IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION

READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS

Prior to applying for a Herberger's credit card Account, World Financial Network Bank (WFNNB) requests your 
consent to provide you important information electronically.

You understand and agree that World Financial Network Bank may provide you with all required application 
disclosures regarding your Herberger's credit card Account application in electronic form. These disclosures include, 
but are not limited to, Credit Card Terms and Conditions, the Credit Card Agreement and Customer Privacy Statement.
At your request, we will provide you with paper copies of these disclosures.
In order to receive electronic Communications and to obtain the best view of these Communications you will need 
access to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to 
download and print these disclosures, and Adobe Reader to view PDF files. You may download it for free from 
Adobe. By selecting the "Submit" button, you confirm that your system meets these requirements and that you have the 
capability to access and download or print electronic disclosures.
If you are browsing this site for informational purposes, you waive any liability for any damages you may incur for 
relying on the information contained in this site.
We recommend that you retain a copy of these disclosures for your records.
If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer 
service desk.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases      
24.99% . This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies 
29.99%.   This APR will vary with the market based on the Prime Rate.  
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.

How to Avoid Paying Interest on Purchases       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 Account and the corresponding Credit Card 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 09/28/2012. 
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 Network Bank (WFNNB), PO Box 182273, Columbus, OH 43218-2273, see the 
cardmailer with your new credit card (if approved) or visit our website at comenity.net/herbergers. You agree that a 
credit report may be used in making the credit granting decision.
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT To help the government fight the funding of 
terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record 
information that identifies each person who opens an account. What this means for you: When you open an account, 
we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also 
ask to see your driver's license or other identifying documents.
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 Network 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.
Customers Receiving Preapproved Credit Offers: You were selected for a preapproved account offer from WFNNB 
based upon the information in your credit report which satisfied our criteria for creditworthiness. If applicable, you 
must respond by the expiration date of the offer.  Credit may not be extended if after you respond, (i) we find that you 
do not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to 
create a valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) we 
receive your response to this offer after such offer has expired.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-
888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE :  This "prescreened" offer of credit is based on information in your credit report 
indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want 
to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-
888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 97328, Jackson, MS 39288; 
Equifax, PO Box 740123, Atlanta, GA 30374.

Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your 
credit report information by notifying the above agencies.
I am applying to World Financial Network Bank (WFNNB) for, and hereby request, an Herberger's credit card for 
personal, family or household use. I hereby authorize WFNNB to investigate my credit record. The information that I 
have supplied is true and correct. I acknowledge that I am a permanent resident of the United States. I agree that a 
credit report may be obtained for any lawful purpose, including in connection with the processing of an application, or 
subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a 
consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting 
agency that furnished the report. I agree to be bound by the terms of the Credit Card Agreement. I acknowledge that I 
will receive a Credit Card Agreement upon approval. I also acknowledge that there is no agreement between WFNNB 
and me until WFNNB approves my credit application and accepts the Credit Card Agreement at its office in Delaware 
and that the Credit Card Agreement is deemed to be made in Delaware. Cards are issued and credit is extended by 
WFNNB, Wilmington, Delaware.

 
 
 
PLEASE NOTE:
BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH 
RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU.
You hereby authorize World Financial Network Bank ("us" or "we") to furnish our decision to issue an account to you 
to Herberger's. You hereby authorize us to furnish, if your application is approved, information concerning your 
account to credit bureaus, other creditors and Herberger's.
Check your information before submitting. We cannot process any submission without a complete and accurate name, 
address, date of birth and social security number. By submitting this Application you are acknowledging having read 
and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be bound by them. 
Finally, I agree that this application and any information I submitted to WFNNB may be shared with and retained by 
Herberger's.
CREDIT CARD AGREEMENT
This is your Agreement with World Financial Network Bank for customers of Herberger's. 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 Network 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 Bergner's, Bon-Ton, Boston Store, Carson's, Elder-Beerman, 
Herberger's, Parisian and Younkers 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.
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. 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. (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 in Section 6 of your Credit Card Agreement), plus any past due amounts. The minimum payments 
for the Regular Revolving Credit Plan and Promotional Credit Plans (except for Waive Interest, Equal Payment; Defer 
Interest, Equal Payment; Waive Interest, Low Payment and Defer Interest, Low Payment) will be the greater of: (a) 
$5.00 or (b) 3.5% (rounded up to the nearest $1.00) 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 promotional period 
end date (minimum $5.00) 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) $5.00 or (b) 1% (rounded to the nearest $1.00) 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.
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 
three 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 21.74% 
to the value of an "Index," and dividing by 365 (The corresponding ANNUAL PERCENTAGE RATE will be the 
Index plus 21.74%). 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. 
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 09/28/2012 the initial Daily Periodic Rate of FINANCE CHARGE was 0.06846%, and the 
corresponding initial ANNUAL PERCENTAGE RATE was 24.99%. This information may have changed after that 
date. To find out about changes in the information, write us at World Financial Network Bank, PO Box 182273, 
Columbus, OH 43218-2273, or call us at 1-855-567-7743 (TDD/TTY 1-800-695-1788).
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 three consecutive Billing Periods, we may apply a penalty Annual 

Percentage Rate ("Penalty Rate") to any existing balances on your Account, including any promotional purchases and 
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 and may increase the amount of your minimum payment due.  As of 
09/28/2012 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 14.F 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 14.F.  
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 DELAWARE 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 Network 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 receive 
communications regarding your account to us, any servicers and any collectors of your account, through various means 
such as 1) any cell, landline, or text number that you provide, 2) any email address that you provide, 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.
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 Network Bank, PO Box 182436, Columbus, Ohio 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 Network 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 Network 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 1-855-567-7743 (TDD/TTY 1-800-695-1788).
32. Using Your Credit Card Account .  Your Account may be used to make purchases from any of the following : 
Herberger's, Bergner's, Bon-Ton, Boston Store, Carson's, Elder-Beerman, Parisian and Younkers 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 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. You can 
call toll-free 1-855-567-7743 (TDD/TTY 1-800-695-1788).
For Bankruptcy Notifications:
All bankruptcy notices and related correspondence to WFNNB should be sent to the following address:  WFNNB, 
Bankruptcy Department, PO Box 182125 Columbus, OH 43218-2125
**********************************
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 to us on a separate sheet at World Financial Network Bank, 
PO Box 182782, Columbus, Ohio 43218-2782. 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 NETWORK BANK a ComenitySM Company 
Wilmington, DE 
CCA-HRB-(05/12)
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