b'2/5/2020\n\nDisclosures\n\nIMPORTANT INFORMATION REGARDING ELECTRONIC\nCOMMUNICATION\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 ) C a e s a r s R e w a r d s Vi s a \xc2\xae o r C a e s a r s R e w a r d s Vi s a S i g n a t u r e C r e d i t C a r d , C o m e n i t y\nB 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\nr e g a r d i n g y o u r C a e s a r s R e w a r d s Vi s a \xc2\xae o r C a e s a r s R e w a r d s Vi s a S i g n a t u r e C r e d i t C a r d a p p l i c a t i o n i n\ne 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 C a e s a r s\nR e w a r d s \xc2\xae Vi s a \xc2\xae o r C a e s a r s R e w a r d s \xc2\xae Vi s a S i g n a t u r e \xc2\xae 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 a n d C u s t o m e r\nPrivacy 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\nh 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 5 5 - 3 8 1 - 5 7 1 2 ( C a e s a r s R e w a r d s Vi s a S i g n a t u r e C a r d s ) o r 1 - 8 5 5 - 3 8 1 5 7 1 5 ( C a e s a r s R e w a r d s Vi s a C a r d s ) ( T D D / T T Y: 1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) .\nThis consent does not enroll you in paperless statements. In order to enroll in paperless statements, please\nv 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\nc 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 a t 1 - 8 5 5 - 3 8 1 - 5 7 1 2 ( C a e s a r s R e w a r d s Vi s a S i g n a t u r e C a r d s ) o r 1 - 8 5 5 3 8 1 - 5 7 1 5 ( C a e s a r s R e w a r d s Vi s a C a r d s ) 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\nneed access to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS,\nt h e c a p a b i l i t y t o d o w n l o a d a n d p r i n t t h e s e d i s c l o s u r e s , a n 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\ndownload it for free at https://get.adobe.com/reader/. By selecting the "Submit" button, you confirm that your\nsystem meets these requirements and that you have the capability to access and download or print\nelectronic 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\ncustomer service desk.\n\nRate and Fee Summary\nThis Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the\nCaesars Rewards Visa\xc2\xae or Caesars Rewards Visa Signature\xc2\xae Credit Card Account. Read it and keep\nit.\n\nInterest Rates and\nInterest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n24.49%, 19.49%,\n\nor\n\n15.49%,\n\nbased upon your\n\ncreditworthiness.\nThis APR will vary with the market based on the Prime\nRate.\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\n27.49%\nThis APR will vary with the market based on the Prime\nRate.\n\nPaying Interest\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\nbilling period. We will not charge you interest on\npurchases if you pay your entire balance by the due date\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n1/19\n\n\x0c2/5/2020\n\nDisclosures\n\neach month. We will begin charging interest on balance\ntransfers and cash advances on the transaction date.\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less\nthan $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\n\nConsumer Financial Protection\n\nfor or using a credit card, visit the website of the\n\nBureau\n\nConsumer Financial Protection Bureau at\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\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\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,\n\n\xe2\x80\xa2 Cash Advance\n\nw h i c h e v e r i s g r e a t e r.\n\n\xe2\x80\xa2 F o r e i g n Tr a n s a c t i o n\n\nEither $5 or 3% of the amount of each cash advance,\nw 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\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\ncurrent transactions)." Review your Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those\nrights is provided in your Agreement.\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\nS i g n a t u r e : 1 - 8 5 5 - 3 8 1 - 5 7 1 2 ( 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\nState Department of Financial Services by telephone or visit its website for free information on\nc 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\nphone number in the How to Contact Us section below and give us your spouse\xe2\x80\x99s name and address.\nPrint Date: This Summary was printed February 2020. The information was accurate as of that date\nb 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 , 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\ni 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 .\nGoverning Law: This loan is made in Delaware and this Agreement is governed by Delaware and\nf 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\nabove. If this Agreement was provided at point of sale, review the Agreement with your welcome\npackage for variable rate information in effect within 30 days of mailing.\n\nAPR\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\nDaily Periodic\nRate\n\nMargin\n\n2/19\n\n\x0c2/5/2020\n\nDisclosures\n\nTi e r 1 P u r c h a s e s\n\n24.49% (v)\n\n0.06709%\n\n19.74%\n\nTi e r 2 P u r c h a s e s\n\n19.49% (v)\n\n0.05339%\n\n14.74%\n\nTi e r 3 P u r c h a s e s\n\n15.49% (v)\n\n0.04243%\n\n10.74%\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\n27.49% (v)\n\n0.07531%\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\ncash advance. Call the General number in the How to Contact section below to request a PIN.\nAnnual Fee: If there is an Annual Fee in the Fee table above, this fee will be charged with the close\no f y o u r f i r s t b i l l i n g p e r i o d a n d a 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\nwithin 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is\notherwise non-refundable.\nLate Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is\n$29 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $40. This\nf 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\nFee even if the payment is honored on resubmission. The fee is $29 if you were not charged a\nReturned Payment Fee in the same or the prior six billing periods. Otherwise, it is $40. This fee will\nn 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\ny o u d o , w e m a y c h a r g e a f e e . C 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\nbefore you authorize any payment and you can withdraw your request if 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\nMinimum Payment each billing period by the Due Date on your statement.\nIf the New Balance on your statement is less than $35, the Minimum Payment is the New Balance.\nIf the New Balance is more than $35, the Minimum Payment is the Past Due amount plus the sum of\nthe amounts due on each Credit Plan as follows:\n\nRegular Purchase, Cash Advance\na n d B a l a n c e Tr a n s f e r\n\nFor each Credit Plan, sum of following rounded up to nearest $1:\n(1) 1% of plan balance at end of billing period (excluding new\ninterest charges for plan) (minimum $5); plus\n(2) New interest charges for plan\n\nDeferred Interest, Payment\nR e q u i r e d a n d Wa i v e d I n t e r e s t ,\nPayment Required\n\n3.5% of plan balance at end of billing period rounded up to\nnearest $1 (minimum $5)\n\nDeferred Interest, Equal Payment\n\nPurchase amount divided by number of months in promotional\n\na n d Wa i v e d I n t e r e s t , E q u a l\nPayment\n\nperiod rounded up to nearest $1 (minimum $5)\n\nLow APR, Equal Payment\n\nPurchase amount including calculated interest charges from\npurchase date through end of promotional period divided by\nnumber of months in promotional period rounded up to nearest $1\n(minimum $5)\n\nDeferred Interest, Low Payment\n\n1% of plan balance at end of billing period rounded up to\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n3/19\n\n\x0c2/5/2020\n\nDisclosures\n\nand\n\nnearest $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\nBudget Payment\n\nMonthly payments of $49, $99, $149, $199 or $299, as specified\nin offer based on transaction amount\n\nOpen Charge (except Open\nCharge Budget Payment)\n\nDependent upon above for corresponding Credit Plan\nIf your balance increases during the Open Charge Period, your\nMinimum Payment will increase\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\nNotifications\n\nComenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH\n43218-2125\n\nBilling Errors\n\nComenity Bank, PO Box 182782, Columbus, OH 43218-2782\n\nCredit Reporting\nDisputes\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 Caesar Rewards Visa: 1-855-381-5715\n\xe2\x80\xa2 Caesar Rewards Visa Signature: 1-855-381-5712\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\nWhen writing, include your name, address, phone number and Account\nn 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\nfinancial institutions to obtain, verify and record information that identifies each person who opens an account. What\nthis means for you: When you open an account, we will ask for your name, address, date of birth or other\ninformation that will allow us to identify you. We may also ask to see your driver\'s license or other identifying\ndocuments.\nCalifornia Residents: If you are married, you may apply for a separate account. OH Residents: The Ohio laws\nagainst discrimination require that all creditors make credit equally available to all creditworthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nC o m m i s s i o n a d m i n i s t e r s c o m p l i a n c e w i t h t h i s l a w. 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\nconnection with processing applications/solicitations and any update, renewal or extension of credit. Upon request,\nw e w i l l t e l l y o u t h e n a m e a n d a d d r e s s o f a n y c 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 a r e p o r t o n y o u . Yo u\nconsent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. Wisconsin\nResidents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the\nW i s c o n s i n s t a t u t e s o r c o u r t o r d e r u n d e r S e c t i o n 7 6 6 . 7 0 a d v e r s e l y a f f e c t s t h e i n t e r e s t o f t h e c r e d i t o r, C o m e n i t y\nBank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree\nor 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\nfrom this and other companies by calling toll-free 1-888-567-8688.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n4/19\n\n\x0c2/5/2020\n\nDisclosures\n\nSee PRESCREEN & OPT-OUT NOTICE below for more information\nabout 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\ncredit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet\nour criteria. If you do not want to receive prescreened offers of credit from this and other companies,\ncall the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen,\nT X 7 5 0 1 3 ; Tr 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 ;\nS 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 , C 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 0495.\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\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums;\nfees for ancillary products sold in connection with the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain 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 C a e s a r s R e w a r d s V i s a \xc2\xae o r C a e s a r s R e w a r d s V i s a\nSignature Credit Card for personal, family or household use. I hereby authorize Comenity Bank to investigate my\ncredit record. The information that I have supplied is true and correct. I agree that a credit report may be obtained\nfor any lawful purpose, including in connection with the processing of an application, or subsequently with the\nupdate, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit\nreport was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that\nf 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 C a e s a r s R e w a r d s \xc2\xae V i s a \xc2\xae o r C a e s a r s R e w a r d s \xc2\xae\nV i s a S i g n a t u r e \xc2\xae 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 a 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 C a e s a r s R e w a r d s \xc2\xae V i s a \xc2\xae\nor Caesars Rewards\xc2\xae Visa Signature\xc2\xae Credit Card account agreement upon approval. I also acknowledge that there\nis no agreement between Comenity Bank and me until Comenity Bank approves my credit application and accepts\nt h e Yo u r C a e s a r s R e w a r d s \xc2\xae V i s a \xc2\xae o r C a e s a r s R e w a r d s \xc2\xae V i s a S i g n a t u r e \xc2\xae 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 a t i t s\no 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 C a e s a r s R e w a r d s \xc2\xae V i s a \xc2\xae o r C a e s a r s R e w a r d s \xc2\xae V i s a S i g n a t u r e \xc2\xae C r e d i t C a r d\naccount agreement is deemed to be made in Delaware. Cards are issued and credit is extended by Comenity Bank,\nWilmington, 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\nC E R TA I N C O N S U M E R I N F O R M AT I O N A B O U T Y O U .\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 C a e s a r s\nL i c e n s e C o m p a n y, L L C . Yo u h e r e b y a u t h o r i z e u s t o f u r n i s h , i f y o u r a p p l i c a t i o n i s a p p r o v e d , i n f o r m a t i o n c o n c e r n i n g\ny o u r a c c o u n t t o c r e d i t b u r e a u s , o t h e r c r e d i t o r s a n d C a e s a r s L i c e n s e C o m p a n y, L L C .\nCheck your information before submitting. We cannot process any submission without a complete and accurate\nn a m e , a d d r e s s , d a t e o f b i r t h a n d s o c i a l s 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\nhaving read and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be\nbound 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\nw 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 A 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\nAccount or other evidence of indebtedness on your Account is your signature on this Agreement.\nArbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers.\nYo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , 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 .\nChanges: The rates, fees and terms of this Agreement may change and we may add or delete any\nt e r m . W e w i l l g i v e y o u a d v a n c e n 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\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n5/19\n\n\x0c2/5/2020\n\nDisclosures\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\nyou, or someone you authorize, to 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 ;\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\nAdvances, 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\nbusiness day of the calendar month.\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\nother person contractually liable under this Agreement.\n\nU s i n g Yo u r A c c o u n t\nYo u r\nAgreement\nUse of Account\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\npay us for all amounts due on your Account, including charges made by Authorized\nU 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 t r a n s a c t i o n s .\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\nyour Card has the logo of one of our network providers (e.g., Visa and Mastercard),\nyou may use your Account to make Cash Advances.\n\nAuthorized\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\n\nUsers\n\ncancel the authority of an Authorized 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\nthe entire amount owed. Any notice we send to either of you will serve as notice to\nboth of you.\n\nCredit\nAuthorizations\n\nWe may decline to authorize a transaction for any reason. We will not be liable to\nyou if we do or if anyone refuses 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\nor limits. If you do not, you must still pay us. We may change your credit limit or\nlimits at any time, without notice.\n\nPromotional\n\nWe may offer special financing terms, such as deferred interest, waived interest,\n\nCredit Plans\n\nlow APR or equal payment options. The Credit Plan or Plans will be subject to the\nterms of the offer and this Agreement.\n\nElectronic\n\nApplications (apps) on electronic devices (such as mobile wallets) can store your\n\nAccess\n\nCard and be used to get credit under this Agreement. Such transactions are\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n6/19\n\n\x0c2/5/2020\n\nDisclosures\n\ncovered by this Agreement. Apps may have separate terms of use. We are not\nresponsible 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\nWe add the applicable Margin specified in the Rate Information chart on the\nS u m m a r y t o t h e P r i m e R a t e t o d 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\ndecrease when the Prime Rate changes but will not exceed any Maximum APR\nVa r i a b l e A P R s\n\nspecified in the Rate Information chart.\nAny APR change will take effect on the first day of the billing period that begins\nafter the Prime Rate changes. Increased APRs will increase your interest charges\nand may increase your Minimum Payment.\n\nDaily Balance\n\nWe calculate interest for each Credit Plan each day by applying the applicable daily\n\nMethod\n\nperiodic rate to the daily balance. The daily periodic rate is the APR for the Credit\n\n(including\n\nPlan divided by 365.\n\ncurrent\ntransactions)\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\ntransaction fees to the same Credit Plan as the transaction. We add all other fees\nto the regular purchase Credit Plan.\nWe subtract new credits and payments from the applicable Credit Plan and make\nother adjustments to get the partial daily balance.\nWe multiply the partial daily balance by the daily periodic rate to get the daily\ninterest.\nWe add the daily interest to the partial daily balance to get the daily balance. This\nresults in daily compounding of interest.\nWe add all the daily interest to get the total interest for the Credit Plan for the\nbilling period. For a Deferred Interest 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\nadded to the daily balance until 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\nnot have a Previous Balance, or if you paid the New Balance on your previous\nstatement by the Due Date on that statement, we will not charge interest on new\nregular 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\nNew Balance in full each billing period, then, depending on how we apply your\npayment, you may not get a Grace Period on new regular purchases.\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\nthe promotional period. After the promotional period, any remaining balance is\nadded to the regular purchase balance and is subject to interest at the then-current\nrate for regular purchases.\nDeferred Interest Credit Plan: Interest accrues on plan balances from the\ntransaction date. We do not impose that interest if you pay the balance in full by\nthe end of the promotional period. After the promotional period, any remaining\nbalance and interest from the transaction date is added to the regular purchase\nbalance and is subject to interest at the then-current rate for regular purchases.\n\nPayments\nPayment\n\nWe credit payments in accordance with the terms on your statement. Review your\n\nInstructions\n\nstatement for details.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n7/19\n\n\x0c2/5/2020\n\nDisclosures\n\nPay in U.S. dollars, in funds on deposit in the U.S. If you don\xe2\x80\x99t, we may refuse\nyour payment or charge you our costs to collect the funds.\nHow We Apply\n\nWe apply payments up to the Minimum Payment at our discretion, which may result\n\nPayments\n\nin balances at lower APRs being paid first and higher interest charges. Payments\no v e r t h e M i n i m u m P a y m e n t w i l l b e a p p l i e d i n a c c o r d a n c e w 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\naffiliate;\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\nu s a n y i n f o r m a t i o n w e d e e m n e c e s s a r y.\nIf you are in default, we may declare the entire balance immediately due and\npayable without notice.\n\nCollection\n\nIf we use an attorney to collect your Account, we may charge you our costs if and\n\nCosts\n\na s p e r m i t t e d b y l a w. T h e s e m a y i n c l u d e r e a s o n a b l e a t t o r n e y s \xe2\x80\x99 f e e s a n d c o u r t c o s t s .\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\nl a w. R e v i e w o u r P r i v a c y S t a t e m e n t f o r d e t a i l s a b o u t o u r i n f o r m a t i o n s h a r i n g\npractices.\n\nCredit\n\nWe may check your credit, employment and income records in connection with an\n\nReporting\n\napplication, update, renewal or extension of credit on your Account (including\nc 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 o b t a i n i n g s u c h r e c o r d s\nby submitting an application or solicitation. Upon request, we will tell you the name\nand address of any credit reporting agency that furnished a report on you. We may\nreport Account status and payment history to credit reporting agencies, other\ncreditors and the company whose name or brand appears on your Card.\n\nUnauthorized\n\nNotify us immediately at the General mailing address or phone number in the How\n\nUse\n\nto Contact Us section of the Summary and assist us in our investigation if your\nCard is lost or stolen or you believe someone is using your Card without your\npermission.\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\n\nAccount\n\nowed under this Agreement. We may close, suspend or not renew your Account at\nany time, for any reason, without notice.\n\nForeign\n\nIf applicable, transactions in foreign currency are converted to U.S. dollars by our\n\nTr a n s a c t i o n s\n\nnetwork providers (e.g., Visa and Mastercard) using their procedures in effect when\nt 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 g o v e r n m e n t - m a n d a t e d o r\nwholesale rate. These procedures may change without notice.\nThe conversion rate you get may differ from the rate on the transaction or post\ndate and from the rate our network provider gets. A third party may convert a\nt 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 t h e y s e l e c t , b e f o r e\ns 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,\nw e c h a r g e a f e e i n t h e a m o u n t o n t h e S u m m a r y.\n\nConformance\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\n\nwith Law;\nSeverability\n\nc 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 t 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\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n8/19\n\n\x0c2/5/2020\n\nDisclosures\n\ninvalid, the rest shall remain in effect, except as otherwise noted in the Arbitration\nProvision.\nN o Wa i v e r\n\nWe will not lose our rights under this Agreement because we delay or do not\nenforce them.\n\nAssignment\n\nWe may assign any or all of our rights and obligations under this Agreement to a\nt h i r d p a r t y. Yo u m a y n o t a s s i g n a n y o f y o u r r i g h t s o r o b l i g a t i o n s u n d e r t h i s\nAgreement.\n\nNew Jersey\n\nAll provisions of this agreement are valid, enforceable and applicable in New\n\nResidents\n\nJ 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\ncontractors may be monitored or recorded. Inform Authorized Users and persons acting on your behalf\nor 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\ncontractors, including collection agents, to communicate with you in any way to service or collect your\nAccount, 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\nProtocol (VOIP); and\nany email address you provide to us or any other person or company that provides any services in\nconnection 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\nsystems and/or pre-recorded or artificial 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\ni n s t r u m e n t m a r k e d " p a y m e n t i n f u l l " o 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\nS 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 l o s i n g o u r r i g h t s .\nBankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for\nB a n k r u p t c y N o t i f i c a t i o n s o n t h e S 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\nupdating your information on Account Center immediately upon changing your name, email address,\nm 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\ni n E n g l i s h . W e m a y, a t o u r o p t i o n , c 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\nstop communicating with you in non-English languages at any time. While we try to ensure accuracy of\ntranslations, 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\ntranslation, the English version will control.\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\nare a \xe2\x80\x9ccovered borrower\xe2\x80\x9d as defined in the Military Lending Act, which includes eligible active duty\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n9/19\n\n\x0c2/5/2020\n\nDisclosures\n\nmembers 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\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.\nThis 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;\nany application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card\naccount).\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\nfree at 1-866-230-0418 (or at the 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\nattention to Paragraphs:\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\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\n\nWa i v e r\n\nthe event of a lawsuit arising out of or related to this Agreement. This jury\ntrial waiver shall not affect the Arbitration Provision below (including the jury\nt 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\n\nPrior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out\n\nCure\n\no f o r r e l a t e d t o t h i s A 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\nasserting the Claim ("Claimant") shall give the other party ("Defendant") written\nn 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\nwe have in our records (or any updated address you subsequently provide to us).\nAny Claim Notice to us shall be sent by mail to the address for Arbitration Claims\non the Summary (or any updated address we subsequently provide). Any Claim\nNotice you send must provide your name, address and Account number and explain\nt h e n a t u r e o f t h e C l a i m a n d r 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\no 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 t h i r d p a r t y, o t h e r t h a n\na lawyer you have personally retained, may submit a Claim Notice on your behalf.\nThe Claimant must reasonably cooperate in providing any information about the\nClaim that the Defendant reasonably requests.\n\nC. Arbitration\nProvision\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\nP a r a g r a p h C . 1 , R i g h t t o R e j e c t , b 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\nhave a substantial impact on the way you or we will resolve any Claim you or\nwe have against each other now or in the future.\n\n1. Right to\n\nIf you don\xe2\x80\x99t want this Arbitration Provision (and any prior arbitration\n\nReject\n\na g r e e m e n t b e t w e e n y o u a n d u s ( " 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\nmay reject it by mailing us a written rejection notice which gives your name\nand contains a statement that you (both of you, if more than one) reject the\nArbitration Provision of this Agreement. The rejection notice must be sent to\nu s a t t h e a d d r e s s f o r A r b i t r a t i o n R 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\nis only effective if it is signed by you (all of you, if more than one) and if we\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n10/19\n\n\x0c2/5/2020\n\nDisclosures\n\nreceive it within 30 calendar days after the date we first provide you with a\ncredit card agreement or written notice providing you a right to reject this\nA 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 A r b i t r a t i o n P r o v i s i o n w i l l n o t a f f e c t\nany other provision of this Agreement or your ability to obtain credit.\n2. Parties\n\nSolely as used in this Arbitration Provision (and not elsewhere in this Agreement),\nthe terms "we," "us" and "our" mean\na. the issuer of your Card named on the Summary and its successors and/or\nassigns, as well as any parent, subsidiary or affiliate of theirs and their employees,\nofficers and directors (the "Bank Parties"); and\nb. any other person or company that provides any services in connection with this\nAgreement if you assert a Claim against such other person or company at the same\nt 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\nClaims\n\n"Claim" means any claim, dispute or controversy between you and us that in any\nway arises from or relates to this Agreement, the Account, the issuance of any\nCard, any rewards program and/or any prior agreement or account. "Claim" includes\ndisputes 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.\n"Claim" has the broadest possible meaning, and includes initial claims,\ncounterclaims, cross-claims and third-party claims. It includes disputes based on\ncontract, tort, consumer rights, fraud and other intentional torts, constitution,\nstatute, regulation, ordinance, common law and equity (including any claim for\ni n j u n c t i v e o r d e c l a r a t o r y r e l i e f ) . " C l a i m " d 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,\ne 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 p a r t t h e r e o f\n(including, without limitation, the prohibition against class proceedings, private\nattorney general proceedings and/or multiple party proceedings described in\nP a r a g r a p h C . 7 , P r o h i b i t i o n s A g a i n s t C e r t a i n P 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 ) ,\nP 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 a\nc 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\nconcerns the validity or enforceability of the Agreement as a whole is for the\na 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\n\nArbitration may be elected by any party with respect to any Claim, even if that\n\nArbitration\n\nparty has already initiated a lawsuit with respect to a different Claim. Arbitration is\ns t a r t e d b y g i v i n g a w r i t t e n d e m a n d f o r a r b i t r a t i o n t o t h e o t h e r p a r t y. W e w i l l n o t\ndemand to arbitrate an individual Claim that you bring against us in small claims\nc o u r t o 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 ,\nremoved or appealed to a different court, we then have the right to demand\narbitration.\n\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,\n2 1 s t F l o o r, N e w Yo r k , N Y 1 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\nF 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 c o m p a n y s e l e c t e d b y\nmutual agreement of the parties. If both AAA and JAMS cannot or will not serve\nand the parties are unable to select an Administrator by mutual consent, the\nAdministrator will be selected by a court. The arbitrator will be appointed by the\nA 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, t h e\narbitrator must be a retired or former judge or a lawyer with at least 10 years of\ne x p e r i e n c e . Yo u g e t t o s e l e c t t h e A d m i n i s t r a t o r i f y o u g i v e u s w r i t t e n n o t i c e o f y o u r\nselection with your notice that you are electing to arbitrate any Claim or within 20\nd 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 y o u\ndispute our right to require arbitration of the Claim, within 20 days after that\ndispute is finally resolved). If you do not select the Administrator on time, we may\nd o i t . N o t w i t h s t a n d i n g a n y l a n g u a g e i n t h i s A r b i t r a t i o n P r o v i s i o n t o t h e c o n t r a r y, n o\narbitration may be administered without the consent of all parties to the arbitration,\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n11/19\n\n\x0c2/5/2020\n\nDisclosures\n\nby any Administrator that has in place a formal or informal policy that is\ni n c o n s i s t e n t w i t h t h e C l a s s A c t i o n Wa i v e r.\n6. Court and\n\nIf you or we elect to arbitrate a Claim, you will not have the right to pursue\n\nJ u r y Tr i a l s\n\nthat Claim in court or have a jury decide the Claim. Also, your ability to obtain\n\nProhibited;\nOther\n\ninformation from us is more limited in arbitration than in a lawsuit. Other\nrights that you would have if you went to court may also not be available in\n\nLimitations on\n\narbitration.\n\nLegal Rights\n7. Prohibition\nAgainst Certain\nProceedings\n\nIf you or we elect to arbitrate a Claim:\na. neither you nor we may participate in a class action in court or in classwide arbitration, either as a plaintiff, defendant or class member;\n\n(Class Action\nWa i v e r )\n\nb. neither you nor we may act as a private attorney general in court or in\narbitration;\nc. Claims brought by or against you may not be joined or consolidated with\nClaims brought by or against any other person; and\nd. the arbitrator shall have no power or authority to conduct a class-wide\narbitration, private attorney general arbitration or multiple-party arbitration.\n\n8. Location and\n\nAny arbitration hearing that you attend must take place at a location reasonably\n\nCosts\n\nconvenient to you. We will pay any and all fees of the Administrator and/or the\narbitrator if applicable law requires us to, if you prevail in the arbitration or if we\nmust bear such fees in order for this Arbitration Provision to be enforced. If you\ndemand an arbitration, we will pay your reasonable attorneys\xe2\x80\x99 and experts\xe2\x80\x99 fees if\nyou prevail or if we must bear such fees in order for this Arbitration Provision to\nbe enforced. Also, we will bear any fees if applicable law requires us to.\n\n9. Governing\n\nThis Arbitration Provision involves interstate commerce and is governed by the\n\nLaw\n\nF e d e r a l A r b i t r a t i o n A c t , 9 U . S . C . \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\nl 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 c o n s i s t e n t w i t h t h e FA A\na 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\nif the action were pending in court (including, without limitation, punitive damages,\nwhich shall be governed by the Constitutional standards employed by the courts). At\nt 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.\n\n10. Discovery\n\nIn addition to the parties\xe2\x80\x99 rights to obtain discovery pursuant to the arbitration rules\no f t h e A d m i n i s t r a t o r, e i t h e r p a r t y m a y s u b m i t a w r i t t e n r e q u e s t t o t h e a r b i t r a t o r t o\nexpand the scope of discovery normally allowable under the arbitration rules of the\nA 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\nAppeals\n\nJudgment upon the arbitrator \xe2\x80\x99s award may be entered by any court having\njurisdiction. The arbitrator \xe2\x80\x99s decision is final and binding, except for any right of\na 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 f i n d i n g ,\naward or judgment from an arbitration of any Claim shall apply only to that\narbitration. No finding, award or judgment from any other arbitration shall impact\nthe arbitration of any Claim.\n\n12.\n\nThis Arbitration Provision shall survive the repayment of all amounts owed under\n\nInterpretation\n\nthis Agreement, the closing of the Account, any legal proceeding and any\nb 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 t h e e v e n t o f\na conflict or inconsistency between this Arbitration Provision and the applicable\narbitration rules or the other provisions of this Agreement, this Arbitration Provision\nshall govern. This Arbitration Provision replaces any Prior Arbitration Agreement.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n12/19\n\n\x0c2/5/2020\n\n13. Severability\n\nDisclosures\n\nIf any portion of this Arbitration Provision is held to be invalid or unenforceable,\nthe remaining portions shall nevertheless remain in force, subject to two exceptions.\nF i r s t , i f a d e t e r m i n a t i o n i s m a d e t h a t t h e C l a s s A c t i o n Wa i v e r i s u n e n f o r c e a b l e , a n d\nthat determination is not reversed on appeal, then the Arbitration Provision shall be\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\nC l a i m m a y p r o c e e d n 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\nis not reversed on appeal, then the public injunctive relief Claim will be decided by\na court, any individual Claims will be arbitrated, and the parties will ask the court\nto stay the public injunctive relief Claim until the other Claims have been finally\nconcluded.\n\n14. Special\n\nThe arbitrator shall award you at least $5,100 (plus any fees and costs to which\n\nPayment\n\nyou are entitled) if:\na. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure,\nabove on your own behalf (and not on behalf of any other party);\nb. we refuse to provide you with the relief you request before an arbitrator is\nappointed; and\nc. an arbitrator subsequently determines that you were entitled to such relief (or\ngreater 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\nSummary\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.\nDescription 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.\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\nthe 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\nrequired to investigate any potential errors 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\nt e l l y o u i f w e h a v e a l r e a d y c 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\nbelieve the bill is correct.\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\non that amount.\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n13/19\n\n\x0c2/5/2020\n\nDisclosures\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\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\nrelated to that amount.\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\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\nt e l l i n g u s t h a t y o u s t i l l r e f u s e t o p 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\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou 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\nquestion 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\nyou have tried in good faith to correct the problem with the merchant, you may have the right not to\npay 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\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou 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\nAT M o r w i t h a c h e c k t h a t a 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\nw r i t i n g a t t h e a d d r e s s f o r B i l l i n g E r r o r s o 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\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you\nd 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\nand Interest\nCharges\nAnnual Percentage\nRate (APR) for\nPurchases\n\nPrime Rate plus\n\n19.74%, 14.74%,\n\nor\n\n10.74%,\n\nbased upon\n\nyour creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n14/19\n\n\x0c2/5/2020\n\nAPR for Balance\n\nDisclosures\n\n26.99%\n\nTr a n s f e r s\nAPR for Cash\n\nPrime rate plus 22.74%\n\nAdvances\nPaying Interest\n\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\nperiod. We will not charge you interest on purchases if you pay your\nentire balance by the due date each month. We will begin charging\ninterest on balance transfers and cash advances on the transaction\ndate.\n\nMinimum Interest\n\nIf you are charged interest, the charge will be no less than $2 per\n\nCharge\n\ncredit plan.\n\nFees\nAnnual Fee\n\nNone\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\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\n\n\xe2\x80\xa2 Cash Advance\n\ng r e a t e r.\n\n\xe2\x80\xa2 Foreign\n\nEither $5 or 3% of the amount of each cash advance, whichever is\n\nTr a n s a c t i o n\n\ng r e a t e r.\n3% of each transaction in U.S. dollars.\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\n\nWe use a method called "daily balance."\n\nComputation\nMethod\n\nFinancial Privacy Policy\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\nINFORMATION?\n\nWhy?\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n15/19\n\n\x0c2/5/2020\n\nDisclosures\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to\nlimit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your\npersonal information. Please read this notice carefully to understand what we do.\n\nWhat?\nThe types of personal information we collect and share depend on the product or service you have with us. This\ninformation can include:\nSocial Security number and income\nAccount balances and transaction history\nCredit history and credit scores\n\nHow?\nAll financial companies need to share customers\' personal information to run their everyday business. In the\ns 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 c a n s h a r e t h e i r 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 h e\nreasons Comenity chooses to share; and whether you can limit this sharing.\n\nReasons we can share your personal information\nFor our everyday business purposes-such as to process your transactions, maintain your account(s), respond\nto court orders and legal investigations, or 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\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n16/19\n\n\x0c2/5/2020\n\nDisclosures\n\nYe s\n\nNo\n\nFor our affiliates\' everyday business purposes-information about your creditworthiness\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\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 .\nW 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 t o s h a r e y o u r i n f o r m a t i o n a s d e s c r i b e d i n t h i s n o t i c e .\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?\nCall 1-866-423-1097\n\nWho we are\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n17/19\n\n\x0c2/5/2020\n\nDisclosures\n\nWho is providing this notice?\nThis privacy notice is provided by the Comenity family of companies, including Comenity Bank and Comenity\nCapital Bank.\n\nWhat we do\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\nw 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 s a f e g u a r d s a n d s e c u r e d f i l e s a n d b u i l d i n g s .\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\nState laws and individual companies may give you additional rights to limit sharing. See below for more on\ny o u r r i g h t s u n d e r s t a t e l a w.\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\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,\nComenity Capital Bank, and other Comenity entities; nonfinancial companies such as Alliance Data, and\nLoyaltyOne.\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,\nand nonprofit organizations.\n\nhttps://d.comenity.net/caesarsrewardsvisa/pub/requestCca/requestCca.xhtml\n\n18/19\n\n\x0c2/5/2020\n\nDisclosures\n\nJoint marketing\nA formal agreement between nonaffiliated financial companies that together market financial products or\nservices to you.\nOur joint marketing partners may include lenders and insurance companies.\n\nOther important information\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\n19/19\n\n\x0c'