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I m p o r t a n t   I n f o r m a t i o n   R e g a r d i n g   E l e c t r o n i c

C o m m u n i c a t i o n

R e a d   t h i s   i n f o r m a t i o n   c a r e f u l l y   a n d   k e e p   a   c o p y
f o r   y o u r   r e c o r d s

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Form to make a Do Not Sell My Personal Information request.

T h i s   R a t e   a n d   F e e   S u m m a r y   ( S u m m a r y )   i s   p a r t   o f   t h e   C r e d i t   C a r d   A g r e e m e n t   ( A g r e e m e n t )   f o r   t h e   S m i l e   G e n e r a t i o n   F i n a n c i a l   C r e d i t

R a t e   a n d   F e e   S u m m a r y

C a r d   A c c o u n t .   R e a d   i t   a n d   k e e p   i t .

I n t e r e s t   R a t e s   a n d   I n t e r e s t
C h a r g e s

A n n u a l   P e r c e n t a g e   R a t e   ( A P R )

f o r   P u r c h a s e s

2 6 . 9 9 %
T h i s   A P R   w i l l   v a r y   w i t h   t h e   m a r k e t   b a s e d   o n   t h e   P r i m e   R a t e .

H o w   t o   Av o i d   P a y i n g   I n t e r e s t

Yo u r   d u e   d a t e   i s   a t   l e a s t   2 5   d a y s   a f t e r   t h e   c l o s e   o f   e a c h   b i l l i n g   p e r i o d .   W e   w i l l   n o t

c h a r g e   y o u   i n t e r e s t   o n   p u r c h a s e s   i f   y o u   p a y   y o u r   e n t i r e   b a l a n c e   b y   t h e   d u e   d a t e

e a c h   m o n t h .   I f   y o u   d o   n o t ,   y o u   w i l l   n o t   g e t   a   g r a c e   p e r i o d   o n   p u r c h a s e s   a g a i n   u n t i l

y o u   p a y   t h e   e n t i r e   b a l a n c e   b y   t h e   d u e   d a t e   f o r   t w o   b i l l i n g   p e r i o d s   i n   a   r o w.

M i n i m u m   I n t e r e s t   C h a r g e

I f   y o u   a r e   c h a r g e d   i n t e r e s t ,   t h e   c h a r g e   w i l l   b e   n o   l e s s   t h a n   $ 1   p e r   c r e d i t   p l a n .

F o r   C r e d i t   C a r d   T i p s   f r o m   t h e

To   l e a r n   m o r e   a b o u t   f a c t o r s   t o   c o n s i d e r   w h e n   a p p l y i n g   f o r   o r   u s i n g   a   c r e d i t

C o n s u m e r   F i n a n c i a l   P r o t e c t i o n

c a r d ,   v i s i t   t h e   w e b s i t e   o f   t h e   C o n s u m e r   F i n a n c i a l   P r o t e c t i o n   B u r e a u   a t   h t t p : / / w

B u r e a u

F e e s

w w. c o n s u m e r f i n a n c e . g o v / l e a r n m o r e .

A n n u a l   F e e

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•   L a t e   P a y m e n t

•   R e t u r n e d   P a y m e n t

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U p   t o   $ 2 5

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H o w   W e   W i l l   C a l c u l a t e   Yo u r   B a l a n c e :   W e   u s e   a   m e t h o d   c a l l e d   “ d a i l y   b a l a n c e   ( i n c l u d i n g   c u r r e n t   t r a n s a c t i o n s ) . ”   R e v i e w

y o u r   A g r e e m e n t   f o r   m o r e   d e t a i l s .

B i l l i n g   R i g h t s :   I n f o r m a t i o n   o n   y o u r   r i g h t s   t o   d i s p u t e   t r a n s a c t i o n s   a n d   h o w   t o   e x e r c i s e   t h o s e   r i g h t s   i s   p r o v i d e d   i n   y o u r

A g r e e m e n t .

W i s c o n s i n   R e s i d e n t s :   I f   y o u   a r e   m a r r i e d ,   c o n t a c t   u s   u p o n   r e c e i p t   o f   t h i s   A g r e e m e n t   a t   t h e   G e n e r a l   p h o n e   n u m b e r   i n   t h e   H o w   t o   C o n t a c t

U s   s e c t i o n   b e l o w   a n d   g i v e   u s   y o u r   s p o u s e ’ s   n a m e   a n d   a d d r e s s .

P r i n t   D a t e :   T h i s   S u m m a r y   w a s   p r i n t e d   J u n e   2 0 2 1 .   T h e   i n f o r m a t i o n   w a s   a c c u r a t e   a s   o f   t h a t   d a t e   b u t   m a y   h a v e   c h a n g e d .   To   f i n d   o u t   m o r e ,

c o n t a c t   u s   a t   t h e   G e n e r a l   m a i l i n g   a d d r e s s   o r   p h o n e   n u m b e r   i n   t h e   H o w   t o   C o n t a c t   U s   s e c t i o n   b e l o w.

I s s u e r   N a m e :   Yo u r   C a r d   i s   i s s u e d   b y   C o m e n i t y   C a p i t a l   B a n k .

G o v e r n i n g   L a w :   T h i s   l o a n   i s   m a d e   i n   U t a h   a n d   t h i s   A g r e e m e n t   i s   g o v e r n e d   b y   U t a h   a n d   f e d e r a l   l a w.

R a t e   I n f o r m a t i o n :   T h e   f o l l o w i n g   c h a r t   p r o v i d e s   d e t a i l s   o n   y o u r   r a t e s   a s   o f   t h e   P r i n t   D a t e   s h o w n   a b o v e .   I f   t h i s   A g r e e m e n t   w a s   p r o v i d e d

a t   p o i n t   o f   s a l e ,   r e v i e w   t h e   A g r e e m e n t   w i t h   y o u r   w e l c o m e   p a c k a g e   f o r   v a r i a b l e   r a t e   i n f o r m a t i o n   i n   e f f e c t   w i t h i n   3 0   d a y s   o f   m a i l i n g .

P u r c h a s e s

( v )   =   v a r i a b l e

A P R

D a i l y   P e r i o d i c   R a t e

2 6 . 9 9 %   ( v )

0 . 0 7 3 9 4 %

M a r g i n

2 3 . 7 4 %

A n n u a l   F e e :   I f   t h e r e   i s   a n   A n n u a l   F e e   i n   t h e   F e e s   t a b l e   a b o v e ,   t h i s   f e e   w i l l   b e   c h a r g e d   w i t h   t h e   c l o s e   o f   y o u r   f i r s t   b i l l i n g   p e r i o d   a n d

a n n u a l l y   t h e r e a f t e r.   W e   w i l l   r e f u n d   t h i s   f e e   i f   y o u   c l o s e   y o u r   A c c o u n t   w i t h i n   3 0   d a y s   o f   t h e   m a i l i n g   o r   d e l i v e r y   d a t e   o f   t h e   s t a t e m e n t   o n

w h i c h   t h e   f e e   a p p e a r s .   T h e   f e e   i s   o t h e r w i s e   n o n - r e f u n d a b l e .

L a t e   F e e :   I f   y o u   d o   n o t   p a y   t h e   M i n i m u m   P a y m e n t   b y   t h e   D u e   D a t e ,   w e   c h a r g e   a   L a t e   F e e .   T h e   f e e   i s   $ 2 9   i f   y o u   w e r e   n o t   c h a r g e d   a

L a t e   F e e   d u r i n g   t h e   p r i o r   s i x   b i l l i n g   p e r i o d s .   O t h e r w i s e ,   i t   i s   $ 4 0 .   T h i s   f e e   w i l l   n o t   e x c e e d   t h e   a m o u n t   p e r m i t t e d   b y   l a w.

R e t u r n e d   P a y m e n t   F e e :   I f   y o u   m a k e   a   p a y m e n t   t h a t   i s   n o t   h o n o r e d ,   w e   c h a r g e   a   R e t u r n e d   P a y m e n t   F e e   e v e n   i f   t h e   p a y m e n t   i s   h o n o r e d

o n   r e s u b m i s s i o n .   T h e   f e e   i s   $ 2 5 .   T h i s   f e e   w i l l   n o t   e x c e e d   t h e   a m o u n t   p e r m i t t e d   b y   l a w.

A l t e r n a t i v e   P a y m e n t   M e t h o d   F e e :   W e   m a y   a l l o w   y o u   t o   m a k e   a n   e x p e d i t e d   p a y m e n t   o v e r   t h e   p h o n e .   I f   y o u   d o ,   w e   m a y   c h a r g e   a   f e e .

C u r r e n t l y,   t h a t   f e e   i s   u p   t o   $ 1 5 .   W e ’ l l   l e t   y o u   k n o w   t h e   c u r r e n t   f e e   b e f o r e   y o u   a u t h o r i z e   a n y   p a y m e n t   a n d   y o u   c a n   w i t h d r a w   y o u r   r e q u e s t

i f   y o u   d o n ’ t   w a n t   t o   p a y   t h e   f e e .

P r o m o t i o n a l   C r e d i t   P l a n s   f o r   S m i l e   G e n e r a t i o n   F i n a n c i a l   C r e d i t   C a r d :   P u r c h a s e s   m a d e   a t   a   p a r t i c i p a t i n g   S m i l e   G e n e r a t i o n   l o c a t i o n   o n

a   S m i l e   G e n e r a t i o n   F i n a n c i a l   C r e d i t   C a r d   A c c o u n t   m a y   q u a l i f y   f o r   a   P r o m o t i o n a l   C r e d i t   P l a n   a s   d e s c r i b e d   b e l o w.   A s   o f   t h e   P r i n t   D a t e ,

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y o u r   P u r c h a s e   A P R   i s   2 6 . 9 9 % ,   b a s e d   o n   t h e   P r i m e   R a t e .

C u r r e n t   o f f e r s   m a y   i n c l u d e :

D e f e r r e d   I n t e r e s t ,   P a y m e n t   R e q u i r e d :   N o   i n t e r e s t   i f   p a i d   i n   f u l l   w i t h i n   6 ,   1 2 ,   1 8 ,   o r   2 4   m o n t h s .   I n t e r e s t   w i l l   b e   c h a r g e d   t o   t h e   A c c o u n t

f r o m   t h e   p u r c h a s e   d a t e   a t   t h e   P u r c h a s e   A P R   i f   t h e   p l a n   b a l a n c e   i s   n o t   p a i d   i n   f u l l   w i t h i n   t h e   p r o m o t i o n a l   p e r i o d .

L o w   A P R ,   E q u a l   P a y m e n t :   11 . 9 9 %   A P R   f o r   3 6 ,   4 8 ,   o r   6 0   m o n t h s .   A f t e r   t h a t   t h e   P u r c h a s e   A P R   w i l l   a p p l y   t o   a n y   r e m a i n i n g   p l a n   b a l a n c e .

A p p l i c a b l e   t o   A l l   P r o m o t i o n a l   C r e d i t   P l a n s

Av a i l a b l e   p l a n s   a n d   o f f e r   t e r m s   a r e   s u b j e c t   t o   c h a n g e .   P l a n   a v a i l a b i l i t y   m a y   b e   l i m i t e d   t o   c e r t a i n   l o c a t i o n s .   F o r   m o r e

i n f o r m a t i o n ,   v i s i t   a   p a r t i c i p a t i n g   S m i l e   G e n e r a t i o n   l o c a t i o n .

M i n i m u m   p a y m e n t s   a r e   r e q u i r e d   f o r   e a c h   C r e d i t   P l a n .   R e v i e w   t h e   M i n i m u m   P a y m e n t   s e c t i o n   b e l o w   f o r   m o r e   d e t a i l s .

M i n i m u m   p a y m e n t s   a r e   n o t   g u a r a n t e e d   t o   p a y   t h e   p r o m o t i o n a l   p l a n   b a l a n c e   w i t h i n   t h e   p r o m o t i o n a l   p e r i o d .   Yo u   m a y   h a v e   t o   p a y

m o r e   t h a n   t h e   m i n i m u m   p a y m e n t   t o   a v o i d   p a y i n g   i n t e r e s t   a t   t h e   p u r c h a s e   A P R .   S o m e   b a l a n c e s   m a y   b e   p a i d   o f f   b e f o r e   t h e

p r o m o t i o n a l   p e r i o d   e n d s .

Yo u r   m i n i m u m   p a y m e n t   m a y   b e   h i g h e r   t h a n   i f   y o u   d i d   n o t   s e l e c t   p r o m o t i o n a l   f i n a n c i n g .

Va l i d   f o r   s i n g l e   t r a n s a c t i o n   o n l y.   I f   t h e   s i n g l e   t r a n s a c t i o n   h a s   m u l t i p l e   s h i p m e n t s ,   e a c h   s h i p m e n t   m a y   r e s u l t   i n   a   s e p a r a t e   C r e d i t

P l a n ,   s u b j e c t   t o   a   s e p a r a t e   m i n i m u m   p u r c h a s e   r e q u i r e m e n t   a n d   m i n i m u m   i n t e r e s t   c h a r g e .

M i n i m u m   P a y m e n t :   Yo u   m a y   p a y   t h e   e n t i r e   A c c o u n t   b a l a n c e   a t   a n y   t i m e .   Yo u   m u s t   p a y   a t   l e a s t   t h e   M i n i m u m   P a y m e n t   e a c h   b i l l i n g   p e r i o d

b y   t h e   D u e   D a t e   o n   y o u r   s t a t e m e n t .

I f   t h e   N e w   B a l a n c e   o n   y o u r   s t a t e m e n t   i s   l e s s   t h a n   $ 2 9   ( o r   $ 3 5   i f   y o u   w e r e   c h a r g e d   a   L a t e   F e e   d u r i n g   t h e   p r i o r   s i x   b i l l i n g   p e r i o d s ) ,   t h e

M i n i m u m   P a y m e n t   i s   t h e   N e w   B a l a n c e .   I f   t h e   N e w   B a l a n c e   i s   m o r e   t h a n   $ 2 9   ( o r   $ 3 5   i f   y o u   w e r e   c h a r g e d   a   L a t e   F e e   d u r i n g   t h e   p r i o r   s i x

b i l l i n g   p e r i o d s ) ,   t h e   M i n i m u m   P a y m e n t   i s   t h e   P a s t   D u e   a m o u n t   p l u s   t h e   s u m   o f   t h e   a m o u n t s   d u e   o n   e a c h   C r e d i t   P l a n   a s   f o l l o w s :

R e g u l a r   P u r c h a s e ,   D e f e r r e d   I n t e r e s t ,

P a y m e n t   R e q u i r e d   a n d   Wa i v e d   I n t e r e s t ,

4 %   o f   p l a n   b a l a n c e   a t   e n d   o f   b i l l i n g   p e r i o d   r o u n d e d   t o   n e a r e s t   $ 1   ( m i n i m u m   $ 5 )

P a y m e n t   R e q u i r e d

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D e f e r r e d   I n t e r e s t ,   E q u a l   P a y m e n t   a n d

P u r c h a s e   a m o u n t   d i v i d e d   b y   n u m b e r   o f   m o n t h s   i n   p r o m o t i o n a l   p e r i o d   r o u n d e d   u p   t o   n e a r e s t

Wa i v e d   I n t e r e s t ,   E q u a l   P a y m e n t

$ 1   ( m i n i m u m   $ 5 )

L o w   A P R ,   E q u a l   P a y m e n t

p r o m o t i o n a l   p e r i o d   d i v i d e d   b y   n u m b e r   o f   m o n t h s   i n   p r o m o t i o n a l   p e r i o d   r o u n d e d   u p   t o

P u r c h a s e   a m o u n t   i n c l u d i n g   c a l c u l a t e d   i n t e r e s t   c h a r g e s   f r o m   p u r c h a s e   d a t e   t h r o u g h   e n d   o f

n e a r e s t   $ 1   ( m i n i m u m   $ 5 )

D e f e r r e d   I n t e r e s t ,   L o w   P a y m e n t   a n d

Wa i v e d   I n t e r e s t ,   L o w   P a y m e n t

1 %   o f   p l a n   b a l a n c e   a t   e n d   o f   b i l l i n g   p e r i o d   r o u n d e d   t o   n e a r e s t   $ 1   ( m i n i m u m   $ 5 )

B u d g e t   P a y m e n t   o r   O p e n   C h a r g e   B u d g e t

M o n t h l y   p a y m e n t s   o f   $ 4 9 ,   $ 9 9 ,   $ 1 4 9 ,   $ 1 9 9   o r   $ 2 9 9 ,   a s   s p e c i f i e d   i n   o f f e r   b a s e d   o n

P a y m e n t

t r a n s a c t i o n   a m o u n t

O p e n   C h a r g e   ( e x c e p t   O p e n   C h a r g e   B u d g e t

P a y m e n t )

D e p e n d e n t   u p o n   a b o v e   f o r   c o r r e s p o n d i n g   C r e d i t   P l a n

I f   y o u r   b a l a n c e   i n c r e a s e s   d u r i n g   t h e   O p e n   C h a r g e   P e r i o d ,   y o u r   M i n i m u m   P a y m e n t   w i l l

i n c r e a s e

H o w   t o   C o n t a c t   U s :

A r b i t r a t i o n   C l a i m s

C o m e n i t y   C a p i t a l   B a n k ,   P O   B o x   1 8 2 4 3 6 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 2 4 3 6

A r b i t r a t i o n   R e j e c t i o n

C o m e n i t y   C a p i t a l   B a n k ,   P O   B o x   1 8 2 4 2 2 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 2 4 2 2

B a n k r u p t c y   N o t i f i c a t i o n s

C o m e n i t y   C a p i t a l   B a n k ,   B a n k r u p t c y   D e p a r t m e n t ,   P O   B o x   1 8 3 0 4 3 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 3 0 4 3

B i l l i n g   E r r o r s

C o m e n i t y   C a p i t a l   B a n k ,   P O   B o x   1 8 2 6 2 0 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 2 6 2 0

C r e d i t   R e p o r t i n g   D i s p u t e s

C o m e n i t y   C a p i t a l   B a n k ,   P O   B o x   1 8 2 1 2 0 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 2 1 2 0

D i s p u t e d   D e b t s

6 5 5 0   N o r t h   L o o p   1 6 0 4   E a s t ,   S u i t e   1 0 1 ,   S a n   A n t o n i o ,   T X   7 8 2 4 7 - 5 0 0 4

G e n e r a l

C r e d i t   C a r d   C u s t o m e r   C a r e :

•   S m i l e   G e n e r a t i o n   F i n a n c i a l :   1 - 8 7 7 - 2 8 7 - 8 8 7 9

•   T D D / T T Y:   1 - 8 8 8 - 8 1 9 - 1 9 1 8

•   c o m e n i t y. n e t / s m i l e g e n e r a t i o n

•   C o m e n i t y   C a p i t a l   B a n k ,   P O   B o x   1 8 3 0 0 3 ,   C o l u m b u s ,   O H   4 3 2 1 8 - 3 0 0 3

W h e n   w r i t i n g ,   i n c l u d e   y o u r   n a m e ,   a d d r e s s ,   p h o n e   n u m b e r   a n d   A c c o u n t   n u m b e r.

T h i s   A g r e e m e n t ,   i n c l u d i n g   t h e   S u m m a r y,   i s   y o u r   c o n t r a c t   w i t h   u s .   R e a d   i t   a n d   k e e p   i t .

C r e d i t   C a r d   A g r e e m e n t

A c c e p t a n c e :   Yo u   a c c e p t   t h i s   A g r e e m e n t   i f   y o u   u s e   t h e   A c c o u n t   o r   y o u   d o   n o t   c a n c e l   y o u r   A c c o u n t   w i t h i n   3 0   d a y s   a f t e r   d e l i v e r y   o f   t h e

A g r e e m e n t .   Yo u r   s i g n a t u r e   o n   a n y   a p p l i c a t i o n   o r   s o l i c i t a t i o n   f o r   t h i s   A c c o u n t   o r   o t h e r   e v i d e n c e   o f   i n d e b t e d n e s s   o n   y o u r   A c c o u n t   i s   y o u r

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s i g n a t u r e   o n   t h i s   A g r e e m e n t .

A r b i t r a t i o n :   T h i s   A g r e e m e n t   i n c l u d e s   a n   A r b i t r a t i o n   P r o v i s i o n   w i t h   c l a s s   a c t i o n   a n d   j u r y   t r i a l   w a i v e r s .   Yo u   c a n   r e j e c t   t h e   A r b i t r a t i o n

P r o v i s i o n .   I f   y o u   d o   n o t ,   i t   w i l l   b e   p a r t   o f   t h i s   A g r e e m e n t .

C h a n g e s :   T h e   r a t e s ,   f e e s   a n d   t e r m s   o f   t h i s   A g r e e m e n t   m a y   c h a n g e   a n d   w e   m a y   a d d   o r   d e l e t e   a n y   t e r m .   W e   w i l l   g i v e   y o u   a d v a n c e

n o t i c e   a n d   a   r i g h t   t o   r e j e c t ,   i f   r e q u i r e d   b y   l a w.

A c c o u n t :   t h e   c r e d i t   c a r d   a c c o u n t   w i t h   u s   u n d e r   t h i s   A g r e e m e n t .

A u t h o r i z e d   U s e r :   a n y   p e r s o n   y o u   a l l o w   t o   u s e   y o u r   A c c o u n t .

D e f i n i t i o n s

C a r d :   o n e   o r   m o r e   c a r d s   o r   a c c e s s   d e v i c e s ,   i n c l u d i n g   y o u r   A c c o u n t   n u m b e r   o r   v i r t u a l   c a r d ,   w e   i s s u e   t o   y o u ,   o r   s o m e o n e   y o u   a u t h o r i z e ,

t o   g e t   c r e d i t   u n d e r   t h i s   A g r e e m e n t .

C a s h   A d v a n c e :   i f   a p p l i c a b l e ,   t h e   u s e   o f   y o u r   A c c o u n t   t o :

g e t   c a s h   f r o m   a n   AT M ,   f i n a n c i a l   i n s t i t u t i o n   o r   o t h e r   l o c a t i o n ;

b u y   l o t t e r y   t i c k e t s ,   m o n e y   o r d e r s ,   f o r e i g n   c u r r e n c y,   g i f t   c a r d s   o r   s i m i l a r   i t e m s ;

g e t   c a s h   o r   p a y   s o m e o n e   u s i n g   a   c h e c k   w e   o f f e r   f o r   t h a t   p u r p o s e ;

m a k e   a n y   o t h e r   t r a n s a c t i o n   t h e   m e r c h a n t   c o d e s   a s   a   c a s h   a d v a n c e ,   m o n e y   t r a n s f e r   o r   g a m b l i n g .

B a l a n c e   t r a n s f e r s   a r e   C a s h   A d v a n c e s   u n l e s s   w e   t e l l   y o u   o t h e r w i s e .

C r e d i t   P l a n :   e a c h   b a l a n c e   s u b j e c t   t o   d i f f e r e n t   f i n a n c i n g   t e r m s ,   s u c h   a s   r e g u l a r   p u r c h a s e s ,   C a s h   A d v a n c e s ,   a n d   p r o m o t i o n a l   p l a n s .

M a r g i n :   t h e   a m o u n t   a d d e d   t o   t h e   P r i m e   R a t e   t o   d e t e r m i n e   a   v a r i a b l e   A P R .

P r i m e   R a t e :   t h e   U . S .   P r i m e   R a t e   i n   t h e   M o n e y   R a t e s   s e c t i o n   o f   T h e   Wa l l   S t r e e t   J o u r n a l   o n   t h e   l a s t   b u s i n e s s   d a y   o f   t h e   c a l e n d a r   m o n t h .

W e ,   u s   o r   o u r :   t h e   i s s u e r   o f   y o u r   C a r d   a n d   i t s   s u c c e s s o r s   a n d   a s s i g n e e s .

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Yo u ,   y o u r   o r   y o u r s :   e a c h   p e r s o n   w h o   s u b m i t s   a n   a p p l i c a t i o n   o r   s o l i c i t a t i o n   f o r   a n   A c c o u n t   a n d   a n y   o t h e r   p e r s o n   c o n t r a c t u a l l y   l i a b l e

u n d e r   t h i s   A g r e e m e n t .

U s i n g   Yo u r   A c c o u n t

Yo u r   A g r e e m e n t

y o u r   A c c o u n t ,   i n c l u d i n g   c h a r g e s   m a d e   b y   A u t h o r i z e d   U s e r s .   Yo u   a g r e e   n o t   t o   u s e   y o u r   A c c o u n t   f o r   i l l e g a l

Yo u   a g r e e   t o   u s e   y o u r   A c c o u n t   i n   a c c o r d a n c e   w i t h   t h i s   A g r e e m e n t .   Yo u   a g r e e   t o   p a y   u s   f o r   a l l   a m o u n t s   d u e   o n

t r a n s a c t i o n s .

U s e   o f   A c c o u n t

A u t h o r i z e d   U s e r s

J o i n t   A c c o u n t s

C r e d i t   A u t h o r i z a t i o n s

C r e d i t   L i m i t

Yo u   m a y   u s e   y o u r   A c c o u n t   t o   m a k e   p u r c h a s e s   a n y w h e r e   t h e   C a r d   i s   a c c e p t e d .   I f   y o u r   C a r d   h a s   t h e   l o g o   o f   o n e

o f   o u r   n e t w o r k   p r o v i d e r s   ( e . g . ,   V i s a   a n d   M a s t e r c a r d ) ,   y o u   m a y   u s e   y o u r   A c c o u n t   t o   m a k e   C a s h   A d v a n c e s .

Yo u   m a y   r e q u e s t   C a r d s   f o r   A u t h o r i z e d   U s e r s .   Yo u   m u s t   n o t i f y   u s   i f   y o u   w i s h   t o   c a n c e l   t h e   a u t h o r i t y   o f   a n

A u t h o r i z e d   U s e r   t o   u s e   y o u r   A c c o u n t .

I f   t h i s   i s   a   j o i n t   A c c o u n t ,   e a c h   o f   y o u   a g r e e s   t o   b e   i n d i v i d u a l l y   a n d   j o i n t l y   l i a b l e   f o r   t h e   e n t i r e   a m o u n t   o w e d .   A n y

n o t i c e   w e   s e n d   t o   e i t h e r   o f   y o u   w i l l   s e r v e   a s   n o t i c e   t o   b o t h   o f   y o u .

W e   m a y   d e c l i n e   t o   a u t h o r i z e   a   t r a n s a c t i o n   f o r   a n y   r e a s o n .   W e   w i l l   n o t   b e   l i a b l e   t o   y o u   i f   w e   d o   o r   i f   a n y o n e

r e f u s e s   a n y   u s e   o f   y o u r   C a r d .

W e   w i l l   t e l l   y o u   y o u r   c r e d i t   l i m i t   o r   l i m i t s .   K e e p   y o u r   b a l a n c e   b e l o w   y o u r   c r e d i t   l i m i t   o r   l i m i t s .   I f   y o u   d o   n o t ,   y o u

m u s t   s t i l l   p a y   u s .   W e   m a y   c h a n g e   y o u r   c r e d i t   l i m i t   o r   l i m i t s   a t   a n y   t i m e ,   w i t h o u t   n o t i c e .

P r o m o t i o n a l   C r e d i t

W e   m a y   o f f e r   s p e c i a l   f i n a n c i n g   t e r m s ,   s u c h   a s   d e f e r r e d   i n t e r e s t ,   w a i v e d   i n t e r e s t ,   l o w   A P R   o r   e q u a l   p a y m e n t

P l a n s

o p t i o n s .   T h e   C r e d i t   P l a n   o r   P l a n s   w i l l   b e   s u b j e c t   t o   t h e   t e r m s   o f   t h e   o f f e r   a n d   t h i s   A g r e e m e n t .

E l e c t r o n i c   A c c e s s

u n d e r   t h i s   A g r e e m e n t .   S u c h   t r a n s a c t i o n s   a r e   c o v e r e d   b y   t h i s   A g r e e m e n t .   A p p s   m a y   h a v e   s e p a r a t e   t e r m s   o f   u s e .

A p p l i c a t i o n s   ( a p p s )   o n   e l e c t r o n i c   d e v i c e s   ( s u c h   a s   m o b i l e   w a l l e t s )   c a n   s t o r e   y o u r   C a r d   a n d   b e   u s e d   t o   g e t   c r e d i t

W e   a r e   n o t   r e s p o n s i b l e   f o r   a n y   c o n s e q u e n c e s   f r o m   y o u r   v i o l a t i o n   o f   t h o s e   t e r m s .

A P R s   a n d   I n t e r e s t   B a s e d   o n   A P R s

R e v i e w   y o u r   S u m m a r y   f o r   t h e   A P R s   t h a t   a p p l y   t o   y o u r   A c c o u n t

W e   a d d   t h e   a p p l i c a b l e   M a r g i n   s p e c i f i e d   i n   t h e   R a t e   I n f o r m a t i o n   c h a r t   o n   t h e   S u m m a r y   t o   t h e   P r i m e   R a t e   t o

d e t e r m i n e   Va r i a b l e   A P R s .   Va r i a b l e   A P R s   i n c r e a s e   o r   d e c r e a s e   w h e n   t h e   P r i m e   R a t e   c h a n g e s   b u t   w i l l   n o t   e x c e e d

Va r i a b l e   A P R s

a n y   M a x i m u m   A P R   s p e c i f i e d   i n   t h e   R a t e   I n f o r m a t i o n   c h a r t .

A n y   A P R   c h a n g e   w i l l   t a k e   e f f e c t   o n   t h e   f i r s t   d a y   o f   t h e   b i l l i n g   p e r i o d   t h a t   b e g i n s   a f t e r   t h e   P r i m e   R a t e   c h a n g e s .

I n c r e a s e d   A P R s   w i l l   i n c r e a s e   y o u r   i n t e r e s t   c h a r g e s   a n d   m a y   i n c r e a s e   y o u r   M i n i m u m   P a y m e n t .

D a i l y   B a l a n c e   M e t h o d

W e   c a l c u l a t e   i n t e r e s t   f o r   e a c h   C r e d i t   P l a n   e a c h   d a y   b y   a p p l y i n g   t h e   a p p l i c a b l e   d a i l y   p e r i o d i c   r a t e   t o   t h e   d a i l y

( i n c l u d i n g   c u r r e n t

b a l a n c e .   T h e   d a i l y   p e r i o d i c   r a t e   i s   t h e   A P R   f o r   t h e   C r e d i t   P l a n   d i v i d e d   b y   3 6 5 .

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t r a n s a c t i o n s )

W e   s t a r t   w i t h   t h e   b e g i n n i n g   b a l a n c e   e a c h   d a y   ( i n c l u d i n g   u n p a i d   i n t e r e s t   a n d   f e e s ) .

W e   a d d   n e w   t r a n s a c t i o n s   a n d   f e e s   t o   t h e   a p p l i c a b l e   C r e d i t   P l a n .   W e   a d d   t r a n s a c t i o n   f e e s   t o   t h e   s a m e   C r e d i t

P l a n   a s   t h e   t r a n s a c t i o n .   W e   a d d   a l l   o t h e r   f e e s   t o   t h e   r e g u l a r   p u r c h a s e   C r e d i t   P l a n .

W e   s u b t r a c t   n e w   c r e d i t s   a n d   p a y m e n t s   f r o m   t h e   a p p l i c a b l e   C r e d i t   P l a n   a n d   m a k e   o t h e r   a d j u s t m e n t s   t o   g e t   t h e

p a r t i a l   d a i l y   b a l a n c e .

W e   m u l t i p l y   t h e   p a r t i a l   d a i l y   b a l a n c e   b y   t h e   d a i l y   p e r i o d i c   r a t e   t o   g e t   t h e   d a i l y   i n t e r e s t .

W e   a d d   t h e   d a i l y   i n t e r e s t   t o   t h e   p a r t i a l   d a i l y   b a l a n c e   t o   g e t   t h e   d a i l y   b a l a n c e .   T h i s   r e s u l t s   i n   d a i l y   c o m p o u n d i n g

o f   i n t e r e s t .

W e   a d d   a l l   t h e   d a i l y   i n t e r e s t   t o   g e t   t h e   t o t a l   i n t e r e s t   f o r   t h e   C r e d i t   P l a n   f o r   t h e   b i l l i n g   p e r i o d .   F o r   a   D e f e r r e d

I n t e r e s t   C r e d i t   P l a n ,   t h i s   i n t e r e s t   i s   d e f e r r e d .

W e   r o u n d   i n t e r e s t   t o   t h e   n e a r e s t   c e n t .

C h a r g i n g   I n t e r e s t :   I n t e r e s t   b e g i n s   o n   a   t r a n s a c t i o n ,   f e e   o r   i n t e r e s t   f r o m   t h e   d a y   a d d e d   t o   t h e   d a i l y   b a l a n c e   u n t i l

p a i d   i n   f u l l .

H o w   t o   Av o i d   P a y i n g   I n t e r e s t   o n   R e g u l a r   P u r c h a s e s   ( G r a c e   P e r i o d ) :   I f   y o u   d i d   n o t   h a v e   a   P r e v i o u s   B a l a n c e ,

o r   i f   y o u   p a i d   t h e   N e w   B a l a n c e   o n   y o u r   p r e v i o u s   s t a t e m e n t   b y   t h e   D u e   D a t e   o n   t h a t   s t a t e m e n t ,   w e   w i l l   n o t

c h a r g e   i n t e r e s t   o n   n e w   r e g u l a r   p u r c h a s e s ,   o r   a n y   p o r t i o n   t h e r e o f ,   p a i d   b y   t h e   D u e   D a t e   o n   y o u r   c u r r e n t

s t a t e m e n t .   I f   y o u   h a v e   p r o m o t i o n a l   C r e d i t   P l a n s   a n d / o r   b a l a n c e   t r a n s f e r s ,   w e   m a y   e x c l u d e   s o m e   o f   t h o s e

b a l a n c e s   f r o m   t h e   a m o u n t   y o u   h a v e   t o   p a y   i n   a   b i l l i n g   p e r i o d   t o   k e e p   y o u r   G r a c e   P e r i o d .   H o w e v e r,   y o u   m u s t   p a y

( i )   a n y   r e q u i r e d   m i n i m u m   p a y m e n t   o n   s u c h   b a l a n c e s ,   ( i i )   t h e   f u l l   a m o u n t   o f   a n y   C a s h   A d v a n c e s   a n d   ( i i i )   t h e   f u l l

a m o u n t   o f   a n y   p r o m o t i o n a l   C r e d i t   P l a n   t h a t   e x p i r e s   i n   t h a t   b i l l i n g   p e r i o d .

Yo u   C o u l d   L o s e   Yo u r   G r a c e   P e r i o d :   I f   y o u   d o   n o t   p a y   y o u r   N e w   B a l a n c e   i n   f u l l   e a c h   b i l l i n g   p e r i o d ,   t h e n ,

I n t e r e s t

d e p e n d i n g   o n   h o w   w e   a p p l y   y o u r   p a y m e n t ,   y o u   m a y   n o t   g e t   a   G r a c e   P e r i o d   o n   n e w   r e g u l a r   p u r c h a s e s .   O n c e   y o u

l o s e   y o u r   G r a c e   P e r i o d ,   y o u   c a n   g e t   i t   b a c k   b y   p a y i n g   t h e   N e w   B a l a n c e   ( l e s s   a n y   p r o m o t i o n a l   C r e d i t   P l a n s   a n d / o r

b a l a n c e   t r a n s f e r s   a s   d e s c r i b e d   a b o v e   p l u s   a n y   i n t e r e s t   c h a r g e d   u p   t o   t h e   d a t e   t h e   p a y m e n t   p o s t s )   i n   f u l l   f o r   t w o

b i l l i n g   p e r i o d s   i n   a   r o w.

Wa i v e d   I n t e r e s t   C r e d i t   P l a n :   W e   d o   n o t   i m p o s e   i n t e r e s t   o n   p l a n   b a l a n c e s   d u r i n g   t h e   p r o m o t i o n a l   p e r i o d .   A f t e r

t h e   p r o m o t i o n a l   p e r i o d ,   a n y   r e m a i n i n g   b a l a n c e   i s   a d d e d   t o   t h e   r e g u l a r   p u r c h a s e   b a l a n c e   a n d   i s   s u b j e c t   t o   i n t e r e s t

a t   t h e   t h e n - c u r r e n t   r a t e   f o r   r e g u l a r   p u r c h a s e s .

D e f e r r e d   I n t e r e s t   C r e d i t   P l a n :   I n t e r e s t   a c c r u e s   o n   p l a n   b a l a n c e s   f r o m   t h e   t r a n s a c t i o n   d a t e .   W e   d o   n o t   i m p o s e

t h a t   i n t e r e s t   i f   y o u   p a y   t h e   b a l a n c e   i n   f u l l   b y   t h e   e n d   o f   t h e   p r o m o t i o n a l   p e r i o d .   A f t e r   t h e   p r o m o t i o n a l   p e r i o d ,   a n y

r e m a i n i n g   b a l a n c e   a n d   i n t e r e s t   f r o m   t h e   t r a n s a c t i o n   d a t e   i s   a d d e d   t o   t h e   r e g u l a r   p u r c h a s e   b a l a n c e   a n d   i s   s u b j e c t

t o   i n t e r e s t   a t   t h e   t h e n - c u r r e n t   r a t e   f o r   r e g u l a r   p u r c h a s e s .

P a y m e n t s

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P a y m e n t   I n s t r u c t i o n s W e   c r e d i t   p a y m e n t s   i n   a c c o r d a n c e   w i t h   t h e   t e r m s   o n   y o u r   s t a t e m e n t .   R e v i e w   y o u r   s t a t e m e n t   f o r   d e t a i l s .

P a y   i n   U . S .   d o l l a r s ,   i n   f u n d s   o n   d e p o s i t   i n   t h e   U . S .   I f   y o u   d o n ’ t ,   w e   m a y   r e f u s e   y o u r   p a y m e n t   o r   c h a r g e   y o u   o u r

H o w   W e   A p p l y

P a y m e n t s

c o s t s   t o   c o l l e c t   t h e   f u n d s .

W e   a p p l y   p a y m e n t s   u p   t o   t h e   M i n i m u m   P a y m e n t   a t   o u r   d i s c r e t i o n ,   w h i c h   m a y   r e s u l t   i n   b a l a n c e s   a t   l o w e r   A P R s

b e i n g   p a i d   f i r s t   a n d   h i g h e r   i n t e r e s t   c h a r g e s .   P a y m e n t s   o v e r   t h e   M i n i m u m   P a y m e n t   w i l l   b e   a p p l i e d   i n   a c c o r d a n c e

w i t h   l a w.

Yo u   a r e   i n   d e f a u l t   i f :

O t h e r   I n f o r m a t i o n

•   y o u   f a i l   t o   c o m p l y   w i t h   t h i s   A g r e e m e n t   o r   a n y   o t h e r   a g r e e m e n t   w i t h   u s   o r   a n   a f f i l i a t e ;

•   a   b a n k r u p t c y   o r   o t h e r   i n s o l v e n c y   p r o c e e d i n g   i s   f i l e d   b y   o r   a g a i n s t   y o u ;

D e f a u l t

•   w e   r e a s o n a b l y   b e l i e v e   y o u   a r e   u n a b l e   o r   u n w i l l i n g   t o   r e p a y   u s ;

•   y o u   d i e   o r   a r e   l e g a l l y   i n c o m p e t e n t   o r   i n c a p a c i t a t e d ;

C o l l e c t i o n   C o s t s

P r i v a c y   P o l i c y

•   y o u   g i v e   u s   m i s l e a d i n g ,   f a l s e ,   i n c o m p l e t e   o r   i n c o r r e c t   i n f o r m a t i o n   o r   f a i l   t o   g i v e   u s   a n y   i n f o r m a t i o n   w e   d e e m

n e c e s s a r y.

I f   y o u   a r e   i n   d e f a u l t ,   w e   m a y   d e c l a r e   t h e   e n t i r e   b a l a n c e   i m m e d i a t e l y   d u e   a n d   p a y a b l e   w i t h o u t   n o t i c e .

I f   w e   u s e   a n   a t t o r n e y   t o   c o l l e c t   y o u r   A c c o u n t ,   w e   m a y   c h a r g e   y o u   o u r   c o s t s   i f   a n d   a s   p e r m i t t e d   b y   l a w.   T h e s e

m a y   i n c l u d e   r e a s o n a b l e   a t t o r n e y s ’   f e e s   a n d   c o u r t   c o s t s .

Yo u   a u t h o r i z e   u s   t o   s h a r e   i n f o r m a t i o n   a b o u t   y o u   a n d   y o u r   A c c o u n t   a s   p e r m i t t e d   b y   l a w.   R e v i e w   o u r   P r i v a c y

S t a t e m e n t   f o r   d e t a i l s   a b o u t   o u r   i n f o r m a t i o n   s h a r i n g   p r a c t i c e s .

W e   m a y   c h e c k   y o u r   c r e d i t ,   e m p l o y m e n t   a n d   i n c o m e   r e c o r d s   i n   c o n n e c t i o n   w i t h   a n   a p p l i c a t i o n ,   u p d a t e ,   r e n e w a l   o r

e x t e n s i o n   o f   c r e d i t   o n   y o u r   A c c o u n t   ( i n c l u d i n g   c o l l e c t i o n s   a n d   d i s p u t e   i n v e s t i g a t i o n s ) .   Yo u   c o n s e n t   t o   o u r

C r e d i t   R e p o r t i n g

o b t a i n i n g   s u c h   r e c o r d s   b y   s u b m i t t i n g   a n   a p p l i c a t i o n   o r   s o l i c i t a t i o n .   U p o n   r e q u e s t ,   w e   w i l l   t e l l   y o u   t h e   n a m e   a n d

a d d r e s s   o f   a n y   c r e d i t   r e p o r t i n g   a g e n c y   t h a t   f u r n i s h e d   a   r e p o r t   o n   y o u .   W e   m a y   r e p o r t   A c c o u n t   s t a t u s   a n d

p a y m e n t   h i s t o r y   t o   c r e d i t   r e p o r t i n g   a g e n c i e s ,   o t h e r   c r e d i t o r s   a n d   t h e   c o m p a n y   w h o s e   n a m e   o r   b r a n d   a p p e a r s   o n

y o u r   C a r d .

U n a u t h o r i z e d   U s e

S u m m a r y   a n d   a s s i s t   u s   i n   o u r   i n v e s t i g a t i o n   i f   y o u r   C a r d   i s   l o s t   o r   s t o l e n   o r   y o u   b e l i e v e   s o m e o n e   i s   u s i n g   y o u r

N o t i f y   u s   i m m e d i a t e l y   a t   t h e   G e n e r a l   m a i l i n g   a d d r e s s   o r   p h o n e   n u m b e r   i n   t h e   H o w   t o   C o n t a c t   U s   s e c t i o n   o f   t h e

C a r d   w i t h o u t   y o u r   p e r m i s s i o n .

C l o s i n g   Yo u r   A c c o u n t

Yo u   m a y   c l o s e   y o u r   A c c o u n t   a t   a n y   t i m e .   Yo u   r e m a i n   r e s p o n s i b l e   f o r   a n y   a m o u n t   o w e d   u n d e r   t h i s   A g r e e m e n t .   W e

m a y   c l o s e ,   s u s p e n d   o r   n o t   r e n e w   y o u r   A c c o u n t   a t   a n y   t i m e ,   f o r   a n y   r e a s o n ,   w i t h o u t   n o t i c e .

F o r e i g n   Tr a n s a c t i o n s

I f   a p p l i c a b l e ,   t r a n s a c t i o n s   i n   f o r e i g n   c u r r e n c y   a r e   c o n v e r t e d   t o   U . S .   d o l l a r s   b y   o u r   n e t w o r k   p r o v i d e r s   ( e . g . ,   V i s a

a n d   M a s t e r c a r d )   u s i n g   t h e i r   p r o c e d u r e s   i n   e f f e c t   w h e n   t h e   t r a n s a c t i o n   i s   p r o c e s s e d .   C u r r e n t l y,   t h e y   u s e   a

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g o v e r n m e n t - m a n d a t e d   o r   w h o l e s a l e   r a t e .   T h e s e   p r o c e d u r e s   m a y   c h a n g e   w i t h o u t   n o t i c e .

T h e   c o n v e r s i o n   r a t e   y o u   g e t   m a y   d i f f e r   f r o m   t h e   r a t e   o n   t h e   t r a n s a c t i o n   o r   p o s t   d a t e   a n d   f r o m   t h e   r a t e   o u r

n e t w o r k   p r o v i d e r   g e t s .   A   t h i r d   p a r t y   m a y   c o n v e r t   a   t r a n s a c t i o n   i n t o   U . S .   d o l l a r s   o r   a n o t h e r   c u r r e n c y,   u s i n g   a   r a t e

t h e y   s e l e c t ,   b e f o r e   s e n d i n g   i t   t o   o u r   n e t w o r k   p r o v i d e r.

F o r   a n y   t r a n s a c t i o n   m a d e   o r   p r o c e s s e d   o u t s i d e   t h e   U . S .   o r   i n   a   f o r e i g n   c u r r e n c y,   w e   c h a r g e   a   f e e   i n   t h e   a m o u n t

o n   t h e   S u m m a r y.  

C o n f o r m a n c e   w i t h

L a w ;   S e v e r a b i l i t y

I f   a n y   p a r t   o f   t h i s   A g r e e m e n t   c o n f l i c t s   w i t h   a p p l i c a b l e   l a w,   t h a t   p r o v i s i o n   w i l l   b e   c o n s i d e r e d   m o d i f i e d   t o   c o n f o r m

t o   a p p l i c a b l e   l a w.   I f   a n y   p a r t   o f   t h i s   A g r e e m e n t   i s   i n v a l i d ,   t h e   r e s t   s h a l l   r e m a i n   i n   e f f e c t ,   e x c e p t   a s   o t h e r w i s e

n o t e d   i n   t h e   A r b i t r a t i o n   P r o v i s i o n .

N o   Wa i v e r

W e   w i l l   n o t   l o s e   o u r   r i g h t s   u n d e r   t h i s   A g r e e m e n t   b e c a u s e   w e   d e l a y   o r   d o   n o t   e n f o r c e   t h e m .

A s s i g n m e n t

W e   m a y   a s s i g n   a n y   o r   a l l   o f   o u r   r i g h t s   a n d   o b l i g a t i o n s   u n d e r   t h i s   A g r e e m e n t   t o   a   t h i r d   p a r t y.   Yo u   m a y   n o t   a s s i g n

a n y   o f   y o u r   r i g h t s   o r   o b l i g a t i o n s   u n d e r   t h i s   A g r e e m e n t .

N e w   J e r s e y   R e s i d e n t s A l l   p r o v i s i o n s   o f   t h i s   a g r e e m e n t   a r e   v a l i d ,   e n f o r c e a b l e   a n d   a p p l i c a b l e   i n   N e w   J e r s e y.

C o m m u n i c a t i o n s   w i t h   U s

M o n i t o r i n g   a n d   R e c o r d i n g :   Yo u r   c o m m u n i c a t i o n s   w i t h   u s   a n d   o u r   a f f i l i a t e s ,   s e r v i c e r s ,   a g e n t s   a n d   c o n t r a c t o r s   m a y   b e   m o n i t o r e d   o r

r e c o r d e d .   I n f o r m   A u t h o r i z e d   U s e r s   a n d   p e r s o n s   a c t i n g   o n   y o u r   b e h a l f   o r   m a k i n g   p a y m e n t s   o n   t h i s   A c c o u n t   o f   t h i s   p r o v i s i o n .

C o m m u n i c a t i o n   A u t h o r i z a t i o n :   Yo u   g i v e   d i r e c t   c o n s e n t   t o   u s   a n d   o u r   a f f i l i a t e s ,   s e r v i c e r s ,   a g e n t s   a n d   c o n t r a c t o r s ,   i n c l u d i n g   c o l l e c t i o n

a g e n t s ,   t o   c o m m u n i c a t e   w i t h   y o u   i n   a n y   w a y   t o   s e r v i c e   o r   c o l l e c t   y o u r   A c c o u n t ,   s u c h   a s   c a l l i n g ,   t e x t i n g   o r   e m a i l   v i a :

a n y   p h o n e   n u m b e r   y o u   g i v e   u s   e v e n   i f   t h e   n u m b e r   i s   o r   c o n v e r t s   t o   a   m o b i l e   p h o n e   n u m b e r ;

a n y   o t h e r   n u m b e r   y o u   p r o v i d e ,   u s e   t o   c o n t a c t   u s   o r   m a y   u t i l i z e ;

a n y   o t h e r   d e v i c e   o r   s e r v i c e   f o r   w h i c h   y o u   m a y   b e   c h a r g e d   f o r   t h e   c a l l ,   i n c l u d i n g   Vo i c e   O v e r   I n t e r n e t   P r o t o c o l   ( V O I P ) ;   a n d

a n y   e m a i l   a d d r e s s   y o u   p r o v i d e   t o   u s   o r   a n y   o t h e r   p e r s o n   o r   c o m p a n y   t h a t   p r o v i d e s   a n y   s e r v i c e s   i n   c o n n e c t i o n   w i t h   t h i s   A g r e e m e n t .

S u b j e c t   t o   a n y   r e s t r i c t i o n s   o f   a p p l i c a b l e   l a w,   w e   m a y   c o n t a c t   y o u   u s i n g   a u t o m a t e d   t e l e p h o n e   d i a l i n g   s y s t e m s   a n d / o r   p r e - r e c o r d e d   o r

a r t i f i c i a l   v o i c e   m e s s a g e s   a n d   a n y   o t h e r   f o r m   o f   c o m m u n i c a t i o n .

C o m m u n i c a t i o n s   m a y   r e s u l t   i n   a d d i t i o n a l   m o b i l e ,   t e x t   m e s s a g e ,   d a t a   o r   o t h e r   c h a r g e s .

Yo u   m a y   c h a n g e   y o u r   p r e f e r e n c e s   b y   c a l l i n g   t h e   G e n e r a l   p h o n e   n u m b e r   o n   t h e   S u m m a r y.

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D i s p u t e d   D e b t s :   A l l   w r i t t e n   c o m m u n i c a t i o n s   a b o u t   d i s p u t e d   a m o u n t s ,   i n c l u d i n g   a n y   c h e c k   o r   p a y m e n t   i n s t r u m e n t   m a r k e d   “ p a y m e n t   i n   f u l l ”

o r   s i m i l a r,   m u s t   b e   s e n t   t o   t h e   a d d r e s s   f o r   D i s p u t e d   D e b t s   o n   t h e   S u m m a r y.   W e   m a y   a c c e p t   p a y m e n t s   s e n t   t o   a n y   o t h e r   a d d r e s s   w i t h o u t

l o s i n g   o u r   r i g h t s .

B a n k r u p t c y   N o t i f i c a t i o n s :   S e n d   b a n k r u p t c y   n o t i c e s   a n d   r e l a t e d   c o r r e s p o n d e n c e   t o   t h e   a d d r e s s   f o r   B a n k r u p t c y   N o t i f i c a t i o n s   o n   t h e

S u m m a r y.

C h a n g e s :   Yo u   a g r e e   t o   n o t i f y   u s   a t   t h e   G e n e r a l   p h o n e   n u m b e r   o r   a d d r e s s   o n   t h e   S u m m a r y   o r   b y   u p d a t i n g   y o u r   i n f o r m a t i o n   o n   A c c o u n t

C e n t e r   i m m e d i a t e l y   u p o n   c h a n g i n g   y o u r   n a m e ,   e m a i l   a d d r e s s ,   m a i l i n g   a d d r e s s   o r   p h o n e   n u m b e r.

C o m m u n i c a t i o n   i n   L a n g u a g e s   O t h e r   T h a n   E n g l i s h :   Yo u   a g r e e   t o   r e c e i v e   a l l   A c c o u n t   c o m m u n i c a t i o n s   i n   E n g l i s h .   W e   m a y,   a t   o u r   o p t i o n ,

c o m m u n i c a t e   w i t h   y o u   i n   o t h e r   l a n g u a g e s   a s   a   c o u r t e s y.   W e   m a y   s t o p   c o m m u n i c a t i n g   w i t h   y o u   i n   n o n - E n g l i s h   l a n g u a g e s   a t   a n y   t i m e .

W h i l e   w e   t r y   t o   e n s u r e   a c c u r a c y   o f   t r a n s l a t i o n s ,   w e   a r e   n o t   r e s p o n s i b l e   f o r   a n y   i n a c c u r a c i e s   i n   t r a n s l a t i o n   o r   m i s u n d e r s t a n d i n g s   d u e   t o

d i f f e r e n c e s   i n   u s a g e   o r   d i a l e c t .   I n   t h e   e v e n t   o f   i n c o n s i s t e n c y   b e t w e e n   t h e   E n g l i s h   v e r s i o n   a n d   t h e   t r a n s l a t i o n ,   t h e   E n g l i s h   v e r s i o n   w i l l

c o n t r o l .

N o t i c e   f o r   A c t i v e   D u t y   M i l i t a r y   M e m b e r s   a n d   T h e i r   D e p e n d e n t s

T h e   f o l l o w i n g   d i s c l o s u r e s   a p p l y   t o   y o u   i f ,   i n   c o n n e c t i o n   w i t h   o p e n i n g   y o u r   A c c o u n t ,   w e   d e t e r m i n e   y o u   a r e   a   “ c o v e r e d   b o r r o w e r ”   a s

d e f i n e d   i n   t h e   M i l i t a r y   L e n d i n g   A c t ,   w h i c h   i n c l u d e s   e l i g i b l e   a c t i v e   d u t y   m e m b e r s   o f   t h e   A r m e d   F o r c e s   a n d   t h e i r   d e p e n d e n t s :

T h e   p r o v i s i o n   o f   t h i s   A g r e e m e n t   t i t l e d   “ A r b i t r a t i o n   a n d   J u r y   Tr i a l   Wa i v e r ”   d o e s   n o t   a p p l y   t o   y o u .

F e d e r a l   l a w   p r o v i d e s   i m p o r t a n t   p r o t e c t i o n s   t o   m e m b e r s   o f   t h e   A r m e d   F o r c e s   a n d   t h e i r   d e p e n d e n t s   r e l a t i n g   t o   e x t e n s i o n s   o f

c o n s u m e r   c r e d i t .   I n   g e n e r a l ,   t h e   c o s t   o f   c o n s u m e r   c r e d i t   t o   a   m e m b e r   o f   t h e   A r m e d   F o r c e s   a n d   h i s   o r   h e r   d e p e n d e n t   m a y   n o t

e x c e e d   a n   a n n u a l   p e r c e n t a g e   r a t e   o f   3 6   p e r c e n t .   T h i s   r a t e   m u s t   i n c l u d e ,   a s   a p p l i c a b l e   t o   t h e   c r e d i t   t r a n s a c t i o n   o r   a c c o u n t :   T h e

c o s t s   a s s o c i a t e d   w i t h   c r e d i t   i n s u r a n c e   p r e m i u m s ;   f e e s   f o r   a n c i l l a r y   p r o d u c t s   s o l d   i n   c o n n e c t i o n   w i t h   t h e   c r e d i t   t r a n s a c t i o n ;   a n y

a p p l i c a t i o n   f e e   c h a r g e d   ( o t h e r   t h a n   c e r t a i n   a p p l i c a t i o n   f e e s   f o r   s p e c i f i e d   c r e d i t   t r a n s a c t i o n s   o r   a c c o u n t s ) ;   a n d   a n y   p a r t i c i p a t i o n   f e e

c h a r g e d   ( o t h e r   t h a n   c e r t a i n   p a r t i c i p a t i o n   f e e s   f o r   a   c r e d i t   c a r d   a c c o u n t ) .

To   h e a r   i n f o r m a t i o n   a b o u t   t h e s e   p r o t e c t i o n s   a n d   a   d e s c r i p t i o n   o f   y o u r   p a y m e n t   o b l i g a t i o n s ,   c a l l   t o l l   f r e e   a t   1 - 8 6 6 - 2 3 0 - 0 4 1 8   ( o r   a t

t h e   G e n e r a l   T D D / T T Y   n u m b e r   o n   t h e   S u m m a r y ) .

K e y   P r o v i s i o n s

P l e a s e   r e v i e w   t h e   f o l l o w i n g   i m p o r t a n t   p r o v i s i o n s   c a r e f u l l y.   P a y   s p e c i a l   a t t e n t i o n   t o   P a r a g r a p h s :

•   A :   J u r y   Tr i a l   Wa i v e r ;

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•   C :   A r b i t r a t i o n   P r o v i s i o n ;

•   C . 1 :   R i g h t   t o   R e j e c t ;

•   C . 6 :   C o u r t   a n d   J u r y   Tr i a l s   P r o h i b i t e d ;   O t h e r   L i m i t a t i o n s   o n   L e g a l   R i g h t s ;   a n d

•   C . 7 :   C l a s s   A c t i o n   Wa i v e r.

To   t h e   e x t e n t   p e r m i t t e d   b y   l a w,   y o u   a n d   w e   w a i v e   a n y   r i g h t   t o   t r i a l   b y   j u r y   i n   t h e   e v e n t   o f   a   l a w s u i t   a r i s i n g

A .   J u r y   Tr i a l   Wa i v e r

o u t   o f   o r   r e l a t e d   t o   t h i s   A g r e e m e n t .   T h i s   j u r y   t r i a l   w a i v e r   s h a l l   n o t   a f f e c t   t h e   A r b i t r a t i o n   P r o v i s i o n   b e l o w

( i n c l u d i n g   t h e   j u r y   t r i a l   w a i v e r   c o n t a i n e d   t h e r e i n ) .   Yo u   a n d   w e   e a c h   r e p r e s e n t   t h a t   t h i s   w a i v e r   i s   g i v e n

k n o w i n g l y,   w i l l i n g l y   a n d   v o l u n t a r i l y.

P r i o r   t o   b r i n g i n g   a   l a w s u i t   o r   i n i t i a t i n g   a n   a r b i t r a t i o n   t h a t   a s s e r t s   a   c l a i m   a r i s i n g   o u t   o f   o r   r e l a t e d   t o   t h i s

A g r e e m e n t   ( a s   f u r t h e r   d e f i n e d   b e l o w,   “ C l a i m ” ) ,   t h e   p a r t y   a s s e r t i n g   t h e   C l a i m   ( “ C l a i m a n t ” )   s h a l l   g i v e   t h e   o t h e r

p a r t y   ( “ D e f e n d a n t ” )   w r i t t e n   n o t i c e   o f   t h e   C l a i m   ( “ C l a i m   N o t i c e ” )   a n d   a   r e a s o n a b l e   o p p o r t u n i t y,   n o t   l e s s   t h a n   3 0

d a y s ,   t o   r e s o l v e   t h e   C l a i m .   A n y   C l a i m   N o t i c e   t o   y o u   s h a l l   b e   s e n t   t o   t h e   a d d r e s s   w e   h a v e   i n   o u r   r e c o r d s   ( o r   a n y

u p d a t e d   a d d r e s s   y o u   s u b s e q u e n t l y   p r o v i d e   t o   u s ) .   A n y   C l a i m   N o t i c e   t o   u s   s h a l l   b e   s e n t   b y   m a i l   t o   t h e   a d d r e s s

B .   N o t i c e   a n d   C u r e

f o r   A r b i t r a t i o n   C l a i m s   o n   t h e   S u m m a r y   ( o r   a n y   u p d a t e d   a d d r e s s   w e   s u b s e q u e n t l y   p r o v i d e ) .   A n y   C l a i m   N o t i c e   y o u

s e n d   m u s t   p r o v i d e   y o u r   n a m e ,   a d d r e s s   a n d   A c c o u n t   n u m b e r   a n d   e x p l a i n   t h e   n a t u r e   o f   t h e   C l a i m   a n d   r e l i e f

d e m a n d e d .   Yo u   m a y   o n l y   s u b m i t   a   C l a i m   N o t i c e   o n   y o u r   o w n   b e h a l f   a n d   n o t   o n   b e h a l f   o f   a n y   o t h e r   p a r t y.   N o

t h i r d   p a r t y,   o t h e r   t h a n   a   l a w y e r   y o u   h a v e   p e r s o n a l l y   r e t a i n e d ,   m a y   s u b m i t   a   C l a i m   N o t i c e   o n   y o u r   b e h a l f .   T h e

C l a i m a n t   m u s t   r e a s o n a b l y   c o o p e r a t e   i n   p r o v i d i n g   a n y   i n f o r m a t i o n   a b o u t   t h e   C l a i m   t h a t   t h e   D e f e n d a n t   r e a s o n a b l y

r e q u e s t s .

C .   A r b i t r a t i o n

P r o v i s i o n

R e v i e w   t h i s   p r o v i s i o n   c a r e f u l l y.   I f   y o u   d o   n o t   r e j e c t   i t   i n   a c c o r d a n c e   w i t h   P a r a g r a p h   C . 1 ,   R i g h t   t o   R e j e c t ,

b e l o w,   i t   w i l l   b e   p a r t   o f   t h i s   A g r e e m e n t   a n d   w i l l   h a v e   a   s u b s t a n t i a l   i m p a c t   o n   t h e   w a y   y o u   o r   w e   w i l l

r e s o l v e   a n y   C l a i m   y o u   o r   w e   h a v e   a g a i n s t   e a c h   o t h e r   n o w   o r   i n   t h e   f u t u r e .

I f   y o u   d o n ’ t   w a n t   t h i s   A r b i t r a t i o n   P r o v i s i o n   ( a n d   a n y   p r i o r   a r b i t r a t i o n   a g r e e m e n t   b e t w e e n   y o u   a n d   u s

( “ P r i o r   A r b i t r a t i o n   A g r e e m e n t ” ) )   t o   a p p l y,   y o u   m a y   r e j e c t   i t   b y   m a i l i n g   u s   a   w r i t t e n   r e j e c t i o n   n o t i c e   w h i c h

g i v e s   y o u r   n a m e   a n d   c o n t a i n s   a   s t a t e m e n t   t h a t   y o u   ( b o t h   o f   y o u ,   i f   m o r e   t h a n   o n e )   r e j e c t   t h e   A r b i t r a t i o n

1 .   R i g h t   t o   R e j e c t

P r o v i s i o n   o f   t h i s   A g r e e m e n t .   T h e   r e j e c t i o n   n o t i c e   m u s t   b e   s e n t   t o   u s   a t   t h e   a d d r e s s   f o r   A r b i t r a t i o n

R e j e c t i o n   o n   t h e   S u m m a r y.   A   r e j e c t i o n   n o t i c e   i s   o n l y   e f f e c t i v e   i f   i t   i s   s i g n e d   b y   y o u   ( a l l   o f   y o u ,   i f   m o r e

t h a n   o n e )   a n d   i f   w e   r e c e i v e   i t   w i t h i n   3 0   c a l e n d a r   d a y s   a f t e r   t h e   d a t e   w e   f i r s t   p r o v i d e   y o u   w i t h   a   c r e d i t   c a r d

a g r e e m e n t   o r   w r i t t e n   n o t i c e   p r o v i d i n g   y o u   a   r i g h t   t o   r e j e c t   t h i s   A r b i t r a t i o n   P r o v i s i o n .   Yo u r   r e j e c t i o n   o f   t h i s

A r b i t r a t i o n   P r o v i s i o n   w i l l   n o t   a f f e c t   a n y   o t h e r   p r o v i s i o n   o f   t h i s   A g r e e m e n t   o r   y o u r   a b i l i t y   t o   o b t a i n   c r e d i t .

2 .   P a r t i e s

S o l e l y   a s   u s e d   i n   t h i s   A r b i t r a t i o n   P r o v i s i o n   ( a n d   n o t   e l s e w h e r e   i n   t h i s   A g r e e m e n t ) ,   t h e   t e r m s   “ w e , ”   “ u s ”   a n d   “ o u r ”

m e a n

a .   t h e   i s s u e r   o f   y o u r   C a r d   n a m e d   o n   t h e   S u m m a r y   a n d   i t s   s u c c e s s o r s   a n d / o r   a s s i g n s ,   a s   w e l l   a s   a n y   p a r e n t ,

s u b s i d i a r y   o r   a f f i l i a t e   o f   t h e i r s   a n d   t h e i r   e m p l o y e e s ,   o f f i c e r s   a n d   d i r e c t o r s   ( t h e   “ B a n k   P a r t i e s ” ) ;   a n d

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b .   a n y   o t h e r   p e r s o n   o r   c o m p a n y   t h a t   p r o v i d e s   a n y   s e r v i c e s   i n   c o n n e c t i o n   w i t h   t h i s   A g r e e m e n t   i f   y o u   a s s e r t   a

C l a i m   a g a i n s t   s u c h   o t h e r   p e r s o n   o r   c o m p a n y   a t   t h e   s a m e   t i m e   y o u   a s s e r t   a   C l a i m   a g a i n s t   a n y   B a n k   P a r t y.

“ C l a i m ”   m e a n s   a n y   c l a i m ,   d i s p u t e   o r   c o n t r o v e r s y   b e t w e e n   y o u   a n d   u s   t h a t   i n   a n y   w a y   a r i s e s   f r o m   o r   r e l a t e s   t o

t h i s   A g r e e m e n t ,   t h e   A c c o u n t ,   t h e   i s s u a n c e   o f   a n y   C a r d ,   a n y   r e w a r d s   p r o g r a m   a n d / o r   a n y   p r i o r   a g r e e m e n t   o r

a c c o u n t .   “ C l a i m ”   i n c l u d e s   d i s p u t e s   a r i s i n g   f r o m   a c t i o n s   o r   o m i s s i o n s   p r i o r   t o   t h e   d a t e   a n y   C a r d   w a s   i s s u e d   t o

y o u ,   i n c l u d i n g   t h e   a d v e r t i s i n g   r e l a t e d   t o ,   a p p l i c a t i o n   f o r   o r   a p p r o v a l   o f   t h e   A c c o u n t .   “ C l a i m ”   h a s   t h e   b r o a d e s t

p o s s i b l e   m e a n i n g ,   a n d   i n c l u d e s   i n i t i a l   c l a i m s ,   c o u n t e r c l a i m s ,   c r o s s - c l a i m s   a n d   t h i r d - p a r t y   c l a i m s .   I t   i n c l u d e s

d i s p u t e s   b a s e d   o n   c o n t r a c t ,   t o r t ,   c o n s u m e r   r i g h t s ,   f r a u d   a n d   o t h e r   i n t e n t i o n a l   t o r t s ,   c o n s t i t u t i o n ,   s t a t u t e ,

3 .   C o v e r e d   C l a i m s

r e g u l a t i o n ,   o r d i n a n c e ,   c o m m o n   l a w   a n d   e q u i t y   ( i n c l u d i n g   a n y   c l a i m   f o r   i n j u n c t i v e   o r   d e c l a r a t o r y   r e l i e f ) .   “ C l a i m ”

d o e s   n o t   i n c l u d e   d i s p u t e s   a b o u t   t h e   v a l i d i t y,   e n f o r c e a b i l i t y,   c o v e r a g e   o r   s c o p e   o f   t h i s   A r b i t r a t i o n   P r o v i s i o n   o r   a n y

p a r t   t h e r e o f   ( i n c l u d i n g ,   w i t h o u t   l i m i t a t i o n ,   t h e   p r o h i b i t i o n   a g a i n s t   c l a s s   p r o c e e d i n g s ,   p r i v a t e   a t t o r n e y   g e n e r a l

p r o c e e d i n g s   a n d / o r   m u l t i p l e   p a r t y   p r o c e e d i n g s   d e s c r i b e d   i n   P a r a g r a p h   C . 7 ,   P r o h i b i t i o n s   A g a i n s t   C e r t a i n

P r o c e e d i n g s   ( C l a s s   A c t i o n   Wa i v e r ) ,   P a r a g r a p h   C . 1 3 ,   S e v e r a b i l i t y,   a n d / o r   t h i s   s e n t e n c e ) ;   a l l   s u c h   d i s p u t e s   a r e   f o r

a   c o u r t   a n d   n o t   a n   a r b i t r a t o r   t o   d e c i d e .   H o w e v e r,   a n y   d i s p u t e   o r   a r g u m e n t   t h a t   c o n c e r n s   t h e   v a l i d i t y   o r

e n f o r c e a b i l i t y   o f   t h e   A g r e e m e n t   a s   a   w h o l e   i s   f o r   t h e   a r b i t r a t o r,   n o t   a   c o u r t ,   t o   d e c i d e .

4 .   S t a r t i n g   a n

A r b i t r a t i o n

A r b i t r a t i o n   m a y   b e   e l e c t e d   b y   a n y   p a r t y   w i t h   r e s p e c t   t o   a n y   C l a i m ,   e v e n   i f   t h a t   p a r t y   h a s   a l r e a d y   i n i t i a t e d   a

l a w s u i t   w i t h   r e s p e c t   t o   a   d i f f e r e n t   C l a i m .   A r b i t r a t i o n   i s   s t a r t e d   b y   g i v i n g   a   w r i t t e n   d e m a n d   f o r   a r b i t r a t i o n   t o   t h e

o t h e r   p a r t y.   W e   w i l l   n o t   d e m a n d   t o   a r b i t r a t e   a n   i n d i v i d u a l   C l a i m   t h a t   y o u   b r i n g   a g a i n s t   u s   i n   s m a l l   c l a i m s   c o u r t   o r

y o u r   s t a t e ’ s   e q u i v a l e n t   c o u r t ,   i f   a n y.   B u t   i f   t h a t   C l a i m   i s   t r a n s f e r r e d ,   r e m o v e d   o r   a p p e a l e d   t o   a   d i f f e r e n t   c o u r t ,   w e

t h e n   h a v e   t h e   r i g h t   t o   d e m a n d   a r b i t r a t i o n .

“ A d m i n i s t r a t o r ”   m e a n s   t h e   A m e r i c a n   A r b i t r a t i o n   A s s o c i a t i o n   ( “ A A A ” ) ,   1 2 0   B r o a d w a y,   2 1 s t   F l o o r,   N e w   Yo r k ,   N Y

1 0 2 7 1 ,   w w w. a d r. o r g ;   J A M S ,   6 2 0   E i g h t h   A v e n u e ,   3 4 t h   F l o o r,   N e w   Yo r k ,   N Y   1 0 0 1 8 ,   w w w. j a m s a d r. c o m ;   o r   a n y   o t h e r

c o m p a n y   s e l e c t e d   b y   m u t u a l   a g r e e m e n t   o f   t h e   p a r t i e s .   I f   b o t h   A A A   a n d   J A M S   c a n n o t   o r   w i l l   n o t   s e r v e   a n d   t h e

p a r t i e s   a r e   u n a b l e   t o   s e l e c t   a n   A d m i n i s t r a t o r   b y   m u t u a l   c o n s e n t ,   t h e   A d m i n i s t r a t o r   w i l l   b e   s e l e c t e d   b y   a   c o u r t .

T h e   a r b i t r a t o r   w i l l   b e   a p p o i n t e d   b y   t h e   A d m i n i s t r a t o r   i n   a c c o r d a n c e   w i t h   t h e   r u l e s   o f   t h e   A d m i n i s t r a t o r.   H o w e v e r,

t h e   a r b i t r a t o r   m u s t   b e   a   r e t i r e d   o r   f o r m e r   j u d g e   o r   a   l a w y e r   w i t h   a t   l e a s t   1 0   y e a r s   o f   e x p e r i e n c e .   Yo u   g e t   t o

5 .   A d m i n i s t r a t o r

s e l e c t   t h e   A d m i n i s t r a t o r   i f   y o u   g i v e   u s   w r i t t e n   n o t i c e   o f   y o u r   s e l e c t i o n   w i t h   y o u r   n o t i c e   t h a t   y o u   a r e   e l e c t i n g   t o

a r b i t r a t e   a n y   C l a i m   o r   w i t h i n   2 0   d a y s   a f t e r   w e   g i v e   y o u   n o t i c e   t h a t   w e   a r e   e l e c t i n g   t o   a r b i t r a t e   a n y   C l a i m   ( o r,   i f

y o u   d i s p u t e   o u r   r i g h t   t o   r e q u i r e   a r b i t r a t i o n   o f   t h e   C l a i m ,   w i t h i n   2 0   d a y s   a f t e r   t h a t   d i s p u t e   i s   f i n a l l y   r e s o l v e d ) .   I f

y o u   d o   n o t   s e l e c t   t h e   A d m i n i s t r a t o r   o n   t i m e ,   w e   m a y   d o   i t .   N o t w i t h s t a n d i n g   a n y   l a n g u a g e   i n   t h i s   A r b i t r a t i o n

P r o v i s i o n   t o   t h e   c o n t r a r y,   n o   a r b i t r a t i o n   m a y   b e   a d m i n i s t e r e d   w i t h o u t   t h e   c o n s e n t   o f   a l l   p a r t i e s   t o   t h e   a r b i t r a t i o n ,

b y   a n y   A d m i n i s t r a t o r   t h a t   h a s   i n   p l a c e   a   f o r m a l   o r   i n f o r m a l   p o l i c y   t h a t   i s   i n c o n s i s t e n t   w i t h   t h e   C l a s s   A c t i o n

Wa i v e r.

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6 .   C o u r t   a n d   J u r y

I f   y o u   o r   w e   e l e c t   t o   a r b i t r a t e   a   C l a i m ,   y o u   w i l l   n o t   h a v e   t h e   r i g h t   t o   p u r s u e   t h a t   C l a i m   i n   c o u r t   o r   h a v e   a

Tr i a l s   P r o h i b i t e d ;   O t h e r

j u r y   d e c i d e   t h e   C l a i m .   A l s o ,   y o u r   a b i l i t y   t o   o b t a i n   i n f o r m a t i o n   f r o m   u s   i s   m o r e   l i m i t e d   i n   a r b i t r a t i o n   t h a n   i n

L i m i t a t i o n s   o n   L e g a l

a   l a w s u i t .   O t h e r   r i g h t s   t h a t   y o u   w o u l d   h a v e   i f   y o u   w e n t   t o   c o u r t   m a y   a l s o   n o t   b e   a v a i l a b l e   i n   a r b i t r a t i o n .

R i g h t s

7 .   P r o h i b i t i o n   A g a i n s t

C e r t a i n   P r o c e e d i n g s

( C l a s s   A c t i o n   Wa i v e r )

I f   y o u   o r   w e   e l e c t   t o   a r b i t r a t e   a   C l a i m :

a .   n e i t h e r   y o u   n o r   w e   m a y   p a r t i c i p a t e   i n   a   c l a s s   a c t i o n   i n   c o u r t   o r   i n   c l a s s - w i d e   a r b i t r a t i o n ,   e i t h e r   a s   a

p l a i n t i f f ,   d e f e n d a n t   o r   c l a s s   m e m b e r ;

b .   n e i t h e r   y o u   n o r   w e   m a y   a c t   a s   a   p r i v a t e   a t t o r n e y   g e n e r a l   i n   c o u r t   o r   i n   a r b i t r a t i o n ;

c .   C l a i m s   b r o u g h t   b y   o r   a g a i n s t   y o u   m a y   n o t   b e   j o i n e d   o r   c o n s o l i d a t e d   w i t h   C l a i m s   b r o u g h t   b y   o r   a g a i n s t

a n y   o t h e r   p e r s o n ;   a n d

d .   t h e   a r b i t r a t o r   s h a l l   h a v e   n o   p o w e r   o r   a u t h o r i t y   t o   c o n d u c t   a   c l a s s - w i d e   a r b i t r a t i o n ,   p r i v a t e   a t t o r n e y

g e n e r a l   a r b i t r a t i o n   o r   m u l t i p l e - p a r t y   a r b i t r a t i o n .

A n y   a r b i t r a t i o n   h e a r i n g   t h a t   y o u   a t t e n d   m u s t   t a k e   p l a c e   a t   a   l o c a t i o n   r e a s o n a b l y   c o n v e n i e n t   t o   y o u .   W e   w i l l   p a y

a n y   a n d   a l l   f e e s   o f   t h e   A d m i n i s t r a t o r   a n d / o r   t h e   a r b i t r a t o r   i f   a p p l i c a b l e   l a w   r e q u i r e s   u s   t o ,   i f   y o u   p r e v a i l   i n   t h e

8 .   L o c a t i o n   a n d   C o s t s

a r b i t r a t i o n   o r   i f   w e   m u s t   b e a r   s u c h   f e e s   i n   o r d e r   f o r   t h i s   A r b i t r a t i o n   P r o v i s i o n   t o   b e   e n f o r c e d .   I f   y o u   d e m a n d   a n

a r b i t r a t i o n ,   w e   w i l l   p a y   y o u r   r e a s o n a b l e   a t t o r n e y s ’   a n d   e x p e r t s ’   f e e s   i f   y o u   p r e v a i l   o r   i f   w e   m u s t   b e a r   s u c h   f e e s

i n   o r d e r   f o r   t h i s   A r b i t r a t i o n   P r o v i s i o n   t o   b e   e n f o r c e d .   A l s o ,   w e   w i l l   b e a r   a n y   f e e s   i f   a p p l i c a b l e   l a w   r e q u i r e s   u s   t o .

T h i s   A r b i t r a t i o n   P r o v i s i o n   i n v o l v e s   i n t e r s t a t e   c o m m e r c e   a n d   i s   g o v e r n e d   b y   t h e   F e d e r a l   A r b i t r a t i o n   A c t ,   9   U . S . C .

§ §   1 - 1 6   ( “ FA A ” ) ,   a n d   n o t   b y   a n y   s t a t e   a r b i t r a t i o n   l a w.   T h e   a r b i t r a t o r   m u s t   a p p l y   a p p l i c a b l e   s u b s t a n t i v e   l a w

c o n s i s t e n t   w i t h   t h e   FA A   a n d   a p p l i c a b l e   s t a t u t e s   o f   l i m i t a t i o n s   a n d   c l a i m s   o f   p r i v i l e g e   r e c o g n i z e d   a t   l a w.   T h e

9 .   G o v e r n i n g   L a w

a r b i t r a t o r   m a y   a w a r d   a n y   r e m e d y   p r o v i d e d   b y   t h e   s u b s t a n t i v e   l a w   t h a t   w o u l d   a p p l y   i f   t h e   a c t i o n   w e r e   p e n d i n g   i n

c o u r t   ( i n c l u d i n g ,   w i t h o u t   l i m i t a t i o n ,   p u n i t i v e   d a m a g e s ,   w h i c h   s h a l l   b e   g o v e r n e d   b y   t h e   C o n s t i t u t i o n a l   s t a n d a r d s

e m p l o y e d   b y   t h e   c o u r t s ) .   A t   t h e   t i m e l y   r e q u e s t   o f   e i t h e r   p a r t y,   t h e   a r b i t r a t o r   m u s t   p r o v i d e   a   b r i e f   w r i t t e n

e x p l a n a t i o n   o f   t h e   b a s i s   f o r   t h e   a w a r d .

1 0 .   D i s c o v e r y

p a r t y   m a y   s u b m i t   a   w r i t t e n   r e q u e s t   t o   t h e   a r b i t r a t o r   t o   e x p a n d   t h e   s c o p e   o f   d i s c o v e r y   n o r m a l l y   a l l o w a b l e   u n d e r

I n   a d d i t i o n   t o   t h e   p a r t i e s ’   r i g h t s   t o   o b t a i n   d i s c o v e r y   p u r s u a n t   t o   t h e   a r b i t r a t i o n   r u l e s   o f   t h e   A d m i n i s t r a t o r,   e i t h e r

t h e   a r b i t r a t i o n   r u l e s   o f   t h e   A d m i n i s t r a t o r.   T h e   a r b i t r a t o r   s h a l l   h a v e   d i s c r e t i o n   t o   g r a n t   o r   d e n y   t h a t   r e q u e s t .

J u d g m e n t   u p o n   t h e   a r b i t r a t o r ’ s   a w a r d   m a y   b e   e n t e r e d   b y   a n y   c o u r t   h a v i n g   j u r i s d i c t i o n .   T h e   a r b i t r a t o r ’ s   d e c i s i o n   i s

11 .   R e s u l t   a n d   A p p e a l s

f i n a l   a n d   b i n d i n g ,   e x c e p t   f o r   a n y   r i g h t   o f   a p p e a l   p r o v i d e d   b y   t h e   FA A   a n d / o r   t h e   r u l e s   o f   t h e   A d m i n i s t r a t o r.   A n y

f i n d i n g ,   a w a r d   o r   j u d g m e n t   f r o m   a n   a r b i t r a t i o n   o f   a n y   C l a i m   s h a l l   a p p l y   o n l y   t o   t h a t   a r b i t r a t i o n .   N o   f i n d i n g ,   a w a r d

o r   j u d g m e n t   f r o m   a n y   o t h e r   a r b i t r a t i o n   s h a l l   i m p a c t   t h e   a r b i t r a t i o n   o f   a n y   C l a i m .

1 2 .   I n t e r p r e t a t i o n

T h i s   A r b i t r a t i o n   P r o v i s i o n   s h a l l   s u r v i v e   t h e   r e p a y m e n t   o f   a l l   a m o u n t s   o w e d   u n d e r   t h i s   A g r e e m e n t ,   t h e   c l o s i n g   o f

t h e   A c c o u n t ,   a n y   l e g a l   p r o c e e d i n g   a n d   a n y   b a n k r u p t c y   t o   t h e   e x t e n t   c o n s i s t e n t   w i t h   a p p l i c a b l e   b a n k r u p t c y   l a w.   I n

t h e   e v e n t   o f   a   c o n f l i c t   o r   i n c o n s i s t e n c y   b e t w e e n   t h i s   A r b i t r a t i o n   P r o v i s i o n   a n d   t h e   a p p l i c a b l e   a r b i t r a t i o n   r u l e s   o r

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t h e   o t h e r   p r o v i s i o n s   o f   t h i s   A g r e e m e n t ,   t h i s   A r b i t r a t i o n   P r o v i s i o n   s h a l l   g o v e r n .   T h i s   A r b i t r a t i o n   P r o v i s i o n   r e p l a c e s

a n y   P r i o r   A r b i t r a t i o n   A g r e e m e n t .

I f   a n y   p o r t i o n   o f   t h i s   A r b i t r a t i o n   P r o v i s i o n   i s   h e l d   t o   b e   i n v a l i d   o r   u n e n f o r c e a b l e ,   t h e   r e m a i n i n g   p o r t i o n s   s h a l l

n e v e r t h e l e s s   r e m a i n   i n   f o r c e ,   s u b j e c t   t o   t w o   e x c e p t i o n s .   F i r s t ,   i f   a   d e t e r m i n a t i o n   i s   m a d e   t h a t   t h e   C l a s s   A c t i o n

Wa i v e r   i s   u n e n f o r c e a b l e ,   a n d   t h a t   d e t e r m i n a t i o n   i s   n o t   r e v e r s e d   o n   a p p e a l ,   t h e n   t h e   A r b i t r a t i o n   P r o v i s i o n   s h a l l   b e

1 3 .   S e v e r a b i l i t y

v o i d   i n   i t s   e n t i r e t y.   S e c o n d ,   i f   a   c o u r t   d e t e r m i n e s   t h a t   a   p u b l i c   i n j u n c t i v e   r e l i e f   C l a i m   m a y   p r o c e e d

n o t w i t h s t a n d i n g   t h e   C l a s s   A c t i o n   Wa i v e r,   a n d   t h a t   d e t e r m i n a t i o n   i s   n o t   r e v e r s e d   o n   a p p e a l ,   t h e n   t h e   p u b l i c

i n j u n c t i v e   r e l i e f   C l a i m   w i l l   b e   d e c i d e d   b y   a   c o u r t ,   a n y   i n d i v i d u a l   C l a i m s   w i l l   b e   a r b i t r a t e d ,   a n d   t h e   p a r t i e s   w i l l   a s k

t h e   c o u r t   t o   s t a y   t h e   p u b l i c   i n j u n c t i v e   r e l i e f   C l a i m   u n t i l   t h e   o t h e r   C l a i m s   h a v e   b e e n   f i n a l l y   c o n c l u d e d .

T h e   a r b i t r a t o r   s h a l l   a w a r d   y o u   a t   l e a s t   $ 5 , 1 0 0   ( p l u s   a n y   f e e s   a n d   c o s t s   t o   w h i c h   y o u   a r e   e n t i t l e d )   i f :

a .   y o u   s u b m i t   a   C l a i m   N o t i c e   i n   a c c o r d a n c e   w i t h   P a r a g r a p h   B ,   N o t i c e   a n d   C u r e ,   a b o v e   o n   y o u r   o w n   b e h a l f   ( a n d

1 4 .   S p e c i a l   P a y m e n t

n o t   o n   b e h a l f   o f   a n y   o t h e r   p a r t y ) ;

b .   w e   r e f u s e   t o   p r o v i d e   y o u   w i t h   t h e   r e l i e f   y o u   r e q u e s t   b e f o r e   a n   a r b i t r a t o r   i s   a p p o i n t e d ;   a n d

c .   a n   a r b i t r a t o r   s u b s e q u e n t l y   d e t e r m i n e s   t h a t   y o u   w e r e   e n t i t l e d   t o   s u c h   r e l i e f   ( o r   g r e a t e r   r e l i e f ) .

Yo u r   B i l l i n g   R i g h t s :   K e e p   T h i s   D o c u m e n t   F o r   F u t u r e   U s e

T h i s   n o t i c e   t e l l s   y o u   a b o u t   y o u r   r i g h t s   a n d   o u r   r e s p o n s i b i l i t i e s   u n d e r   t h e   F a i r   C r e d i t   B i l l i n g   A c t .

W h a t   To   D o   I f   Yo u   F i n d   A   M i s t a k e   O n   Yo u r   S t a t e m e n t

I f   y o u   t h i n k   t h e r e   i s   a n   e r r o r   o n   y o u r   s t a t e m e n t ,   w r i t e   t o   u s   a t   t h e   a d d r e s s   f o r   B i l l i n g   E r r o r s   o n   t h e   S u m m a r y

I n   y o u r   l e t t e r,   g i v e   u s   t h e   f o l l o w i n g   i n f o r m a t i o n :

A c c o u n t   i n f o r m a t i o n :   Yo u r   n a m e   a n d   a c c o u n t   n u m b e r.

D o l l a r   a m o u n t :   T h e   d o l l a r   a m o u n t   o f   t h e   s u s p e c t e d   e r r o r.

D e s c r i p t i o n   o f   p r o b l e m :   I f   y o u   t h i n k   t h e r e   i s   a n   e r r o r   o n   y o u r   b i l l ,   d e s c r i b e   w h a t   y o u   b e l i e v e   i s   w r o n g   a n d   w h y   y o u   b e l i e v e   i t   i s   a

m i s t a k e .

Yo u   m u s t   c o n t a c t   u s :

W i t h i n   6 0   d a y s   a f t e r   t h e   e r r o r   a p p e a r e d   o n   y o u r   s t a t e m e n t .

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A t   l e a s t   3   b u s i n e s s   d a y s   b e f o r e   a n   a u t o m a t e d   p a y m e n t   i s   s c h e d u l e d ,   i f   y o u   w a n t   t o   s t o p   p a y m e n t   o n   t h e   a m o u n t   y o u   t h i n k   i s

w r o n g .

Yo u   m u s t   n o t i f y   u s   o f   a n y   p o t e n t i a l   e r r o r s   i n   w r i t i n g .   Yo u   m a y   c a l l   u s ,   b u t   i f   y o u   d o   w e   a r e   n o t   r e q u i r e d   t o   i n v e s t i g a t e   a n y   p o t e n t i a l

e r r o r s   a n d   y o u   m a y   h a v e   t o   p a y   t h e   a m o u n t   i n   q u e s t i o n .

W h a t   W i l l   H a p p e n   A f t e r   W e   R e c e i v e   Yo u r   L e t t e r

W h e n   w e   r e c e i v e   y o u r   l e t t e r,   w e   m u s t   d o   t w o   t h i n g s :

1 .   W i t h i n   3 0   d a y s   o f   r e c e i v i n g   y o u r   l e t t e r,   w e   m u s t   t e l l   y o u   t h a t   w e   r e c e i v e d   y o u r   l e t t e r.   W e   w i l l   a l s o   t e l l   y o u   i f   w e   h a v e   a l r e a d y

c o r r e c t e d   t h e   e r r o r.

2 .   W i t h i n   9 0   d a y s   o f   r e c e i v i n g   y o u r   l e t t e r,   w e   m u s t   e i t h e r   c o r r e c t   t h e   e r r o r   o r   e x p l a i n   t o   y o u   w h y   w e   b e l i e v e   t h e   b i l l   i s   c o r r e c t .

W h i l e   w e   i n v e s t i g a t e   w h e t h e r   o r   n o t   t h e r e   h a s   b e e n   a n   e r r o r :

W e   c a n n o t   t r y   t o   c o l l e c t   t h e   a m o u n t   i n   q u e s t i o n ,   o r   r e p o r t   y o u   a s   d e l i n q u e n t   o n   t h a t   a m o u n t .

T h e   c h a r g e   i n   q u e s t i o n   m a y   r e m a i n   o n   y o u r   s t a t e m e n t ,   a n d   w e   m a y   c o n t i n u e   t o   c h a r g e   y o u   i n t e r e s t   o n   t h a t   a m o u n t .

W h i l e   y o u   d o   n o t   h a v e   t o   p a y   t h e   a m o u n t   i n   q u e s t i o n ,   y o u   a r e   r e s p o n s i b l e   f o r   t h e   r e m a i n d e r   o f   y o u r   b a l a n c e .

W e   c a n   a p p l y   a n y   u n p a i d   a m o u n t   a g a i n s t   y o u r   c r e d i t   l i m i t .

A f t e r   w e   f i n i s h   o u r   i n v e s t i g a t i o n ,   o n e   o f   t w o   t h i n g s   w i l l   h a p p e n :

I f   w e   m a d e   a   m i s t a k e :   Yo u   w i l l   n o t   h a v e   t o   p a y   t h e   a m o u n t   i n   q u e s t i o n   o r   a n y   i n t e r e s t   o r   o t h e r   f e e s   r e l a t e d   t o   t h a t   a m o u n t .

I f   w e   d o   n o t   b e l i e v e   t h e r e   w a s   a   m i s t a k e :   Yo u   w i l l   h a v e   t o   p a y   t h e   a m o u n t   i n   q u e s t i o n ,   a l o n g   w i t h   a p p l i c a b l e   i n t e r e s t   a n d   f e e s .   W e

w i l l   s e n d   y o u   a   s t a t e m e n t   o f   t h e   a m o u n t   y o u   o w e   a n d   t h e   d a t e   p a y m e n t   i s   d u e .   W e   m a y   t h e n   r e p o r t   y o u   a s   d e l i n q u e n t   i f   y o u   d o

n o t   p a y   t h e   a m o u n t   w e   t h i n k   y o u   o w e .

I f   y o u   r e c e i v e   o u r   e x p l a n a t i o n   b u t   s t i l l   b e l i e v e   y o u r   b i l l   i s   w r o n g ,   y o u   m u s t   w r i t e   t o   u s   w i t h i n   1 0   d a y s   t e l l i n g   u s   t h a t   y o u   s t i l l   r e f u s e   t o

p a y.   I f   y o u   d o   s o ,   w e   c a n n o t   r e p o r t   y o u   a s   d e l i n q u e n t   w i t h o u t   a l s o   r e p o r t i n g   t h a t   y o u   a r e   q u e s t i o n i n g   y o u r   b i l l .   W e   m u s t   t e l l   y o u   t h e

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n a m e   o f   a n y o n e   t o   w h o m   w e   r e p o r t e d   y o u   a s   d e l i n q u e n t ,   a n d   w e   m u s t   l e t   t h o s e   o r g a n i z a t i o n s   k n o w   w h e n   t h e   m a t t e r   h a s   b e e n   s e t t l e d

b e t w e e n   u s .

I f   w e   d o   n o t   f o l l o w   a l l   o f   t h e   r u l e s   a b o v e ,   y o u   d o   n o t   h a v e   t o   p a y   t h e   f i r s t   $ 5 0   o f   t h e   a m o u n t   y o u   q u e s t i o n   e v e n   i f   y o u r   b i l l   i s   c o r r e c t .

Yo u r   R i g h t s   I f   Yo u   A r e   D i s s a t i s f i e d   W i t h   Yo u r   C r e d i t   C a r d   P u r c h a s e s

I f   y o u   a r e   d i s s a t i s f i e d   w i t h   t h e   g o o d s   o r   s e r v i c e s   t h a t   y o u   h a v e   p u r c h a s e d   w i t h   y o u r   c r e d i t   c a r d ,   a n d   y o u   h a v e   t r i e d   i n   g o o d   f a i t h   t o

c o r r e c t   t h e   p r o b l e m   w i t h   t h e   m e r c h a n t ,   y o u   m a y   h a v e   t h e   r i g h t   n o t   t o   p a y   t h e   r e m a i n i n g   a m o u n t   d u e   o n   t h e   p u r c h a s e .

To   u s e   t h i s   r i g h t ,   a l l   o f   t h e   f o l l o w i n g   m u s t   b e   t r u e :

1 .   T h e   p u r c h a s e   m u s t   h a v e   b e e n   m a d e   i n   y o u r   h o m e   s t a t e   o r   w i t h i n   1 0 0   m i l e s   o f   y o u r   c u r r e n t   m a i l i n g   a d d r e s s ,   a n d   t h e   p u r c h a s e   p r i c e

m u s t   h a v e   b e e n   m o r e   t h a n   $ 5 0 .   ( N o t e :   N e i t h e r   o f   t h e s e   a r e   n e c e s s a r y   i f   y o u r   p u r c h a s e   w a s   b a s e d   o n   a n   a d v e r t i s e m e n t   w e   m a i l e d   t o

y o u ,   o r   i f   w e   o w n   t h e   c o m p a n y   t h a t   s o l d   y o u   t h e   g o o d s   o r   s e r v i c e s . )

2 .   Yo u   m u s t   h a v e   u s e d   y o u r   c r e d i t   c a r d   f o r   t h e   p u r c h a s e .   P u r c h a s e s   m a d e   w i t h   c a s h   a d v a n c e s   f r o m   a n   AT M   o r   w i t h   a   c h e c k   t h a t

a c c e s s e s   y o u r   c r e d i t   c a r d   a c c o u n t   d o   n o t   q u a l i f y.

3 .   Yo u   m u s t   n o t   y e t   h a v e   f u l l y   p a i d   f o r   t h e   p u r c h a s e .

I f   a l l   o f   t h e   c r i t e r i a   a b o v e   a r e   m e t   a n d   y o u   a r e   s t i l l   d i s s a t i s f i e d   w i t h   t h e   p u r c h a s e ,   c o n t a c t   u s   i n   w r i t i n g   a t   t h e   a d d r e s s   f o r   B i l l i n g   E r r o r s

o n   t h e   S u m m a r y.

W h i l e   w e   i n v e s t i g a t e ,   t h e   s a m e   r u l e s   a p p l y   t o   t h e   d i s p u t e d   a m o u n t   a s   d i s c u s s e d   a b o v e .   A f t e r   w e   f i n i s h   o u r   i n v e s t i g a t i o n ,   w e   w i l l   t e l l   y o u

o u r   d e c i s i o n .   A t   t h a t   p o i n t ,   i f   w e   t h i n k   y o u   o w e   a n   a m o u n t   a n d   y o u   d o   n o t   p a y,   w e   m a y   r e p o r t   y o u   a s   d e l i n q u e n t .

P r i c i n g   A d d e n d u m

I n t e r e s t   R a t e s   a n d
I n t e r e s t   C h a r g e s

A n n u a l   P e r c e n t a g e   R a t e

( A P R )   f o r   P u r c h a s e s

P r i m e   R a t e   p l u s   2 3 . 7 4 %
T h i s   A P R   w i l l   v a r y   w i t h   t h e   m a r k e t   b a s e d   o n   t h e   P r i m e   R a t e .

H o w   t o   Av o i d   P a y i n g

Yo u r   d u e   d a t e   i s   a t   l e a s t   2 5   d a y s   a f t e r   t h e   c l o s e   o f   e a c h   b i l l i n g   p e r i o d .   W e   w i l l   n o t   c h a r g e

I n t e r e s t

y o u   i n t e r e s t   o n   p u r c h a s e s   i f   y o u   p a y   y o u r   e n t i r e   b a l a n c e   b y   t h e   d u e   d a t e   e a c h   m o n t h .   I f

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y o u   d o   n o t ,   y o u   w i l l   n o t   g e t   a   g r a c e   p e r i o d   o n   p u r c h a s e s   a g a i n   u n t i l   y o u   p a y   t h e   e n t i r e

b a l a n c e   b y   t h e   d u e   d a t e   f o r   t w o   b i l l i n g   p e r i o d s   i n   a   r o w.

M i n i m u m   I n t e r e s t

C h a r g e

F e e s

I f   y o u   a r e   c h a r g e d   i n t e r e s t ,   t h e   c h a r g e   w i l l   b e   n o   l e s s   t h a n   $ 1   p e r   c r e d i t   p l a n .

A n n u a l   F e e

N o n e

P e n a l t y   F e e s

•   L a t e   P a y m e n t

•   R e t u r n e d   P a y m e n t

U p   t o   $ 4 0

U p   t o   $ 2 5

B a l a n c e   C o m p u t a t i o n

M e t h o d

W e   u s e   a   m e t h o d   c a l l e d   " d a i l y   b a l a n c e   ( i n c l u d i n g   c u r r e n t   t r a n s a c t i o n s ) . "

P l e a s e   r e v i e w   t h e   I m p o r t a n t   I n f o r m a t i o n   a n d

Te r m s   a b o u t   o p e n i n g   a n   a c c o u n t   p r i o r   t o
s u b m i t t i n g   y o u r   a p p l i c a t i o n .

To apply you must:

Be at the age of majority in your state or territory;
Have a valid government-issued photo ID;
Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance
Number (SIN);
Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.

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You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Smile
Generation Financial.

I m p o r t a n t   I n f o r m a t i o n   a b o u t   O p e n i n g   a n   A c c o u n t

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
for your driver's license or other identifying documents.

California Residents:

If you are married, you may apply for a separate account.

Ohio Residents:

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.

New York, Rhode Island and Vermont Residents:

We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of
credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.
You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.

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, Comenity 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.

If you have been preapproved, see below for details of your offer.

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 NOTICEThis “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 505, Woodlyn, PA 19094; Equifax, PO Box 740123,

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Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-
0495.

Important Information for Covered Borrowers under the Military Lending Act

For New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may
not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs
associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee
charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than
certain participation fees for a credit card account)

To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888-
819-1918).

I am applying to Comenity Capital Bank for, and hereby request, a Smile Generation Financial Credit Card Account for personal, family
or household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true
and correct. I agree that a credit report may be obtained for 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 Smile Generation Financial Credit Card Account account agreement. I acknowledge
that I will receive a Smile Generation Financial Credit Card Account account agreement upon approval. I also acknowledge that there is
no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the
Smile Generation Financial Credit Card Account account agreement at its office in Utah and that the Smile Generation Financial Credit
Card Account account agreement is deemed to be made in Utah. Credit Card are issued and credit is extended by Comenity Capital
Bank, Salt Lake City, Utah.

Please note:

By submitting this credit application, you are agreeing to the following with respect to certain consumer information about
you.

You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Smile Generation
Financial Credit Card Account. You hereby authorize us to furnish, if your application is approved, information concerning your account
to credit bureaus, other creditors and Smile Generation Financial Credit Card Account.

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.

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F i n a n c i a l   P r i v a c y   P o l i c y

http://www.comenity.net/smilegeneration/images/privacy.pdf (PDF)

You need Adobe Reader to view PDF files. You may download it for free from Adobe.

FACTS

WHAT  DOES  COMENITY  DO  WITH  YOUR  PERSONAL
INFORMATION?

Why?

What?

F i n a n c i a l   c o m p a n i e s   c h o o s e   h o w   t h e y   s h a r e   y o u r   p e r s o n a l   i n f o r m a t i o n .   F e d e r a l
l a w   g i v e s   c o n s u m e r s   t h e   r i g h t   t o   l i m i t   s o m e   b u t   n o t   a l l   s h a r i n g .   F e d e r a l   l a w   a l s o

r e q u i r e s   u s   t o   t e l l   y o u   h o w   w e   c o l l e c t ,   s h a r e ,   a n d   p r o t e c t   y o u r   p e r s o n a l

i n f o r m a t i o n .   P l e a s e   r e a d   t h i s   n o t i c e   c a r e f u l l y   t o   u n d e r s t a n d   w h a t   w e   d o .

T h e   t y p e s   o f   p e r s o n a l   i n f o r m a t i o n   w e   c o l l e c t   a n d   s h a r e   d e p e n d   o n   t h e   p r o d u c t   o r

s e r v i c e   y o u   h a v e   w i t h   u s .   T h i s   i n f o r m a t i o n   c a n   i n c l u d e :  

S o c i a l   S e c u r i t y   n u m b e r   a n d   i n c o m e  

A c c o u n t   b a l a n c e s   a n d   t r a n s a c t i o n   h i s t o r y  

C r e d i t   h i s t o r y   a n d   c r e d i t   s c o r e s

How?

A l l   f i n a n c i a l   c o m p a n i e s   n e e d   t o   s h a r e   c u s t o m e r s '   p e r s o n a l   i n f o r m a t i o n   t o   r u n   t h e i r

e v e r y d a y   b u s i n e s s .   I n   t h e   s e c t i o n   b e l o w,   w e   l i s t   t h e   r e a s o n s   f i n a n c i a l   c o m p a n i e s

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c a n   s h a r e   t h e i r   c u s t o m e r s '   p e r s o n a l   i n f o r m a t i o n ;   t h e   r e a s o n s   C o m e n i t y   c h o o s e s   t o
s h a r e ;   a n d   w h e t h e r   y o u   c a n   l i m i t   t h i s   s h a r i n g .

Reasons  we  can  share  your  personal  information

Does
Comenity
share?

Can  you  limit
this  sharing?

F o r   o u r   e v e r y d a y   b u s i n e s s   p u r p o s e s - s u c h   a s   t o   p r o c e s s   y o u r

t r a n s a c t i o n s ,   m a i n t a i n   y o u r   a c c o u n t   ( s ) ,   r e s p o n d   t o   c o u r t   o r d e r s   a n d

Ye s

l e g a l   i n v e s t i g a t i o n s ,   o r   r e p o r t   t o   c r e d i t   b u r e a u s

F o r   o u r   m a r k e t i n g   p u r p o s e s -   s u c h   a s   t o   o f f e r   o u r   p r o d u c t s   a n d   s e r v i c e s

t o   y o u

F o r   j o i n t   m a r k e t i n g   w i t h   o t h e r   f i n a n c i a l   c o m p a n i e s

F o r   o u r   a f f i l i a t e s '   e v e r y d a y   b u s i n e s s   p u r p o s e s - i n f o r m a t i o n   a b o u t   y o u r

t r a n s a c t i o n s   a n d   e x p e r i e n c e s

F o r   o u r   a f f i l i a t e s '   e v e r y d a y   b u s i n e s s   p u r p o s e s - i n f o r m a t i o n   a b o u t   y o u r

c r e d i t w o r t h i n e s s

F o r   o u r   a f f i l i a t e s   t o   m a r k e t   t o   y o u

F o r   n o n a f f i l i a t e s   t o   m a r k e t   t o   y o u

Ye s

Ye s

Ye s

Ye s

Ye s

Ye s

N o

N o

N o

N o

Ye s

Ye s

Ye s

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To  limit  our
sharing

O u r   m e n u   w i l l   p r o m p t   y o u   t h r o u g h   y o u r   c h o i c e s :  

C o m e n i t y   B a n k   c u s t o m e r s :   C a l l   1 - 8 0 0 - 2 2 0 - 11 8 1   ( T D D / T T Y   1 - 8 0 0 - 6 9 5 - 1 7 8 8 )  

C o m e n i t y   C a p i t a l   B a n k   c u s t o m e r s :   C a l l   1 - 8 7 7 - 2 8 7 - 5 0 1 2   ( T D D / T T Y   1 - 8 8 8 - 8 1 9 -
1 9 1 8 )  

P l e a s e   n o t e :  

I f   y o u   a r e   a   n e w   c u s t o m e r,   w e   c a n   b e g i n   s h a r i n g   y o u r   i n f o r m a t i o n   3 0   d a y s   f r o m
t h e   d a t e   w e   s e n t   t h i s   n o t i c e .   W h e n   y o u   a r e   n o   l o n g e r   o u r   c u s t o m e r,   w e   c o n t i n u e

t o   s h a r e   y o u r   i n f o r m a t i o n   a s   d e s c r i b e d   i n   t h i s   n o t i c e .  

H o w e v e r,   y o u   c a n   c o n t a c t   u s   a t   a n y   t i m e   t o   l i m i t   o u r   s h a r i n g .

Questions?

C a l l   1 - 8 6 6 - 4 2 3 - 1 0 9 7

Who  we  are

W h o   i s   p r o v i d i n g   t h i s

T h i s   p r i v a c y   n o t i c e   i s   p r o v i d e d   b y   t h e   C o m e n i t y   f a m i l y   o f   c o m p a n i e s ,   i n c l u d i n g

n o t i c e ?

C o m e n i t y   B a n k   a n d   C o m e n i t y   C a p i t a l   B a n k .

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What  we  do

H o w   d o e s   C o m e n i t y

To   p r o t e c t   y o u r   p e r s o n a l   i n f o r m a t i o n   f r o m   u n a u t h o r i z e d   a c c e s s   a n d   u s e ,   w e   u s e

p r o t e c t   m y   p e r s o n a l
i n f o r m a t i o n ?

s e c u r i t y   m e a s u r e s   t h a t   c o m p l y   w i t h   f e d e r a l   l a w.   T h e s e   m e a s u r e s   i n c l u d e   c o m p u t e r
s a f e g u a r d s   a n d   s e c u r e d   f i l e s   a n d   b u i l d i n g s .

W e   c o l l e c t   y o u r   p e r s o n a l   i n f o r m a t i o n ,   f o r   e x a m p l e ,   w h e n   y o u  

H o w   d o e s   C o m e n i t y

c o l l e c t   m y   p e r s o n a l
i n f o r m a t i o n ?

o p e n   a n   a c c o u n t   o r   p r o v i d e   a c c o u n t   i n f o r m a t i o n  
g i v e   u s   y o u r   i n c o m e   i n f o r m a t i o n  

u s e   y o u r   c r e d i t   o r   s h o w   y o u r   d r i v e r ' s   l i c e n s e  

W e   a l s o   c o l l e c t   y o u r   p e r s o n a l   i n f o r m a t i o n   f r o m   o t h e r s ,   s u c h   a s   c r e d i t   b u r e a u s ,
a f f i l i a t e s ,   o r   o t h e r   c o m p a n i e s .

F e d e r a l   l a w   g i v e s   y o u   t h e   r i g h t   t o   l i m i t   o n l y  

W h y   c a n ' t   I   l i m i t   a l l
s h a r i n g ?

s h a r i n g   f o r   a f f i l i a t e s '   e v e r y d a y   b u s i n e s s   p u r p o s e s - i n f o r m a t i o n   a b o u t   y o u r
c r e d i t w o r t h i n e s s  

a f f i l i a t e s   f r o m   u s i n g   y o u r   i n f o r m a t i o n   t o   m a r k e t   t o   y o u  

s h a r i n g   f o r   n o n a f f i l i a t e s   t o   m a r k e t   t o   y o u  

S t a t e   l a w s   a n d   i n d i v i d u a l   c o m p a n i e s   m a y   g i v e   y o u   a d d i t i o n a l   r i g h t s   t o   l i m i t

s h a r i n g .   S e e   b e l o w   f o r   m o r e   o n   y o u r   r i g h t s   u n d e r   s t a t e   l a w.

W h a t   h a p p e n s   w h e n   I
l i m i t   s h a r i n g   f o r   a n

Yo u r   c h o i c e s   w i l l   a p p l y   t o   e v e r y o n e   o n   y o u r   a c c o u n t .

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a c c o u n t   I   h o l d   j o i n t l y

w i t h   s o m e o n e   e l s e ?

Definitions

A f f i l i a t e s

N o n a f f i l i a t e s

C o m p a n i e s   r e l a t e d   b y   c o m m o n   o w n e r s h i p   o r   c o n t r o l .   T h e y   c a n   b e   f i n a n c i a l   a n d

n o n f i n a n c i a l   c o m p a n i e s .  

O u r   a f f i l i a t e s   i n c l u d e   c o m p a n i e s   w i t h   a   C o m e n i t y   n a m e ;   f i n a n c i a l   c o m p a n i e s
s u c h   a s   C o m e n i t y   C a p i t a l   B a n k   a n d   C o m e n i t y   B a n k ,   o t h e r   C o m e n i t y   e n t i t i e s ;

n o n f i n a n c i a l   c o m p a n i e s   s u c h   a s   E p s i l o n ,   A l l i a n c e   D a t a ,   a n d   L o y a l t y O n e .

C o m p a n i e s   n o t   r e l a t e d   b y   c o m m o n   o w n e r s h i p   o r   c o n t r o l .   T h e y   c a n   b e   f i n a n c i a l
a n d   n o n f i n a n c i a l   c o m p a n i e s .  

N o n a f f i l i a t e s   w e   s h a r e   w i t h   c a n   i n c l u d e   f i n a n c i a l   s e r v i c e   p r o v i d e r s ,   r e t a i l e r s ,

d i r e c t   m a r k e t e r s ,   p u b l i s h e r s   a n d   n o n p r o f i t   o r g a n i z a t i o n s .

J o i n t   m a r k e t i n g

m a r k e t   f i n a n c i a l   p r o d u c t s   o r   s e r v i c e s   t o   y o u .  

A   f o r m a l   a g r e e m e n t   b e t w e e n   n o n a f f i l i a t e d   f i n a n c i a l   c o m p a n i e s   t h a t   t o g e t h e r

O u r   j o i n t   m a r k e t i n g   p a r t n e r s   m a y   i n c l u d e   l e n d e r s   a n d   i n s u r a n c e   c o m p a n i e s .

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Other  important  information

W e   a l s o   w i l l   c o m p l y   w i t h   m o r e   r e s t r i c t i v e   s t a t e   l a w s   t o   t h e   e x t e n t   t h a t   t h e y   a p p l y ;   f o r   e x a m p l e ,   Ve r m o n t   o r

C a l i f o r n i a .

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