To apply you must:

Be at least 18 years of age.
Be a U.S. resident residing in the United States.
Have a U.S. Social Security Number.
Have a major credit card or other established credit history
Have a street, rural route or APO/FPO mailing address (no PO Box addresses)
Have a valid government-issued photo ID

Home Phone Number and Work Phone Number:
By providing your contact information above, you agree to be contacted regarding your account via text message or
telephone,  including  the  use  of  pre-recorded  or  auto-dialed  calls.  Standard  mobile,  message,  or data rates may
apply.
Email Address 
By  providing  your  email  address,  you  consent  to  receive  commercial  emails from World Financial Capital Bank
(WFCB)  for  solicitation,  advertising  and  promotional  offers  related  to  your  Ideal Image®.Credit Card Account.
You also consent for WFCB to share your email address with Ideal Image®.for service and product offers.
Authorized User:  He/She  is  allowed  to  purchase  on  your  account,  however as the primary account holder you are
responsible  for  payments  on  all  purchases.  Let  me  assure  you,  account  details  will  not  be discussed with any
authorized buyer, unless you give permission to WFCB do so.
*Subject to credit approval.
I/we  also  represent  that  I/we  am/are  at  least  18  years  of  age  and  that  the  information  I/we have supplied on this
application is true and correct. I/we agree that I/we am applying to WFCB for an Ideal Image® credit card account
for  personal,  family  or  household  use.  I/we  agree  that  a  credit  report  may  be  obtained and used in making the
credit granting decision. I/we agree to be bound by the terms of the Credit Card Agreement and acknowledge that
I/we  will  receive  a  Credit  Card  Agreement  upon  approval  and  understand  that  I/we  may  pay  all  of  my  account
balance at any time without penalty. Finally, I/we agree that this application and any information I/we submitted to
WFCB may be shared with and retained by Ideal Image®. I/we also agree that WFCB may share information about
my  account  with  Ideal  Image®.  Such  information  may  include,  but  is  not  limited  to,  my  payment history,
delinquency or past due information and default, or charge-off amounts.

Applicant's  18  to  21  years of age:  By  submitting  this  application  and  signing  below  for  credit to WFCB, I certify
that I have the ability to make a minimum initial repayment (if approved for this account), of up to $25 per month.
Applicant's 
Signature: 
Date:_______________________________

__________________________________________________

NOTICE: By submitting this application, I /we also agree that this application and any information I/we submitted
with it may be forwarded to other creditors. I/we understand that any offer of credit from such other creditors will
be  independent  of  WFCB  and  may  include  different  terms  and  conditions,  including  rates  and fees, than those
disclosed by WFCB. Ideal Image® or the other creditors, not WFCB, will provide me any required disclosures from
such other creditors. I/we further agree that such other creditors may obtain a credit report and use it in making a
credit decision.
Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
Purchases

Penalty APR and
When it applies

Paying Interest

26.99%. This APR will vary with the market based on the Prime Rate.

29.99% 
This APR may be applied to your account if you fail to pay all or part of
your minimum payment due by the payment due date for three consecutive
Billing Periods.
How long will the Penalty APR Apply? If your APR is increased for this
reason, the Penalty APR will apply until such time as any delinquency is
cured and you then make six consecutive payments when due.

Your due date is 25 days after the close of each billing cycle. We will not
charge you interest on purchases if you pay your entire balance by the due
date each month.

Minimum Interest
Charge

If you are charged interest, the charge will be no less than $2.00

For Credit Card Tips
from the Federal
Reserve Board

To learn more about factors to consider when applying for or using a credit
card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.

Fees

Set up and
Maintenance Fees

Annual Fee

None

Penalty Fees

Late Payment

Up to $35

Returned Payment Up to $35

How  We  Will  Calculate  Your Balance:  We  use  a  method  called  "average  daily  balance  (including  new
purchases)."
CHANGES.  We  may  add,  change  or  delete  the  terms  of  your  Credit  Account  and  the  corresponding Credit
Agreement  (including,  but  not  limited  to,  Annual  Percentage  Rate  and  other  significant  changes).  If notice is
required,  it  will  be  mailed  to  you  at  least  forty-five  (45)  days prior to the effective date of the change. Notice may
also include a statement of your right to cancel the account prior to the effective date of the change.
The  information  about  the  costs  of  the  credit  card  account  described  in this application is accurate as of June 29,
2012. This information may have changed after that date. To find out what may have changed and for the current
APR,  please  write  to  World  Financial  Capital  Bank  (WFCB), PO Box 183003, Columbus, OH 43218-3003, see the
cardmailer with your new credit card (if approved) or visit our website at comenity.net/idealimage. You agree that a
credit report may be used in making the credit granting decision.
The Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all  creditworthy
customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each individual upon request.
The Ohio Civil Rights Commission administers compliance with this law. California Residents: If you are married,
you  may  apply  for  a  separate  account. New  York  Residents:  A  consumer  credit  report  may  be  ordered in
connection  with  the  processing  of  an  application,  or  subsequently  with  the  update, renewal or extension of credit.
Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you
will be given the name and address of the consumer-reporting agency that furnished the report. Rhode Island and
Vermont Residents: A consumer credit report may be ordered in connection with the processing of an application,
or  subsequently  for  purposes  of  review  or  collection  of  the  account,  increasing  the  credit  line  on  the  account, or
other  legitimate  purposes  associated  with the account. Wisconsin Residents:  No  provision  of  any marital property
agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70
adversely affects the interest of the creditor, World Financial Capital Bank, unless the Bank, prior to the time credit
is  granted  is  furnished  a  copy  of  the  agreement,  statement  or  decree  or  has  actual knowledge of the adverse
provision when the obligation to the Bank is incurred.

************************************
WORLD FINANCIAL CAPITAL BANK 
IDEAL IMAGE® VIP CREDIT CARD AGREEMENT

This is your Agreement with World Financial Capital Bank (WFCB) for customers of Ideal Image® through
participating Ideal Image® providers. It covers the use of your credit card account with us. This Agreement may
include information about promotional Credit Plans. Any information about such Plans will be included in the form
of an insert, attachment, or other written information provided as part of or with this Agreement. Please read this
Agreement and keep it for your records.
THIS AGREEMENT INCLUDES A JURY TRIAL WAIVER IN PARAGRAPH 30.A. AND AN ARBITRATION
PROVISION IN PARAGRAPH 30.C. IN THE EVENT OF A DISPUTE BETWEEN YOU AND US: (1) THE JURY
TRIAL WAIVER WILL ELIMINATE THE RIGHT TO A TRIAL BY JURY; AND (2) UNLESS YOU ACT

 
 
PROMPTLY TO REJECT IT, THE ARBITRATION PROVISION WILL SUBSTANTIALLY AFFECT YOUR
RIGHTS, INCLUDING YOUR RIGHT TO BRING, JOIN IN OR PARTICIPATE IN CLASS PROCEEDINGS.
1. Definitions.
In this Agreement, “We,” “Us,” and “Our” mean World Financial Capital Bank. “You” and “Your” mean each
person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your
credit card account with us. “Card” means each credit card we issue to you for your Account. “Credit Plan” means
one or more payment program options that Ideal Image® may ask us to offer from time to time. You agree that at
any time for any reason we may reissue a Card to you and/or may ask you to return any or all Cards.
2. Your Promise to Us.
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of you. You will
be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a charge slip, or
if you use or permit someone else to use the credit provided.
Further you understand and agree that:

Bank’s relationship with you is solely one of Account Provider/Accountholder;
Bank is not liable for any negligence or other acts of any Provider of medical goods or services
contemplated under this Account;
Bank is not liable for the quality of any good or service purchased using the Account;
Bank is not affiliated with any provider of medical goods or services;
Bank does not endorse any provider, good or service;
Bank does not provide, nor does its extension of credit constitute, medical or other type of advice or
counsel.

B. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each
of you will be jointly and individually responsible for repaying all amounts due under this Agreement.
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. If
you want to cancel the authorized or permitted use of your Account by another person, you may either write us at
the address or call us at the telephone number shown on your Statement. You must obtain, cut in half and return the
Card in such authorized users possession to us. You understand and agree that we will be unable to determine
whether any particular transaction on your Account has been conducted by you, your joint Account holder or the
authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit.
You agree to pay for all transactions made on your Account by an authorized user whether or not such transactions
were in fact duly authorized by you or made for your benefit.
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be
immediately due and payable, prohibit further transactions on your Account, cancel the Cards, and revoke any
privileges associated with the Card or your Account.
3. Sign the Card.
For your own protection, please sign the Card before using it. Your signature on the Card is not a prerequisite to
your obligation to pay amounts incurred on your Account.
4. Method of Payment.
You may pay your Account by sending your personal check, payable in U.S. dollars, to the name and address shown
on your Statement. Payments are considered received when posted to your Account in the state in which the WFCB
main office is located. You must include your payment stub. Do not send cash. If any payment does not conform to
these requirements, the payment may not be credited to your Account for up to five days, or may be rejected. Any
check marked “payment in full” or with similar terms must be sent to a separate address specified on your
Statement. We can accept such checks or late or partial payments without losing our right to receive the full amount
owing on your Account.
5. Lost or Stolen Card.
If a Card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a Card
without your permission. You may either write us a letter or call us at the address and phone number shown on your
Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the Card
without your permission.
6. Credit Plans.
Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans. We may
offer different promotional Credit Plans from time to time. If a promotional Credit Plan is offered at the time you
open your account, this Agreement will include information about the terms for the Plan (which may include the
Daily Periodic Rate, the ANNUAL PERCENTAGE RATE, and/or the minimum payment amount), by use of an
insert, attachment, or other written information provided as part of or with this Agreement. Normal late payment
charges, returned check charges and all other provisions apply to any promotional Credit Plan unless inconsistent

with a particular Credit Plan offering. The promotional Credit Plan period will end and the promotional Credit Plan
balance will be transferred to your non-promotional Regular Revolving balance if the promotional Credit Plan
purchase is not paid in full before the promotional period ends. The types of Credit Plans offered and the particular
features (including but not limited to minimum purchase requirements, Minimum Payment, etc.) of such Credit
Plans may vary from time to time at our discretion and may include one or more of the following: Regular Revolving
or Promotional Credit Plans. The Regular Revolving Credit Plans are your non-promotional purchases using the
Card. The Promotional Credit Plans may include: Waive Interest, Payment Required; Waive Interest, Equal
Payment; Waive Interest, Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment Required; Defer
Interest, Low Payment; Low APR, Equal Payment; and Budget Pay. (Please see section 14 for explanation for how
Finance Charges are calculated for each Plan.)
7. Skip-Payment Option.
At our sole option, we may allow you to skip making the Minimum Payment on certain Billing Periods. During the
skip-payment period Finance Charges will be assessed but no late fee will be imposed. At the end of the skip-payment
period, all terms of this Agreement that would have applied, were it not for the skip-payment feature, will
automatically resume without notice.
8. Credit Limit.
Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit
limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge
you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement.
We may change your Credit Limit at any time.
9. How to Cancel Your Account.
You may cancel your Account at any time. Cut each Card in half and send us the pieces with a letter telling us you
want to cancel your Account. This includes each Card you gave to others. You still must pay the full amount you owe
us.
10. We Have the Right to Cancel Your Account.
We may cancel your Account at any time for any reason. We also may cancel any of the Credit Plans at any time for
any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if we ask. This includes
each Card you gave to others. You cannot use a Card after we ask you to return it. You still must pay the full
amount you owe us and comply with the terms of this Agreement.
11. Payments; Minimum Payment.
You may pay all of your Account balance at any time without penalty. You must pay us at least the
Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement. The Minimum
Payment will be the total of the minimum payments for the Regular Revolving and Promotional Credit Plans (as
described above in Section 6), plus any past due amounts. The minimum payments for the Regular Revolving Credit
Plan and the Promotional Credit Plans that require a payment (except for Waive Interest, Equal Payment; Defer
Interest, Equal Payment; Waive Interest, Low Payment; Defer Interest, Low Payment and Budget Pay) will be the
greater of: (a) $5; or (b) 4% (rounded up to the nearest dollar) of the New Balance shown on your Statement for that
Credit Plan. The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment
Credit Plans will be the amount of the purchase divided by the number of months between the date of the purchase
and the promotional period end date (minimum $5) rounded up to the nearest whole dollar. The minimum payment
for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated finance
charges that will be assessed from the date of purchase through the end of the promotional period divided by the
number of months between the date of the purchase and the promotional period end date (minimum $5) rounded up
to the nearest whole dollar. The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low
Payment will be the greater of: (a) $5 or (b) 1% (rounded up to the nearest dollar) of the New Balance shown on your
Statement for that Credit Plan. However, the total minimum payment due on your account will not be less than
$25.00. If your Account balance is less than $25.00 you must pay your Account balance in full. Your Statement will
tell you how much your Minimum Payment must be. The minimum payment for the Budget Pay Credit Plans is a
predetermined payment amount solely based on the purchase amount. The payment associated with the Budget Pay
Plan will determine the length of the payment period. Your Statement will tell you how much your Minimum
Payment must be.
12. Application of Payments. We reserve the right to apply payments equal to or less than the required minimum
amount in a manner of our choosing, which may result in balances subject to lower interest rates being paid prior to
other balances. This may result in higher interest charges. Any payment you make in excess of the required
Minimum Payment Due will be allocated to your Account as required by applicable law. However, excess payments
received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in
the last two billing cycles of the promotional period.

13. Statements; Billing Periods.
If your Account has a balance, we will send you a Statement at the end of each Billing Period. We send only one
Statement for your Account. The Statement will show your: Statement Closing Date, Previous Balance, Payments and
Credits, Charges, Finance Charge, Payment Due Date, New Balance and Minimum Payment. Billing Period means
the days between the closing date shown on the last Statement we sent you and the closing date on your current
Statement. We may change your Billing Period as permitted by law at any time for our own convenience.
14. Finance Charges.
A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in any Billing
Period in which (i) there is no Previous Balance or (ii) payments received and credits issued by the Payment Due
Date, which is 25 days after the Statement Closing Date shown on your last Statement, equal or exceed the Previous
Balance. If the New Balance shown on your last Statement is not satisfied in full by the Payment Due Date shown on
your last Statement, there will be a Finance Charge on each purchase from the date of purchase.
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment Required;
Waive Interest, Equal Payment; and Waive Interest, Low Payment, we will not charge Finance Charges on the
purchase if you pay the total amount of the purchase before the end of the promotional period. If you do not pay the
total amount of the purchase before the end of the promotional period, we will add the amount of the purchase to
your Regular Revolving balance and will begin to charge Finance Charges on the purchase from the first day after
the promotional period ends. For any Waive Interest Plan that ends, we will add the remaining amount of the plan to
your Regular Revolving balance and will begin to charge Finance Charges.
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment; or Defer Interest,
Low Payment Credit Plan, we will add the amount of Finance Charges that have accrued from the date of purchase
through and including the last day of the promotional period to your Regular Revolving balance if you do not pay the
total amount of the purchase before the end of the promotional period. For any Defer Interest Plan that ends, we will
add the remaining amount of the plan and the amount of Finance Charges that have accrued from the date of
purchase through and including the last day of the promotional period to your Regular Revolving balance.
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, we use a
"Daily Balance" to figure Finance Charges on your Account. This is how we figure the "Daily Balance" each day:
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees).
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments posted as of
that day. This gives us the "Partial Daily Balance" for the day.
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to obtain the
"Daily Finance Charge" for the day and add it to the day's Partial Daily Balance. This gives us the "Daily Balance",
which will be the beginning balance for the following day.
At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge for each day in the
Billing Period to get the total Account Finance Charge for the Billing Period. 
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for each day in
the Billing Period divided by the number of days in the Billing Period.
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 23.74% to
the value of an "Index," and dividing by 365 (The corresponding ANNUAL PERCENTAGE RATE will be the Index
plus 23.74%). The Index in effect for each Billing Period shall be the highest “Prime Rate” of interest as published in
the “Money Rates” section of The Wall Street Journal for the calendar month preceding the month in which the
Billing Period begins, rounded upward, if necessary, to the nearest .001% (“Index”). An increase or decrease in the
Annual Percentage Rate will result in a corresponding increase or decrease in the amount of Finance Charge and
may increase the amount of your minimum payment due.
The Daily Periodic Rate of FINANCE CHARGE applicable to your Account for Low APR, Equal Payment Credit
Plan purchases is 0.04928% (corresponding ANNUAL PERCENTAGE RATE of 17.99%).
The Daily Periodic Rate of FINANCE CHARGE applicable to your Account for Budget Pay Credit Plan purchases is
0.04928% (corresponding ANNUAL PERCENTAGE RATE of 17.99%).
E. We will charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period in which a
Finance Charge is due.
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If this
Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of FINANCE
CHARGE and corresponding ANNUAL PERCENTAGE RATE are indicated on the Cardmailer and are incorporated
herein by reference. As of June 29, 2012, the initial Daily Periodic Rate of FINANCE CHARGE was 0.07394%, and
the corresponding initial ANNUAL PERCENTAGE RATE was 26.99%. This information may have changed after that
date. To find out about changes in the information, call us at 1-866-490-9888 (TDD/TTY 1-888-819-1918) or write us
at World Financial Capital Bank, PO Box 183003, Columbus, OH 43218-3003.

G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 11) by the
Payment Due Date shown on your Statement for two consecutive Billing Periods, we may apply a penalty Annual
Percentage Rate ("Penalty Rate") to the existing balance of your Account and to all new purchases. We will provide
you notice of this rate increase, when it will apply to your account, and for how long it will apply to your account, as
required by applicable law. The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate will be computed by
adding 26.74% to the value of an “Index,” and dividing by 365 (corresponding ANNUAL PERCENTAGE RATE will
be the Index plus 26.74%). The Index in effect for each Billing Period shall be the highest “Prime Rate” of interest as
published in the “Money Rates” section of The Wall Street Journal for the calendar month preceding the month in
which the Billing Period begins, rounded upward, if necessary, to the nearest .001% (“Index”). An increase or
decrease in the Annual Percentage Rate will result in a corresponding increase or decrease in the amount of Finance
Charge. As of June 29, 2012 the Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate was 0.08216%, and
the corresponding ANNUAL PERCENTAGE RATE was 29.99%. To find out about changes in the information, please
contact us at the information provided in Section 31. The Penalty Rate will apply to your Account until such time as
any delinquency is cured and your account is kept in a current and satisfactory status for six (6) consecutive billing
periods. On the seventh billing period the Penalty Rate will no longer apply and your Account will be subject to the
Daily Periodic Rate of Finance Charge and corresponding Annual Percentage Rate as described above in Section
14D. If you fail to make your required minimum monthly payments during the Penalty period, the Penalty Rate will
continue to apply. Your monthly statement will disclose the applicable Penalty Rate for the Billing Period and are
incorporated herein by reference.
15. Other Fees and Charges. 
You agree to pay (as interest) the following fees and charges:
A. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least the
Minimum Payment Due for each Billing Period or if we receive your payment after the Payment Due Date shown on
your Billing Statement.
B. Returned Check Fee. We can charge you up to $35.00 for each check your bank returns to us for any reason.
Although we may, we do not have to attempt to collect any check more than once.
C. Document Fee. If a copy of any Statement, sales draft or similar document is provided by us at your request
(except in connection with billing error inquiries or resolution), we may charge the Account the following fee(s):

Statement copy - $6.00
Sales/Credit Draft copy - $6.00
Check/Money Order copy - $6.00

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow you to make
individual, expedited payments to your Account over the telephone or through the internet. If you choose to use one
of those payment methods, then we may assess the then current fee that we charge for this service. At present, that
fee is up to $15.00, but it may change. We will disclose the current fee to you (you may withdraw your request if you
do not want to pay the fee) before you authorize any payment(s) through either of these alternative methods.
16. Immediate Payment.
We may tell you to pay the full amount you owe at once if you do not pay at least the Minimum Payment each time
you receive a Statement. We will tell you in advance and/or give you an opportunity to cure your default only if
applicable law requires us to do so.
17. Attorney Fees and Collection Costs.
As permitted under applicable law, you agree to pay the reasonable costs for collecting amounts due, including
reasonable attorney's fees and court costs by us or by another person or entity.
18. Changes.
We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate and
other significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the
effective date of the change. Notice may also include a statement of your right to cancel the account prior to the
effective date of the change.
19. Security Interest.
You grant us a security interest in all goods that you purchase through the use of the Account now or at any time in
the future and in all accessions to and proceeds of such goods. We hereby waive any security interest we may have in
your principal dwelling to the extent that it would otherwise secure any obligation arising hereunder.
20. Governing Law.
THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE
ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW.
21. Transfer of Rights/Assignment.
Your rights under this Agreement cannot be transferred by you, by operation of law, or otherwise, but your

obligations shall be binding upon your estate or personal representatives. We may transfer or assign your Account
and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without
prior notice to you or your consent.
22. No Waiver of Rights.
We can delay enforcing our rights under this Agreement without losing them.
23. Severability.
If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified
to conform with applicable law.
24. Credit Reports.
You hereby authorize us to investigate your credit record. You agree that a credit report may be requested in
connection with the processing of an application for credit, and subsequently in connection with any extension of
credit, or any request to increase your credit limit, or any renewal or update of your Account, or to take collection
action on the Account, or to investigate disputes regarding the Account. If you ask, we will tell you if credit reports
were requested, and the name and address of any credit bureaus that provided the reports. You understand that we
may report negative information about your account to the credit bureaus. Late payments, missed payments, or other
defaults on your account may be reflected in your credit report. You hereby authorize us to furnish information
concerning your Account to credit bureaus and other creditors, as well as to the retailer whose name appears on your
Card.
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting agency is
inaccurate, you may write to us at the address provided on the credit report from the consumer reporting agency.
Your written dispute must provide sufficient information to locate the account and why you believe the information is
inaccurate. If available, provide a copy of the section of the credit report showing the account information you are
disputing.
25. Credit Insurance (as applicable).
Credit insurance is not required. If you have been accepted for credit insurance coverage, the premium charge will be
added to your Account as a purchase on the last day of each Billing Period.
26. Debt Cancellation (as applicable). 
Your Purchase of Account Assure is optional. Whether or not you purchase Account Assure will not affect your
application for credit or the terms of any existing credit agreement you have with World Financial Capital Bank. The
monthly fee for Account Assure is based on the outstanding monthly balance on your account each month and will be
added to your account statement. We will give you additional information before you are required to pay for Account
Assure. This information will include a copy of the contract containing the terms and conditions governing Account
Assure. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits
under Account Assure. You should carefully read the contract for a full explanation of the terms of Account Assure.
27. Communication Regarding Account. 
Until your Account is finally settled, you give direct consent to us, any servicers, and any collectors of your account,
to communicate with you regarding your account through various means, such as 1) any cell, landline, or text
number that you provide, or use to contact us, 2) any email address that you provide to us or one of our merchants,
3) auto dialer systems, 4) recorded messages, and other forms of communications. Further, you agree that any such
communications are not unsolicited for purposes of any state or federal law. You understand that this may result in
additional mobile, text message, or data charges.
28. Telephone Monitoring.
As part of our continuing effort to maintain a high quality of service to our customers, telephone communications
with you may be monitored and recorded. You agree that monitoring and/or recording may be done and that no
additional notice to you or additional approval from you is needed. Please inform all persons authorized to use this
account, those acting on your behalf, or anyone making payments on this account, of this provision.
29. Customer Changes.
You must tell us at once if you change your name, address or employment.
30. Dispute Resolution Provisions.
A. Jury Trial Waiver. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO
TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT.
THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING
THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS
WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
B. Notice and Cure. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or
related to this Agreement (as further defined below, a “Claim”), the party asserting the Claim (the “Claimant”) shall
give the other party (the “Defendant”) written notice of the Claim (a “Claim Notice”) and a reasonable opportunity,

not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in
our records (or any updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to
World Financial Capital Bank, PO Box 182436, Columbus, OH 43218-2436 (or any updated address we subsequently
provide). Any Claim Notice you send must provide your name, address and account number. Any Claim Notice must
explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own
behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may
submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in providing any information about
the Claim that the other party reasonably requests.
C. Arbitration Provision. READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT
THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH 30.C.1. BELOW, IT WILL BE
PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE
WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE
FUTURE.
1. Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration agreement between
you and us (“Prior Arbitration Agreement”)) to apply, you may reject it by mailing us a written rejection notice
which gives the name of each Cardholder and contains a statement that you (both of you, if more than one) reject the
Arbitration Provision of this Agreement. The rejection notice must be sent to us at World Financial Capital Bank,
PO Box 182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if
more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit
card agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this
Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.
2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement),
the terms “we,” “us” and “our” mean (a) World Financial Capital Bank, any parent, subsidiary or affiliate of the
Bank and the employees, officers and directors of such companies (the “Bank Parties”); and (b) any other person or
company that provides any services in connection with this Agreement if you assert a Claim against such other
person or company at the same time you assert a Claim against any Bank Party.
3. Covered Claims: “Claim” means any claim, dispute or controversy between you and us that in any way arises from
or relates to this Agreement, the Account, the issuance of any Card, any rewards program, any prior agreement or
account. “Claim” includes disputes arising from actions or omissions prior to the date any Card was issued to you,
including the advertising related to, application for or approval of the Account. “Claim” has the broadest possible
meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based
upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance,
common law and equity (including any claim for injunctive or declaratory relief). It also includes disputes about the
validity, enforceability, arbitrability or scope of this Arbitration Provision or this Agreement. However,
notwithstanding any language in this Arbitration Provision to the contrary, “Claim” does not include any dispute
about the validity, effect or enforceability of the prohibitions against class proceedings, private attorney general
proceedings and/or multiple-party proceedings described in Paragraph 30.C.7. (the “Class Action Waiver”) or any
dispute concerning the last sentence of Paragraph 30.C.13.; any such dispute shall be resolved by a court and not by
an arbitrator or Administrator.
4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if that party has
already initiated a lawsuit with respect to a different Claim. Arbitration is started by giving a written demand for
arbitration to the other party. We will not demand to arbitrate an individual Claim that you bring against us in small
claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a
different court, we then have the right to demand arbitration.
5. Choosing the Administrator: "Administrator" means the American Arbitration Association ("AAA"), 1633
Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS is at 620 Eighth Avenue, 34th Floor, New York,
NY 10018, www.jamsadr.com; or any other company selected by mutual agreement of the parties. If both AAA and
JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the
Administrator will be selected by a court. The arbitrator will be appointed by the Administrator in accordance with
the rules of the Administrator. However, the arbitrator must be a retired or former judge or a lawyer with at least 10
years of experience. You get to select the Administrator if you give us written notice of your selection with your
notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to
arbitrate any Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute
is finally resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any language in this
Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the
arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent with the Class
Action Waiver.

6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE
A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY
DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN
AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO
COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
7. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER
YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION,
EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A
PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR
AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST
ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO
CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR
MULTIPLE-PARTY ARBITRATION.
8. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a location
reasonably convenient to you. We will pay any and all fees of the Administrator and/or the arbitrator if applicable
law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this Arbitration
Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys' and experts' fees if
you prevail or if we must bear such fees in order for this Arbitration Provision to be enforced. Also, we will bear any
fees if applicable law requires us to.
9. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the Federal
Arbitration Act, 9 U.S.C. §§ 1-16 (the "FAA"), and not by any state arbitration law. The arbitrator must apply
applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege
recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the
action were pending in court (including, without limitation, punitive damages, which shall be governed by the
Constitutional standards employed by the courts). At the timely request of either party, the arbitrator must provide a
brief written explanation of the basis for the award.
10. Right to Discovery: In addition to the parties' rights to obtain discovery pursuant to the arbitration rules of the
Administrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally
allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant or deny that
request.
11. Arbitration Result and Right of Appeal: Judgment upon the arbitrator's award may be entered by any court
having jurisdiction. The arbitrator's decision is final and binding, except for any right of appeal provided by the
FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive or declaratory relief
that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after
the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the
Administrator. The panel shall reconsider anew any aspect of the initial award requested by the appealing party. The
decision of the panel shall be by majority vote. Reference in this Arbitration Provision to "the arbitrator" shall mean
the panel if an appeal of the arbitrator's decision has been taken. The costs of such an appeal will be borne in
accordance with Paragraph 30.C.8. above.
12. Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts owed under this
Agreement, the closing of the Account, any legal proceeding and any bankruptcy to the extent consistent with
applicable bankruptcy law. In the event of a conflict or inconsistency between this Arbitration Provision, on the one
hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, this
Arbitration Provision shall govern. This Arbitration Provision replaces any Prior Arbitration Agreement.
13. Severability: If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid
or unenforceable, the remaining portions shall nevertheless remain in force. If a determination is made that the Class
Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain in force and the
remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver
shall be subject to appeal.
14. Special Payment: If (1) you submit a Claim Notice in accordance with Paragraph 30.B. on your own behalf (and
not on behalf of any other party); (2) we refuse to provide you with the relief you request; and (3) an arbitrator
subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at
least $5,100 (plus any fees and costs to which you are entitled).
31. Customer Service. For customer service, you can call toll-free: 1-866-490-9888 (TDD/TTY 1-888-819-1918).
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the following: Ideal
Image® and such other retailers as we may determine from time to time by notifying you via electronic mail,
statement message, posting on a website or such other method as we may determine. We reserve the right not to

honor particular transactions, which may include, without limitation, transactions related to gambling, ATM usage at
casinos (if applicable through this program), and illegal activities.
Notice(s):
For Wisconsin Residents.
If you are married, please contact us immediately upon receipt of this Agreement at 1-866-490-9888 (TDD/TTY 1-
888-819-1918) and provide us with the name and address of your spouse. We are required to inform your spouse that
we have opened a credit account for you.
For Bankruptcy Notifications:
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: WFCB,
Bankruptcy Department, PO Box 183043 Columbus, OH 43218-3043.
************************************
Your Billing Rights; Keep This Notice For Future Use.
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing
Act.
Notify Us In Case of Errors or Questions About Your Bill.
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your bill, write us
on a separate sheet at World Financial Capital Bank, PO Box 182620 Columbus, OH 43218-2620. Write to us as soon
as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or
problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
Your name and Account Number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more
information, describe the item you are not sure about.

Your Rights and Our Responsibilities After We Receive Your Written Notice. 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we
must either correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can
continue to bill you for the amount you question, including Finance Charges and we can apply any unpaid amount
against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to any
questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, and you will have to make
up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you
owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation
does not satisfy you, and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we
report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to.
We must tell anyone we report you to that the matter has been settled between us when it finally is.
If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct.
Special Rule For Credit Card Purchases.
If you have a problem with the quality of property or services that you purchased with a credit card and you have
tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining
amount due on the property or services. There are two limitations on this right:
A. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your
current mailing address; and
B. The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the
property or services.
World Financial Capital Bank, a ComenitySM company.
Salt Lake City, Utah

CCA - IDM - (5/12)

Please select Promotional Plan selection by checking the appropriate plan:
___ Defer Interest Regular Min Payment Required
No Interest if paid in full within 6, 12, 18 or 24 months. If the balance is not paid in full in 6, 12, 18 or 24 months
from date of purchase interest will be imposed from the date of purchase at an APR of 26.99%. This APR will vary

and is based on the Prime Rate. Payments are required during the promotional period (as described in your credit
card agreement). Minimum monthly INTEREST CHARGE of $2.00. Purchase must be charged to your Ideal Image
credit card account. Minimum purchase of $499 for 6 months; $999 for 12 months; $1,499 for 18 months and $3,499
for 24 months required.
___ Waive Interest Equal Payment Required
No Interest if paid in full within 36 months. If the balance is not paid in full in 36 months from date of purchase
interest will be imposed from the end of the promotional period on the remaining balance at an APR of 26.99%. This
APR will vary and is based on the Prime Rate. Equal payments are required during the promotional period (as
described in your credit card agreement). Minimum monthly INTEREST CHARGE of $2.00. Purchase must be
charged to your Ideal Image credit card account. Minimum purchase of $3,499 required.
___ Low APR, Equal Payment
17.99% APR if paid in full in 12, 24, 36 or 48 months. If the balance is not paid in full in 12, 24, 36 or 48 months
from date of purchase, the remaining balance will be included in your regular revolving balance and regular credit
terms will apply. Interest will be imposed at an APR of 26.99%. This APR will vary and is based on the Prime Rate.
Payments are required during the promotional period (as described in your credit card agreement). Minimum
monthly INTEREST CHARGE of $2.00. Purchase must be charged to your Ideal Image credit card account.
Minimum purchase of $999 for 12 months; $2,499 for 24 months; $3,499 for 36 months and $4,499 for 48 months
required.
___ Budget Pay w/ payment--$99 / $149 / $199 / $299
When you use your Ideal Image credit card account, Interest is assessed on promotional credit plan purchases from
the date of purchase through the end of the promotional period ($99, $149 or $199 budget pay, minimum purchase of
$799; or $299 budget pay, minimum purchase of $1,499). Payments are required during the promotional period (as
described in your credit card agreement). The Budget Pay purchase will be subject to an APR of 17.99%. Minimum
monthly INTEREST CHARGE of $2.00.

Ideal Image® VIP Credit Card Approval

Congratulations! ____________________________ is approved for an Ideal Image® VIP credit card.
Date: ____________________________
Account Number (MASK ALL BUT LAST 4 DIGITS):_________________________________________
Amount Approved: __________________________
Promotional Plan Selection: _______ months
Annual Percentage Rate: _________ % APR if paid in full within ___________ months
Please check below the applicable Promotional Plan selected by the applicant:
______ Deferred Interest Regular Min Payment Required ______Waive Interest Equal Payment Required
______Low APR Equal Payments ______Budget Pay w/payment - $99/$149/$199/$299

Next Step: Simply have applicant sign, initial and date below. Please give the applicant a copy for his/her records and
retain the original.

Ideal Image® Sales Receipt

Applicant Name: _______________________________________________________________________
Provider Name: ________________________________________________________________________
Provider ID#:__________________________________________________________________________
By initialing here, I verify that I have read and received a copy of the terms and conditions for my Ideal Image® VIP
credit card account.

As named Applicant, I authorized Ideal Image® to remit the above amount to my provider.

Applicant Signature__________________________________________________________ <= PLEASE SIGN
Date___________________ <= PLEASE DATE

Applicant Initial____________ <= PLEASE INITIAL

CUSTOMER COPY

Congratulations! ____________________________ is approved for an Ideal Image® VIP credit card.
Date: ____________________________
Account Number (MASK ALL BUT LAST 4 DIGITS):_________________________________________

Ideal Image® VIP Credit Card Approval

Amount Approved: __________________________
Promotional Plan Selection: _______ months
Annual Percentage Rate: _________ % APR if paid in full within ___________ months
Please check below the applicable Promotional Plan selected by the applicant:
______ Deferred Interest Regular Min Payment Required ______Waive Interest Equal Payment Required
______Low APR Equal Payments ______Budget Pay w/payment - $99/$149/$199/$299

Next Step: Simply have applicant sign, initial and date below. Please give the applicant a copy for his/her records and
retain the original.

Ideal Image® Sales Receipt

Applicant Name: _______________________________________________________________________
Provider Name: ________________________________________________________________________
Provider ID#:__________________________________________________________________________
By initialing here, I verify that I have read and received a copy of the terms and conditions for my Ideal Image® VIP
credit card account.

As named Applicant, I authorized Ideal Image® to remit the above amount to my provider.

Applicant Signature__________________________________________________________ <= PLEASE SIGN
Date___________________ <= PLEASE DATE

Applicant Initial____________ <= PLEASE INITIAL

OFFICE COPY