IMPORTANT NOTICE FOR CUSTOMERS THAT OPENED THEIR ACCOUNT VIA TELEPHONE. 
   Please see the enclosed Credit Card Account Agreement for the Terms and Conditions (Terms) 
   of your new credit card account. Customers that opened their accounts via telephone will have 
    up to 25 days from the date of application to review these Terms and either accept or reject 
    them. You do not have to take any action if you accept these Terms.  
    If you do not want to accept these Terms, you must contact the bank at 1-855-497-8167 
    (TDD/TTY 1-800-695-1788) within the 25 day period. Any purchases that may have posted to 
   your account will be removed and your account will be closed. You will then be required to 
   make arrangements with the merchant with an alternate means of paying for any purchases 
   you have made or the return of any purchase(s) you have made at no cost to you. 
   This right to reject is only applicable to those customers that opened their accounts via 
   telephone. 
    
                            �             �
   Your Total Rewards Signature Visa or  Total Rewards  Visa  Credit Card account agreement. 
   This card is issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. 
    Inc.  This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information 
    about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use 
    of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms 
    of this agreement, including the assessment of any interest charges and fees. 
    Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. 
    �  You have a right to reject this Arbitration Provision. 
   �  If you do not reject this Arbitration Provision, it will be part of this Agreement and will: 
      o  Eliminate your right to a trial by jury; and 
      o  Substantially affect your rights, including your right to bring, join in or participate in class proceedings. 
   �  Section I does not apply to Covered Borrowers under the Military Lending Act. See Section J below.  
   Please read each section carefully and keep this document for your records. 
   In the following sections, you will find information on: 
   Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
   A.  Getting started: the basics of your account 
   B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable 
   C.  Learning more about your account: credit plans, credit limits, and how payments are calculated and applied 
   D.  Interest, fees and charges: when and how fees and costs are applied to your account 
   E.  Other important information: legal rights, costs, and how we�ll handle changes to your account 
   F.  Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you think 
      there is an error on your periodic statement 
   G.  Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies 
   H.  Communicating with us: what happens when you contact us 
   I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including a jury trial waiver and Arbitration provision 
   J.   Important Information for Covered Borrowers under the Military Lending Act 
   Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 
   Financial terms of your account 
    
      Interest Rates and Interest Charges 
                              15.49%, 19.49%, or 24.49% when you open your account, based 
      Annual Percentage Rate (APR) 
                              on your creditworthiness. 
      for Total Rewards Signature Visa 
                               
      or Visa Card Purchases 
                              After that, this APR will vary with the market based on the Prime Rate. 
                               
                              27.49%   
      APR for Balance Transfers and 
                              This APR will vary with the market based on the Prime Rate. 
      Cash Advances 
                               
                              Your due date is at least 23 days after the close of each billing cycle. We will not 
                              charge you interest on purchases if you pay your entire balance by the due date 
      Paying Interest 
                              each month.   We will begin charging interest on balance transfers and cash 
                              advances on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan 
      For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit 
      Consumer Financial Protection  card, visit the website of the Consumer Financial Protection Bureau 
      Bureau                  at http://www.consumerfinance.gov/learnmore. 
    
      Fees 
                               
      �    Annual Fee 
                              None 
      Transaction Fees         
                               
      �    Balance Transfer   The greater of $5 or 3% of the amount of the balance transfer.  
      �    Cash Advance       The greater of $5 or 3% of the amount of the cash advance. 
      �    Convenience Checks  The greater of $5 or 3% of the amount of the convenience check. 
      �    Foreign Transaction  3% of each transaction in U.S. dollars. 
                               
      Penalty Fees             
      �    Late Payment       Up to $38.00 
      �    Returned Payment   Up to $38.00 
                               
    
   How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details. 
    
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
   agreement. 
    
   Comenity Bank 1-855-381-5712 (Total Rewards Visa Signature Cards) or 1-855-381-5715 (Total Rewards Visa Cards)  (TDD/TTY 1-800-695-1788) 
   New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information 
    on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. 
    
   Rate Information: The following chart provides details on your variable rate as of May 1, 2018. We divide the APR by 365 to determine the daily periodic rate. 
    
                                  Add to Index   APR            Daily Periodic Rate 
         Tier 1 Purchase APR      19.74%         24.49%         0.06709% 
         Tier 2 Purchase APR      14.74%         19.49%         0.05339% 
         Tier 3 Purchase APR      10.74%         15.49%         0.04243% 
         Balance Transfers and Cash Advances APR  22.74%  27.49%  0.07531% 
    
   If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect 
   within 30 days of mailing. 
     
    We�ll charge you a minimum interest charge of $2.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section 
    D. 
     
    Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past 
    Due amounts. The total Minimum Payment Due on your account won�t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount 
    indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plans will be:  
    �  The greater of: 
      o  1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement; or  
      o  $5.00 
    �  Plus any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement rounded up to the nearest $1.00. 
    See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.  
    The APR information described is accurate as of May 1, 2018.  Due to a change in the index, this information may have changed.   To find out more, call us at 1-
    855-381-5712 (Total Rewards Visa Signature Cards) or 1-855-381-5715 (Total Rewards Visa Cards)  (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, 
    PO Box 182273, Columbus, Ohio 43218-2273 or visit our website at comenity.net/totalrewardsvisa. 
   A. Getting Started 
   Definitions 
   In this Agreement, "We," "Us" and "Our" mean Comenity Bank and any successor or assigns. "You" and "Your" mean each person who submits an application or 
   solicitation for an Account with us. "Account" means your credit card account with us. "Card" means each credit card we issue for your Account, as applicable. 
    "Credit Plan" means one or more payment program options Total Rewards may ask us to offer from time to time. 
   Upholding your Agreement 
   �  You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to obtain credit 
      from us, you�ll be legally bound by this Agreement. You�re also legally bound if you sign a charge slip, or permit someone else to use the credit provided. 
   �  You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial 
      purpose. 
    �  If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible for 
      repaying all amounts due.  If more than one person is responsible for this Account, we will only provide billing statements and communications to one of you. 
    �  Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with the individual name of an 
      authorized user embossed on the Card. If you want to revoke the use of your Account by an authorized user, either write us at the address, or call us at the 
      phone number, shown on your Statement. 
    �  You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or made for your 
      benefit. 
   Card signature (as applicable) 
   For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
    incurred on your Account. 
   Using your Account 
   �  Your Account may be used to make purchases from anywhere Visa is accepted. 
    �  We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities. 
    �  You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing goods or services with your Card 
      or your Account number; by obtaining a cash advance from a financial institution, by use of an automated teller machine (ATM); by using a convenience 
      check; or, by incurring charges authorized by this Agreement. 
    �  From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience checks you use 
      will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you otherwise. 
    �  You agree that convenience checks that you use will not be returned to you. 
   �  You may not use the convenience checks to make payments on any Comenity Bank Account. 
    �  You agree not to use a convenience check, and we do not have to pay any convenience check: 
      o  if you are in default under this Agreement; 
      o  if payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance limit; or 
      o  if we cancel or suspend your right to use convenience checks 
    �  From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have to the 
      Account. We may, in our sole discretion, offer promotional plans for such balance transfers. 
    �  You may use the Card to obtain cash advances through certain ATMs. You will need to call us at 1-855-381-5712 (Total Rewards Visa Signature Cards) or 
      1-855-381-5715 (Total Rewards Visa Cards)  (TDD/TTY: 1-800-695-1788) to request a Personal Identification Number (PIN) which must be used in order to 
      obtain an ATM cash advance. 
      o  Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations. 
      o  You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance. 
    �  You may use your Account for �Quasi-Cash� transactions which are the purchase of items that are convertible to cash or using the Account for similar cash-
      like transactions, such as the purchase of money orders, traveler�s checks, Visa TravelMoney Cards, or to initiate wire transfers or gaming transactions (if 
      permitted by us). Quasi-Cash transactions are cash advances and will be subject to a Cash Advance Fee as explained below. 
    �  If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by Visa into U.S. dollars in accordance with Visa Operating 
      Regulations in effect at the time the transaction is processed. 
      o  The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. 
      o  The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by conversion through a financial 
         institution in the country in which the purchase or cash advance occurred. 
   Making payments 
   �  Pay your Account by sending a check, money order, or cashier�s check payable in U.S. dollars, to the name and address shown on your Statement specified 
      for payments. Please don�t send cash. 
    �  Be sure to include your payment stub, do not staple your payment to the stub, use the envelope provided with your Statement and don�t send any 
      correspondence with your payment. 
    �  If your payment doesn�t meet these requirements, it may not be credited to your Account for up to five days, or may be rejected. 
    �  All written communications concerning disputed amounts, including any check or other payment instrument marked with "payment in full" or similar language, 
      must be sent to 6550 North Loop 1604 East, Suite 101, San Antonio, Texas 78247-5004. 
      o  We may accept a payment sent to any other address without losing any of our rights. 
      o  No payment shall operate as an accord and satisfaction without our prior written approval. 
   B. Keeping your account in good standing 
   Avoiding default 
   You�ll be in default under this Agreement if you: 
   �  Fail to make any payment when due 
   �  Violate any provision of this Agreement 
   �  Pass away 
   �  Become the subject of bankruptcy or insolvency proceedings 
   �  Supply us with misleading, false, incomplete or incorrect information 
    �  Are unable or unwilling to perform the terms or conditions of this Agreement 
    �  Fail to supply us with any information we deem necessary 
    �  Default under any other loan or agreement you have with us or any of our affiliates 
    �  Become incompetent 
    �  Exceed your Credit Limit 
    �  Issue a payment returned unpaid by your bank for any reason 
    If we consider your Account in default, we may suspend your ability to make charges, close your Account, require you to pay the full amount you owe immediately 
    or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy your default. 
   Reporting a lost or stolen card (as applicable) 
   If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at PO Box 182273, Columbus, 
   Ohio 43218-2273 or call us at 1-855-381-5712 (Total Rewards Visa Signature Cards) or 1-855-381-5715 (Total Rewards Visa Cards)  (TDD/TTY: 1-800-695-
    1788).  You will not be liable for any unauthorized use that occurs after you notify us.  You may, however, be liable for unauthorized use that occurs before your 
    notice to us.  In any case, your liability will not exceed $50. 
   C. Learning more about your account 
   Credit Plans 
   �  Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their 
      particular features (including but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include 
      one or more Regular Revolving or promotional Credit Plans. 
    �  We may offer different promotional Credit Plans from time to time. 
    �  If a promotional Credit Plan is offered at the time you open your Account, this Agreement will include information about the terms for the Plan, by use of an 
      insert, attachment, or other written information provided as part of this Agreement. 
    �  Normal late fees, returned payment fees and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular Credit Plan 
      offering. 
    �  If the promotional Credit Plan purchase isn't paid in full before the promotional period ends, the balance will be transferred to your Regular Revolving balance. 
    �  Promotional Credit Plans may include: 
      o  Waive Interest, Payment Required 
      o  Waive Interest, Equal Payment 
      o  Waive Interest, Low Payment 
      o  Defer Interest, Equal Payment 
      o  Defer Interest, Payment Required 
      o  Defer Interest, Low Payment 
      o  Low APR, Equal Payment 
      o  Budget Payment 
   Skip-payment option 
   �  At our discretion, we may allow you to skip making the Minimum Payment. 
    �  Interest Charges will be assessed during the skip-payment period, but a late fee won�t be imposed.  This will not be considered a waiver of any of the rights 
      granted by this Agreement. 
    �  All other terms of your Account apply during the skip-payment period. 
   Visa Credit limit 
   �  Your Credit Limit is the total maximum amount we permit you to owe us at any time. 
   �  You may not exceed any Credit Limit that we set for your Account. 
   �  If you do exceed your Credit Limit, we can still charge you for all transactions, interest and other charges without giving up any of our rights under this 
      Agreement. 
   �  We may change your Credit Limit at any time. 
   Account cancellation 
   �  You may cancel your Account. You�re still obligated to pay the full amount you owe us. 
    �  We may cancel your Account at any time, for any reason. 
   �  We may refuse to authorize any transaction on your Account. We may also suspend your Account and your right to use your Card, including each Card you 
      give to others. 
   �  We may stop offering any Credit Plan at any time, for any reason. 
   �  Cancellation or suspension of your Account doesn�t negate your obligation to pay any amount you owe us. 
    �  Cancellation of your Account includes each Card you give to others. 
    �  Cards are issued with an expiration date. We have the right not to renew your Account. 
   Minimum Payment 
   �  You can pay all of your Account balance at any time without penalty. 
   �  You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement. 
    �  The Minimum Payment is the total of the minimum payments for the Regular Revolving and promotional Credit Plans plus any Past Due amounts. 
    �  The Total Minimum Payment won�t be less than $30.00. If your Account balance is less than $30.00, you must pay the amount indicated on your Statement 
      in full. 
    �  The minimum payment for each Credit Plan is calculated as follows: 
      o  The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of: 
           (a) $5.00 or 
           (b) 1% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 
      o  The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided 
         by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. 
      o  The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest charges that 
         will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase 
         and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. 
      o  The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of: 
           (a) $5.00 or 
           (b) 1.0% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 
      o  For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or $299, based 
         on the transaction amount. 
      o  For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, your 
         minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans. 
   Payment application 
   �  We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in balances subject to lower 
      interest rates being paid prior to other balances. This may also result in higher interest charges. 
   �  Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law. 
   �  Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing 
      periods of the promotional period. 
   D. Interest, fees and charges 
   Interest charges 
   �  Interest charges begin on a transaction, fee or interest from the day added to the daily balance and continue until the balance is paid in full. 
    �  There is a Grace Period on Regular Revolving Credit Plan purchases. This means we will not charge interest on such purchases if you pay in full each billing 
      period. 
    �  We will not charge interest on any portion of a payment allocated to the Regular Revolving Credit Plan that is paid within an applicable Grace Period. 
    �  There is no period during which you can pay back a cash advance, any other transaction treated as a cash advance under this Agreement, or a balance 
      transfer to avoid incurring an interest charge. 
    �  If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total purchase amount before the end 
      of the promotional period. If you don't pay the total purchase amount before the end of the promotional period, we'll add the remaining amount to your Regular 
      Revolving balance. We'll also begin charging interest on the purchase from the first day after the promotional period ends. 
    �  If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add 
      the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance. 
    �  If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase through the end of the promotional 
      period. 
   How we calculate Interest Charges on your Account 
   We calculate interest separately for each Credit Plan, using a "Daily Balance" to determine interest charges for each billing period. Our calculation method is as 
   follows: 
   �  We start with the beginning balance on your Account each day (including unpaid interest charges and fees). 
   �  We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions and debit adjustments posted 
      as of that day. This gives us the "Partial Daily Balance" for the day. 
   �  We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the "Daily Interest Charge" for the day, which we add to the 
      day�s Partial Daily Balance. 
    �  We�ve now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily compounding of interest charges. 
    �  At the end of each billing period, we add together each Credit Plan�s Daily Interest Charge and make other adjustments, which gives us the total interest 
      charge. 
    �  Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by the total 
      number of days. 
   Rates 
   �  To calculate a variable rate, for each billing period, we use an Index.  The Index is the U.S. Prime Rate published in the �Money Rates� section of The Wall 
      Street Journal on the last business day of the calendar month preceding the month in which the billing period begins.  (Our business days are Monday through 
      Friday, excluding holidays.)  
   �  Any variable APR will increase on the first day of the billing period after the Index increases. 
   �  An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of interest and may increase the Total Minimum 
      Payment. 
   Other fees and charges 
   You agree to pay the following fees and charges: 
   �  Late Fee: If you don�t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. 
      o  The fee is $27.00 if you were not charged a late fee during any of the prior six billing periods. 
      o  Otherwise, the fee is $38.00. 
      o  This fee will not exceed the amount permitted by applicable law. 
    �  Returned Payment Fee: We may charge you a fee for each payment that your bank doesn�t honor for any reason. 
      o  The fee is $27.00 if you were not charged a returned payment fee during any of the prior six billing periods. 
      o  Otherwise, the fee is $38.00. 
      o  This fee will not exceed the amount permitted by applicable law. 
    �  Although we may decide to do so, we aren�t required to attempt to collect a payment more than once. 
    �  Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing error 
      inquiries or resolution), we may charge the Account the following fee(s), subject to any limitations of applicable law: 
      o  Statement copy - $6.00 
      o  Sales/Credit Draft copy - $6.00 
      o  Check/Money Order copy - $6.00 
    �  Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your Account over 
      the phone.  If you choose to use this payment method, we may assess the current fee we charge for this service, subject to any limitations of applicable law. 
      Currently, that fee is up to $15.00 but may change. We�ll let you know the current fee before you authorize any payment(s), and you can withdraw your 
      request if you don�t want to pay the fee. 
    �  Cash Advance Fee: For any cash advance other than a convenience check or balance transfer, you will pay a transaction fee equal to the greater of $5 or 
      3% of the amount of the cash advance. You take a cash advance if you use a convenience check; get money through an ATM; get money through a financial 
      institution; or obtain Quasi-Cash. 
    �  Convenience Check Fee:  For any convenience check written against your Account, you will pay a transaction fee equal to the greater of $5 or 3% of the 
      amount of the convenience check. 
    �  Balance Transfer Fee:  For any balance transfer from another account, you will pay a transaction fee equal to the greater of $5 or 3% of the amount of the 
      balance transfer. 
    �  Foreign Transaction Fee: For any charge or cash advance outside the United States or in a foreign currency, you will pay a transaction fee equal to 3% of 
      the U.S. dollar amount of the transaction.  If a charge or cash advance is converted into U.S. dollars our network providers (Visa, Mastercard, and Discover) 
      will select either (1) a rate from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from 
      the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable central processing date. 
    �  Return Convenience Check Fee: For each convenience check written against your Account which fails to clear and is returned unsatisfied, you will pay a 
      fee of up to $35.  
    �  Stop Payment Fee: For each convenience check written against your Account on which you request us to stop payment, you will pay a fee of up to $35, 
      regardless of whether we actually stop payment on the convenience check. 
   E. Other important information  
   Collection costs 
   You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys� fees and court costs incurred by us or another person or entity, 
   to the extent not prohibited by applicable law and except as provided below. 
    �  AL Residents: We will not charge attorneys� fees if your unpaid balance is $300 or less. 
   �  NH Residents: Reasonable attorneys� fees may be awarded to you if you prevail in any action by or against us. 
   �  WI Residents: If legal action is taken, we may seek statutory attorneys� fees and costs, which you will pay if they are granted by the court. 
    
   Changes 
   We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and a right to 
    reject the change(s). 
   Security Interest 
   You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and proceeds 
   of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would otherwise secure any obligation arising hereunder. 
   Changes to your information 
   You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s). 
   Governing Law 
   THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A 
   TERM PERMITTED OR REQUIRED BY APPLICABLE LAW. 
   Transfer of Rights/Assignment 
   Your rights under this Agreement can�t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or personal 
   representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time 
    without prior notice to you or your consent. 
   No Waiver of Rights 
   We can delay enforcing our rights under this Agreement without losing them. 
   Severability 
   If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. 
   Notice to New Jersey Residents 
   All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
   F. Disputes and Reporting to Consumer Reporting Agencies 
   Credit Reports 
   �  You give us permission to investigate your credit record. 
    �  You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection 
      with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. 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. 
    �  You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer 
      reporting agencies. 
    �  You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name 
      appears on your Card. 
   Credit report disputes 
   If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 
   182789, Columbus, Ohio 43218-2789.  
   Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate: 
    �  Account Information:  Your name and Account number 
   �  Contact Information:  Your address and telephone number 
    �  Disputed Information:  Identify the Account information disputed and explain why you believe it is inaccurate 
    �  Supporting Documentation:  If available, provide a copy of the section of the credit report showing the Account information you are disputing 
    We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that 
    the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the 
    information. 
   Your Billing Rights: Keep This Document For Future Use 
   This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
    What To Do If You Find A Mistake On Your Statement 
    If you think there is an error on your statement, write to us at: Comenity Bank, PO Box 182782, Columbus, Ohio 43218-2782 
    In your letter, give us the following information: 
    �  Account information: Your name and account number. 
    �  Dollar amount: The dollar amount of the suspected error. 
    �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
   You must contact us: 
   �  Within 60 days after the error appeared on your statement. 
   �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
   You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay 
   the amount in question. 
   What Will Happen After We Receive Your Letter 
   When we receive your letter, we must do two things: 
   1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
    2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
   While we investigate whether or not there has been an error: 
   �  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
    �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
    �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
    �  We can apply any unpaid amount against your credit limit. 
    After we finish our investigation, one of two things will happen: 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
    �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement 
      of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 
    If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
    report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
    and we must let those organizations know when the matter has been settled between us. 
    If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
    Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the 
    merchant, you may have the right not to pay the remaining amount due on the purchase. 
    To use this right, all of the following must be true: 
    1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 
    $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods 
    or services.) 
    2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account 
    do not qualify. 
    3. You must not yet have fully paid for the purchase. 
    If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
    Comenity Bank 
    PO Box 182782, Columbus, Ohio 43218-2782 
    While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, 
    if we think you owe an amount and you do not pay, we may report you as delinquent. 
   G. Optional products 
   Credit insurance (as applicable) 
   Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on 
   the last day of each billing period.  You can cancel your coverage at any time. 
   Account Assure Pro Debt Cancellation (as applicable) 
   �  Purchasing Account Assure Pro is optional. 
    �  Enrolling in Account Assure Pro does not affect the terms of your existing credit agreement. 
    �  The Account Assure Pro fee is based on your monthly statement balance, which is your balance on the last day of each billing period. 
    �  You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.  
    �  You may cancel Account Assure Pro at any time. 
    �  If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure Pro benefits for your present situation; however, you 
      may be eligible for other benefits based on future events. 
   H. Communicating with us 
   Communicating to you about your Account 
   If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, independent 
   contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with you in any way, such as 
   calling, texting, or email via: 
   1.  Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or service for which 
      you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (�VOIP�); 
    2.  Any email address you provide to us or any other person or company that provides any services in connection with this Agreement;  
    3.  Automated telephone dialing systems; 
    4.  Pre-recorded or artificial voice messages and any other form of communication.   
    You also agree that these communications aren�t unsolicited for purposes of any state or federal law and you understand that communications may result in 
    additional mobile, text message, data charges or other charges. 
   Phone monitoring 
   �  To provide you with high-quality service, phone communication with us is monitored and/or recorded.   
    �  You agree that we monitor and/or record any phone calls between you and us.   
    �  Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 
   Communication in Languages Other Than English 
   You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or provide 
    translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may stop communicating 
    with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the accuracy of our translations, we are 
    not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies 
    between the English version and the translation, the English version will control. 
   For Wisconsin residents: 
   If you are married, please contact us immediately upon receipt of this Agreement at 1-855-381-5712 (Total Rewards Visa Signature Cards) or 1-855-381-5715 
    (Total Rewards Visa Cards)  (TDD/TTY 1-800-695-1788) and provide us with the name and address of your spouse. We are required to inform your spouse that 
    we have opened a credit account for you. 
   For bankruptcy notifications: 
   All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank, Bankruptcy Department, PO Box 
   182125, Columbus, Ohio 43218-2125. 
   I. Arbitration and jury trial waiver 
   For Covered Borrowers under the Military Lending Act (MLA) 
   Effective October 3, 2017 the MLA prohibits us from requiring you to submit to arbitration as a condition of extending credit.  For additional information see Section 
   J below. 
   A. Jury trial waiver 
   TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR 
    RELATED TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY 
    TRIAL WAIVER CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
   B. Notice and cure 
   Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a "Claim"), the party 
    asserting the Claim (the "Claimant") shall give the other party (the "Defendant") written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not 
    less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any updated address you 
    subsequently provide to us).  Any Claim Notice to us shall be sent by mail to Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any updated 
    address we subsequently provide).  Any Claim Notice you send must provide your name, address and Account number.  Any Claim Notice must explain the nature 
    of the Claim and the relief that is demanded.  You may only submit a Claim Notice on your own behalf and not on behalf of any other party.  No third party, other 
   than a lawyer you have personally retained, may submit a Claim Notice on your behalf.  The Claimant must reasonably cooperate in providing any information 
   about the Claim that the other party reasonably requests. 
   C. Arbitration provision 
   READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH 
   C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY 
   CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
   1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any prior arbitration agreement between you and us ("Prior Arbitration 
   Agreement")) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement 
   that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Bank, 
   PO Box 182422, Columbus, Ohio 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it 
   within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this 
   Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit. 
   2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and "our" mean (a) 
   Comenity Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank Parties"); and (b) any other 
    person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the same time 
    you assert a Claim against any Bank Party. 
    3. Covered Claims:  "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, 
    the issuance of any Card, any rewards program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any 
    Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes 
    initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, 
    constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). "Claim" does not include disputes about 
    the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition against class proceedings, 
    private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the "Class Action Waiver"), the last sentence of Paragraph 
    C.13 and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or 
    enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. 
    4. Starting an Arbitration:  Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with respect to a 
    different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim that you bring 
    against us in small claims court or your state�s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the 
    right to demand arbitration. 
   5. Choosing the Administrator:  "Administrator" means the American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 10019120 
   Broadway, 21st Floor, New York, NY 10271, www.adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com; or any other company 
   selected by mutual agreement of the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual 
    consent, the Administrator will be selected by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. 
    However, the arbitrator must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written 
    notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any 
    Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator on 
    time, we may do it. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties 
    to the arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver. 
   6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE 
    RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS 
    MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE 
    AVAILABLE IN ARBITRATION.  
    7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A 
    CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR 
    WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE 
    JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER 
   OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
   8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay any and 
    all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this 
    Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
    fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
   9. Governing Law:  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the "FAA"), and not 
    by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of 
    privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action were pending in court (including, 
    without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the 
    arbitrator must provide a brief written explanation of the basis for the award. 
    10. Right to Discovery:  In addition to the parties� rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit a written 
   request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to 
   grant or deny that request. 
   11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s award may be entered by any court having jurisdiction. The arbitrator�s decision is 
   final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive or 
   declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award by 
   the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award 
   requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to "the arbitrator" shall mean the panel 
   if an appeal of the arbitrator�s decision has been taken. The costs of such an appeal will be borne in accordance with Paragraph C.8. above. 
   12. Rules of Interpretation:  This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of the Account, any 
   legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law.  In the event of a conflict or inconsistency between this Arbitration 
   Provision, on the one hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, this Arbitration Provision shall govern.  
   This Arbitration Provision replaces any Prior Arbitration Agreement. 
   13. Severability:  If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the remaining portions shall 
   nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain 
   in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. 
   14. Special Payment:  If (1) you submit a Claim Notice in accordance with Paragraph B above on your own behalf (and not on behalf of any other party); (2) we 
   refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator 
   shall award you at least $5,100 (plus any fees and costs to which you are entitled). 
   J. Important Information for Covered Borrowers under the Military Lending Act 
   �  Effective October 3, 2017 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). 
    �  A �Covered Borrower� is a consumer who, based on the determination made in accordance with 32 CFR Part 232.5, is entitled to the Limitations on Terms 
      of Consumer Credit Extended to Service Members and Dependents under 32 C.F.R. Part 232.  Your first statement will indicate whether you are a Covered 
      Borrower, based on a review of the Department of Defense�s database and/or a report from a consumer-reporting agency. If you�re a Covered Borrower, we 
      will notify you in writing no later than 60 days after the determination made in accordance with 32 CFR Part 232.5.  
    �  This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on permissible loan terms and limitations on interest 
      and fees.  For Accounts opened on or after October 3, 2017, if you are a Covered Borrower: (a) the Arbitration Provision and jury trial waiver shall not apply 
      to you; (b) any interest or fees in excess of the permitted limit shall be reduced by the amount necessary to satisfy that limit and any amounts collected in 
      excess of the permitted limit shall be refunded by crediting your Account or by making a direct payment to you; and (c) any other provision of this 
      Agreement that is inconsistent with the Military Lending Act shall not apply to you. 
   �  To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; TDD/TTY 1-800-695-1788. 
     
     
     
     
                                                                    ***CC Agreement CCA ID*** 
     
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 19.74%, 14.74% or 10.74% when you open your 
      (APR) for Total Rewards 
                          account, based on your creditworthiness. 
      Signature Visa or Visa Card 
                          After that, this APR will vary with the market based on the Prime Rate. 
      Purchases 
      APR for Balance Transfers  Prime rate plus 22.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date each 
                          month. We will begin charging interest on cash advances and balance transfers on the 
                          transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $5 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $5 or 3% of the amount of the cash advance. 
      �  Convenience Check  The greater of $5 or 3% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $38 
      �  Returned Payment  Up to $38 
      Balance Computation  We use a method called "daily balance." 
      Method