Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
Purchases

Penalty APR and
When it Applies

22.98%. This APR will vary with the market based on the Prime Rate.

28.99%
This APR may be applied to your account if you fail to pay all or part of your
minimum payment due by the payment due date for three consecutive billing
periods.
How Long Will the Penalty APR Apply?: If your APR is increased for this
reason, the Penalty APR will apply until such time as any delinquency is cured
and you then make six consecutive payments when due.

How to Avoid Paying
Interest on Purchases

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

Minimum Interest
Charge

If you are charged interest, the charge will be no less than $1.00

For Credit Card Tips
from the Federal
Reserve Board

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

Fees

Set up and
Maintenance Fees

Annual Fee

None

Penalty Fees

Late Payment

Up to $35

Returned Payment Up to $25

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including  new
purchases)."
CHANGES.  We  may  add,  change  or  delete  the  terms  of  your  Account  and the corresponding Credit Card Agreement
(including,  but  not  limited  to,  Annual  Percentage  Rate  and  other  significant  changes).  If  notice  is  required, it will be
mailed to you at least forty-five (45) days prior to the effective date of the change. Notice may also include a statement of
your right to cancel the account prior to the effective date of the change.
The information about the costs of the credit card account described in this application is accurate as of March 29, 2012.
This  information  may  have  changed  after  that  date.  To  find  out  what may have changed and for the current APR, please
write  to  World  Financial  Capital  Bank  (WFCB),  PO  Box  183003,  Columbus,  OH  43218-3003,  see  the cardmailer with
your new credit card (if approved) or visit our website at comenity.net/smilegeneration. You agree that a credit report may
be used in making the credit granting decision.
You agree that a credit report may be used in making the credit granting decision.
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
To  help  the  government  fight  the  funding  of  terrorism  and  money laundering activities, Federal law requires all financial
institutions to obtain, verify and record information that identifies each person who opens an account. What this means for
you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us
to identify you. We may also ask to see your driver's license or other identifying documents.
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,
and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law. California Residents: If you are married, you may apply for a separate

 
 
account.  New  York  Residents:  A  consumer  credit  report  may  be  ordered  in  connection  with  the  processing  of an
application,  or  subsequently  with  the  update,  renewal  or  extension  of  credit. Upon your request, you will be informed of
whether  or  not  a  consumer  credit  report  was  ordered,  and  if  it  was,  you  will  be  given  the  name  and address of the
consumer-reporting  agency  that  furnished  the  report. Rhode  Island  and  Vermont Residents:  A  consumer  credit report
may be ordered in connection with the processing of an application, or subsequently for purposes of review or collection of
the account, increasing the credit line on the account, or other legitimate purposes associated with the account. Wisconsin
Residents:  No  provision  of  any  marital  property  agreement,  unilateral  statement  under  Section 766.59 of the Wisconsin
statutes  or  court  order  under  Section  766.70  adversely  affects  the  interest  of  the creditor, World Financial 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.
Customers Receiving Preapproved Credit Offers:  You  may  have  been  selected  for a pre-approved credit card account
offer  from  World  Financial  Capital  Bank  ("Bank")  based  upon  the  information  in  your  credit  report  which satisfied the
Bank’s criteria for creditworthiness. You must respond by the expiration date of the offer. Credit may not be extended if
after  you  respond,  (i)  we  find  that  you  do  not  meet  the  criteria for creditworthiness used to select you for this offer; (ii)
you  are  below  the  age  required  to  create  a  valid  contract;  (iii)  we  determine  that  you  have fraudulently altered the
information provided to us; or (iv) we receive your response to this offer after such offer has expired.
You can choose to stop receiving "prescreened" offers of credit from this and other companies
by calling toll-free 1-888-567-8688.  See PRESCREEN & OPT-OUT NOTICE below for more
information about prescreened offers.

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

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

************************************
WORLD FINANCIAL CAPITAL BANK 
SMILE GENERATION FINANCIAL CREDIT CARD AGREEMENT

This is your Agreement with World Financial Capital Bank for customers of Smile Generation Financial through
participating Smile Generation Financial Providers. It covers the use of your credit card account with us. This
Agreement may include information about promotional Credit Plans. Any information about such Plans will be
included in the form of an insert, attachment, or other written information provided as part of or with this
Agreement. Please read this Agreement and keep it for your records.

1. Definitions. In this Agreement, "We," "Us," and "Our" mean World Financial Capital Bank. "You" and "Your" mean
each person who signs an application for, or otherwise requests, a credit card account with us. "Account" means your credit
card account with us. "Card" means each credit card we issue to you for your Account. "Credit Plan" means one or more
payment program options that Smile Generation Financial may ask us to offer from time to time. You agree that at any time
for any reason we may reissue a Card to you and/or may ask you to return any or all Cards.
2. Your Promise to Us.
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of you. You will be
legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a charge slip, or if you
use or permit someone else to use the credit provided. 
Further you understand and agree that:

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

B. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of
you will be jointly and individually responsible for repaying all amounts due under this Agreement.
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. If you
want to cancel the authorized or permitted use of your Account by another person, you may either write us at the address or
call us at the telephone number shown on your Statement. You must obtain, cut in half and return the Card in such
authorized users possession to us. You understand and agree that we will be unable to determine whether any particular
transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the
transaction by the authorized user was indeed authorized by you or made for your benefit. You agree to pay for all
transactions made on your Account by an authorized user whether or not such transactions were in fact duly authorized by
you or made for your benefit.
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately
due and payable, prohibit further transactions on your Account, cancel the Cards, and revoke any privileges associated with
the Card or your Account.
3. Sign the Card. For your own protection, please sign the Card before using it. Your signature on the Card is not a
prerequisite to your obligation to pay amounts incurred on your Account.
4. Method of Payment. You may pay your Account by sending your personal check, payable in U.S. dollars, to the name
and address shown on your Statement. Payments are considered received when posted to your Account in the state in which
the WFCB main office is located. You must include your payment stub. Do not send cash. If any payment does not conform
to these requirements, the payment may not be credited to your Account for up to five days, or may be rejected. Any check
marked "payment in full" or with similar terms must be sent to a separate address specified on your Statement. We can
accept such checks or late or partial payments without losing our right to receive the full amount owing on your Account.
5. Lost or Stolen Card. If a Card is lost or stolen, you must tell us at once. You must also tell us at once if you think
someone used a Card without your permission. You may either write us a letter or call us at the address and phone number
shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the
Card without your permission.
6. Credit Plans.
Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans. We may offer
different promotional Credit Plans from time to time. If a promotional Credit Plan is offered at the time you open your
account, this Agreement will include information about the terms for the Plan (which may include the Daily Periodic Rate,
the ANNUAL PERCENTAGE RATE, and/or the minimum payment amount), by use of an insert, attachment, or other
written information provided as part of or with this Agreement. Normal late payment charges, returned check charges and all
other provisions apply to any promotional Credit Plan unless inconsistent with a particular Credit Plan offering. The
promotional Credit Plan period will end and the promotional Credit Plan balance will be transferred to your non-promotional
Regular Revolving balance if the promotional Credit Plan purchase is not paid in full before the promotional period ends.
The types of Credit Plans offered and the particular features (including but not limited to minimum purchase requirements,
Minimum Payment, etc.) of such Credit Plans may vary from time to time at our discretion and may include one or more of
the following: Regular Revolving or Promotional Credit Plans. The Regular Revolving Credit Plans are your non-
promotional purchases using the Card. The Promotional Credit Plans may include: Waive Interest, Payment Required;
Waive Interest, Equal Payment; Waive Interest, Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment
Required; Defer Interest, Low Payment Budget Pay. (Please see section 14 for explanation for how Finance Charges are

calculated for each Plan.)
7. Skip-Payment Option. At our sole option, we may allow you to skip making the Minimum Payment on certain Billing
Periods. During the skip-payment period Finance Charges will be assessed but no late fee will be imposed. At the end of the
skip-payment period, all terms of this Agreement that would have applied, were it not for the skip-payment feature, will
automatically resume without notice.
8. Credit Limit. Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed
any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge
you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement. We may
change your Credit Limit at any time.
9. How to Cancel Your Account. You may cancel your Account at any time. Cut each Card in half and send us the pieces
with a letter telling us you want to cancel your Account. This includes each Card you gave to others. You still must pay the
full amount you owe us.
10. We Have the Right to Cancel Your Account. We may cancel your Account at any time for any reason. We also may
cancel any of the Credit Plans at any time for any reason. Any Card issued for your Account must be cut in half and the
pieces sent to us if we ask. This includes each Card you gave to others. You cannot use a Card after we ask you to return it.
You still must pay the full amount you owe us and comply with the terms of this Agreement.
11. Payments; Minimum Payment. You may pay all of your Account balance at any time without penalty. You
must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement.
The Minimum Payment will be the total of the minimum payments for the Regular Revolving and Promotional Credit Plans
(as described in Section 6 of your Credit Card Agreement), plus any past due amounts. The minimum payments for the
Regular Revolving Credit Plan and Promotional Credit Plans (except for Waive Interest, Equal Payment; Waive Interest,
Low Pay; Defer Interest, Equal Payment; Defer Interest, Low Pay and Budget Pay Credit Plans) will be the greater of: (a)
$5.00; or (b) 4.00% (rounded to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. The
minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount
of the purchase divided by the number of months between the date of the purchase and the promotional period end date
(minimum $5.00) rounded up to the nearest whole dollar. The minimum payment for the Waive Interest, Low Payment and
Defer Interest, Low Payment will be the greater of: (a) $5.00 or (b) 1% (rounded to the nearest $1.00) of the New Balance
shown on your Statement for that Credit Plan. However, the total minimum payment due on your account will not be less
than $25.00. If your Account balance is less than $25.00, you must pay your Account balance in full. The minimum payment
for the Budget Pay Credit Plans is a predetermined payment amount solely based on the purchase amount. The payment
associated with the Budget Pay Plan will determine the length of the payment period. Your Statement will tell you how
much your Minimum Payment must be.
12. Application of Payments. We reserve the right to apply payments equal to or less than the required minimum amount in
a manner of our choosing, which may result in balances subject to lower interest rates being paid prior to other balances.
This may result in higher interest charges. Any payment you make in excess of the required Minimum Payment Due will be
allocated to your Account as required by applicable law. However, excess payments received before a deferred interest
promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the
promotional period.
13. Statements; Billing Periods. If your Account has a balance, we will send you a Statement at the end of each Billing
Period. We send only one Statement for your Account. The Statement will show your: Statement Closing Date, Previous
Balance, Payments and Credits, Charges, Finance Charge, Payment Due Date, New Balance and Minimum Payment. Billing
Period means the days between the closing date shown on the last Statement we sent you and the closing date on your
current Statement. We may change your Billing Period as permitted by law at any time for our own convenience.
14. Finance Charges.
A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in any Billing
Period in which (i) there is no Previous Balance or (ii) payments received and credits issued by the Payment Due Date,
which is 25 days after the Statement Closing Date shown on your last Statement, equal or exceed the Previous Balance. If
the New Balance shown on your last Statement is not satisfied in full by the Payment Due Date shown on your last
Statement, there will be a Finance Charge on each purchase from the date of purchase.
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment Required; Waive
Interest, Equal Payment and Waive Interest, Low Payment, we will not charge Finance Charges on the purchase if you pay
the total amount of the purchase before the end of the promotional period. If you do not pay the total amount of the purchase
before the end of the promotional period, we will add the amount of the purchase to your Regular Revolving balance and
will begin to charge Finance Charges on the purchase from the first day after the promotional period ends. For any Waive
Interest Plan that ends, we will add the remaining amount of the plan to your Regular Revolving balance and will begin to
charge Finance Charges.
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment or Defer Interest, Low

Payment Credit Plan, we will add the amount of Finance Charges that have accrued from the date of purchase through and
including the last day of the promotional period to your Regular Revolving balance if you do not pay the total amount of the
purchase before the end of the promotional period. For any Defer Interest Plan that ends, we will add the remaining amount
of the plan and the amount of Finance Charges that have accrued from the date of purchase through and including the last
day of the promotional period to your Regular Revolving balance.
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, we use a "Daily
Balance" to figure Finance Charges on your Account. This is how we figure the "Daily Balance" each day:
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees).
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments posted as of that day.
This gives us the "Partial Daily Balance" for the day.
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to obtain the "Daily
Finance Charge" for the day and add it to the day's Partial Daily Balance. This gives us the "Daily Balance", which will be
the beginning balance for the following day.
At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge for each day in the Billing
Period to get the total Account Finance Charge for the Billing Period.
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for each day in the
Billing Period divided by the number of days in the Billing Period.
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 19.73% to the
value of an "Index," and dividing by 365 (The corresponding ANNUAL PERCENTAGE RATE will be the Index plus
19.73%). The Index in effect for each Billing Period shall be the highest "Prime Rate" of interest as published in the
"Money Rates" section of The Wall Street Journal for the calendar month preceding the month in which the Billing Period
begins, rounded upward, if necessary, to the nearest .001% ("Index"). The corresponding ANNUAL PERCENTAGE RATE
will not increase above 28.99%. An increase or decrease in the Annual Percentage Rate will result in a corresponding
increase or decrease in the amount of Finance Charge and may increase the amount of your minimum payment due. The
Daily Periodic Rate of FINANCE CHARGE applicable to your Account for Budget Pay Credit Plan purchases is 0.04928%
(corresponding ANNUAL PERCENTAGE RATE is 17.99%).
E. We will charge you a minimum FINANCE CHARGE of $1.00 per credit plan for any Billing Period in which a Finance
Charge is due.
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If this Agreement
accompanies credit cards for your new account, the current initial Daily Periodic Rate of FINANCE CHARGE and
corresponding ANNUAL PERCENTAGE RATE are indicated on the Cardmailer and are incorporated herein by reference.
As of March 29, 2012, the initial Daily Periodic Rate of FINANCE CHARGE, was 0.06295% and the corresponding initial
ANNUAL PERCENTAGE RATE was 22.98%. This information may have changed after that date. To find out about
changes in the information, call us at 1-877-287-8879 (TDD/TTY 1-888-819-1918) or write us at World Financial Capital
Bank, PO Box 183003 Columbus OH 43218-3003.
G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 11) by the Payment
Due Date shown on your Statement for three consecutive Billing Periods, we may apply a penalty Annual Percentage Rate
("Penalty Rate") to the existing balance of your Account and to all new purchases. We will provide you notice of this rate
increase, when it will apply to your account, and for how long it will apply to your account, as required by applicable law.
The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate is 0.07942% (corresponding ANNUAL
PERCENTAGE RATE is 28.99%). The Penalty Rate will apply to your Account until such time as any delinquency is
cured and your account is kept in a current and satisfactory status for six (6) consecutive billing periods. On the seventh
billing period the Penalty Rate will no longer apply and your Account will be subject to the Daily Periodic Rate of
FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE as described above in Section 14.D. If you fail
to make your required minimum monthly payments during the Penalty period, the Penalty Rate will continue to apply. Your
monthly statement will disclose the applicable Penalty Rate for the Billing Period and are incorporated herein by reference.
15. Other Fees and Charges.
You agree to pay the following fees and charges:
A. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least the Minimum
Payment Due for each Billing Period or if we receive your payment after the Payment Due Date shown on your Billing
Statement.
B. Returned Check Fee. We can charge you up to $25.00 for each check your bank returns to us for any reason. Although
we may, we do not have to attempt to collect any check more than once.
C. Document Fee. If a copy of any Statement, charge slip or similar document is provided by us at your request (except in
connection with billing error inquiries or resolution), we can charge you and post to your Account the following fee(s):

Statement copy - $6.00
Charge slip copy - $6.00

Check/Money Order copy - $6.00

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow you to make
individual payments to your Account over the telephone or through the internet. If you choose to use one of those payment
methods, then we may assess the then current fee that we charge for this service. At present, that fee is up to $15 for each
payment made via telephone, but it may change. We will disclose the current fee to you (you may withdraw your request if
you do not want to pay the fee) before you authorize any payment(s) through either of these alternative methods.
16. Immediate Payment. We may tell you to pay the full amount you owe at once if you do not pay at least the Minimum
Payment each time you receive a Statement. We will tell you in advance and/or give you an opportunity to cure your default
only if applicable law requires us to do so.
17. Attorney Fees and Collection Costs. As permitted under applicable law, you agree to pay the reasonable costs for
collecting amounts due, including reasonable attorney’s fees and court costs by us or by another person or entity.
18. Changes. We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage
Rate and other significant changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the
effective date of the change. Notice may also include a statement of your right to cancel the account prior to the effective
date of the change.
19. Security Interest. You grant us a security interest in all goods that you purchase through the use of the Account now or
at any time in the future and in all accessions to and proceeds of such goods. We hereby waive any security interest we may
have in your principal dwelling to the extent that it would otherwise secure any obligation arising hereunder.
20. Governing Law. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. THIS IS
THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE
LAW.
21. Transfer of Rights/Assignment. Your rights under this Agreement cannot be transferred by you, by operation of law, or
otherwise, but your obligations shall be binding upon your estate or personal representatives. We may transfer or assign your
Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without
prior notice to you or your consent.
22. No Waiver of Rights. We can delay enforcing our rights under this Agreement without losing them.
23. Severability. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to
be modified to conform with applicable law.
24. Credit Reports. You hereby authorize us to investigate your credit record. You agree that a credit report may be
requested in connection with the processing of an application for credit, and subsequently in connection with any extension
of credit, or any request to increase your credit limit, or any renewal or update of your Account, or to take collection action
on the Account, or to investigate disputes regarding the Account. If you ask, we will tell you if credit reports were
requested, and the name and address of any credit bureaus that provided the reports. You understand that we may report
negative information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report. You hereby authorize us to furnish information concerning your Account to
credit bureaus and other creditors, as well as to the retailer whose name appears on your Card.
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting agency is inaccurate,
you may write to us at the address provided on the credit report from the consumer reporting agency. Your written dispute
must provide sufficient information to locate the account and why you believe the information is inaccurate. If available,
provide a copy of the section of the credit report showing the account information you are disputing.
25. Credit Insurance (as applicable). Credit insurance is not required. If you have been accepted for credit insurance
coverage, the premium charge will be added to your Account as a purchase on the last day of each Billing Period.
26. Debt Cancellation (as applicable). Your Purchase of Account Assure is optional. Whether or not you purchase Account
Assure will not affect your application for credit or the terms of any existing credit agreement you have with World
Financial Capital Bank. The monthly fee for Account Assure is based on the outstanding monthly balance on your account
each month and will be added to your account statement. We will give you additional information before you are required to
pay for Account Assure. This information will include a copy of the contract containing the terms and conditions governing
Account Assure. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits
under Account Assure. You should carefully read the contract for a full explanation of the terms of Account Assure.
27. Communication Regarding Account. Until your account is finally settled, you give direct consent to receive
communications regarding your account to us, any servicers and any collectors of your account, through various means such
as 1) any cell, landline, or text number that you provide, 2) any email address that you provide, 3) auto dialer systems, 4)
recorded messages, and other forms of communications. Further, you agree that any such communications are not unsolicited
for purposes of any state or federal law.
28. Telephone Monitoring. As part of our continuing effort to maintain a high quality of service to our customers,
telephone communications with you may be monitored and recorded. You agree that monitoring and/or recording may be
done and that no additional notice to you or additional approval from you is needed. Please inform all persons authorized to

use this account, those acting on your behalf, or anyone making payments on this account, of this provision.
29. Customer Changes. You must tell us at once if you change your name, address or employment.
30. Arbitration Of Disputes. In the event of any past, present or future claim or dispute (whether based upon contract, tort,
statute, common law or equity) between you and us arising from or relating to your Card, your application or registration,
the relationship that results or the enforceability or scope of this arbitration provision, of the Agreement or of any prior
agreement, you or we may elect to resolve the claim or dispute by binding arbitration.
IF EITHER OF YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO
LITIGATE THAT CLAIM IN A COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING
DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE
SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER
CARDHOLDERS WITH RESPECT TO OTHER CARDS, OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE
OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Even if all parties have opted to
litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims
later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of any rights under this arbitration
provision.
We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court,
if any, so long as the claim is pending only in that court and does not exceed $5,000.
Your Card involves interstate commerce, and this provision shall be governed by the Federal Arbitration Act ("FAA"). The
arbitration shall be conducted through, at the option of whoever files the arbitration claim, either Judicial Arbitration and
Mediation Services, Inc. ("JAMS") or the National Arbitration Forum ("NAF") in accordance with their procedures in effect
when the claim is filed. For a copy of their procedures, to file a claim or for other information contact JAMS at
www.jamsadr.com, toll-free at 1-800-352-5267 or NAF at www.arb-forum.com, toll-free at 1-800-474-2371. At your
written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay
to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to World Financial
Capital Bank, 3100 Easton Square Place, Columbus, Ohio 43219, Attention: General Counsel. The arbitrator will decide who
will ultimately be responsible for paying those fees. In no event will you be required to reimburse us for any arbitration
filing, administrative or hearing fees in an amount greater than what your and our combined court costs would have been if
the claim had been resolved in a state court with jurisdiction.
Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable
substantive law to the extent consistent with the FAA and applicable statues of limitations and shall honor claims of
privilege recognized at law. If requested by any party, the arbitrator shall write an opinion containing the reasons for the
award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the
amount in controversy exceeds $100,000.00 any party may appeal the award within thirty (30) days to a three-arbitrator
panel which shall review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of
the outcome. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction.
Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent
corporations, subsidiaries, affiliates (including, without limitation, Alliance Data Systems Corporation), predecessors,
successors, assigns, as well as the officers, directors, and employees of each of these entities, and will also inure to the
benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this
arbitration provision. Your rights and obligations under this arbitration shall inure to the benefit of and be binding upon all
persons contractually liable under this Agreement and all Authorized Users of the Card. This arbitration provision shall
survive termination of your Card, as well as voluntary payment in full by you, any legal proceedings by us to collect a debt
owed by you, any bankruptcy by you and any sale by use of your Card.
31. Customer Service. For customer service, you can call toll-free: 1-877-287-8879 (TDD/TTY 1-888-819-1918).
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the following:
participating Smile Generation Financial providers and such other retailers as we may determine from time to time by
notifying you via electronic mail, statement message, posting on a website or such other method as we may determine. We
reserve the right not to honor particular transactions, which may include, without limitation, transactions related to gambling,
ATM usage at casinos (if applicable through this program), and illegal activities.
Notice(s):
For Wisconsin Residents:
If you are married, please contact us immediately upon receipt of this Agreement at 1-877-287-8879 (TDD/TTY 1-888-819-
1918) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened
a credit account for you.
For Bankruptcy Notifications:
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: WFCB, Bankruptcy
Department, PO Box 183043 Columbus, OH 43218-3043

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YOUR BILLING RIGHTS; KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us In Case of Errors or Questions About Your Bill.
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your bill, write us on a
separate sheet at World Financial Capital Bank, PO Box 182620, Columbus, OH 43218-2620. Write to us as soon as
possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem
appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:

Your name and Account Number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the
item you are not sure about.

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

CCA - SGF - (11/11)