o n w i l l b e c o n s i d e r e d m o d i f i e d t o c o n f o r m\nt o a p p l i c a b l e l a w. I f a n y p a r t o f t h i s A g r e e m e n t i s i n v a l i d , t h e r e s t s h a l l r e m a i n i n e f f e c t , e x c e p t a s o t h e r w i s e\nnoted in the Arbitration Provision.\nWe will not lose our rights under this Agreement because we delay or do not enforce them.\nW e m a y a s s i g n a n y o r a l l o f o u r r i g h t s a n d o b l i g a t i o n s u n d e r t h i s A g r e e m e n t t o a t h i r d p a r t y. Yo u m a y n o t a s s i g n\nany of your rights or obligations under this Agreement.\n\nN e w J e r s e y R e s i d e n t s A l l p r o v i s i o n s o f t h i s a g r e e m e n t a r e v a l i d , e n f o r c e a b l e a n d a p p l i c a b l e i n N e w J e r s e y.\n\nCommunications with Us\nM o n i t o r i n g a n d R e c o r d i n g : Yo u r c o m m u n i c a t i o n s w i t h u s a n d o u r a f f i l i a t e s , s e r v i c e r s , a g e n t s a n d c o n t r a c t o r s m a y b e m o n i t o r e d o r\nrecorded. Inform Authorized Users and persons acting on your behalf or making payments on this Account of this provision.\nC o m m u n i c a t i o n A u t h o r i z a t i o n : Yo u g i v e d i r e c t c o n s e n t t o u s a n d o u r a f f i l i a t e s , s e r v i c e r s , a g e n t s a n d c o n t r a c t o r s , i n c l u d i n g c o l l e c t i o n\nagents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via:\nany phone number you give us even if the number is or converts to a mobile phone number;\n\nany other number you provide, use to contact us or may utilize;\n\na n y o t h e r d e v i c e o r s e r v i c e f o r w h i c h y o u m a y b e c h a r g e d f o r t h e c a l l , i n c l u d i n g Vo i c e O v e r I n t e r n e t P r o t o c o l ( V O I P ) ; a n d\n\nany email address you provide to us or any other person or company that provides any services in connection with this Agreement.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n10/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nS u b j e c t t o a n y r e s t r i c t i o n s o f a p p l i c a b l e l a w, w e m a y c o n t a c t y o u u s i n g a u t o m a t e d t e l e p h o n e d i a l i n g s y s t e m s a n d / o r p r e - r e c o r d e d o r\nartificial voice messages and any other form of communication.\nCommunications may result in additional mobile, text message, data or other charges.\nYo u m a y c h a n g e y o u r p r e f e r e n c e s b y c a l l i n g t h e G e n e r a l p h o n e n u m b e r o n t h e S u m m a r y.\nDisputed Debts: All written communications about disputed amounts, including any check or payment instrument marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\no r s i m i l a r, m u s t b e s e n t t o t h e a d d r e s s f o r D i s p u t e d D e b t s o n t h e S u m m a r y. W e m a y a c c e p t p a y m e n t s s e n t t o a n y o t h e r a d d r e s s w i t h o u t\nlosing our rights.\nBankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the\nS u m m a r y.\nC h a n g e s : Yo u a g r e e t o n o t i f y u s a t t h e G e n e r a l p h o n e n u m b e r o r a d d r e s s o n t h e S u m m a r y o r b y u p d a t i n g y o u r i n f o r m a t i o n o n A c c o u n t\nC e n t e r i m m e d i a t e l y u p o n c h a n g i n g y o u r n a m e , e m a i l a d d r e s s , m a i l i n g a d d r e s s o r p h o n e n u m b e r.\nC o m m u n i c a t i o n i n L a n g u a g e s O t h e r T h a n E n g l i s h : Yo u a g r e e t o r e c e i v e a l l A c c o u n t c o m m u n i c a t i o n s i n E n g l i s h . W e m a y, a t o u r o p t i o n ,\nc o m m u n i c a t e w i t h y o u i n o t h e r l a n g u a g e s a s a c o u r t e s y. W e m a y s t o p c o m m u n i c a t i n g w i t h y o u i n n o n - E n g l i s h l a n g u a g e s a t a n y t i m e .\nWhile we try to ensure accuracy of translations, we are not responsible for any inaccuracies in translation or misunderstandings due to\ndifferences in usage or dialect. In the event of inconsistency between the English version and the translation, the English version will\ncontrol.\n\nNotice for Active Duty Military Members and Their Dependents\nThe following disclosures apply to you if, in connection with opening your Account, we determine you are a \xe2\x80\x9ccovered borrower\xe2\x80\x9d as\ndefined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents:\nT h e p r o v i s i o n o f t h i s A g r e e m e n t t i t l e d \xe2\x80\x9c A r b i t r a t i o n a n d J u r y Tr i a l Wa i v e r \xe2\x80\x9d d o e s n o t a p p l y t o y o u .\n\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n11/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nTo h e a r i n f o r m a t i o n a b o u t t h e s e p r o t e c t i o n s a n d a d e s c r i p t i o n o f y o u r p a y m e n t o b l i g a t i o n s , c a l l t o l l f r e e a t 1 - 8 6 6 - 2 3 0 - 0 4 1 8 ( o r a t\nthe General TDD/TTY number on the Summary).\n\nA r b i t r a t i o n a n d J u r y Tr i a l Wa i v e r\nP l e a s e r e v i e w t h e f o l l o w i n g i m p o r t a n t p r o v i s i o n s c a r e f u l l y. P a y s p e c i a l a t t e n t i o n t o P a r a g r a p h s :\n\xe2\x80\xa2 A : J u r y Tr i a l Wa i v e r ;\nKey Provisions\n\n\xe2\x80\xa2 C: Arbitration Provision;\n\xe2\x80\xa2 C.1: Right to Reject;\n\xe2\x80\xa2 C . 6 : C o u r t a n d J u r y Tr i a l s P r o h i b i t e d ; O t h e r L i m i t a t i o n s o n L e g a l R i g h t s ; a n d\n\xe2\x80\xa2 C . 7 : C l a s s A c t i o n Wa i v e r.\nTo t h e e x t e n t p e r m i t t e d b y l a w, y o u a n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t a r i s i n g\n\nA . J u r y Tr i a l Wa i v e r\n\nout of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision below\n( i n c l u d i n g t h e j u r y t r i a l w a i v e r c o n t a i n e d t h e r e i n ) . Yo u a n d w e e a c h r e p r e s e n t t h a t t h i s w a i v e r i s g i v e n\nk n o w i n g l y, w i l l i n g l y a n d v o l u n t a r i l y.\nPrior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this\nA g r e e m e n t ( a s f u r t h e r d e f i n e d b e l o w, \xe2\x80\x9c C l a i m \xe2\x80\x9d ) , t h e p a r t y a s s e r t i n g t h e C l a i m ( \xe2\x80\x9c C l a i m a n t \xe2\x80\x9d ) s h a l l g i v e t h e o t h e r\np a r t y ( \xe2\x80\x9c D e f e n d a n t \xe2\x80\x9d ) w r i t t e n n o t i c e o f t h e C l a i m ( \xe2\x80\x9c C l a i m N o t i c e \xe2\x80\x9d ) a n d a r e a s o n a b l e o p p o r t u n i t y, n o t l e s s t h a n 3 0\ndays, to resolve the Claim. Any Claim Notice to you shall be sent to the address we have in our records (or any\nupdated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to the address\n\nB. Notice and Cure\n\nfor Arbitration Claims on the Summary (or any updated address we subsequently provide). Any Claim Notice you\nsend must provide your name, address and Account number and explain the nature of the Claim and relief\nd e m a n d e d . Yo u m a y o n l y s u b m i t a C l a i m N o t i c e o n y o u r o w n b e h a l f a n d n o t o n b e h a l f o f a n y o t h e r p a r t y. N o\nt h i r d p a r t y, o t h e r t h a n a l a w y e r y o u h a v e p e r s o n a l l y r e t a i n e d , m a y s u b m i t a C l a i m N o t i c e o n y o u r b e h a l f . T h e\nClaimant must reasonably cooperate in providing any information about the Claim that the Defendant reasonably\nrequests.\n\nC. Arbitration\nProvision\n1. Right to Reject\n\nR e v i e w t h i s p r o v i s i o n c a r e f u l l y. I f y o u d o n o t r e j e c t i t i n a c c o r d a n c e w i t h P a r a g r a p h C . 1 , R i g h t t o R e j e c t ,\nb e l o w, i t w i l l b e p a r t o f t h i s A g r e e m e n t a n d w i l l h a v e a s u b s t a n t i a l i m p a c t o n t h e w a y y o u o r w e w i l l\nresolve any Claim you or we have against each other now or in the future.\nIf you don\xe2\x80\x99t want this Arbitration Provision (and any prior arbitration agreement between you and us\n( \xe2\x80\x9c P r i o r A r b i t r a t i o n A g r e e m e n t \xe2\x80\x9d ) ) t o a p p l y, y o u m a y r e j e c t i t b y m a i l i n g u s a w r i t t e n r e j e c t i o n n o t i c e w h i c h\ngives your name and contains a statement that you (both of you, if more than one) reject the Arbitration\nProvision of this Agreement. The rejection notice must be sent to us at the address for Arbitration\nR e j e c t i o n o n t h e S u m m a r y. A r e j e c t i o n n o t i c e i s o n l y e f f e c t i v e i f i t i s s i g n e d b y y o u ( a l l o f y o u , i f m o r e\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n12/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nthan one) and if we receive it within 30 calendar days after the date we first provide you with a credit card\na g r e e m e n t o r w r i t t e n n o t i c e p r o v i d i n g y o u a r i g h t t o r e j e c t t h i s A r b i t r a t i o n P r o v i s i o n . Yo u r r e j e c t i o n o f t h i s\nArbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.\nSolely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d\nmean\n2. Parties\n\na. the issuer of your Card named on the Summary and its successors and/or assigns, as well as any parent,\nsubsidiary or affiliate of theirs and their employees, officers and directors (the \xe2\x80\x9cBank Parties\xe2\x80\x9d); and\nb. any other person or company that provides any services in connection with this Agreement if you assert a\nC l a i m a g a i n s t s u c h o t h e r p e r s o n o r c o m p a n y a t t h e s a m e t i m e y o u a s s e r t a C l a i m a g a i n s t a n y B a n k P a r t y.\n\xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy between you and us that in any way arises from or relates to\nthis Agreement, the Account, the issuance of any Card, any rewards program and/or any prior agreement or\naccount. \xe2\x80\x9cClaim\xe2\x80\x9d includes disputes arising from actions or omissions prior to the date any Card was issued to\nyou, including the advertising related to, application for or approval of the Account. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest\npossible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes\ndisputes based on contract, tort, consumer rights, fraud and other intentional torts, constitution, statute,\n\n3. Covered Claims\n\nregulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). \xe2\x80\x9cClaim\xe2\x80\x9d\nd o e s n o t i n c l u d e d i s p u t e s a b o u t t h e v a l i d i t y, e n f o r c e a b i l i t y, c o v e r a g e o r s c o p e o f t h i s A r b i t r a t i o n P r o v i s i o n o r a n y\npart thereof (including, without limitation, the prohibition against class proceedings, private attorney general\nproceedings and/or multiple party proceedings described in Paragraph C.7, Prohibitions Against Certain\nP r o c e e d i n g s ( C l a s s A c t i o n Wa i v e r ) , P a r a g r a p h C . 1 3 , S e v e r a b i l i t y, a n d / o r t h i s s e n t e n c e ) ; a l l s u c h d i s p u t e s a r e f o r\na c o u r t a n d n o t a n a r b i t r a t o r t o d e c i d e . H o w e v e r, a n y d i s p u t e o r a r g u m e n t t h a t c o n c e r n s t h e v a l i d i t y o r\ne n f o r c e a b i l i t y o f t h e A g r e e m e n t a s a w h o l e i s f o r t h e a r b i t r a t o r, n o t a c o u r t , t o d e c i d e .\nArbitration may be elected by any party with respect to any Claim, even if that party has already initiated a\n\n4. Starting an\nArbitration\n\nlawsuit with respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the\no t h e r p a r t y. W e w i l l n o t d e m a n d t o a r b i t r a t e a n i n d i v i d u a l C l a i m t h a t y o u b r i n g a g a i n s t u s i n s m a l l c l a i m s c o u r t o r\ny o u r s t a t e \xe2\x80\x99 s e q u i v a l e n t c o u r t , i f a n y. B u t i f t h a t C l a i m i s t r a n s f e r r e d , r e m o v e d o r a p p e a l e d t o a d i f f e r e n t c o u r t , w e\nthen have the right to demand arbitration.\n\n5. Administrator\n\n\xe2\x80\x9c A d m i n i s t r a t o r \xe2\x80\x9d m e a n s t h e A m e r i c a n A r b i t r a t i o n A s s o c i a t i o n ( \xe2\x80\x9c A A A \xe2\x80\x9d ) , 1 2 0 B r o a d w a y, 2 1 s t F l o o r, N e w Yo r k , N Y\n1 0 2 7 1 , w w w. a d r. o r g ; J A M S , 6 2 0 E i g h t h A v e n u e , 3 4 t h F l o o r, N e w Yo r k , N Y 1 0 0 1 8 , w w w. j a m s a d r. c o m ; o r a n y o t h e r\ncompany selected by mutual agreement of the parties. If both AAA and JAMS cannot or will not serve and the\nparties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court.\nT h e a r b i t r a t o r w i l l b e a p p o i n t e d b y t h e A d m i n i s t r a t o r i n a c c o r d a n c e w i t h t h e r u l e s o f t h e A d m i n i s t r a t o r. H o w e v e r,\nt h e a r b i t r a t o r m u s t b e a r e t i r e d o r f o r m e r j u d g e o r a l a w y e r w i t h a t l e a s t 1 0 y e a r s o f e x p e r i e n c e . Yo u g e t t o\nselect the Administrator if you give us written notice of your selection with your notice that you are electing to\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n13/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\na r b i t r a t e a n y C l a i m o r w i t h i n 2 0 d a y s a f t e r w e g i v e y o u n o t i c e t h a t w e a r e e l e c t i n g t o a r b i t r a t e a n y C l a i m ( o r, i f\nyou dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If\nyou do not select the Administrator on time, we may do it. Notwithstanding any language in this Arbitration\nP r o v i s i o n t o t h e c o n t r a r y, n o a r b i t r a t i o n m a y b e a d m i n i s t e r e d w i t h o u t t h e c o n s e n t o f a l l p a r t i e s t o t h e a r b i t r a t i o n ,\nby any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action\nWa i v e r.\n6. Court and Jury\nTr i a l s P r o h i b i t e d ; O t h e r\nLimitations on Legal\nRights\n\nIf you or we elect to arbitrate a Claim, you will not have the right to pursue that Claim in court or have a\njury decide the Claim. Also, your ability to obtain information from us is more limited in arbitration than in\na lawsuit. Other rights that you would have if you went to court may also not be available in arbitration.\nIf you or we elect to arbitrate a Claim:\na. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a\n\n7. Prohibition Against\nCertain Proceedings\n( C l a s s A c t i o n Wa i v e r )\n\nplaintiff, defendant or class member;\nb. neither you nor we may act as a private attorney general in court or in arbitration;\nc. Claims brought by or against you may not be joined or consolidated with Claims brought by or against\nany other person; and\nd. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney\ngeneral arbitration or multiple-party arbitration.\nAny arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay\nany and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the\n\n8. Location and Costs\n\narbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. If you demand an\narbitration, we will pay your reasonable attorneys\xe2\x80\x99 and experts\xe2\x80\x99 fees if you prevail or if we must bear such fees\nin order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to.\nThis Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C.\n\xc2\xa7 \xc2\xa7 1 - 1 6 ( \xe2\x80\x9c FA A \xe2\x80\x9d ) , a n d n o t b y a n y s t a t e a r b i t r a t i o n l a w. T h e a r b i t r a t o r m u s t a p p l y a p p l i c a b l e s u b s t a n t i v e l a w\nc o n s i s t e n t w i t h t h e FA A a n d a p p l i c a b l e s t a t u t e s o f l i m i t a t i o n s a n d c l a i m s o f p r i v i l e g e r e c o g n i z e d a t l a w. T h e\n\n9. Governing Law\n\narbitrator may award any remedy provided by the substantive law that would apply if the action were pending in\ncourt (including, without limitation, punitive damages, which shall be governed by the Constitutional standards\ne m p l o y e d b y t h e c o u r t s ) . A t t h e t i m e l y r e q u e s t o f e i t h e r p a r t y, t h e a r b i t r a t o r m u s t p r o v i d e a b r i e f w r i t t e n\nexplanation of the basis for the award.\nI n a d d i t i o n t o t h e p a r t i e s \xe2\x80\x99 r i g h t s t o o b t a i n d i s c o v e r y p u r s u a n t t o t h e a r b i t r a t i o n r u l e s o f t h e A d m i n i s t r a t o r, e i t h e r\n\n10. Discovery\n\nparty may submit a written request to the arbitrator to expand the scope of discovery normally allowable under\nt h e a r b i t r a t i o n r u l e s o f t h e A d m i n i s t r a t o r. T h e a r b i t r a t o r s h a l l h a v e d i s c r e t i o n t o g r a n t o r d e n y t h a t r e q u e s t .\n\n11 . R e s u l t a n d A p p e a l s\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n14/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nJudgment upon the arbitrator \xe2\x80\x99s award may be entered by any court having jurisdiction. The arbitrator \xe2\x80\x99s decision is\nf i n a l a n d b i n d i n g , e x c e p t f o r a n y r i g h t o f a p p e a l p r o v i d e d b y t h e FA A a n d / o r t h e r u l e s o f t h e A d m i n i s t r a t o r. A n y\nfinding, award or judgment from an arbitration of any Claim shall apply only to that arbitration. No finding, award\nor judgment from any other arbitration shall impact the arbitration of any Claim.\nThis Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of\nt h e A c c o u n t , a n y l e g a l p r o c e e d i n g a n d a n y b a n k r u p t c y t o t h e e x t e n t c o n s i s t e n t w i t h a p p l i c a b l e b a n k r u p t c y l a w. I n\n12. Interpretation\n\nthe event of a conflict or inconsistency between this Arbitration Provision and the applicable arbitration rules or\nthe other provisions of this Agreement, this Arbitration Provision shall govern. This Arbitration Provision replaces\nany Prior Arbitration Agreement.\nIf any portion of this Arbitration Provision is held to be invalid or unenforceable, the remaining portions shall\nnevertheless remain in force, subject to two exceptions. First, if a determination is made that the Class Action\nWa i v e r i s u n e n f o r c e a b l e , a n d t h a t d e t e r m i n a t i o n i s n o t r e v e r s e d o n a p p e a l , t h e n t h e A r b i t r a t i o n P r o v i s i o n s h a l l b e\n\n13. Severability\n\nv o i d i n i t s e n t i r e t y. S e c o n d , i f a c o u r t d e t e r m i n e s t h a t a p u b l i c i n j u n c t i v e r e l i e f C l a i m m a y p r o c e e d\nn o t w i t h s t a n d i n g t h e C l a s s A c t i o n Wa i v e r, a n d t h a t d e t e r m i n a t i o n i s n o t r e v e r s e d o n a p p e a l , t h e n t h e p u b l i c\ninjunctive relief Claim will be decided by a court, any individual Claims will be arbitrated, and the parties will ask\nthe court to stay the public injunctive relief Claim until the other Claims have been finally concluded.\nThe arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled) if:\na. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure, above on your own behalf (and\n\n14. Special Payment\n\nnot on behalf of any other party);\nb. we refuse to provide you with the relief you request before an arbitrator is appointed; and\nc. an arbitrator subsequently determines that you were entitled to such relief (or greater relief).\n\nYo u r B i l l i n g R i g h t s : K e e p T h i s D o c u m e n t F o r F u t u r e U s e\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nW h a t To D o I f Yo u F i n d A M i s t a k e O n Yo u r S t a t e m e n t\nIf you think there is an error on your statement, write to us at the address for Billing Errors on the Summary\nI n y o u r l e t t e r, g i v e u s t h e f o l l o w i n g i n f o r m a t i o n :\nA c c o u n t i n f o r m a t i o n : Yo u r n a m e a n d a c c o u n t n u m b e r.\n\nD o l l a r a m o u n t : T h e d o l l a r a m o u n t o f t h e s u s p e c t e d e r r o r.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n15/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\n\nYo u m u s t c o n t a c t u s :\nWithin 60 days after the error appeared on your statement.\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYo u m u s t n o t i f y u s o f a n y p o t e n t i a l e r r o r s i n w r i t i n g . Yo u m a y c a l l u s , b u t i f y o u d o w e a r e n o t r e q u i r e d t o i n v e s t i g a t e a n y p o t e n t i a l\nerrors and you may have to pay the amount in question.\nW h a t W i l l H a p p e n A f t e r W e R e c e i v e Yo u r L e t t e r\nW h e n w e r e c e i v e y o u r l e t t e r, w e m u s t d o t w o t h i n g s :\n1 . W i t h i n 3 0 d a y s o f r e c e i v i n g y o u r l e t t e r, w e m u s t t e l l y o u t h a t w e r e c e i v e d y o u r l e t t e r. W e w i l l a l s o t e l l y o u i f w e h a v e a l r e a d y\nc o r r e c t e d t h e e r r o r.\n2 . W i t h i n 9 0 d a y s o f r e c e i v i n g y o u r l e t t e r, w e m u s t e i t h e r c o r r e c t t h e e r r o r o r e x p l a i n t o y o u w h y w e b e l i e v e t h e b i l l i s c o r r e c t .\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\nI f w e m a d e a m i s t a k e : Yo u w i l l n o t h a v e t o p a y t h e a m o u n t i n q u e s t i o n o r a n y i n t e r e s t o r o t h e r f e e s r e l a t e d t o t h a t a m o u n t .\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n16/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nI f w e d o n o t b e l i e v e t h e r e w a s a m i s t a k e : Yo u w i l l h a v e t o p a y t h e a m o u n t i n q u e s t i o n , a l o n g w i t h a p p l i c a b l e i n t e r e s t a n d f e e s . W e\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\np a y. I f y o u d o s o , w e c a n n o t r e p o r t y o u a s d e l i n q u e n t w i t h o u t a l s o r e p o r t i n g t h a t y o u a r e q u e s t i o n i n g y o u r b i l l . W e m u s t t e l l y o u t h e\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYo u r R i g h t s I f Yo u A r e D i s s a t i s f i e d W i t h Yo u r C r e d i t C a r d P u r c h a s e s\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo u s e t h i s r i g h t , a l l o f t h e f o l l o w i n g m u s t b e t r u e :\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n2 . Yo u m u s t h a v e u s e d y o u r c r e d i t c a r d f o r t h e p u r c h a s e . P u r c h a s e s m a d e w i t h c a s h a d v a n c e s f r o m a n AT M o r w i t h a c h e c k t h a t\na c c e s s e s y o u r c r e d i t c a r d a c c o u n t d o n o t q u a l i f y.\n3 . Yo u m u s t n o t y e t h a v e f u l l y p a i d f o r t h e p u r c h a s e .\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for Billing Errors\no n t h e S u m m a r y.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\no u r d e c i s i o n . A t t h a t p o i n t , i f w e t h i n k y o u o w e a n a m o u n t a n d y o u d o n o t p a y, w e m a y r e p o r t y o u a s d e l i n q u e n t .\n\nPricing Addendum\nInterest Rates and\nInterest Charges\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n17/26\n\n\x0c6/7/2021\n\nAnnual Percentage Rate\n(APR) for Purchases\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nPrime Rate plus\n\n21.74%, 16.74%,\n\nor\n\n12.74%,\n\nbased upon your\n\ncreditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance\nTr a n s f e r s\n\nAPR for Cash Advances\n\n26.99%\n\nPrime rate plus 22.74%\nThis APR will vary with the market based on the Prime Rate.\n\nYo u r d u e d a t e i s a t l e a s t 2 5 d a y s a f t e r t h e c l o s e o f e a c h b i l l i n g p e r i o d . W e w i l l n o t\ncharge you interest on purchases if you pay your entire balance by the due date each\nPaying Interest\n\nmonth. If you do not, you will not get a grace period on purchases again until you pay\nt h e e n t i r e b a l a n c e b y t h e d u e d a t e f o r t w o b i l l i n g p e r i o d s i n a r o w. W e w i l l b e g i n\ncharging interest on balance transfers and cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2 per credit plan.\n\nFees\nAnnual Fee\n\nTr a n s a c t i o n F e e s\n\xe2\x80\xa2 B a l a n c e Tr a n s f e r\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 F o r e i g n Tr a n s a c t i o n\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nE i t h e r $ 1 0 o r 5 % o f t h e a m o u n t o f e a c h t r a n s f e r, w h i c h e v e r i s g r e a t e r.\nE i t h e r $ 5 o r 3 % o f t h e a m o u n t o f e a c h c a s h a d v a n c e , w h i c h e v e r i s g r e a t e r.\n3% of each transaction in U.S. dollars.\n\nUp to $40\nUp to $40\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n18/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nBalance Computation\n\nWe use a method called "daily balance (including current transactions)."\n\nMethod\n\nPlease review the Important Information and\nTe r m s a b o u t o p e n i n g a n a c c o u n t p r i o r t o\nsubmitting your application.\nTo apply you must:\nBe at the age of majority in your state or territory;\nHave a valid government-issued photo ID;\nHave a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance\nNumber (SIN);\nHave a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\nYou agree that this application and any information you submit to Comenity Bank may be shared with and retained by Caesars\nLicense Company, LLC.\n\nImportant Information about Opening an Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions\nto obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open\nan account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask\nfor your driver\'s license or other identifying documents.\nCalifornia Residents:\nIf you are married, you may apply for a separate account.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n19/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nNew York, Rhode Island and Vermont Residents:\nWe may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of\ncredit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.\nYou consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.\nWisconsin Residents:\nNo provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court\norder under Section 766.70 adversely affects the interest of the creditor, Comenity Bank, unless the Bank, prior to the time\ncredit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision\nwhen the obligation to the Bank is incurred.\nIf you have been preapproved, see below for details of your offer.\n\nYou can choose to stop receiving \xe2\x80\x9cprescreened\xe2\x80\x9d offers of credit from this and other companies by calling\ntoll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened\noffers.\nPRESCREEN & OPT-OUT NOTICEThis \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit is based on information in your credit report indicating\nthat you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive\nprescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688;\nor write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123,\nAtlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 152300495.\nImportant Information for Covered Borrowers under the Military Lending Act\nFor New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account)\nTo hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-800695-1788).\nI am applying to Comenity Bank for, and hereby request, a Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa Signature\xc2\xae Credit\nCard for personal, family or household use. I hereby authorize Comenity Bank to investigate my credit record. The information that I\nhave supplied is true and correct. I agree that a credit report may be obtained for any lawful purpose, including in connection with the\nprocessing of an application, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of\nwhether or not a consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n20/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nagency that furnished the report. I agree to be bound by the terms of the Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa\nSignature\xc2\xae Credit Card account agreement. I acknowledge that I will receive a Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa\nSignature\xc2\xae Credit Card account agreement upon approval. I also acknowledge that there is no agreement between Comenity Bank and\nme until Comenity Bank approves my credit application and accepts the Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa\nSignature\xc2\xae Credit Card account agreement at its office in Delaware and that the Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa\nSignature\xc2\xae Credit Card account agreement is deemed to be made in Delaware. Visa\xc2\xae Credit Card are issued and credit is extended by\nComenity Bank, Wilmington, Delaware.\nPlease note:\nBy submitting this credit application, you are agreeing to the following with respect to certain consumer information about\nyou.\nYou hereby authorize Comenity Bank ("us" or "we") to furnish our decision to issue an account to you to Caesars Rewards\xc2\xae Visa\xc2\xae or\nCaesars Rewards\xc2\xae Visa Signature\xc2\xae Credit Card. You hereby authorize us to furnish, if your application is approved, information\nconcerning your account to credit bureaus, other creditors and Caesars Rewards\xc2\xae Visa\xc2\xae or Caesars Rewards\xc2\xae Visa Signature\xc2\xae Credit\nCard.\nCheck your information before submitting. We cannot process any submission without a complete and accurate name, address, date of\nbirth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate,\nFee and Other Cost Information and, if approved, agreeing to be bound by them.\n\nFinancial Privacy Policy\nhttp://www.comenity.net/caesarsrewardsvisa/images/privacy.pdf (PDF)\nYou need Adobe Reader to view PDF files. You may download it for free from Adobe.\n\nFACTS\n\nWHAT DOES COMENITY DO WITH YOUR PERSONAL\nINFORMATION?\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n21/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal\nlaw gives consumers the right to limit some but not all sharing. Federal law also\nrequires us to tell you how we collect, share, and protect your personal\ninformation. Please read this notice carefully to understand what we do.\n\nThe types of personal information we collect and share depend on the product or\nservice you have with us. This information can include:\n\nWhat?\n\nSocial Security number and income\nAccount balances and transaction history\nCredit history and credit scores\n\nAll financial companies need to share customers\' personal information to run their\n\nHow?\n\ne v e r y d a y b u s i n e s s . I n t h e s e c t i o n b e l o w, w e l i s t t h e r e a s o n s f i n a n c i a l c o m p a n i e s\ncan share their customers\' personal information; the reasons Comenity chooses to\nshare; and whether you can limit this sharing.\n\nReasons we can share your personal information\n\nFor our everyday business purposes-such as to process your\ntransactions, maintain your account (s), respond to court orders and\n\nDoes\nComenity\nshare?\n\nCan you limit\nthis sharing?\n\nYe s\n\nNo\n\nYe s\n\nNo\n\nlegal investigations, or report to credit bureaus\n\nFor our marketing purposes- such as to offer our products and services\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n22/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nto you\n\nFor joint marketing with other financial companies\n\nYe s\n\nNo\n\nYe s\n\nNo\n\nYe s\n\nYe s\n\nFor our affiliates to market to you\n\nYe s\n\nYe s\n\nFor nonaffiliates to market to you\n\nYe s\n\nYe s\n\nFor our affiliates\' everyday business purposes-information about your\ntransactions and experiences\n\nFor our affiliates\' everyday business purposes-information about your\ncreditworthiness\n\nOur menu will prompt you through your choices:\nC o m e n i t y B a n k c u s t o m e r s : C a l l 1 - 8 0 0 - 2 2 0 - 11 8 1 ( T D D / T T Y 1 - 8 0 0 - 6 9 5 - 1 7 8 8 )\nComenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-8191918)\n\nTo limit our\nsharing\n\nPlease note:\nI f y o u a r e a n e w c u s t o m e r, w e c a n b e g i n s h a r i n g y o u r i n f o r m a t i o n 3 0 d a y s f r o m\nt h e d a t e w e s e n t t h i s n o t i c e . W h e n y o u a r e n o l o n g e r o u r c u s t o m e r, w e c o n t i n u e\nto share your information as described in this notice.\nH o w e v e r, y o u c a n c o n t a c t u s a t a n y t i m e t o l i m i t o u r s h a r i n g .\n\nQuestions?\n\nCall 1-866-423-1097\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n23/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nWho we are\n\nWho is providing this\n\nThis privacy notice is provided by the Comenity family of companies, including\n\nnotice?\n\nComenity Bank and Comenity Capital Bank.\n\nWhat we do\n\nHow does Comenity\n\nTo p r o t e c t y o u r p e r s o n a l i n f o r m a t i o n f r o m u n a u t h o r i z e d a c c e s s a n d u s e , w e u s e\n\nprotect my personal\n\ns e c u r i t y m e a s u r e s t h a t c o m p l y w i t h f e d e r a l l a w. T h e s e m e a s u r e s i n c l u d e c o m p u t e r\n\ninformation?\n\nsafeguards and secured files and buildings.\n\nHow does Comenity\ncollect my personal\n\nWe collect your personal information, for example, when you\n\ninformation?\n\nopen an account or provide account information\ngive us your income information\nuse your credit or show your driver\'s license\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n24/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nWe also collect your personal information from others, such as credit bureaus,\naffiliates, or other companies.\n\nFederal law gives you the right to limit only\nsharing for affiliates\' everyday business purposes-information about your\nWhy can\'t I limit all\nsharing?\n\ncreditworthiness\naffiliates from using your information to market to you\nsharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit\ns h a r i n g . S e e b e l o w f o r m o r e o n y o u r r i g h t s u n d e r s t a t e l a w.\n\nWhat happens when I\nlimit sharing for an\naccount I hold jointly\nwith someone else?\n\nYo u r c h o i c e s w i l l a p p l y t o e v e r y o n e o n y o u r a c c o u n t .\n\nDefinitions\n\nAffiliates\n\nCompanies related by common ownership or control. They can be financial and\nnonfinancial companies.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n25/26\n\n\x0c6/7/2021\n\nCaesars Rewards\xc2\xae Visa\xc2\xae Credit Card - Legal Docs - Credit Card Agreement\n\nOur affiliates include companies with a Comenity name; financial companies\nsuch as Comenity Capital Bank and Comenity Bank, other Comenity entities;\nnonfinancial companies such as Epsilon, Alliance Data, and LoyaltyOne.\n\nCompanies not related by common ownership or control. They can be financial\nand nonfinancial companies.\nNonaffiliates\nNonaffiliates we share with can include financial service providers, retailers,\ndirect marketers, publishers and nonprofit organizations.\n\nJoint marketing\n\nA formal agreement between nonaffiliated financial companies that together\nmarket financial products or services to you.\nOur joint marketing partners may include lenders and insurance companies.\n\nOther important information\n\nW e a l s o w i l l c o m p l y w i t h m o r e r e s t r i c t i v e s t a t e l a w s t o t h e e x t e n t t h a t t h e y a p p l y ; f o r e x a m p l e , Ve r m o n t o r\nCalifornia.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n26/26\n\n\x0c'


b'CREDIT CARD AGREEMENT VISA SIGNATURE\xc2\xae/VISA PLATINUM\xc2\xae\nEFFECTIVE OCTOBER 2019\nPlease read and keep this Cardholder Agreement for your records. This Agreement governs your credit\ncard Account with us. Use of your Washington Trust Bank Account by you, or by someone authorized by\nyou, constitutes acceptance of the terms of this Agreement and disclosure. If you do not accept these\nterms, do not use the cards and return the cards to us. We reserve the right to change the rates, fees\nand terms of this Agreement at any time.\nACCOUNT USE\nYou promise to pay for all transactions, interest charges and fees assessed to your Account, including\nany past due amounts. This Agreement is binding if you use your Account or make a payment on it.\nAuthorized User: If you let anyone use your Account, that person is an authorized user. You may\nrequest a card be issued for an authorized user, and this Account may appear on the authorized user\xe2\x80\x99s\ncredit report. Authorized users may have the same access to information about the Account. You are\nresponsible for all charges made by authorized users. You must notify authorized users that 1) if you\ndo not pay us, we may seek payment from them for charges they make or authorize; 2) we may obtain,\nprovide and use information about them; and 3) their use of the Account is subject to all terms of this\nAgreement.\nYou may use your Account for the following types of consumer transactions:\n1. Purchases: Buy or lease goods or services with your card. Purchases include Account Fees as well\nas Transaction Fees and adjustments associated with any purchase.\n2. Balance Transfers: Transfer balances to your Account from other creditors by request.\n3. Cash Advances: Obtain cash from a participating financial institution or merchant, or from an\nautomated teller machine (ATM), write an Access Check, or purchase money orders, travelers\nchecks, and foreign currency redeemable for cash or transfer funds from your Account to your\nWashington Trust Bank personal checking Account for Overdraft Protection. If you use your\nAccount for Overdraft Protection, we will automatically transfer funds from your Account (up to\nyour credit limit) in increments of $10.00 to cover an overdraft. The amount transferred is subject\nto the cash advance interest rate and interest will begin to accrue immediately upon transfer. All\nAccess Checks include an expiration date printed at the top. We will honor Access Checks received\nfor payment before the expiration date printed on the check, provided your Account is open and\nin good standing, with available credit. Access Checks without a printed expiration date will not\nbe honored.\nLIMITATIONS ON ACCOUNT USE\nPersonal Use: Your Account will only be used for personal, family or household purposes. You may not\nuse your Account for business or commercial purposes.\nPayments to Washington Trust Bank Accounts: You may not use a Cash Advance or Access Check to make\na payment to another Washington Trust credit Account.\nIllegal Transactions: The use of this card for illegal transactions is prohibited. Your card and Account\nmay be used only for valid and lawful purposes. If you use, or allow someone else to use, the card or\nAccount for any other purpose, you will be responsible for such use and may be required to reimburse\nWashington Trust Bank or Visa for all amounts or expenses either Washington Trust Bank or Visa pays\nas a result of such use. For example, Internet gambling transactions may be illegal in your state.\nDisplay of a payment card logo by an online merchant does not mean that the Internet gambling\ntransaction is legal where you conduct it. We will not be liable if you engage in illegal transactions and\nwe may deny authorization of any transactions identified as Internet gambling.\nCredit Limit: Your credit limit is disclosed to you when you receive your card and on your monthly\nstatement. We may change your credit limit from time to time and we base that decision on a number\nof factors such as your payment and transaction history with us and information we receive from third\nparties including credit reporting agencies. The amount shown on your monthly statement as Credit\nAvailable does not take into consideration any Purchases, Balance Transfers, Cash Advances, interest\ncharges, fees and any other transactions, or credits which post to your Account after the Closing Date of\nthat monthly statement. Such transactions could result in your credit limit being exceeded. You promise\nto make Purchases, Cash Advances and Balance Transfers only up to that limit \xe2\x80\x94 meaning the total\noutstanding balance on your Account plus authorizations at any time must not be more than your credit\nlimit. If you attempt a transaction which results in your total outstanding balance (plus authorizations)\nexceeding your credit limit, we may respond in the following ways: 1) We may permit the transaction\nwithout raising your credit limit; 2) We may allow the transaction but treat the amount of that\ntransaction that is over the credit limit as immediately due; or 3) We may decline the transaction. If\nwe decline the transaction we may advise the person who attempted the transaction that it has been\nrefused. In the case of a declined Balance Transfer or Check Cash Advance we may advise the person\npresenting the Check Cash Advance that the credit has been refused or that there are insufficient funds\nto pay the Check Cash Advance or Balance Transfer. If you use the Account for more than your limit, we\nmay charge you for all transactions without giving up our rights under this Agreement. You must pay\nany amount over your credit limit immediately upon request. If we have allowed you to exceed your\ncredit limit in the past that does not mean that we will allow you to exceed your credit limit again.\nAuthorizations: Some transactions require our prior authorization. We may limit the number of\nauthorizations we give in a day. We may deny authorization if you are in default, if we suspect\nfraudulent activity or for other reasons. We are not liable for any failure to authorize a transaction.\n\nYou are liable for any transaction we authorize even if we should not have authorized it because you\nare or would be in default as a result of the transaction.\nSTATEMENTS AND PAYMENTS\nPromise to Pay: When you use your Account or allow someone else to use it, each of you promises\nto pay the total amount of the Purchases, Cash Advances or Balance Transfers whether a sales draft\nis signed or not. Each of you also promises to pay any and all interest charges, fees and any other\ntransactions which become due on the Account.\nStatements: Each month, in which you have an undisputed credit or debit balance of $1.00 or more, you\nwill receive a statement showing your new balance. Your statement also shows the minimum amount\nyou must pay and the latest day we must receive your payment. The due date is at least 25 days after\nthe statement date.\nMinimum Payment: You must make at least the Minimum Payment Due by the Payment Due Date\nshown on your statement. Your Minimum Payment Due will be either 3% of the total balance or $10.00,\nwhichever is greater. Payments made in any billing cycle that are greater than the Minimum Payment\ndue will not affect your obligation to make the next Minimum Payment, and if you overpay or if there\nis a credit balance on your Account, we will not pay interest on such amounts. We may reject payments\nthat are not drawn in U.S. dollars or those drawn on a financial institution outside the United States. We\nreserve the right to reject a payment if your Account has a credit balance as of the day we receive that\npayment. Generally, credits to your Account, such as those generated by merchants or by person-toperson money transfers, are not treated as payments and will not reduce your Minimum Payment due.\nTotal Amount Due: You may pay your Total Amount Due at any time. Each billing cycle you must pay at\nleast the Minimum Payment due as shown on your monthly statement by its Payment Due Date. If you\nare past due or overlimit on your Account, these amounts will be added to your Minimum Payment due.\nWhole Balance Due: If you miss a payment or break one of your promises under this Agreement, we\nmay demand full payment of your entire balance without advance notice. The only exception is a valid\nargument over a charge to your Account. We may also demand full payment if you die, if another\ncreditor tries to attach or seize your property or garnish your wages, or if you are past due or in default\non any other obligation to Washington Trust Bank.\nPayments on Your Account: You must pay each month at least the Minimum Payment due shown on\nyour monthly statement by its Payment Due date. You may pay the entire amount you owe us at any\ntime. If you choose to make your payment by check, we may elect to process that payment as an\nelectronic funds transfer and each time you send a check you authorize a one-time electronic funds\ntransfer. However, we may also choose to process your payment made by check as a check or paper\ndraft. Funds may be withdrawn from your Account as soon as the same day we receive payment\ninstructions.\nWe credit payments as of the date received, if the payment is: 1) received by 5pm local time at the\naddress shown on the remittance slip on the front of your monthly statement; 2) paid with a check\ndrawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and 3) sent in the\nreturn envelope with only the bottom portion of your statement accompanying it. Payments received\nafter 5pm local time at the remittance address on any day including the Payment Due Date, but\nthat otherwise meet the above requirements; will be credited as of the next day. Payments made by\n5pm EST online through WTB Credit Card Tracker will be credited the same day. Credit for any other\npayments may be delayed up to five days. If your Account has balances with different APRs, we will\nallocate the amount of your payment equal to the Minimum Payment due to the lowest APR balances\nfirst. Payment amounts in excess of your Minimum Payment due will be applied to balances with higher\nAPRs before balances with lower APRs.\nDefault: You will be in default of this Agreement if 1) you fail to make the required Minimum Payment\ndue by its Payment Due Date; 2) your total outstanding balance exceeds your credit limit; or 3) you\nfail to abide by any other term of this Agreement. Our failure to exercise any of our rights when you\ndefault does not preclude us from exercising our rights upon later default. We may require immediate\nrepayment if you default on this Agreement in addition to any other remedies contained in this\nAgreement. If collection action becomes necessary, or if you violate this Agreement, we may bill you a\ncollection fee. Attorney\xe2\x80\x99s fees, whether or not a suit is filed, are included in these costs.\nOther Payment Terms: We can accept late payments, partial payments or payments with any restrictive\nwriting without losing any of our rights under this Agreement. This means that no payment, including\nthose marked with \xe2\x80\x9cpaid in full\xe2\x80\x9d or with any other restrictive words, shall operate as an accord and\nsatisfaction without the prior written approval of one of our Collection Officers. You may not use a\npostdated check to make a payment unless directed by a Collection Officer and sent to a specified\naddress. If you do postdate a payment check, we may elect to honor it upon presentment or return it\nuncredited to the person that presented it, without in either case waiting for the date shown on the\ncheck. We are not liable to you for any loss or expense incurred by you arising out of the action that we\nelect to take.\nRates: Annual Percentage Rates (APRs) for your Account are listed on the Interest Rate and Interest\nCharges Table. The Daily Periodic Rate is determined by dividing the Annual Percentage Rate by the\nnumber of days in a year, rounded to the next highest hundred thousandth of a percentage point. We\nreserve the right to amend these APRs.\n\n\x0cPurchases: The APR for Purchases is a variable rate and is determined by adding a margin of 7.99% to the\nPrime Rate.\nCash Advances: The APR for Cash Advances is a variable rate and is determined by adding a margin of\n9.99% to the Prime Rate.\nPenalty APR: The Penalty APR will vary and is determined by adding a margin of 15.99% to the Prime Rate\nVariable Rates: One or more of the APRs described in this document may vary monthly based on the\nPrime Rate. Rates shall be adjusted on the first day of each billing period (\xe2\x80\x9cChange Date\xe2\x80\x9d). The APR on\neach Change Date shall equal the highest Prime Rate published in The Wall Street Journal on the last date\nof publication in the calendar month preceding each Change Date, PLUS a Margin as described above.\nBeginning on the date a rate adjustment is effective and until the next Change Date, the Daily Periodic Rate\nthen in effect will be applied to the balance in the Account to determine the Finance Charge. An adjustment\nin the APR applies to new cash advances, balance transfers, credit purchases, and other charges. An\nincrease or decrease in the Prime Rate will cause an increase or decrease in the APR and may increase the\namount and number of minimum payments. The rate of Finance Charge shall not exceed the maximum\nrate permitted by law, if any is applicable. If the Wall Street Journal does not publish the U.S. Prime Rate or\nif it changes the definition of the U.S. Prime Rate, we may substitute another index.\n\nyour billing with the providers of those services. If we believe you have authorized a transaction or are\nattempting to use your Account after you have requested to close the Account, we may allow the transaction\nto be charged to your Account.\nRefusal to Honor Your Account: We are not liable for any refusal to honor your Account \xe2\x80\x94 this can include\nboth a refusal to honor your Account number or a check written on your Account. We are not liable for the\nretention of your card by us, any financial institution or any provider of goods and services.\nChanging of Our Agreement: We may change the terms or amend this Agreement at any time. We may do\nso by adding, deleting or changing provisions of this Agreement. We may increase or decrease any or all\nof your APRs, including any Promotional APRs. When we amend this Agreement we will comply with State\nand Federal Regulations that are in effect at that time. APR increases will not impact existing balances\nunless you are more than 60 days late with a payment. If an amendment to this Agreement gives you the\nopportunity to reject the change, and if you reject the change in the manner provided in such amendment,\nwe may terminate your right to receive credit and we may ask you to return your cards and/or access\nchecks or other credit devices as a condition of your rejection. We may replace your card with another card\nat any time.\n\nPenalty APR: If at any time you are more than 60 days late in making the required monthly Minimum\nPayment, we may elect to increase your Purchase, Cash Advance and/or Balance Transfer APRs, including\nany Promotional Rate APR. When you make at least your monthly payment on or before the due date for\nsix consecutive months immediately following the rate increase to the penalty rate, your APR will return to\nthe previous rate.\n\nSecurity Interest: To secure payment and performance obligations under this credit card Account, we may\ntake a security interest in one of more of your personal assets to include, but not limited to, a personal\nsavings Account or time certificate of deposit. Your intention to grant a security interest will be supported\nby a separate security agreement. The annual percentage rate will not take into consideration required\ndeposits. If you sign a Security Agreement with Washington Trust Bank and grant the Bank a security\ninterest in something other than your primary residence, that collateral may also secure your indebtedness\nunder your Account.\n\nGrace Period: You will have a grace period on New Purchases provided you Pay in Full by the statement due\ndate. New purchases are subject to finance charges if the prior statement balance was not paid in full. You\ndo not have a Grace Period on Cash Advances, Overdraft Protection or Balance Transfers.\n\nCredit Reports: You authorize us to obtain information about you, including information from third\nparties such as credit reporting agencies and information about your transaction history with us and other\ncompanies.\n\nPeriodic Finance Charges: Your balance subject to Finance Charge shown on your billing statement is\narrived at by completing the following calculations: We calculate a portion of the Finance Charge on your\nAccount by applying the Daily Periodic Rate to the Average Daily Balance of your Account. To compute the\nAverage Daily Balance, we take your beginning balance, add any new transactions or other debits, subtract\nany payments or other credits. Then, we sum daily balances for the billing cycle and divide the total by\nthe number of days in the billing cycle. This gives us the Average Daily Balance. We do this calculation\nseparately for Purchases and Cash Advances. For Purchases, the beginning balance is calculated from the\nposting date. If the previous balance on the statement was paid in full during the first 25 days of the billing\ncycle, the Average Daily Balance is considered $0. For Cash Advances and Balance Transfers, the beginning\nbalance is calculated from the transaction date. In addition, we calculate a portion of the Finance Charge\nby applying a Cash Advance Fee to each Cash Advance.\n\nIf you believe we have furnished inaccurate or incomplete information about you or your Account to a credit\nreporting agency, write us at Washington Trust Bank, Attn: Credit Card Services, P.O. Box 2127, Spokane,\nWA 99210-2127 and explain what information you believe is inaccurate or incomplete. Please include your\nname, address, phone number and Account number in your correspondence.\n\nCash Advance and Balance Transfer Fees: For each Cash Advance, we will charge the Cash Advance Fee.\nBalance Transfers will also incur Cash Advance Fees unless otherwise stated.\nOverdraft Protection Transfer Fee: For each Overdraft Protection transfer we will charge the Overdraft\nProtection Transfer Fee.\nMinimum Finance Charge: Whenever the calculated Finance Charge is less than $1.00, we will assess a\nminimum Finance Charge of $1.00.\n\nNegative Information Disclosure: We may report information about your Account to credit bureaus. Late\npayments, missed payments or other defaults on your Account may be reflected in your credit report.\nSign Your Card: You should sign your card before you use it.\nTelephone Monitoring: We may listen to and record telephone calls between you and us for the purpose\nof monitoring and improving the quality of service you receive. Where you have provided a cell phone\nnumber directly to us, or placed a cell phone call to us, you consent and agree to accept collection calls or\ntexts to your cell phone from us. For any telephone or cell phone calls we place to you, you consent and\nagree that those calls may be automatically dialed and/or use recorded messages.\nForeign Currency Transactions/Fees: If you make a transaction in currency other than U.S. dollars, Visa\nwill convert the charge or credit into a U.S. dollar amount. The conversion rate on the processing date may\ndiffer from the rate on the date of your transaction. We will charge you a Foreign Currency Transaction Fee,\nif applicable, of the U.S. dollar amount for each converted purchase and cash advance transaction.\n\nLate Fees: A Late Fee will be added to the balance of your Account for each billing period you fail to pay, by\nits due date, the Minimum Amount Due.\n\nProcedures for Opening a New Account: To help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an Account. What this means for you: When you open an Account, we\nwill ask for your name, address, date of birth and other information that will allow us to identify you. We\nmay also ask to see your driver\xe2\x80\x99s license or other identifying documents.\n\nReturned Payment Fee: A Returned Payment Fee will be added to your Account for any payment on your\nAccount that is returned to us unpaid.\n\nWaiver: We can waive or decline to enforce any of our rights under this Agreement at any time without\naffecting any of our rights under this Agreement.\n\nCopy Charge/Card Replacement Charge: Your Account will be charged a copy charge of $2.00 per page for\ncopies of a statement or check, and $5.00 for a copy of a sales receipt you request from us, except those\nitems associated with a billing dispute. You may be assessed a fee $3.00 for replacing your credit card for\nreasons other than card expiration or you report your card stolen.\n\nWe May Sell Your Account: We may at any time and without notice to you, sell assign or transfer your\nAccount, any sums due on your Account, this Agreement, or our rights or obligations under your Account or\nthis Agreement to any person or entity. The person or entity to whom we make any such sale, assignment\nor transfer shall be entitled to all of our rights and/or obligations under this Agreement, to the extent sold,\nassigned or transferred.\n\nOTHER FEES\nAnnual Membership Fee: None.\n\nRates, fees and terms may change: Washington Trust Bank may change the rates, fees and terms of your\nAccount at any time for any reason. These reasons may include competitive or market-related factors. If\nwe make a change for any reason, other than an increase or decrease in the Prime Rate, you will receive\nadvance notice and a right to opt out in accordance with applicable law.\nOTHER IMPORTANT INFORMATION\nLost or Stolen Cards: If your card is lost or stolen, or if you think your Account is being used without your\npermission, you must notify us immediately at 800.788.4578.\nCancellation: You may cancel this Agreement any time for any reason. If you do cancel, you must notify\nus and destroy all cards and/or access checks or other credit devices we have issued for the Account. We\nmay also cancel or suspend your Account or otherwise terminate your right to use this Account at any time\nfor any reason. You must destroy all of the cards and/or access checks or other credit devices that we have\nissued as soon as this happens. Even though the Account is canceled, you are still liable for all purchases,\nadvances and charges made on the Account.\nTransactions after Your Account Is Closed: When your Account is closed, it is your responsibility to contact\nanyone authorized to charge transactions to your Account, such as health clubs, cell phone providers or\ninsurance companies. These transactions may continue to be charged to your Account until you change\n\nChange Your Address: You must notify us when you change your address. In order to keep accurate records\non your Account, we must have current address and telephone number information for the Account that you\nhave with us. We may also receive this information via the postal service or from other sources. When you\nchange your address or telephone numbers, you must notify us promptly of that information.\nVisa Account Updater (VAU): When your Account number or card expiration date changes, participating\nmerchants will have access to your updated card information to prevent the interruption of future\npayments. Merchants are not required to participate in VAU, so notification to your merchants is\nrecommended. If you wish to opt out of this service, contact Priority Service at 800.788.4578.\nGoverning Law: This Agreement is governed by the laws of the state of Washington (without regard to its\nconflict of laws principles) and by any applicable federal laws.\nYOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE)\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement:\nIf you think there is an error on your statement, write us at Washington Trust Bank, Attn: Credit Card\n\n\x0cServices, P.O. Box 2127, Spokane, WA 99210-2127.\nWrite to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill\non which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.\nIn Your Letter, Provide the Following Information:\n\xe2\x80\xa2 Account information: Your name and Account number\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou Must Contact Us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\n\xe2\x80\xa2 You must notify us of any potential errors in writing. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen after We Receive Your Letter:\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile We Investigate Whether or Not There Has Been an Error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on\nthat amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter We Finish Our Investigation, One of Two Things Will Happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter is settled between us.\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases:\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress; and the purchase price must have been more than $50.00. (NOTE: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with the check that accesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at\nWashington Trust Bank, Attn: Credit Card Services, P.O. Box 2127, Spokane, WA 99210-2127.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\nInformation about the rates and fees of the card described in this Agreement are accurate as of the date\nof printing, October 2019. This information may have changed after that date. To find out what may have\nchanged, call us at 800.788.4578, or write to us Washington Trust Bank, Attn: Credit Card Services, P.O. Box\n2127, Spokane, WA 99210-2127. Visa is a registered trademark of Visa International Service Association\nand is used by the issuer pursuant to license from Visa U.S.A. Inc.\n\n19-BWPS-21438 9/19\n\n\x0c'