b'12/4/2020\n\nDisclosures\n\nIMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION\nREAD THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS\nP r i o r t o a p p l y i n g f o r a ( n ) W i l l i a m s S o n o m a C r e d i t C a r d , C o m e n i t y B a n k r e q u e s t s y o u r c o n s e n t t o p r o v i d e y o u i m p o r t a n t i n f o r m a t i o n e l e c t r o n i c a l l y.\nYo u u n d e r s t a n d a n d a g r e e t h a t C o m e n i t y B a n k m a y p r o v i d e y o u w i t h a l l r e q u i r e d a p p l i c a t i o n d i s c l o s u r e s r e g a r d i n g y o u r W i l l i a m s S o n o m a C r e d i t\nC a r d a p p l i c a t i o n i n e l e c t r o n i c f o r m . T h e s e d i s c l o s u r e s i n c l u d e , b u t a r e n o t l i m i t e d t o , Te r m s a n d C o n d i t i o n s , t h e Yo u r W i l l i a m s S o n o m a C r e d i t\nCard Account Agreement and Customer Privacy Statement.\nYo u a g r e e t o k e e p u s u p d a t e d a t a l l t i m e s w i t h y o u r c u r r e n t c o n t a c t i n f o r m a t i o n . I f y o u r c o n t a c t i n f o r m a t i o n h a s c h a n g e d p l e a s e c o n t a c t u s a t 1 8 4 4 - 2 7 1 - 2 8 2 3 ( T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) .\nT h i s c o n s e n t d o e s n o t e n r o l l y o u i n p a p e r l e s s s t a t e m e n t s . I n o r d e r t o e n r o l l i n p a p e r l e s s s t a t e m e n t s , p l e a s e v i s i t A c c o u n t C e n t e r.\nA t y o u r r e q u e s t , w e w i l l p r o v i d e y o u w i t h p a p e r c o p i e s o f t h e s e d i s c l o s u r e s . Yo u h a v e t h e r i g h t t o w i t h d r a w c o n s e n t , w i t h o u t a f e e . P l e a s e c a l l u s\na t 1 - 8 4 4 - 2 7 1 - 2 8 2 3 ( T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) t o w i t h d r a w y o u r c o n s e n t t o r e c e i v e e l e c t r o n i c d i s c l o s u r e s .\nIn order to receive electronic communications and to obtain the best view of these communications you will need access to the Internet, have a\nweb browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and print these disclosures, and Adobe Reader to\nv i e w P D F f i l e s . Yo u m a y d o w n l o a d i t f o r f r e e a t h t t p s : / / g e t . a d o b e . c o m / r e a d e r / . Vi s i t t h e C o m m o n S e c u r i t y Q u e s t i o n s p a g e f o r s u p p o r t e d w e b\nbrowser information. By selecting the "Submit" button, you confirm that your system meets these requirements and that you have the capability to\naccess and download or print electronic disclosures.\nWe r e c o m m e n d t h a t y o u r e t a i n a c o p y o f t h e s e d i s c l o s u r e s f o r y o u r r e c o r d s .\nIf this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.\n\nReview our Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Visit this\npage to request that we Do Not Sell My Personal Information.\n\nRate and Fee Summary\nThis Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Williams Sonoma Credit Card\nAccount. Read it and keep it.\n\nInterest Rates and Interest\nCharges\nAnnual Percentage Rate (APR)\nfor Purchases\nH o w t o Av o i d P a y i n g I n t e r e s t\n\n26.99%\nThis APR will vary with the market based on the Prime Rate.\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\nmonth.\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 the\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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n1/20\n\n\x0c12/4/2020\n\nDisclosures\n\nConsumer Financial Protection\n\nvisit the website of the Consumer Financial Protection Bureau at\n\nBureau\n\nh t t p : / / w w w. c o n s u m e r f i n a n c e . g o v / l e a r n m o r e .\n\nFees\nAnnual Fee\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\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 " 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 ) . " 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.\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 D e c e m b e r 2 0 2 0 . 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\nm o r e , c 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.\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.\n\nPurchases\n\nAPR\n\nDaily Periodic Rate\n\nMargin\n\n26.99% (v)\n\n0.07394%\n\n23.74%\n\n(v) = variable\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,\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n2/20\n\n\x0c12/4/2020\n\nDisclosures\n\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.\nIf the New Balance is more than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment\nis 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:\n(1) 1% of plan balance at end of billing period (excluding new interest charges for plan)\n\nRegular Purchase\n\n(minimum $5); plus\n(2) New interest charges for plan\n\nDeferred Interest, Payment Required and\n\n3.5% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\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\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)\n\nLow APR, Equal Payment\n\nPurchase amount including calculated interest charges from purchase date through end of\npromotional period divided by number of months in promotional period rounded up to\nnearest $1 (minimum $5)\n\nDeferred Interest, Low Payment and\n\n1% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\nWa i v e d I n t e r e s t , L o w P a y m e n t\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\n\nDependent upon above for corresponding Credit Plan\n\nBudget Payment)\n\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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n3/20\n\n\x0c12/4/2020\n\nDisclosures\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\n\nGeneral\n\nCredit Card Customer Care:\n\xe2\x80\xa2 Williams Sonoma: 1-844-271-2823\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 W i l l i a m s S o n o m a : c o m e n i t y. n e t / w i l l i a m s s o n o m 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\nIMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT\nTo h e l p t h e g o v e r n m e n t f i g h t t h e f u n d i n g o f t e r r o r i s m a n d m o n e y l a u n d e r i n g a c t i v i t i e s , F e d e r a l l a w r e q u i r e s a l l f i n a n c i a l i n s t i t u t i o n s t o o b t a i n , v e r i f y a n d\nrecord information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name,\naddress, date of birth or other information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\nC A R e s i d e n t s : I f y o u a r e m a r r i e d , y o u m a y a p p l y f o r a s e p a r a t e a c c o u n t . N Y, R I a n d V T R e s i d e n t s : W e m a y o r d e r c r e d i t r e p o r t s i n c o n n e c t i o n w i t h\nprocessing applications and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting\na g e n c y t h a t f u r n i s h e d a r e p o r t o n y o u . Yo u c o n s e n t t o t h e o b t a i n i n g o f s u c h r e p o r t s b y s i g n i n g o r o t h e r w i s e s u b m i t t i n g 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 . O H\nResidents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit\nreporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this\nl a w. W I R e s i d e n t s : N o p r o v i s i o n o f a m a r i t a l p r o p e r t y a g r e e m e n t , u n i l a t e r a l s t a t e m e n t u n d e r S e c t i o n 7 6 6 . 5 9 o r c o u r t d e c r e e u n d e r S e c t i o n 7 6 6 . 7 0\nadversely affects the interest of Comenity Bank unless the Bank, prior to the time credit is granted, is furnished a copy of the agreement, statement or\ndecree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\nI f y o u h a v e b e e n p r e a p p r o v e d , s e e b e l o w f o r d e t a i l s o f y o u r o f f e r.\n\nYou can choose to stop receiving "prescreened" offers of credit from this and other\ncompanies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below\nfor more information about prescreened offers.\nP R E S C R E E N & O P T- O U T N O T I C E : T h i s " p r e s c r e e n e d " o f f e r o f c r e d i t i s b a s e d o n i n f o r m a t i o n i n y o u r c r e d i t r e p o r t i n d i c a t i n g t h a t y o u m e e t\ncertain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from\nthis and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013;\nTr a n s U n i o n , P O B o x 5 0 5 , W o o d l y n , PA 1 9 0 9 4 ; E q u i f a x , P O B o x 7 4 0 1 2 3 , A t l a n t a , G A 3 0 3 7 4 ; S a g e S t r e a m , L L C , P O B o x 5 0 3 7 9 3 , S a n D i e g o ,\nC A 9 2 1 5 0 ; I n n o v i s , P O B o x 4 9 5 , P i t t s b u r g h , PA 1 5 2 3 0 - 0 4 9 5 .\n\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 extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n4/20\n\n\x0c12/4/2020\n\nDisclosures\n\n36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account)\nTo h e a r t h i s M i l i t a r y L e n d i n g A c t d i s c l o s u r e a n d t h e p a y m e n t o b l i g a t i o n s t h e r e u n d e r, 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 ; ( T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) .\nI a m a p p l y i n g t o C o m e n i t y B a n k f o r, a n d h e r e b y r e q u e s t , a W i l l i a m s S o n o m a C r e d i t C a r d f o r p e r s o n a l , f a m i l y o r h o u s e h o l d u s e . I h e r e b y a u t h o r i z e\nComenity Bank to investigate my credit record. The information that I have supplied is true and correct. I agree that a credit report may be obtained for\nany lawful purpose, including in connection with the processing of an application, or subsequently with the update, renewal or extension of credit. Upon\nmy request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be given the name and address of the\nc o n s u m e r - r e p o r t i n g a g e n c y t h a t f u r n i s h e d t h e r e p o r t . I a g r e e t o b e b o u n d b y t h e t e r m s o f t h e Yo u r W i l l i a m s S o n o m a C r e d i t C a r d A c c o u n t A g r e e m e n t . I\na c k n o w l e d g e t h a t I w i l l r e c e i v e a Yo u r W i l l i a m s S o n o m a C r e d i t C a r d A c c o u n t A g r e e m e n t u p o n a p p r o v a l . I a l s o a c k n o w l e d g e t h a t t h e r e i s n o a g r e e m e n t\nb e t w e e n C o m e n i t y B a n k a n d m e u n t i l C o m e n i t y B a n k a p p r o v e s m y c r e d i t a p p l i c a t i o n a n d a c c e p t s t h e Yo u r W i l l i a m s S o n o m a C r e d i t C a r d A c c o u n t A g r e e m e n t\na t i t s o f f i c e i n D e l a w a r e a n d t h a t t h e Yo u r W i l l i a m s S o n o m a C r e d i t C a r d A c c o u n t A g r e e m e n t i s d e e m e d t o b e m a d e i n D e l a w a r e . C a r d s a r e i s s u e d a n d\ncredit is extended by Comenity Bank, Wilmington, Delaware.\nPLEASE NOTE:\nB Y S U B M I T T I N G T H I S C R E D I T A P P L I C AT I O N , Y O U A R E A G R E E I N G T O T H E F O L L O W I N G W I T H R E S P E C T T O C E R TA I N C O N S U M E R I N F O R M AT I O N\nABOUT YOU.\nYo u h e r e b y a u t h o r i z e C o m e n i t y B a n k ( " u s " o r " w e " ) t o f u r n i s h o u r d e c i s i o n t o i s s u e a n a c c o u n t t o y o u t o W i l l i a m s S o n o m a , I n c . . Yo u h e r e b y a u t h o r i z e u s\nto furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Williams Sonoma, Inc..\nCheck your information before submitting. We cannot process any submission without a complete and accurate name, address, date of birth and social\ns e c u r i t y n u m b e r. B y s u b m i t t i n g t h i s A p p l i c a t i o n y o u a r e a c k n o w l e d g i n g h a v i n g r e a d a n d u n d e r s t o o d t h e I m p o r t a n t R a t e , F e e a n d O t h e r C o s t I n f o r m a t i o n\nand, if approved, agreeing to be bound by them.\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:\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n5/20\n\n\x0c12/4/2020\n\nDisclosures\n\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 ;\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 ;\nget cash or pay someone using a check we offer for that purpose;\nmake any other transaction the merchant codes as a cash advance, money transfer or gambling.\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.\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 r A g r e e m e n t\n\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\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\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.\n\nAuthorized Users\n\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.\n\nJoint Accounts\n\nIf this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed.\nAny notice we send to either of you will serve as notice to both of you.\n\nCredit\nAuthorizations\n\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.\n\nCredit Limit\n\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.\n\nElectronic Access\n\nApplications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit\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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n6/20\n\n\x0c12/4/2020\n\nDisclosures\n\nAPRs and Interest Based on APRs\nReview your Summary for the APRs that apply to your Account\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\nVa r i a b l e A P R s\n\nany Maximum APR specified in the Rate Information chart.\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.\n\nDaily Balance\nMethod (including\n\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.\n\ncurrent transactions)\n\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.\nWe subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the\npartial daily balance.\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\nuntil paid 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.\nH o w W e A p p l y P a y m e n t s M a y I m p a c t 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\nbilling period, then, depending on how we apply your payment, you may not get a Grace Period on new regular\npurchases.\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\ninterest at 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,\nany remaining balance and interest from the transaction date is added to the regular purchase balance and is\nsubject to interest at the then-current rate for regular purchases.\n\nPayments\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n7/20\n\n\x0c12/4/2020\n\nPayment Instructions\n\nDisclosures\n\nWe credit payments in accordance with the terms on your statement. Review your statement for details.\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\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.\n\nPrivacy Policy\n\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.\n\nCredit Reporting\n\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\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.\n\nUnauthorized Use\n\nNotify us immediately at the General mailing address or phone number in the How to Contact Us section of the\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\nC l o s i n g Yo u r\n\nYo 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 .\n\nAccount\n\nWe may close, suspend or not renew your Account at any time, for any reason, without notice.\n\nF o r e i g n Tr a n s a c t i o n s\n\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.\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\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n8/20\n\n\x0c12/4/2020\n\nDisclosures\n\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.\nConformance with\nLaw; Severability\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.\n\nN o Wa i v e r\n\nWe will not lose our rights under this Agreement because we delay or do not enforce them.\n\nAssignment\n\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\nassign any of your rights or obligations under this Agreement.\n\nNew Jersey\n\nA 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\nResidents\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;\nany other number you provide, use to contact us or may utilize;\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\nany email address you provide to us or any other person or company that provides any services in connection with this Agreement.\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 "payment in full"\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.\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n9/20\n\n\x0c12/4/2020\n\nDisclosures\n\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 .\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\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 t h e\nGeneral 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.\n\nA . J u r y Tr i a l Wa i v e r\n\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\narising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision\nb e l o w ( 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\ng i v e n k 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.\n\nB. Notice and Cure\n\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, " C l a i m " ) , 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 ( " C l a i m a n t " ) s h a l l g i v e t h e o t h e r\np a r t y ( " D e f e n d a n t " ) w r i t t e n n o t i c e o f t h e C l a i m ( " C l a i m N o t i c e " ) 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\nany updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to the\naddress for Arbitration Claims on the Summary (or any updated address we subsequently provide). Any Claim\nNotice you send must provide your name, address and Account number and explain the nature of the Claim and\nr e l i e f d 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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n10/20\n\n\x0c12/4/2020\n\nDisclosures\n\nN o t 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.\nC. Arbitration\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 ,\n\nProvision\n\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.\n\n1. Right to Reject\n\nIf you don\xe2\x80\x99t want this Arbitration Provision (and any prior arbitration agreement between you and us\n( " 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 " ) ) 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\nthan one) and if we receive it within 30 calendar days after the date we first provide you with a credit\nc a r d a 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\nof this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain\ncredit.\n\n2. Parties\n\nSolely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and\n"our" mean\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 "Bank Parties"); 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\n3. Covered Claims\n\n"Claim" 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. "Claim" 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. "Claim" 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,\nregulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). "Claim"\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\nany part 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 .\n\n4. Starting an\nArbitration\n\nArbitration may be elected by any party with respect to any Claim, even if that party has already initiated a\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\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n11/20\n\n\x0c12/4/2020\n\nDisclosures\n\no r y 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\ncourt, we then have the right to demand arbitration.\n5. Administrator\n\n" A d m i n i s t r a t o r " 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 ( " A A A " ) , 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\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.\n\n6. Court and Jury\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\n\nTr i a l s P r o h i b i t e d ;\n\njury decide the Claim. Also, your ability to obtain information from us is more limited in arbitration than\n\nOther Limitations on\nLegal Rights\n\nin a lawsuit. Other rights that you would have if you went to court may also not be available in\narbitration.\n\n7. Prohibition Against\n\nIf you or we elect to arbitrate a Claim:\n\nCertain Proceedings\n( C l a s s A c t i o n Wa i v e r )\n\na. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a\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.\n\n8. Location and Costs\n\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\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\nto.\n\n9. Governing Law\n\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 ( " FA A " ) , 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\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\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n12/20\n\n\x0c12/4/2020\n\nDisclosures\n\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.\n10. Discovery\n\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\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\n\nJudgment upon the arbitrator \xe2\x80\x99s award may be entered by any court having jurisdiction. The arbitrator \xe2\x80\x99s decision\n\nAppeals\n\ni s f 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.\nAny finding, award or judgment from an arbitration of any Claim shall apply only to that arbitration. No finding,\naward or judgment from any other arbitration shall impact the arbitration of any Claim.\n\n12. Interpretation\n\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\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.\n\n13. Severability\n\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\nb e v 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\nask the court to stay the public injunctive relief Claim until the other Claims have been finally concluded.\n\n14. Special Payment\n\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\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.\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.\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n13/20\n\n\x0c12/4/2020\n\nDisclosures\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.\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.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\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.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\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 .\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 w i l l\nsend you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\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 :\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n14/20\n\n\x0c12/4/2020\n\nDisclosures\n\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\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate plus\n\n23.74%\n\nThis APR will vary with the market based on the Prime Rate.\n\nH o w t o Av o i d P a y i n g\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 c h a r g e\n\nInterest\n\nyou interest on purchases if you pay your entire balance by the due date each month.\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\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nBalance Computation\n\nWe use a method called "daily balance."\n\nMethod\n\nFinancial Privacy Policy\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n15/20\n\n\x0c12/4/2020\n\nDisclosures\n\nPrinter-friendly version (PDF)\nYo u n e e d A d o b e R e a d e r t o v i e w P D F f i l e s . Yo u m a y d o w n l o a d i t f o r f r e e f r o m A d o b e .\nr e v. 0 8 / 1 9\n\nFACTS\nWHAT DOES COMENITY DO WITH YOUR PERSONAL INFORMATION?\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal\nlaw also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we\ndo.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service you have with us. This information can include:\nSocial Security number and income\nAccount balances and transaction history\nCredit history and credit scores\n\nHow?\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n16/20\n\n\x0c12/4/2020\n\nDisclosures\n\nA l l f i n a n c i a l c o m p a n i e s n e e d t o s h a r e c u s t o m e r s \' p e r s o n a l i n f o r m a t i o n t o r u n t h e i r e 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\nfinancial companies can share their customers\' personal information; the reasons Comenity chooses to share; 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 transactions, maintain your account(s), respond to court orders and legal investigations,\nor report to credit bureaus\n\nYe s\n\nNo\n\nFor our marketing purposes-to offer our products and services to you\n\nYe s\n\nNo\n\nFor joint marketing with other financial companies\n\nYe s\n\nNo\n\nFor our affiliates\' everyday business purposes-information about your transactions and experiences\n\nYe s\n\nNo\n\nFor our affiliates\' everyday business purposes-information about your creditworthiness\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n17/20\n\n\x0c12/4/2020\n\nDisclosures\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\nTo limit our sharing\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 1-888-819-1918)\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 t 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,\nwe continue to 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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n18/20\n\n\x0c12/4/2020\n\nDisclosures\n\nCall 1-866-423-1097\n\nWho we are\n\nWho is providing this notice?\nThis privacy notice is provided by the Comenity family of companies, including Comenity Bank and Comenity Capital Bank.\n\nWhat we do\n\nHow does Comenity protect my personal information?\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 s 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\ninclude computer safeguards and secured files and buildings.\nHow does Comenity collect my personal information?\nWe collect your personal information, for example, when you\nopen an account or provide account information\ngive us your income information\nuse your credit or show your driver\'s license\nWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\nWhy can\'t I limit all sharing?\nFederal law gives you the right to limit only\nsharing for affiliates\' everyday business purposes-information about your creditworthiness\naffiliates from using your information to market to you\nsharing for nonaffiliates to market to you\nS t a t e l a w s a n d i n d i v i d u a l c o m p a n i e s m a y g i v e y o u a d d i t i o n a l r i g h t s t o l i m i t s 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\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n19/20\n\n\x0c12/4/2020\n\nDisclosures\n\nWhat happens when I limit sharing for an account I hold jointly with someone else?\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\nCompanies related by common ownership or control. They can be financial and nonfinancial companies.\nOur affiliates include companies with a Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and other\nComenity entities; nonfinancial companies such as Alliance Data, and LoyaltyOne.\n\nNonaffiliates\nCompanies not related by common ownership or control. They can be financial and nonfinancial companies.\nNonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers, and nonprofit organizations.\n\nJoint marketing\nA formal agreement between nonaffiliated financial companies that together market 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 C a l i f o r n i a .\n\nhttps://d.comenity.net/williamssonoma/pub/requestCca/requestCca.xhtml\n\n20/20\n\n\x0c'