you to receive more Reward Credits than you were otherwise entitled to, or if, 
through use of the Total Rewards Card, you redeem more Reward Credits than 
you are entitled to, you agree you owe us and/or CEOC the full retail value of the 
goods or services obtained with the excess Reward Credits.  We have the right 
to  reduce  your  Reward  Credits  accordingly,  withhold  or  offset  any  subsequent 
Reward Credits to the Total Rewards account, and/or collect any amount(s) you 
owe, in any appropriate manner, including, but not limited to, the posting of an 
equivalent debit in the form of a cash advance to your Credit Card.  All disputes 
are subject to the Jury Trial Waiver and Arbitration Provision in your Credit Card 
Account Agreement.
No Cash Value, Not Your Property, and Not Transferable.  Reward Credits do not 
have  any  cash  or  monetary  value  and  may  not  be  used  to  make  payments  on 
any loan or account with us.  Reward Credits are not your property and are not 
transferable to anyone by operation of law or otherwise.   If you notify us that 
your Credit Card was lost or stolen, we may issue you a new Credit Card with your 
existing Total Rewards Account Number.  Otherwise,  Reward Credits may not be 
transferred between accounts issued by us, may not be transferred upon death 
or as part of any domestic relations legal proceedings, and may not be brokered, 
bartered, sold, transferred, or altered in any way.  Any attempted transaction of 
any such sort will automatically be void.  Anyone selling, purchasing, brokering, 
bartering, transferring, or altering Reward Credits, either wholly or partially, shall 
be liable for payment of the applicable full retail price of any goods or services 
obtained with them, as well as all damages including, but not limited to, con-
sequential damages, transaction costs, and litigation costs (including attorney’s 
fees and costs at trial and on appeal and in any bankruptcy proceeding).  Any 
brokered, bartered, altered, sold or purchased Reward Credits shall likewise be 
void and may be deducted from your Total Rewards account balance by us or by 
CEOC.  Any violation of these provisions will result in termination of your eligibil-
ity to participate in the Program and forfeiture of unused credits. 
Privacy.  We and CEOC value your privacy.  Our sharing of information about you 
is governed by our respective privacy policies.  A copy of the Comenity Privacy 
Statement was included with your Credit Card Agreement. A copy of the Total 
Rewards privacy policy is available at http://www.totalrewards.com/privacy.html.  
Your Liability and Our Liability.  You are solely liable for any applicable federal, 
state or local taxes arising out of the accrual or use of Reward Credits, and/or 
the Credit Card, and/or the Total Rewards Card. If you are denied a benefit of 
the Credit Card Reward Credits Program to which you are entitled, any liability 
that we may have and any liability of CEOC shall be limited to your earned por-
tion of that benefit.  Neither we nor CEOC are responsible for any written cor-
respondence or electronic messages that are lost or delayed in transmission. By 
redeeming Reward Credits through CEOC according to the Total Rewards Rules 
& Regulations, you release and agree to indemnify us and our parent, subsidiar-
ies, affiliates and successors from any and all liability regarding your redemption 
or  use  of  Reward  Credits,  or  other  features  of  the  Credit  Card  Reward  Credits 
Program.

Void Where Prohibited.  The terms of this Credit Card Reward Credits Program 
are subject to government and regulatory approval and are void where prohibited 
by law.
For a list of Total Rewards® Rules & Regulations, visit TotalRewards.com or any 
Total Rewards Center. Must be 21 or older to gamble. (Must be 19 or older in 
Ontario). Must be 18 or older for pari-mutuel wagering in Ohio. Know When To 
Stop Before You Start.® Gambling Problem? Call 1-800-522-4700. (IL, PA, NJ 
or CA: If you or someone you know has a gambling problem, crisis counseling 
and  referral  services  can  be  accessed  by  calling  1-800-GAMBLER  (1-800-
426-2537).  MO:  1-888-BETSOFF.  IA:  1-800-BETSOFF.  IN:  1-800-9WITHIT. 
Ontario:  Know  Your  Limit,  Play  Within  It!  1-888-230-3505.)  ©2013,  Caesars 
License Company, LLC. 

World Financial Network Bank is a ComenitySM company.
Wilmington, DE

Gambling Problem?  In OHIO, please call 1-800-589-9966.
Total Rewards®, Reward Credits® and Know When to Stop Before You Start®, are 
registered service marks of Caesars Entertainment Operating Company, Inc. Used 
with  permission.    The  Total  Rewards  Program  is  the  responsibility  of  Caesars 
Entertainment Operating Company, Inc., and its terms may change at any time.  
World Financial Network Bank is a
ComenitySM company.
Wilmington, DE

The Total Rewards Visa Card is issued by Comenity Bank pursuant to a license 
from Visa U.S.A. Inc.

Comenity Bank, Wilmington, DE

404ALLC070814
TRSTCCA-0514

TOTAL REWARDS® VISA® CREDIT CARD REWARD CREDITS 
PROGRAM

 TERMS AND CONDITIONS

These Terms and Conditions Are Subject to the Jury Trial  
Waiver and Arbitration Provision in your Total Rewards  
Visa Credit Card Account Agreement

Read These Terms and Conditions Carefully and  
Keep Them in a Safe Place

The Total Rewards Visa Credit Card Reward Credits Program 
is a program that allows you to earn Reward Credits, based on your qualifying 
purchases with your Total Rewards Visa Credit Card.  Those Reward Credits are 
then added to the Reward Credit balance on your existing Total Rewards Card.  
Reward Credits do not count towards your Tier Score or Tier status.  You can re-
deem credits at the Total Rewards Marketplace or in participating Total Rewards 
casinos.  As a Total Rewards Program member, you already know that Total Re-
wards and the Total Rewards Card are provided by Caesars Entertainment Operat-
ing Company, Inc. (“CEOC”) and that the terms and conditions for the Total Re-
wards Program are set forth in the Total Rewards Rules and Regulations (“Rules 
and Regulations”).  The Total Rewards Visa Credit Card Reward Credits Program 
and the Total Rewards Visa Credit Card (“Credit Card”) are provided by Comenity 
Bank  (“Comenity”).    This  document,  which  is  separate  and  independent  from 
your Credit Card Account Agreement, contains the terms and conditions for the 
Total  Rewards  Visa  Credit  Card  Reward  Credits  Program  (“Credit  Card  Reward 
Credits Program”). The only rights granted to you are those expressly specified in 
these Terms and Conditions.  

Definitions.    “We,”  “us,”  and  “our”  refer  to  Comenity.    “You,”  “your,”  and 
“yours” refer to the applicant who applied for and was approved by Comenity for 
the Credit Card.  
Changes  to  the  Credit  Card  Reward  Credits  Program.    WE  MAY  MODIFY,  RE-
STRICT OR CHANGE THE CREDIT CARD REWARD CREDITS PROGRAM AT ANY 
TIME.  THESE CHANGES MAY INCLUDE, BUT ARE NOT LIMITED TO, CHANG-
ING  THE  NUMBER  OF  REWARD  CREDITS  YOU  EARN  FOR  A  PARTICULAR 
PURCHASE OR CATEGORY OF PURCHASES; OR IMPOSING, INCREASING, OR 
ELIMINATING CAPS ON THE NUMBER OF REWARD CREDITS YOU MAY EARN 
OVER ANY PARTICULAR PERIOD OF TIME; OR CHANGING THE CONDITIONS 
UNDER  WHICH  REWARD  CREDITS  EXPIRE  OR  ARE  FORFEITED.    WE  WILL 
NOTIFY YOU OF MATERIAL CHANGES TO THESE TERMS AND CONDITIONS 
AND,  UNLESS  YOU  DECIDE  TO  TERMINATE  YOUR  PARTICIPATION  IN  THE 
CREDIT CARD REWARD CREDITS PROGRAM, YOU WILL BE BOUND BY THE 
REVISED TERMS AND CONDITIONS.  WE ALSO RESERVE THE RIGHT TO SUS-
PEND OR TERMINATE YOUR PARTICIPATION IN THE CREDIT CARD REWARD 
CREDITS PROGRAM, OR THE CREDIT CARD REWARD CREDITS PROGRAM IN 
ITS ENTIRETY, AT ANY TIME WITHOUT COMPENSATION TO YOU.
Participation.    To  participate  in  the  Credit  Card  Reward  Credits  Program  you 
must:

Have a Total Rewards account with a Total Rewards Account Number; 

Have  a  Credit  Card  that  displays  your  Total  Rewards  Account  Number  (if  no 
number appears or the number is incorrect, you may not earn Reward Credits for 
using your Credit Card);

Keep your Credit Card account open and in good standing (not past due or oth-
erwise in default);

Reside within the United States; 

Be  an  individual  21  years  of  age  or  older  (you  may  be  18  years  of  age  to  be 
eligible for the Credit Card without qualifying for participation in the Total Re-
wards Program, except for residents of Puerto Rico, who must be 21 in either 
circumstance); 

Not be an employee of CEOC, its owned, operated, or managed properties, or any 
of their affiliates, subsidiaries, or parent; 

Not  have  any  overdue  obligations  to  CEOC,  its  owned,  operated,  or  managed 
properties, or any of their affiliates, subsidiaries, or parent; and 

Not be included in any gaming exclusion programs recognized by a gaming regu-
latory agency or by CEOC;

Adhere to all other rules and regulations of the Total Rewards Program.

Earning  Reward  Credits.    While  you  may  not  exceed  the  credit  limit  for  your 
Credit Card, there are no other limits on the maximum Reward Credits you may 
earn.  You will earn Reward Credits when you or any authorized user use your 
Credit Card for qualifying purchases.  The amounts you earn vary by category, as 
set forth in the table at the end of these Terms and Conditions, and are calcu-
lated at the end of each day based on new net retail transactions in each category 
(purchases plus applicable taxes, less credits, returns and adjustments, rounded 
up to the nearest dollar) (“Net Purchases”).  However, unless we advise you oth-
erwise, neither your Account Assure premiums nor any other optional products 
that we offer will earn Reward Credits.  You also do not earn Reward Credits for 
any other amounts billed to your Credit Card account; that includes convenience 
checks,  balance  transfers,  cash  advances  including;  financial  institution  cash 
advances, cash advance withdrawals from Automated Teller Machines, finance 
charges and fees, and purchases of money orders, person-to-person money trans-
fers, wire transfers, bets, lottery tickets (to the extent such transactions are per-
mitted by law), and casino gaming chips.  If any purchase transaction is alleged 
to have been unauthorized or fraudulent, or is the subject of a billing dispute 
or a dispute with the merchant for which you are withholding payment, the cor-
responding Reward Credits for the transaction may be temporarily deducted from 
your Total Rewards account balance while we investigate.  If after investigating 
we determine that the transaction should not have been posted to your account, 
then  the  Reward  Credits  for  the  transaction  will  be  deducted  from  your  Total 
Rewards account balance (unless this has already happened).
Redemption, Expiration, and Forfeiture.  It is your responsibility to monitor your 
Total Rewards account balance to make sure that the Reward Credits you earn 
through the Credit Card Reward Credits Program are added to that balance.  Your 
Reward Credits from using your Credit Card will not appear on your Credit Card 
statement.  CEOC will post them to your Total Rewards account and the Reward 
Credits will be available for redemption within 5 business days.   You must earn 
at  least  one  Reward  Credit  every  six  months  or  use  your  Total  Rewards  Visa 
Card to maintain your Reward Credit balance.  Otherwise, your Reward Credits 
will expire.  You can earn Reward Credits by using your Credit Card for qualify-
ing purchases, engaging in earning activity at Total Rewards destinations in the 
continental US and Canada (visit TotalRewards.com for a list of destinations), or 
by participating in another Total Rewards Alliance. The six-month period begins 
on the date on which the most recent Reward Credits post to your Total Rewards 
account.    You  can  check  your  Reward  Credit  account  balance  and  impending 
expiration date online at www.totalrewards.com or by visiting any Total Rewards 
Center. If your Credit Card is cancelled, whether by you or by us, or if you no 
longer qualify to participate in the Total Rewards Visa Credit Card Reward Credits 
Program for any other reason, Reward Credits not already transferred into your 
Total Rewards account will be irrevocably forfeited.  You may redeem any Reward 
Credits that have previously been posted to your Total Rewards account balance 
as long as you still have a Total Rewards account that is in good standing, and 
have a Reward Credit balance.  
Questions,  Errors,  Excess  Redemption,  and  Disputes.    All  questions  regarding 
the Total Rewards Card and Reward Credits should be directed to CEOC and all 
questions regarding the Credit Card should be directed to us.  The billing error 
resolution procedures of your Credit Card Agreement do not apply to the Credit 
Card Reward Credits Program, but if you think there was an error in connection 
with the Reward Credits you earned when you used your Credit Card for a qualify-
ing purchase, send an email to CEOC by selecting “Send Us an Email” at https://
www.totalrewards.com/CustomerService. Be sure to include your name, your To-
tal Rewards Account Number, the dollar amount of the suspected error, and a 
description of the problem.  CEOC must hear from you no later than six months 
from the posting date of the transaction.   CEOC will notify us, if necessary, and 
we and CEOC will investigate, based on the Terms and Conditions and the Rules 
and Regulations in effect at the time the transaction was posted to your Credit 
Card account.  If an adjustment to your Total Rewards account balance causes 

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,

Total Rewards® Visa® and Total Rewards® Visa Signature®

TRSTCCA-0514

Credit Card Terms and Conditions;
Credit Card Agreement; Privacy Notice and
Total Rewards Program Terms and Conditions

To be approved you must: 1) Be at least 18 years of age, 2) Be a U.S. resident residing in the United States, 3) Have a U.S. Social Security Number, 4) Have a 
street, rural route or APO/FPO mailing address (no P.O. Box addresses), 5) Have a Total Rewards Number.

I understand I am being considered for a Total Rewards Visa Signature® Credit Card. If I do not qualify for the Total Rewards Visa Signature Credit Card, I will still be 
considered for the Total Rewards Visa Credit Card.

By providing your contact information above, you agree to be contacted regarding your account via text message or telephone, including the use of pre-recorded or auto-
dialed calls. Standard mobile, message, or data rates may apply.

Offer is subject to final credit approval. By signing or otherwise submitting this application/solicitation, each applicant (“I,” “me” or “my” below) agrees and certifies 
that (1) I have read and agree to the disclosures provided on or with this application/solicitation, (2) the information I have supplied is true and correct, (3) I am applying 
to Comenity Bank (“Bank”) for either a Total Rewards Visa Signature Credit Card or Total Rewards Visa Credit Card Account and the Bank will decide which account, if 
any, to offer me, (4) I authorize the Bank to obtain credit reports on me, (5) if approved, my account will be governed by the Credit Card Agreement, (6) I understand 
that I may pay all of my account balance at any time without penalty and (7) this application/solicitation and any information I submitted to the Bank may be shared 
with and retained by Caesars Entertainment Operating Company, Inc.

If you are currently listed on a gaming exclusion list, you may be approved for a credit card but will not be eligible to earn Reward Credits as part of the Total Rewards 
program.

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.

CA Residents: If you are married, you may apply for a separate account. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally 
available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights 
Commission administers compliance with this law. NY, RI and VT Residents: We may order credit reports in connection with processing applications/solicitations and 
any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You 
consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. WI Residents: No provision of a marital property agreement, 
unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of Comenity 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.

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 
505, Woodlyn, PA 19094 ; Equifax, PO Box 740123, Atlanta, GA 30374.

Your Total Rewards Visa or Total Rewards Visa Signature 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.
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,  revolve  lines  and  credit 
limits, and credit limits, and how payments are calculated and applied
Interest, fees and charges: when and how fees and costs are applied to your 
account

D. 

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

Privacy statement: how we collect, use, share, and protect your personal informa-
tion; and the privacy choices you can make.
Financial terms of your account

Interest Rates and Interest Charges

Annual Percentage 
Rate (APR) for 
Total Rewards 
Purchases

Annual Percentage 
Rate (APR) for 
Total Rewards 
Visa Signature 
Purchases

14.99%, 17.99% or 
22.99% when you open 
your account, based on your 
creditworthiness.

After that, this APR will vary with the 
market based on the Prime Rate.
13.99%, 17.99% or 
22.99% when you open 
your account, based on your 
creditworthiness.

After that, this APR will vary with the 
market based on the Prime Rate.

APR for Balance 
Transfers and Cash 
Advances

25.99%
This APR will vary with the market 
based on the Prime Rate.

Paying Interest

Minimum Interest 
Charge

Your due date is at least 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.   We will begin 
charging interest on balance transfers 
and cash advances on the transaction 
date.

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

For Credit 
Card Tips from 
the Consumer 
Financial 
Protection Bureau

To learn more about factors to consider 
when applying for or using a credit 
card, visit the website of the Consumer 
Financial Protection Bureau at http://
www.consumerfinance.gov/learnmore.

Fees

•	

Annual	Fee

None

Transaction Fees
•	

Balance	Transfer

•	

•	

•	

Cash	Advance

Convenience	Checks

Foreign	Transaction

The greater of $5 or 3% of the 
amount of the balance transfer. 
The greater of $5 or 3% of the 
amount of the cash advance.
The greater of $5 or 3% of the 
amount of the convenience 
check.
3% of each transaction in U.S. 
dollars.

Penalty Fees
•	
•	

Late	Payment
Returned	Payment

Up to $35.00
Up to $35.00

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 Depart-
ment 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(s) as 
of May 1, 2014. We divide the APR by 365 to determine the daily periodic rate.

Total Rewards Visa Signature 
Tier 3 APR for Purchases

Total Rewards Visa Signature 
Tier 2 APR for Purchases

Total Rewards Visa Signature 
Tier 1 APR for Purchases

Total Rewards Visa Tier 3 APR 
for Purchases

Total Rewards Visa Tier 2 APR 
for Purchases

Total Rewards Visa Tier 1 APR 
for Purchases

Balance  Transfers  and  Cash 
Advances

Add to Index APR

Daily Periodic Rate

10.74%

13.99% 0.03832%

14.74%

17.99% 0.04928%

19.74%

22.99% 0.06298%

11.74%

14.99% 0.04106%

14.74%

17.99% 0.04928%

19.74%

22.99% 0.06298%

22.74%

25.99% 0.07120%

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.

The greater of:
o 

Minimum Payment: 
The Minimum Payment Due is the total of minimum payments for Regular Re-
volving and Promotional Credit Plan purchases plus any Past Due amounts. The 
total Minimum Payment Due on your account won’t be less than $25.00. If your 
Account  balance  is  less  than  $25.00,  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: 
•	

•	

1% of the New Balance, excluding any new Regular Revolving or Cash 
Revolving Credit Plan Finance Charges shown on the Statement; or
$5.00  

o 
Plus  any  new  Regular  Revolving  or  Cash  Revolving  Credit  Plan  Finance 
Charges shown on the Statement 
Rounded up to the nearest $1.00.  

•	
For  the  Total  Rewards  Visa  Signature  accounts,  the  Minimum  Payment  is  the 
total of the Minimum Payment Due (as calculated above) plus the greater of any 
Past Due amount or the amount over the Revolve Line. See Revolve Line in Sec-
tion C in this Agreement for additional information.
The APR information described below is accurate as of May 1, 2014.  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 web-
site at comenity.net/TotalRewardsVisa.
A. Getting Started
Definitions
In  this  Agreement,  “We,”  “Us”  and  “Our”  mean  Comenity  Bank.  “You”  and 
“Your” mean each person who submits an application or solicitation for an Ac-
count 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  Caesars  Entertainment  Operating  Com-
pany, Inc 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.
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, trav-
eler’s checks, Visa TravelMoney Cards, or to initiate wire transfers or gam-
ing  transactions  (if  permitted  by  us).    Quasi-Cash  transactions  are  cash 
advances and will be subject to a Fee as explained below.
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 re-
sponsible for this Account, we will only provide billing statements and com-
munications 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 ac-
cepted.
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 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  Co-
menity Bank Account.
You agree not to use a convenience check, and we do not have to pay any 
convenience check:
o 
o 

if you are in default under this Agreement;
if payment of that convenience check would cause your outstanding 
cash advance balance to exceed your cash advance limit; or
if we cancel or suspend your right to use convenience checks

o 
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 be given 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  limita-
tions on dollar amount, number, or currency denominations.
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  ad-
vance.

o 

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 dif-
fer from the rate in effect on the transaction date or the posting date.
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.

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Making payments
•	

Pay your Account by sending a check, money order, or cashier’s check pay-
able  in  U.S.  dollars,  to  the  name  and  address  shown  on  your  Statement 
specified for payments. Please don’t send cash.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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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 

o 

of our rights.
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:
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Fail to make any payment when due
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Violate any provision of this Agreement
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Pass away
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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
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Fail to supply us with any information we deem necessary
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Default under any other loan or agreement you have with us or any of our 
affiliates
Become incompetent
Exceed your Revolve Line or Credit Limit
Issue a payment returned unpaid by your bank for any reason

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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  im-
mediately 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
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Your Account may consist of a non-promotional (“Regular Revolving”) Cred-
it 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 discre-
tion 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 promo-
tional period ends, the balance will be transferred to your Regular Revolving 
balance.
Promotional Credit Plans may include:
o  Waive Interest, Payment Required  o  Defer Interest, Payment Required
o  Waive Interest, Equal Payment 
o  Waive Interest, Low Payment 
o  Defer Interest, Equal Payment 

o  Defer Interest, Low Payment
o  Low APR, Equal Payment
o  Budget Payment

Skip-payment option
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At our discretion, we may allow you to skip making the Minimum Payment.
Finance 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.

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Total Rewards Visa Signature Card Revolve Line
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We reserve the right to evaluate each charge and may authorize purchases 
greater than the Revolve Line.    
We reserve the right to decline any authorization request at any time for any 
reason.  
We may ask you for additional information at any time to evaluate a transac-
tion request of your use of your Total Rewards Visa Signature Credit Card 
Account generally.  
You agree that any purchases and fees which cause your New Balance to 
exceed  your  Revolve  Line  shall  be  due  and  payable  by  the  payment  Due 
Date specified on the billing statement identifying such charges and that 
we shall include such amount in the Minimum Payment Due for that billing 
period as described in the Minimum Payment section above.  
If you do exceed your Revolve Line, we can still charge you for all purchas-
es, Finance Charges and other charges without giving up any of our rights 
under this Agreement.
You will be advised of your Revolve Line at the time you receive your Total 
Rewards Visa Signature Credit Card.  
You agree that we may change your Revolve Line from time to time.  
We will identify subsequent changes to your Revolve Line on your periodic 
billing statements.  

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 transac-
tions, interest and other charges without giving up any of our rights under 
this Agreement.
We may change your Credit Limit at any time.

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Account cancellation
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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
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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 Regu-
lar Revolving and promotional Credit Plans plus any Past Due amounts or 
Fees.
The Total Minimum Payment won’t be less than $25.00. If your Account 
balance is less than $25.00, 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 payments for Regular Revolving Credit Plans, Waive In-
terest, Payment Required and Defer Interest, Payment Required Credit 
Plans will be the greater of:

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(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.

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.
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 be-
tween the date of the purchase and the promotional period end date 
(minimum $5.00) rounded up to the nearest $1.00.
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.

We reserve the right to apply payments equal to or less than the Total Mini-
mum 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.

Payment application
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D. Interest, fees and charges
Interest charges
•	

There is no period in 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 a Finance Charge. For a cash advance using a 
convenience  check,  the  date  of  the  advance  is  the  date  the  convenience 
check is presented to us or our agent for payment. For all other cash ad-
vances, the date of the advance is the date you obtained the advance.
If  you  make  a  purchase  under  a  Regular  Revolving  Credit  Plan,  interest 
charges won’t be imposed in any billing period in which (i) no Previous Bal-
ance exists or (ii) payments received and credits issued by the Payment Due 
Date, equal or exceed the Previous Balance.
If the New Balance shown on your last Statement isn’t paid in full by the 
Payment Due Date shown on your last Statement, there will be an interest 
charge on each purchase from the date of purchase.
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 be-
fore 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 inter-
est 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 inter-
est 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:

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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, 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
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The Index in effect for each billing period will 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 pe-
riod begins, rounded upward if necessary, to the nearest .001% (“Index”). 
Any variable APR may increase if 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 Pay-
ment Due Date, we will charge you a late fee.
o 

The fee is $25.00 if you were not charged a late fee during any of the 
prior six billing periods.
Otherwise, the fee is $35.00.
This  fee  will  never  exceed  the  minimum  payment  due  that  was  due 
immediately prior to the date on which the fee was assessed.

o 
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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  $25.00  if  you  were  not  charged  a  returned  payment  fee 
during any of the prior six billing periods.
Otherwise, the fee is $35.00.
This  fee  will  never  exceed  the  minimum  payment  due  that  was  due 
immediately prior to the date on which the fee was assessed.

o 
o 

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

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 
o 
o 
Alternative Payment Method Fee: We may offer alternative payment meth-
ods 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 ap-
plicable 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 obtained in person from a finan-
cial institution or through an ATM, and for any Quasi-Cash transaction 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 automated teller machine (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  Ac-
count 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.

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E. Other important information 
Collection costs
To the extent not prohibited by applicable law, you agree to pay the reasonable 
costs for collecting amounts due, including reasonable attorney’s fees and court 
costs incurred by us or another person or entity.
Changes
We may add, change, or delete the terms of your Account. If required by appli-
cable 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 dwell-
ing, 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
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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 con-
nection with a credit extension, revolve line or 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 pay-
ments,  missed  payments,  or  other  defaults)  about  your  Account  to  con-
sumer reporting agencies.
You give us permission to provide information about your Account to con-
sumer  reporting  agencies  and  other  creditors,  as  well  as  to  the  retailer 
whose name appears on your Card.

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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:
•	
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Account Information:  Your name and Account number
Contact Information:  Your address and telephone number
Disputed Information:  Identify the Account information disputed and ex-
plain 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:
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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:
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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.

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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 revolve line or 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.

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) Co-
menity 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 Arbi-
tration 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 10019, 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  par-
ties. 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 Admin-
istrator 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  ARBI-
TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
TIFF, 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 CONSOLI-
DATED 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 Constitu-
tional 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 al-
lowable 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 repay-
ment 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 Arbitra-
tion 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 re-
main 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).

•	

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 state-
ment 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 ac-
count 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 insur-
ance 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.
•	
Your decision whether or not to purchase Account Assure Pro won’t affect 
your application for credit or the terms of any existing credit agreement you 
have with us.
The monthly fee for Account Assure Pro is based on the outstanding month-
ly balance on your Account each month and will be added to your State-
ment.
We’ll  provide  additional  information  before  you’re  required  to  pay  for  Ac-
count  Assure  Pro.  This  will  include  a  copy  of  the  terms  and  conditions 
pertaining to Account Assure Pro.
You can cancel your Account Assure Pro at any time.
There  are  eligibility  requirements,  conditions,  and  exclusions  that  could 
prevent you from receiving benefits under Account Assure Pro.
Be sure to carefully read the Addendum for a full explanation of the terms 
of Account Assure Pro.
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, contractors and 
collectors of your Account, to communicate with you in any way, such as calling, 
texting, or electronic mail via:
1) 

a cell, landline, or text number you provide, use to contact us, or at which 
we believe we can reach you (even if it is not yours),
any electronic mail address you provide to us or one of our merchants,
automated dialer systems and automatic telephone dialing systems,
pre-recorded or artificial voice messages and other forms of communica-
tions.

2) 
3) 
4) 

•	
•	

•	

•	

•	

You also agree that these communications aren’t unsolicited for purposes of any 
state or federal law, and you understand that this may result in additional mobile, 
text message, or data 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.

•	

•	

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
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 “Defen-
dant”) written notice of the Claim (a “Claim Notice”) and a reasonable opportu-
nity, 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 No-
tice 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. BE-
LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
TIAL 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.

*   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *

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:

•	

•	

•	

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 

o 

of our rights.
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 Revolve Line or 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  im-
mediately 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”) Cred-
it 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 discre-
tion 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 promo-
tional period ends, the balance will be transferred to your Regular Revolving 
balance.
Promotional Credit Plans may include:
o  Waive Interest, Payment Required  o  Defer Interest, Payment Required
o  Waive Interest, Equal Payment 
o  Waive Interest, Low Payment 
o  Defer Interest, Equal Payment 

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.
Finance 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.

•	
Total Rewards Visa Signature Card Revolve Line
•	

We reserve the right to evaluate each charge and may authorize purchases 
greater than the Revolve Line.    
We reserve the right to decline any authorization request at any time for any 
reason.  
We may ask you for additional information at any time to evaluate a transac-
tion request of your use of your Total Rewards Visa Signature Credit Card 
Account generally.  
You agree that any purchases and fees which cause your New Balance to 
exceed  your  Revolve  Line  shall  be  due  and  payable  by  the  payment  Due 
Date specified on the billing statement identifying such charges and that 
we shall include such amount in the Minimum Payment Due for that billing 
period as described in the Minimum Payment section above.  
If you do exceed your Revolve Line, we can still charge you for all purchas-
es, Finance Charges and other charges without giving up any of our rights 
under this Agreement.
You will be advised of your Revolve Line at the time you receive your Total 
Rewards Visa Signature Credit Card.  
You agree that we may change your Revolve Line from time to time.  
We will identify subsequent changes to your Revolve Line on your periodic 
billing statements.  

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 transac-
tions, 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 Regu-
lar Revolving and promotional Credit Plans plus any Past Due amounts or 
Fees.
The Total Minimum Payment won’t be less than $25.00. If your Account 
balance is less than $25.00, 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 payments for Regular Revolving Credit Plans, Waive In-
terest, Payment Required and Defer Interest, Payment Required Credit 
Plans will be the greater of:

•	

•	

•	

•	

o 

o 

o 

(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.

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.
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 be-
tween the date of the purchase and the promotional period end date 
(minimum $5.00) rounded up to the nearest $1.00.
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.

We reserve the right to apply payments equal to or less than the Total Mini-
mum 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.

Payment application
•	

D. Interest, fees and charges
Interest charges
•	

There is no period in 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 a Finance Charge. For a cash advance using a 
convenience  check,  the  date  of  the  advance  is  the  date  the  convenience 
check is presented to us or our agent for payment. For all other cash ad-
vances, the date of the advance is the date you obtained the advance.
If  you  make  a  purchase  under  a  Regular  Revolving  Credit  Plan,  interest 
charges won’t be imposed in any billing period in which (i) no Previous Bal-
ance exists or (ii) payments received and credits issued by the Payment Due 
Date, equal or exceed the Previous Balance.
If the New Balance shown on your last Statement isn’t paid in full by the 
Payment Due Date shown on your last Statement, there will be an interest 
charge on each purchase from the date of purchase.
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 be-
fore 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 inter-
est 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 inter-
est 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, 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
•	

The Index in effect for each billing period will 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 pe-
riod begins, rounded upward if necessary, to the nearest .001% (“Index”). 
Any variable APR may increase if 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 Pay-
ment Due Date, we will charge you a late fee.
o 

The fee is $25.00 if you were not charged a late fee during any of the 
prior six billing periods.
Otherwise, the fee is $35.00.
This  fee  will  never  exceed  the  minimum  payment  due  that  was  due 
immediately prior to the date on which the fee was assessed.

o 
o 

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  $25.00  if  you  were  not  charged  a  returned  payment  fee 
during any of the prior six billing periods.
Otherwise, the fee is $35.00.
This  fee  will  never  exceed  the  minimum  payment  due  that  was  due 
immediately prior to the date on which the fee was assessed.

o 
o 

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

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 
o 
o 
Alternative Payment Method Fee: We may offer alternative payment meth-
ods 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 ap-
plicable 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 obtained in person from a finan-
cial institution or through an ATM, and for any Quasi-Cash transaction 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 automated teller machine (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  Ac-
count 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
To the extent not prohibited by applicable law, you agree to pay the reasonable 
costs for collecting amounts due, including reasonable attorney’s fees and court 
costs incurred by us or another person or entity.
Changes
We may add, change, or delete the terms of your Account. If required by appli-
cable 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 dwell-
ing, 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 con-
nection with a credit extension, revolve line or 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 pay-
ments,  missed  payments,  or  other  defaults)  about  your  Account  to  con-
sumer reporting agencies.
You give us permission to provide information about your Account to con-
sumer  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 ex-
plain 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 revolve line or 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.

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) Co-
menity 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 Arbi-
tration 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 10019, 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  par-
ties. 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 Admin-
istrator 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  ARBI-
TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
TIFF, 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 CONSOLI-
DATED 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 Constitu-
tional 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 al-
lowable 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 repay-
ment 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 Arbitra-
tion 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 re-
main 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).

•	

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 state-
ment 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 ac-
count 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 insur-
ance 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.
•	
Your decision whether or not to purchase Account Assure Pro won’t affect 
your application for credit or the terms of any existing credit agreement you 
have with us.
The monthly fee for Account Assure Pro is based on the outstanding month-
ly balance on your Account each month and will be added to your State-
ment.
We’ll  provide  additional  information  before  you’re  required  to  pay  for  Ac-
count  Assure  Pro.  This  will  include  a  copy  of  the  terms  and  conditions 
pertaining to Account Assure Pro.
You can cancel your Account Assure Pro at any time.
There  are  eligibility  requirements,  conditions,  and  exclusions  that  could 
prevent you from receiving benefits under Account Assure Pro.
Be sure to carefully read the Addendum for a full explanation of the terms 
of Account Assure Pro.
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, contractors and 
collectors of your Account, to communicate with you in any way, such as calling, 
texting, or electronic mail via:
1) 

a cell, landline, or text number you provide, use to contact us, or at which 
we believe we can reach you (even if it is not yours),
any electronic mail address you provide to us or one of our merchants,
automated dialer systems and automatic telephone dialing systems,
pre-recorded or artificial voice messages and other forms of communica-
tions.

2) 
3) 
4) 

•	
•	

•	

•	

•	

You also agree that these communications aren’t unsolicited for purposes of any 
state or federal law, and you understand that this may result in additional mobile, 
text message, or data 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.

•	

•	

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
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 “Defen-
dant”) written notice of the Claim (a “Claim Notice”) and a reasonable opportu-
nity, 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 No-
tice 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. BE-
LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
TIAL 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.

*   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *

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Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual Percentage Rate 
(APR) for Total Rewards 
Visa Signature Card 
Purchase 
Annual Percentage Rate 
(APR) for Total Rewards 
Visa Card Purchases 
APR for Balance Transfers 
and Cash Advances 
Paying Interest 

Minimum  Interest  Charge 

Prime rate plus 19.74%, 14.74% or 10.74% 
This APR will vary with the market based on the Prime Rate. 

Prime rate plus 19.74%, 14.74%, or 11.74%. 
This APR will vary with the market based on the Prime Rate. 

Prime rate plus 22.74%. 
This APR will vary with the market based on the Prime Rate. 
Your  due date  is at least  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. We will begin charging interest on cash advances and balance transfers 
on the transaction date. 
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 
•  Cash Advance 
•  Convenience Check 
•  Foreign Transaction 

Penalty  Fees 
•  Late Payment 
•  Returned Payment 

Balance Computation 
Method 

The greater of $5 or 3% of the amount of the balance transfer. 
The greater of $5 or 3% of the amount of the cash advance. 
The greater of $5 or 3% of the amount of the convenience check. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 

We  use a method  called "daily  balance  (including  new purchases)."