Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-877 PO #0094014422; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used: 
 �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  �
  Your Ohio University Alumni MasterCard  Credit Card account               OUACCA0314
 opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  agreement.
 shall be sent in writing to the address we have in our records (or any updated  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
  This card is issued by Comenity Capital Bank pursuant to a li- Rate Information: The following chart provides details on your variable rate(s) as 
 address you subsequently provide to us).  Any Claim Notice to us shall be sent by  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
                                            of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
 mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  cense from MasterCard. MasterCard is a registered trademark 
                                            rate.
 (or any updated address we subsequently provide).  Any Claim Notice you send  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  of MasterCard International Incorporated.  This Agreement cov-
 must provide your name, address and Account number.  Any Claim Notice must  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI-
  ers the Terms and Conditions of your account with us. In this  Add to Index APR Daily Periodic Rate
 explain the nature of the Claim and the relief that is demanded.  You may only  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
  document, you will ?nd important information about using and 
 submit a Claim Notice on your own behalf and not on behalf of any other party.  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Tier 1 19.74% 22.99% 0.06298%
 No third party, other than a lawyer you have personally retained, may submit a  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  managing your account, including a Privacy Statement and infor-
 Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  mation concerning your billing rights. Your use of the account, or  Tier 2 15.74% 18.99% 0.05202%
 ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI- failure to close the account within the 30 days of receiving this 
 DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND  Tier 3 9.74% 12.99% 0.03558%
 C. Arbitration provision
  document, indicates your acceptance of the terms of this agree-
 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  Balance Transfers  20.74% 23.99% 0.06572%
 THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  ment, including the assessment of any interest charges and fees.
                                             and Cash Advances
 LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- OR MULTIPLE-PARTY ARBITRATION.  Section I of this Agreement also includes a Jury Trial Waiver and 
 TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  an Arbitration Provision in the event of a dispute. We�ll charge you a minimum interest charge of $2.00 per credit plan for any 
 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  must take place at a location reasonably convenient to you. We will pay any and  billing period in which interest is due. For additional information, see Rates in 
  �	 You have a right to reject this Arbitration Provision.
 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  all fees of the Administrator and/or the arbitrator if applicable law requires us  Section D.
  �	 If you do not reject this Arbitration Provision, it will be part 
 prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  to, if you prevail in the arbitration or if we must bear such fees in order for this  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
 Arbitration Provision to be enforced. If you demand an arbitration, we will pay  of this Agreement and will:
 to apply, you may reject it by mailing us a written rejection notice which gives the  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
 name of each Cardholder and contains a statement that you (both of you, if more  your reasonable attorneys� and experts� fees if you prevail or if we must bear such  o  Eliminate your right to a trial by jury; and Past Due amounts. The total Minimum Payment Due on your account won�t be 
 than one) reject the Arbitration Provision of this Agreement. The rejection notice  fees in order for this Arbitration Provision to be enforced. Also, we will bear any  o  Substantially affect your rights, including your right to  less than $25.00. If your Account balance is less than $25.00, you must pay the 
 must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  fees if applicable law requires us to. amount indicated on your Statement in full. The Minimum Payment Due for each 
       bring, join in or participate in class proceedings.
 43218-2422. A rejection notice is only effective if it is signed by you (all of you,  9. Governing Law:  This Arbitration Provision involves interstate commerce and  Regular Revolving and Cash Revolving Credit Plans will be: 
  Please read each section carefully and keep this document for 
 if more than one) and if we receive it within thirty (30) calendar days after the  is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  �	 The greater of:
  your records.
 date we ?rst provide you with a credit card agreement or written notice providing  not by any state arbitration law. The arbitrator must apply applicable substantive  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
 you a right to reject this Arbitration Provision. Your rejection of this Arbitration  law consistent with the FAA and applicable statutes of limitations and claims of  In the following sections, you will ?nd information on: Revolving Credit Plan Finance Charges shown on the Statement; or 
 Provision will not affect any other provision of this Agreement or your ability to  privilege recognized at law. The arbitrator may award any remedy provided by the  o $5.00
  Financial terms of your account: An at-a-glance summary of the fees and charges 
 obtain credit. substantive law that would apply if the action were pending in court (including,  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
  associated with your account
 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  without limitation, punitive damages, which shall be governed by the Constitu- Charges shown on the Statement rounded up to the nearest $1.00.
  A.  Getting started: the basics of your account
 (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  tional standards employed by the courts). At the timely request of either party,  See Minimum Payment in Section C below for promotional credit plan minimum 
  B.  Keeping your account in good standing: avoiding default, and what to do if 
 Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the  the arbitrator must provide a brief written explanation of the basis for the award. payment calculations. 
     your card is lost or stolen, as applicable
 employees, of?cers and directors of such companies (the �Bank Parties�); and  10. Right to Discovery:  In addition to the parties� rights to obtain discovery  The APR information described below is accurate as of March 1, 2014.  Due to a 
  C.  Learning more about your account: credit plans, and credit limits, and how 
 (b) any other person or company that provides any services in connection with  pursuant to the arbitration rules of the Administrator, either party may submit  change in the index, this information may have changed.   To ?nd out more, call 
     payments are calculated and applied
 this Agreement if you assert a Claim against such other person or company at the  a written request to the arbitrator to expand the scope of discovery normally al- us at 1-866-439-3677  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
  D.  Interest, fees and charges: when and how fees and costs are applied to your 
 same time you assert a Claim against any Bank Party. lowable under the arbitration rules of the Administrator. The arbitrator shall have  Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
     account
 3. Covered Claims:  �Claim� means any claim, dispute or controversy between  discretion to grant or deny that request. site at comenity.net/ohioalumni.
 you and us that in any way arises from or relates to this Agreement, the Account,  11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  E.  Other important information: legal rights, costs, and how we�ll handle 
                                            A. Getting Started
     changes to your account
 the issuance of any Card, any rewards program, any prior agreement or account.  award may be entered by any court having jurisdiction. The arbitrator�s decision 
  F.  Disputes and reporting to consumer reporting agencies: data we provide,  De?nitions
 �Claim� includes disputes arising from actions or omissions prior to the date  is ?nal and binding, except for any right of appeal provided by the FAA. However, 
     and receive from, consumer reporting agencies, and what to do if you think  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
 any Card was issued to you, including the advertising related to, application for  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 bene?t to either party  there is an error on your periodic statement and �Your� mean each person who submits an application or solicitation for an 
 or approval of the Account. �Claim� has the broadest possible meaning, and  Account with us. �Account� means your credit card account with us. �Card� 
 includes initial claims, counterclaims, cross-claims and third-party claims. It  exceeding $50,000, any party can, within 30 days after the entry of the award  G.  Optional products: how to protect your account from fraud or theft, and 
                                            means each credit card we issue for your Account, as applicable. �Credit Plan� 
 includes disputes based upon contract, tort, consumer rights, fraud and other  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  information on services that can help pay your debt in case of emergencies
                                            means one or more payment program options Ohio University Foundation may 
 intentional torts, constitution, statute, regulation, ordinance, common law and  Administrator. The panel shall reconsider anew any aspect of the initial award  H.  Communicating with us: what happens when you contact us
                                            ask us to offer from time to time.
 equity (including any claim for injunctive or declaratory relief). �Claim� does not  requested by the appealing party. The decision of the panel shall be by majority  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
                                            Upholding your Agreement
 include disputes about the validity, enforceability, coverage or scope of this Arbi- vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  a jury trial waiver and Arbitration provision
 tration Provision or any part thereof (including, without limitation, the prohibition  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  Privacy statement: how we collect, use, share, and protect your personal informa- �	 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 
 against class proceedings, private attorney general proceedings and/or multiple  an appeal will be borne in accordance with Paragraph C.8. above. tion; and the privacy choices you can make.
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay- credit from us, you�ll be legally bound by this Agreement. You�re also legally 
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the  Financial terms of your account
 ment of all amounts owed under this Agreement, the closing of the Account, any  bound if you sign a charge slip, or permit someone else to use the credit 
 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  legal proceeding and any bankruptcy to the extent consistent with applicable  provided.
   Interest Rates and Interest Charges      �	 You agree that the credit extended under your Account will be used only for 
 concerns the validity or enforceability of the Agreement as a whole is for the  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- World Financial Capital Bank is a Comenity SM company.
                                               personal, family or household purposes and not for business or commercial 
 arbitrator, not a court, to decide. tion Provision, on the one hand, and the applicable arbitration rules or the other 
 Salt Lake City, UT
 4. Starting an Arbitration:  Arbitration may be elected by any party with respect  provisions of this Agreement, on the other hand, this Arbitration Provision shall  22.99%, 18.99%,  purpose.
 govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. �	 If the Account is a joint Account, you and the joint Account holder will 
 to any Claim, even if that party has already initiated a lawsuit with respect to a 
                                               be bound by this Agreement. Each of you will be jointly and individually 
 different Claim. Arbitration is started by giving a written demand for arbitration  13. Severability:  If any portion of this Arbitration Provision, other than the Class  or 12.99%  when you 
   Annual Percentage 
 to the other party. We will not demand to arbitrate an individual Claim that you  Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  responsible for repaying all amounts due.  If more than one person is re-
                open your account, based on your 
   Rate (APR) for                              sponsible for this Account, we will only provide billing statements and com-
 bring against us in small claims court or your state�s equivalent court, if any. But  nevertheless remain in force. If a determination is made that the Class Action 
                creditworthiness.
 if that Claim is transferred, removed or appealed to a different court, we then  Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- Purchases munications to one of you.
 World Financial Capital Bank is a
 main in force and the remaining provisions shall be null and void, provided that  �	 Any authorized user of your Account will be bound by the terms of this 
 have the right to demand arbitration.
 the determination concerning the Class Action Waiver shall be subject to appeal. Comenity SM company. After that, this APR will vary with the  Agreement. One additional Card may be issued with the individual name of 
 5. Choosing the Administrator:  �Administrator� means the American Arbitration 
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. 14. Special Payment:  If (1) you submit a Claim Notice in accordance with  Salt Lake City, UT an authorized user embossed on the Card. If you want to revoke the use of 
                market based on the Prime Rate.
                                               your Account by an authorized user, either write us at the address, or call us 
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. Paragraph B above on your own behalf (and not on behalf of any other party); 
                                               at the phone number, shown on your Statement.
 jamsadr.com; or any other company selected by mutual agreement of the par- (2) we refuse to provide you with the relief you request; and (3) an arbitrator  APR for Balance  23.99%
 subsequently determines that you were entitled to such relief (or greater relief),  �	 You agree to pay for all transactions made on your Account by an authorized 
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable  Transfers and Cash  This APR will vary with the market 
 to select an Administrator by mutual consent, the Administrator will be selected  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  user, whether or not such transactions were authorized by you or made for 
   Advances     based on the Prime Rate.       your bene?t.
 by a court. The arbitrator will be appointed by the Administrator in accordance  you are entitled).
                                            Card signature (as applicable)
 with the rules of the Administrator. However, the arbitrator must be a retired or  Your due date is at least 23 days after 
                                            For your own protection, please sign your Card before using it. Keep in mind that 
 former judge or a lawyer with at least 10 years of experience. You get to select the  Comenity Capital Bank, Salt Lake City, UT the close of each billing cycle. We will 
                                            your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
 Administrator if you give us written notice of your selection with your notice that 
                not charge you interest on purchases  incurred on your Account.
 you are electing to arbitrate any Claim or within 20 days after we give you notice 
 408ALLN052313  if you pay your entire balance by the  Using your Account
 that we are electing to arbitrate any Claim (or, if you dispute our right to require  Paying Interest
 arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  OUACCA0314 due date each month.   We will begin  �	 Your Account may be used to make purchases from anywhere MasterCard is 
 If you do not select the Administrator on time, we may do it. Notwithstanding  charging interest on balance transfers  accepted.
 any language in this Arbitration Provision to the contrary, no arbitration may be  �	 We reserve the right to not honor transactions related to, including, but not 
                and cash advances on the transaction 
 administered, without the consent of all parties to the arbitration, by any Admin- limited to, gambling, ATM usage at casinos, and illegal activities.
                date.
 istrator that has in place a formal or informal policy that is inconsistent with the  �	 You may obtain a loan from us under your Account by using your Card or 
 Class Action Waiver.                          a convenience check as follows: by purchasing goods or services with your 
   Minimum Interest  If you are charged interest, the charge 
                                               Card or your Account number; by obtaining a cash advance from a ?nancial 
   Charge       will be no less than $2.00 per credit  institution, by use of an ATM; by using a convenience check; or, by incurring 
                plan                           charges authorized by this Agreement.
                                            �	 From time to time, in our sole discretion, we may send you convenience 
                To learn more about factors to consider 
   For Credit Card                             checks for use in borrowing under this Agreement. All convenience checks 
                when applying for or using a credit  you use will be treated as cash advances under this Agreement, and subject 
   Tips from the 
 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * card, visit the website of the Consumer  to the terms and fees that apply to cash advances, unless we advise you 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Consumer Financial  otherwise.
 contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 Financial Protection Bureau at http://
   Protection Bureau                        �	 You agree that convenience checks that you use will not be returned to you.
                www.consumer?nance.gov/learnmore.
                                            �	 You may not use the convenience checks to make payments on any Co-
                                               menity Capital Bank Account.
   Fees                                     �	 You agree not to use a convenience check, and we do not have to pay any 
                                               convenience check:
   �	   Annual	Fee    None                     o  if you are in default under this Agreement;
                                               o  if payment of that convenience check would cause your outstanding 
   Transaction Fees
                                                 cash advance balance to exceed your cash advance limit; or
   �	   Balance	Transfer The greater of $10 or 4% of  o  if we cancel or suspend your right to use convenience checks
                      the amount of the balance  �	 From time to time, in our sole discretion, we may offer you the ability to 
                      transfer.                transfer account balances from other credit card accounts you may have 
                                               to the Account. We may, in our sole discretion, offer promotional plans for 
      companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Cash	Advance The greater of $10 or 4% 
                                               such balance transfers.
                      of the amount of the cash 
                                            �	 You may use the Card to obtain cash advances through certain ATMs. You 
                      advance.                 will be given a Personal Identi?cation Number (PIN) which must be used in 
   �	   Convenience	Checks The greater of $10 or  order to obtain an ATM cash advance.
                      4% of the amount of the  o  Some limitations on ATM cash advances may apply, such as limita-
                                                 tions on dollar amount, number, or currency denominations.
                      convenience check.
                                               o  You agree that any charges imposed by third parties for use of their 
   �	   Foreign	Transaction 3% of each transaction in 
                                                 ATM facilities will be added to your Account balance as a cash ad-
                      U.S. dollars.              vance.
                                            �	 If you make a purchase or obtain a cash advance in a foreign currency, 
   Penalty Fees                                it will be converted by MasterCard into U.S. dollars in accordance with 
   �	   Late	Payment  Up to $35.00             MasterCard Operating Regulations in effect at the time the transaction is 
   �	   Returned	Payment Up to $35.00          processed.
                                               o  The currency conversion rate in effect on the processing date may dif-
  How We Will Calculate Your Balance: We use a method called  fer from the rate in effect on the transaction date or the posting date.
  �daily balance.� See your Account agreement for more details. o  The currency conversion rate used may be the same as, greater than, or 
                                                 less than the amount that would be calculated by conversion through 
  Billing Rights: Information on your rights to dispute  a ?nancial institution in the country in which the purchase or cash 
  transactions and how to exercise those rights is provided in your  advance occurred.
                                            Making payments
  account agreement.
                                            �	 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 
  Comenity Capital Bank 1-866-439-3677  (TDD/TTY 1-888-819-1918)
                                               speci?ed for payments. Please don�t send cash.
  New York Residents: New York Residents may contact the New York state Depart-
                                            �	 Be sure to include your payment stub, do not staple your payment to the 
  ment of Financial Services by telephone or visit its website for free information 
                                               stub, use the envelope provided with your Statement and don�t send any 
  on comparative credit card rates, fees, and grace periods. New York Department 
                                               correspondence with your payment.
  of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                            �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                               your Account for up to ?ve days, or may be rejected.
                                            �	 All written communications concerning disputed amounts, including any 
                                               check or other payment instrument marked with �payment in full� or similar 
                                               language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                               Antonio, Texas 78247-5004.
                                               o  We may accept a payment sent to any other address without losing any 
                                                 of our rights.
                                               o  No payment shall operate as an accord and satisfaction without our 
                                                 prior written approval.
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-877; PO #0094014422; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used:  B. Keeping your account in good standing fore the end of the promotional period. If you don�t pay the total purchase  F. Disputes and Reporting to Consumer Reporting Agencies To use this right, all of the following must be true:
                                               amount before the end of the promotional period, we�ll add the remaining           1. The purchase must have been made in your home state or within 100 miles 
  Avoiding default                                                                     Credit Reports
                                               amount to your Regular Revolving balance. We�ll also begin charging inter-         of your current mailing address, and the purchase price must have been more 
  You�ll be in default under this Agreement if you:                                    �	 You give us permission to investigate your credit record.
                                               est on the purchase from the ?rst day after the promotional period ends.           than $50. (Note: Neither of these are necessary if your purchase was based on 
  �	 Fail to make any payment when due                                                 �	 You agree that a credit report may be requested in connection with the 
                                             �	 If you make a purchase under any Defer Interest Promotional Credit Plan           an advertisement we mailed to you, or if we own the company that sold you the 
  �	 Violate any provision of this Agreement                                              processing of your credit application. A report may also be requested in 
                                               and don�t pay the total amount before the end of the promotional period,           goods or services.)
  �	 Pass away                                                                            connection with a credit extension, credit limit request, Account renewal or 
                                               we�ll add the remaining purchase amount and the amount of accrued inter-           2. You must have used your credit card for the purchase. Purchases made with 
  �	 Become the subject of bankruptcy or insolvency proceedings                           update, Account collection action, or dispute investigation. Upon request, 
                                               est to your Regular Revolving balance.                                             cash advances from an ATM or with a check that accesses your credit card ac-
  �	 Supply us with misleading, false, incomplete or incorrect information                we will tell you the name and address of any consumer reporting agency that 
                                             �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,                count do not qualify.
  �	 Are unable or unwilling to perform the terms or conditions of this Agreement         furnished a report on you. You consent to the obtaining of such reports by 
                                               interest will be assessed from the date of purchase through the end of the         3. You must not yet have fully paid for the purchase.
  �	 Fail to supply us with any information we deem necessary                             signing or otherwise submitting an application or solicitation.
                                               promotional period.                                                                If all of the criteria above are met and you are still dissatis?ed with the purchase, 
  �	 Default under any other loan or agreement you have with us or any of our          �	 You understand that we may report negative information (such as, late pay-
                                             How we calculate Interest Charges on your Account                                    contact us in writing at:
     af?liates                                                                            ments, missed payments, or other defaults) about your Account to con-
                                             We calculate interest separately for each Credit Plan, using a �Daily Balance�       Comenity Capital Bank
  �	 Become incompetent                                                                   sumer reporting agencies.
                                             to determine interest charges for each billing period. Our calculation method is     PO Box 182620, Columbus, Ohio 43218-2620
  �	 Exceed your Credit Limit                                                          �	 You give us permission to provide information about your Account to con-
                                             as follows:                                                                          While we investigate, the same rules apply to the disputed amount as discussed 
  �	 Issue a payment returned unpaid by your bank for any reason                          sumer reporting agencies and other creditors, as well as to the retailer 
                                             �	 We start with the beginning balance on your Account each day (including           above. After we ?nish our investigation, we will tell you our decision. At that 
  If we consider your Account in default, we may suspend your ability to make             whose name appears on your Card.
                                               unpaid interest charges and fees).                                                 point, if we think you owe an amount and you do not pay, we may report you as 
  charges, close your Account, require you to pay the full amount you owe im-          Credit report disputes
                                             �	 We subtract any payments or credit adjustments (treating any net credit           delinquent.
  mediately or take any other action permitted by law. If applicable law requires      If you believe the Account information we reported to a consumer reporting agen-
                                               balance as a zero balance) and add new transactions and debit adjustments 
  us to do so, we�ll tell you in advance and/or give you the opportunity to remedy                                                G. Optional products
                                                                                       cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
                                               posted as of that day. This gives us the �Partial Daily Balance� for the day.
  your default.                                                                        Box 182120, Columbus, Ohio 43218-2120.     Credit insurance (as applicable)
                                             �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic 
  Reporting a lost or stolen card (as applicable)                                      Your written dispute must provide suf?cient information to identify the Account  Purchasing credit insurance is optional. If you do choose to carry credit insur-
                                               Rate. This gives us the �Daily Interest Charge� for the day, which we add to 
  If you notice the loss or theft of your credit card or a possible unauthorized use   and specify why the information is inaccurate: ance coverage, the premium charge will be added to your Account as a purchase 
                                               the day�s Partial Daily Balance.
  of your card, you should write to us immediately at PO Box 183003, Columbus,         �	 Account Information:  Your name and Account number on the last day of each billing period.  You can cancel your coverage at any time.
                                             �	 We�ve now determined the �Daily Balance,� which will be the beginning 
  Ohio 43218-3003 or call us at 1-866-439-3677  (TDD/TTY: 1-888-819-1918).             �	 Contact Information:  Your address and telephone number Account Assure Pro Debt cancellation (as applicable)
                                               balance for the following day. This results in daily compounding of interest 
  You will not be liable for any unauthorized use that occurs after you notify us.     �	 Disputed Information:  Identify the Account information disputed and ex-
                                               charges.                                                                           �	 Purchasing Account Assure Pro is optional.
  You may, however, be liable for unauthorized use that occurs before your notice         plain why you believe it is inaccurate
                                             �	 At the end of each billing period, we add together each Credit Plan�s Daily       �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
  to us.  In any case, your liability will not exceed $50.                             �	 Supporting Documentation:  If available, provide a copy of the section of 
                                               Interest Charge, which gives us the total interest charge.                           your application for credit or the terms of any existing credit agreement you 
  C. Learning more about your account                                                     the credit report showing the Account information you are disputing
                                             �	 Your Statement will show a Balance Subject to Interest Rate, which is the           have with us.
                                                                                       We will investigate the disputed information and report the results to you within 
                                               sum of the Daily Balances for each day in the billing period divided by the        �	 The monthly fee for Account Assure Pro is based on the outstanding month-
  Credit Plans
                                                                                       30 days of receipt of the information needed for our investigation. If we ?nd that 
  �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- total number of days.                                ly balance on your Account each month and will be added to your State-
                                                                                       the Account information we reported is inaccurate, we will promptly provide the  ment.
     it Plan and one or more promotional Credit Plans. Credit Plans offered and  Rates
                                                                                       necessary correction to each consumer reporting agency to which we reported  �	 We�ll provide additional information before you�re required to pay for Ac-
     their particular features (including but not limited to minimum purchase  �	 The Index in effect for each billing period will be the highest �Prime Rate� 
                                                                                       the information.                             count Assure Pro. This will include a copy of the terms and conditions 
     requirements and minimum payment) may vary occasionally at our discre- of interest as published in the �Money Rates� section of The Wall Street 
                                                                                       Your Billing Rights: Keep This Document For Future Use pertaining to Account Assure Pro.
     tion and include one or more Regular Revolving or promotional Credit Plans. Journal for the calendar month preceding the month in which the billing pe-
                                                                                       This notice tells you about your rights and our responsibilities under the Fair  �	 You can cancel your Account Assure Pro at any time.
  �	 We may offer different promotional Credit Plans from time to time. riod begins, rounded upward if necessary, to the nearest .001% (�Index�). 
                                                                                       Credit Billing Act.                        �	 There are eligibility requirements, conditions, and exclusions that could 
  �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 Any variable APR may increase if the Index increases.
                                                                                       What To Do If You Find A Mistake On Your Statement prevent you from receiving bene?ts under Account Assure Pro.
     this Agreement will include information about the terms for the Plan, by  �	 An increase or decrease in the APR will result in a corresponding increase 
                                                                                       If you think there is an error on your statement, write to us at: Comenity Capital  �	 Be sure to carefully read the Addendum for a full explanation of the terms 
     use of an insert, attachment, or other written information provided as part  or decrease in the amount of interest and may increase the Total Minimum 
                                                                                       Bank, PO Box 182620, Columbus, Ohio 43218-2620 of Account Assure Pro.
     of this Agreement.                        Payment.
                                                                                       In your letter, give us the following information:
  �	 Normal late fees, returned payment fees and all other provisions apply to  Other fees and charges                            H. Communicating with us
                                                                                       �	 Account information: Your name and account number.
     any promotional Credit Plan, unless inconsistent with a particular Credit  You agree to pay the following fees and charges:  Communicating to you about your Account
                                                                                       �	 Dollar amount: The dollar amount of the suspected error.
     Plan offering.                          �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-           If we need to contact you to service your Account or to collect amounts you owe 
                                                                                       �	 Description of problem: If you think there is an error on your bill, describe 
  �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- ment Due Date, we will charge you a late fee.   to us, you give direct consent to us, as well as servicers, agents, contractors and 
                                                                                          what you believe is wrong and why you believe it is a mistake.
     tional period ends, the balance will be transferred to your Regular Revolving  o  The fee is $25.00 if you were not charged a late fee during any of the  collectors of your Account, to communicate with you in any way, such as calling, 
                                                                                       You must contact us:
     balance.                                     prior six billing periods.                                                      texting, or electronic mail via:
                                                                                       �	 Within 60 days after the error appeared on your statement.
  �	 Promotional Credit Plans may include:     o  Otherwise, the fee is $35.00.                                                   1)  a cell, landline, or text number you provide, use to contact us, or at which 
                                                                                       �	 At least 3 business days before an automated payment is scheduled, if you 
     o Waive Interest, Payment Required  o  Defer Interest, Payment Required o  This fee will never exceed the minimum payment due that was due  we believe we can reach you (even if it is not yours),
                                                                                          want to stop payment on the amount you think is wrong.
     o Waive Interest, Equal Payment  o  Defer Interest, Low Payment immediately prior to the date on which the fee was assessed. 2)  any electronic mail address you provide to us or one of our merchants,
                                                                                       You must notify us of any potential errors in writing. You may call us, but if you 
     o Waive Interest, Low Payment  o  Low APR, Equal Payment �	 Returned Payment Fee: We may charge you a fee for each payment that your  3)  automated dialer systems and automatic telephone dialing systems,
                                                                                       do we are not required to investigate any potential errors and you may have to 
     o Defer Interest, Equal Payment  o  Budget Payment bank doesn�t honor for any reason.                                        4)  pre-recorded or arti?cial voice messages and other forms of communica-
                                                                                       pay the amount in question.
  Skip-payment option                          o  The fee is $25.00 if you were not charged a returned payment fee                   tions.
                                                                                       What Will Happen After We Receive Your Letter
  �	 At our discretion, we may allow you to skip making the Minimum Payment. during any of the prior six billing periods.         You also agree that these communications aren�t unsolicited for purposes of any 
                                                                                       When we receive your letter, we must do two things:
  �	 Finance Charges will be assessed during the skip-payment period, but a late  o  Otherwise, the fee is $35.00.                state or federal law, and you understand that this may result in additional mobile, 
                                                                                       1. Within 30 days of receiving your letter, we must tell you that we received your 
     fee won�t be imposed.  This will not be considered a waiver of any of the  o  This fee will never exceed the minimum payment due that was due  text message, or data charges.
                                                                                        letter. We will also tell you if we have already corrected the error.
     rights granted by this Agreement.            immediately prior to the date on which the fee was assessed.                    Phone monitoring
                                                                                       2. Within 90 days of receiving your letter, we must either correct the error or 
  �	 All other terms of your Account apply during the skip-payment period. �	 Although we may decide to do so, we aren�t required to attempt to collect a 
                                                                                        explain to you why we believe the bill is correct. �	 To provide you with high-quality service, phone communication with us is 
  Credit limit                                 payment more than once.
                                                                                       While we investigate whether or not there has been an error: monitored and/or recorded.  
  �	 Your Credit Limit is the total maximum amount we permit you to owe us at  �	 Document Fees: If we provide you with a copy of any Statement, sales draft 
                                                                                       �	 We cannot try to collect the amount in question, or report you as delinquent  �	 You agree that we monitor and/or record any phone calls between you and 
     any time.                                 or similar document at your request (except in connection with billing error 
                                                                                          on that amount.                           us.  
  �	 You may not exceed any Credit Limit that we set for your Account. inquiries or resolution), we may charge the Account the following fee(s), 
                                                                                       �	 The charge in question may remain on your statement, and we may continue  �	 Please inform all authorized cardholders of this provision, including anyone 
  �	 If you do exceed your Credit Limit, we can still charge you for all transac- subject to any limitations of applicable law:
                                                                                          to charge you interest on that amount.    acting on your behalf or making payments on this Account.
     tions, interest and other charges without giving up any of our rights under  o  Statement copy - $6.00
                                                                                       �	 While you do not have to pay the amount in question, you are responsible  For Wisconsin residents:
     this Agreement.                           o  Sales/Credit Draft copy - $6.00
                                                                                          for the remainder of your balance.      If you are married, please contact us immediately upon receipt of this Agreement 
  �	 We may change your Credit Limit at any time. o  Check/Money Order copy - $6.00
                                                                                       �	 We can apply any unpaid amount against your credit limit. at 1-866-439-3677  (TDD/TTY 1-888-819-1918) and provide us with the name 
  Account cancellation                       �	 Alternative Payment Method Fee: We may offer alternative payment meth-
                                                                                       After we ?nish our investigation, one of two things will happen: and address of your spouse. We are required to inform your spouse that we have 
                                               ods that allow you to make individual, expedited payments to your Account 
  �	 You may cancel your Account. You�re still obligated to pay the full amount        �	 If we made a mistake: You will not have to pay the amount in question or  opened a credit account for you.
                                               over the phone.  If you choose to use this payment method, we may assess 
     you owe us.                                                                          any interest or other fees related to that amount. For bankruptcy noti?cations:
                                               the current fee we charge for this service, subject to any limitations of ap-
  �	 We may cancel your Account at any time, for any reason.                           �	 If we do not believe there was a mistake: You will have to pay the amount in  All bankruptcy notices and related correspondence to Comenity Capital Bank 
                                               plicable law. Currently, that fee is up to $15.00 but may change. We�ll let 
  �	 We may refuse to authorize any transaction on your Account. We may also              question, along with applicable interest and fees. We will send you a state- should be sent to the following address: Comenity Capital Bank, Bankruptcy 
                                               you know the current fee before you authorize any payment(s), and you can 
     suspend your Account and your right to use your Card, including each Card            ment of the amount you owe and the date payment is due. We may then  Department, PO Box 183043, Columbus, Ohio 43218-3043.
                                               withdraw your request if you don�t want to pay the fee.
     you give to others.                                                                  report you as delinquent if you do not pay the amount we think you owe.
                                             �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan-            I. Arbitration and jury trial waiver
  �	 We may stop offering any Credit Plan at any time, for any reason.                 If you receive our explanation but still believe your bill is wrong, you must write 
                                               cial institution or through an ATM, you will pay a transaction fee equal to        A. Jury trial waiver
  �	 Cancellation or suspension of your Account doesn�t negate your obligation         to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
                                               the greater of $10 or 4% of the amount of the cash advance. You take a 
     to pay any amount you owe us.                                                     report you as delinquent without also reporting that you are questioning your bill.  TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
                                               cash advance if you use a convenience check; get money through an auto-
  �	 Cancellation of your Account includes each Card you give to others.               We must tell you the name of anyone to whom we reported you as delinquent,  TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
                                               mated teller machine (ATM); or get money through a ?nancial institution.
  �	 Cards are issued with an expiration date. We have the right not to renew          and we must let those organizations know when the matter has been settled  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
                                             �	 Convenience Check Fee:  For any convenience check written against your 
     your Account.                                                                     between us.                                ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
                                               Account, you will pay a transaction fee equal to the greater of $10 or 4% of 
  Minimum Payment                                                                      If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
                                               the amount of the convenience check.
                                                                                       the amount you question even if your bill is correct. IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
  �	 You can pay all of your Account balance at any time without 
                                             �	 Balance Transfer Fee:  For any balance transfer from another account, you         B. Notice and cure
     penalty.                                                                          Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                               will pay a transaction fee equal to the greater of $10 or 4% of the amount 
  �	 You must pay at least the Total Minimum Payment for each billing period by        If you are dissatis?ed with the goods or services that you have purchased with  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris-
                                               of the balance transfer.
     the Payment Due Date shown on your Statement.                                     your credit card, and you have tried in good faith to correct the problem with the  ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
                                             �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
  �	 The Minimum Payment is the total of the minimum payments for the Regu-            merchant, you may have the right not to pay the remaining amount due on the  the party asserting the Claim (the �Claimant�) shall give the other party (the 
                                               States or in a foreign currency, you will pay a transaction fee equal to 3% 
     lar Revolving and promotional Credit Plans plus any Past Due amounts.             purchase.
                                               of the U.S. dollar amount of the transaction.  If a charge or cash advance 
  �	 The Total Minimum Payment won�t be less than $25.00. If your Account 
                                               is converted into U.S. dollars our network providers (Visa, MasterCard, and 
     balance is less than $25.00, you must pay the amount indicated on your                                    *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
                                               Discover) will select either (1) a rate from the range of rates available in 
     Statement in full.
                                               wholesale currency markets for the applicable central processing date, 
  �	 The minimum payment for each Credit Plan is calculated as follows:
                                               which may vary from the rate the network provider itself receives, or (2) a 
     o  The minimum payment for the Waive Interest, Payment Required and 
                                               government-mandated rate in effect for the applicable central processing 
       Defer Interest, Payment Required Credit Plans will be the greater of:
                                               date.
          (a) $5.00 or
                                             �	 Return Convenience Check Fee: For each convenience check written against  rev.	04/13
          (b) 3.5% (rounded up to the nearest $1.00) of the New Balance 
                                               your Account which fails to clear and is returned unsatis?ed, you will pay a       No   No No No Yes Yes Yes
          shown on your Statement for that Credit Plan.
                                               fee of up to $35. 
     o  The minimum payment for the Waive Interest, Equal Payment and 
                                             �	 Stop Payment Fee: For each convenience check written against your Ac-
       Defer Interest, Equal Payment Credit Plans will be the amount of the                                                   this sharing?
                                               count on which you request us to stop payment, you will pay a fee of up to   Can you limit  
       purchase divided by the number of months between the date of the 
                                               $35, regardless of whether we actually stop payment on the convenience 
       purchase and the promotional period end date (minimum $5.00) 
                                               check.
       rounded up to the nearest $1.00.
                                             E. Other important information 
     o  The minimum payment for the Low APR, Equal Payment Credit Plan 
       will be the amount of the purchase including the calculated interest  Collection costs
       charges that will be assessed from the date of purchase through the  To the extent not prohibited by applicable law, you agree to pay the reasonable 
       end of the promotional period divided by the number of months be- costs for collecting amounts due, including reasonable attorney�s fees and court 
                                                                                                                                  Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
       tween the date of the purchase and the promotional period end date  costs incurred by us or another person or entity.  share?
       (minimum $5.00) rounded up to the nearest $1.00. Changes
     o  The minimum payment for the Waive Interest, Low Payment and Defer  We may add, change, or delete the terms of your Account. If required by appli- Does Comenity 
       Interest, Low Payment Credit Plans will be the greater of: cable law, we will give you advance written notice of the change(s) and a right to 
          (a) $5.00 or                       reject the change(s).
          (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  Security Interest
          shown on your Statement for that Credit Plan. You grant us a security interest in all goods you purchase through the use of the 
  Payment application                        Account, now or at any time in the future and in all accessions to and proceeds of 
  �	 We reserve the right to apply payments equal to or less than the Total Mini- such goods. We waive any security interest we may have in your principal dwell-
     mum Payment however we see ?t, which may result in balances subject to  ing, to the extent that it would otherwise secure any obligation arising hereunder.
     lower interest rates being paid prior to other balances. This may also result  Changes to your information
     in higher interest charges.             You agree to notify us immediately of any changes to your name, mailing address, 
  �	 Any payment you make in excess of the required Total Minimum Payment  electronic mail address or telephone number(s).
     will be allocated to your Account as required by applicable law. Governing Law
  �	 Excess payments received before a deferred interest promotion expires are 
                                             THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
     applied to the deferred interest promotional balance ?rst in the last two 
                                             THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
     billing periods of the promotional period.
                                             MITTED OR REQUIRED BY APPLICABLE LAW.
  D. Interest, fees and charges              Transfer of Rights/Assignment
  Interest charges                           Your rights under this Agreement can�t be transferred by you, by operation of law 
  �	 There is no period in which you can pay back a cash advance, any other  or otherwise, but your obligations will be binding upon your estate or personal 
     transaction treated as a cash advance under this Agreement, or a balance  representatives. We may transfer or assign your Account and/or this Agreement,  Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
     transfer to avoid incurring a Finance Charge. For a cash advance using a  or any of our rights under this Agreement, to another person or entity at any time 
     convenience check, the date of the advance is the date the convenience  without prior notice to you or your consent. WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
     check is presented to us or our agent for payment. For all other cash ad- No Waiver of Rights                            information
     vances, the date of the advance is the date you obtained the advance. We can delay enforcing our rights under this Agreement without losing them.
  �	 If you make a purchase under a Regular Revolving Credit Plan, interest  Severability
     charges won�t be imposed in any billing period in which (i) no Previous Bal- If any provision of this Agreement is in con?ict with applicable law, that provision 
     ance exists or (ii) payments received and credits issued by the Payment Due  will be considered to be modi?ed to conform with applicable law.
     Date, equal or exceed the Previous Balance. Notice to New Jersey Residents
  �	 If the New Balance shown on your last Statement isn�t paid in full by the  All provisions of this agreement are valid, enforceable and applicable in New  Reasons we can share your personal  
     Payment Due Date shown on your last Statement, there will be an interest  Jersey.
     charge on each purchase from the date of purchase.                                     FACTS   Why?     What?    How?                                    sharing
  �	 If you make a purchase under any Waive Interest Credit Plan, we won�t                                                                                  To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
     charge interest on the purchase if you pay the total purchase amount be-
                                                                                                                               For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                                                                                                            CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-877; PO #0094014422; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used:  B. Keeping your account in good standing fore the end of the promotional period. If you don�t pay the total purchase  F. Disputes and Reporting to Consumer Reporting Agencies To use this right, all of the following must be true:
 amount before the end of the promotional period, we�ll add the remaining  1. The purchase must have been made in your home state or within 100 miles 
 Avoiding default Credit Reports
 amount to your Regular Revolving balance. We�ll also begin charging inter- of your current mailing address, and the purchase price must have been more 
 You�ll be in default under this Agreement if you: �	 You give us permission to investigate your credit record.
 est on the purchase from the ?rst day after the promotional period ends. than $50. (Note: Neither of these are necessary if your purchase was based on 
 �	 Fail to make any payment when due �	 You agree that a credit report may be requested in connection with the 
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan  an advertisement we mailed to you, or if we own the company that sold you the 
 �	 Violate any provision of this Agreement processing of your credit application. A report may also be requested in 
 and don�t pay the total amount before the end of the promotional period,  goods or services.)
 �	 Pass away connection with a credit extension, credit limit request, Account renewal or 
 we�ll add the remaining purchase amount and the amount of accrued inter- 2. You must have used your credit card for the purchase. Purchases made with 
 �	 Become the subject of bankruptcy or insolvency proceedings update, Account collection action, or dispute investigation. Upon request, 
 est to your Regular Revolving balance.      cash advances from an ATM or with a check that accesses your credit card ac-
 �	 Supply us with misleading, false, incomplete or incorrect information we will tell you the name and address of any consumer reporting agency that 
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  count do not qualify.
 �	 Are unable or unwilling to perform the terms or conditions of this Agreement furnished a report on you. You consent to the obtaining of such reports by 
 interest will be assessed from the date of purchase through the end of the  3. You must not yet have fully paid for the purchase.
 �	 Fail to supply us with any information we deem necessary signing or otherwise submitting an application or solicitation.
 promotional period.                         If all of the criteria above are met and you are still dissatis?ed with the purchase, 
 �	 Default under any other loan or agreement you have with us or any of our  �	 You understand that we may report negative information (such as, late pay-
 How we calculate Interest Charges on your Account contact us in writing at:
 af?liates ments, missed payments, or other defaults) about your Account to con-
 We calculate interest separately for each Credit Plan, using a �Daily Balance�  Comenity Capital Bank
 �	 Become incompetent sumer reporting agencies.
 to determine interest charges for each billing period. Our calculation method is  PO Box 182620, Columbus, Ohio 43218-2620
 �	 Exceed your Credit Limit �	 You give us permission to provide information about your Account to con-
 as follows:                                 While we investigate, the same rules apply to the disputed amount as discussed 
 �	 Issue a payment returned unpaid by your bank for any reason sumer reporting agencies and other creditors, as well as to the retailer 
 �	 We start with the beginning balance on your Account each day (including  above. After we ?nish our investigation, we will tell you our decision. At that 
 If we consider your Account in default, we may suspend your ability to make  whose name appears on your Card.
 unpaid interest charges and fees).          point, if we think you owe an amount and you do not pay, we may report you as 
 charges, close your Account, require you to pay the full amount you owe im- Credit report disputes
 �	 We subtract any payments or credit adjustments (treating any net credit  delinquent.
 mediately or take any other action permitted by law. If applicable law requires  If you believe the Account information we reported to a consumer reporting agen-
 balance as a zero balance) and add new transactions and debit adjustments 
 us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  G. Optional products
  cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
 posted as of that day. This gives us the �Partial Daily Balance� for the day.
 your default. Box 182120, Columbus, Ohio 43218-2120.  Credit insurance (as applicable)
 �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic 
 Reporting a lost or stolen card (as applicable) Your written dispute must provide suf?cient information to identify the Account  Purchasing credit insurance is optional. If you do choose to carry credit insur-
 Rate. This gives us the �Daily Interest Charge� for the day, which we add to 
 If you notice the loss or theft of your credit card or a possible unauthorized use  and specify why the information is inaccurate: ance coverage, the premium charge will be added to your Account as a purchase 
 the day�s Partial Daily Balance.
 of your card, you should write to us immediately at PO Box 183003, Columbus,  �	 Account Information:  Your name and Account number on the last day of each billing period.  You can cancel your coverage at any time.
 �	 We�ve now determined the �Daily Balance,� which will be the beginning 
 Ohio 43218-3003 or call us at 1-866-439-3677  (TDD/TTY: 1-888-819-1918).  �	 Contact Information:  Your address and telephone number Account Assure Pro Debt cancellation (as applicable)
 balance for the following day. This results in daily compounding of interest 
 You will not be liable for any unauthorized use that occurs after you notify us.  �	 Disputed Information:  Identify the Account information disputed and ex-
 charges.                                    �	 Purchasing Account Assure Pro is optional.
 You may, however, be liable for unauthorized use that occurs before your notice  plain why you believe it is inaccurate
 �	 At the end of each billing period, we add together each Credit Plan�s Daily  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
 to us.  In any case, your liability will not exceed $50. �	 Supporting Documentation:  If available, provide a copy of the section of 
 Interest Charge, which gives us the total interest charge. your application for credit or the terms of any existing credit agreement you 
 C. Learning more about your account the credit report showing the Account information you are disputing
 �	 Your Statement will show a Balance Subject to Interest Rate, which is the  have with us.
  We will investigate the disputed information and report the results to you within 
 sum of the Daily Balances for each day in the billing period divided by the  �	 The monthly fee for Account Assure Pro is based on the outstanding month-
 Credit Plans
  30 days of receipt of the information needed for our investigation. If we ?nd that 
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- total number of days. ly balance on your Account each month and will be added to your State-
  the Account information we reported is inaccurate, we will promptly provide the  ment.
 it Plan and one or more promotional Credit Plans. Credit Plans offered and  Rates
  necessary correction to each consumer reporting agency to which we reported  �	 We�ll provide additional information before you�re required to pay for Ac-
 their particular features (including but not limited to minimum purchase  �	 The Index in effect for each billing period will be the highest �Prime Rate� 
  the information.                             count Assure Pro. This will include a copy of the terms and conditions 
 requirements and minimum payment) may vary occasionally at our discre- of interest as published in the �Money Rates� section of The Wall Street 
  Your Billing Rights: Keep This Document For Future Use pertaining to Account Assure Pro.
 tion and include one or more Regular Revolving or promotional Credit Plans. Journal for the calendar month preceding the month in which the billing pe-
  This notice tells you about your rights and our responsibilities under the Fair  �	 You can cancel your Account Assure Pro at any time.
 �	 We may offer different promotional Credit Plans from time to time. riod begins, rounded upward if necessary, to the nearest .001% (�Index�). 
  Credit Billing Act.                        �	 There are eligibility requirements, conditions, and exclusions that could 
 �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 Any variable APR may increase if the Index increases.
  What To Do If You Find A Mistake On Your Statement prevent you from receiving bene?ts under Account Assure Pro.
 this Agreement will include information about the terms for the Plan, by  �	 An increase or decrease in the APR will result in a corresponding increase 
  If you think there is an error on your statement, write to us at: Comenity Capital  �	 Be sure to carefully read the Addendum for a full explanation of the terms 
 use of an insert, attachment, or other written information provided as part  or decrease in the amount of interest and may increase the Total Minimum 
  Bank, PO Box 182620, Columbus, Ohio 43218-2620 of Account Assure Pro.
 of this Agreement. Payment.
  In your letter, give us the following information:
 �	 Normal late fees, returned payment fees and all other provisions apply to  Other fees and charges H. Communicating with us
  �	 Account information: Your name and account number.
 any promotional Credit Plan, unless inconsistent with a particular Credit  You agree to pay the following fees and charges: Communicating to you about your Account
  �	 Dollar amount: The dollar amount of the suspected error.
 Plan offering. �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay- If we need to contact you to service your Account or to collect amounts you owe 
  �	 Description of problem: If you think there is an error on your bill, describe 
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- ment Due Date, we will charge you a late fee. to us, you give direct consent to us, as well as servicers, agents, contractors and 
     what you believe is wrong and why you believe it is a mistake.
 tional period ends, the balance will be transferred to your Regular Revolving  o  The fee is $25.00 if you were not charged a late fee during any of the  collectors of your Account, to communicate with you in any way, such as calling, 
  You must contact us:
 balance. prior six billing periods.         texting, or electronic mail via:
  �	 Within 60 days after the error appeared on your statement.
 �	 Promotional Credit Plans may include: o  Otherwise, the fee is $35.00. 1)  a cell, landline, or text number you provide, use to contact us, or at which 
  �	 At least 3 business days before an automated payment is scheduled, if you 
 o Waive Interest, Payment Required  o  Defer Interest, Payment Required o  This fee will never exceed the minimum payment due that was due  we believe we can reach you (even if it is not yours),
     want to stop payment on the amount you think is wrong.
 o Waive Interest, Equal Payment  o  Defer Interest, Low Payment immediately prior to the date on which the fee was assessed. 2)  any electronic mail address you provide to us or one of our merchants,
  You must notify us of any potential errors in writing. You may call us, but if you 
 o Waive Interest, Low Payment  o  Low APR, Equal Payment �	 Returned Payment Fee: We may charge you a fee for each payment that your  3)  automated dialer systems and automatic telephone dialing systems,
  do we are not required to investigate any potential errors and you may have to 
 o Defer Interest, Equal Payment  o  Budget Payment bank doesn�t honor for any reason. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
  pay the amount in question.
 Skip-payment option o  The fee is $25.00 if you were not charged a returned payment fee  tions.
  What Will Happen After We Receive Your Letter
 �	 At our discretion, we may allow you to skip making the Minimum Payment. during any of the prior six billing periods. You also agree that these communications aren�t unsolicited for purposes of any 
  When we receive your letter, we must do two things:
 �	 Finance Charges will be assessed during the skip-payment period, but a late  o  Otherwise, the fee is $35.00. state or federal law, and you understand that this may result in additional mobile, 
  1. Within 30 days of receiving your letter, we must tell you that we received your 
 fee won�t be imposed.  This will not be considered a waiver of any of the  o  This fee will never exceed the minimum payment due that was due  text message, or data charges.
    letter. We will also tell you if we have already corrected the error.
 rights granted by this Agreement. immediately prior to the date on which the fee was assessed. Phone monitoring
  2. Within 90 days of receiving your letter, we must either correct the error or 
 �	 All other terms of your Account apply during the skip-payment period. �	 Although we may decide to do so, we aren�t required to attempt to collect a 
    explain to you why we believe the bill is correct. �	 To provide you with high-quality service, phone communication with us is 
 Credit limit payment more than once.
  While we investigate whether or not there has been an error: monitored and/or recorded.  
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at  �	 Document Fees: If we provide you with a copy of any Statement, sales draft 
  �	 We cannot try to collect the amount in question, or report you as delinquent  �	 You agree that we monitor and/or record any phone calls between you and 
 any time. or similar document at your request (except in connection with billing error 
     on that amount.                           us.  
 �	 You may not exceed any Credit Limit that we set for your Account. inquiries or resolution), we may charge the Account the following fee(s), 
  �	 The charge in question may remain on your statement, and we may continue  �	 Please inform all authorized cardholders of this provision, including anyone 
 �	 If you do exceed your Credit Limit, we can still charge you for all transac- subject to any limitations of applicable law:
     to charge you interest on that amount.    acting on your behalf or making payments on this Account.
 tions, interest and other charges without giving up any of our rights under  o  Statement copy - $6.00
  �	 While you do not have to pay the amount in question, you are responsible  For Wisconsin residents:
 this Agreement. o  Sales/Credit Draft copy - $6.00
     for the remainder of your balance.      If you are married, please contact us immediately upon receipt of this Agreement 
 �	 We may change your Credit Limit at any time. o  Check/Money Order copy - $6.00
  �	 We can apply any unpaid amount against your credit limit. at 1-866-439-3677  (TDD/TTY 1-888-819-1918) and provide us with the name 
 Account cancellation �	 Alternative Payment Method Fee: We may offer alternative payment meth-
  After we ?nish our investigation, one of two things will happen: and address of your spouse. We are required to inform your spouse that we have 
 ods that allow you to make individual, expedited payments to your Account 
 �	 You may cancel your Account. You�re still obligated to pay the full amount  �	 If we made a mistake: You will not have to pay the amount in question or  opened a credit account for you.
 over the phone.  If you choose to use this payment method, we may assess 
 you owe us. any interest or other fees related to that amount. For bankruptcy noti?cations:
 the current fee we charge for this service, subject to any limitations of ap-
 �	 We may cancel your Account at any time, for any reason. �	 If we do not believe there was a mistake: You will have to pay the amount in  All bankruptcy notices and related correspondence to Comenity Capital Bank 
 plicable law. Currently, that fee is up to $15.00 but may change. We�ll let 
 �	 We may refuse to authorize any transaction on your Account. We may also  question, along with applicable interest and fees. We will send you a state- should be sent to the following address: Comenity Capital Bank, Bankruptcy 
 you know the current fee before you authorize any payment(s), and you can 
 suspend your Account and your right to use your Card, including each Card  ment of the amount you owe and the date payment is due. We may then  Department, PO Box 183043, Columbus, Ohio 43218-3043.
 withdraw your request if you don�t want to pay the fee.
 you give to others. report you as delinquent if you do not pay the amount we think you owe.
 �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- I. Arbitration and jury trial waiver
 �	 We may stop offering any Credit Plan at any time, for any reason. If you receive our explanation but still believe your bill is wrong, you must write 
 cial institution or through an ATM, you will pay a transaction fee equal to  A. Jury trial waiver
 �	 Cancellation or suspension of your Account doesn�t negate your obligation  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
 the greater of $10 or 4% of the amount of the cash advance. You take a 
 to pay any amount you owe us. report you as delinquent without also reporting that you are questioning your bill.  TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
 cash advance if you use a convenience check; get money through an auto-
 �	 Cancellation of your Account includes each Card you give to others. We must tell you the name of anyone to whom we reported you as delinquent,  TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
 mated teller machine (ATM); or get money through a ?nancial institution.
 �	 Cards are issued with an expiration date. We have the right not to renew  and we must let those organizations know when the matter has been settled  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
 �	 Convenience Check Fee:  For any convenience check written against your 
 your Account. between us.                   ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
 Account, you will pay a transaction fee equal to the greater of $10 or 4% of 
 Minimum Payment If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
 the amount of the convenience check.
  the amount you question even if your bill is correct. IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
 �	 You can pay all of your Account balance at any time without 
 �	 Balance Transfer Fee:  For any balance transfer from another account, you  B. Notice and cure
 penalty. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
 will pay a transaction fee equal to the greater of $10 or 4% of the amount 
 �	 You must pay at least the Total Minimum Payment for each billing period by  If you are dissatis?ed with the goods or services that you have purchased with  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris-
 of the balance transfer.
 the Payment Due Date shown on your Statement. your credit card, and you have tried in good faith to correct the problem with the  ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
 �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
 �	 The Minimum Payment is the total of the minimum payments for the Regu- merchant, you may have the right not to pay the remaining amount due on the  the party asserting the Claim (the �Claimant�) shall give the other party (the 
 States or in a foreign currency, you will pay a transaction fee equal to 3% 
 lar Revolving and promotional Credit Plans plus any Past Due amounts. purchase.
 of the U.S. dollar amount of the transaction.  If a charge or cash advance 
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account 
 is converted into U.S. dollars our network providers (Visa, MasterCard, and 
 balance is less than $25.00, you must pay the amount indicated on your  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 Discover) will select either (1) a rate from the range of rates available in 
 Statement in full.
 wholesale currency markets for the applicable central processing date, 
 �	 The minimum payment for each Credit Plan is calculated as follows:
 which may vary from the rate the network provider itself receives, or (2) a 
 o  The minimum payment for the Waive Interest, Payment Required and 
 government-mandated rate in effect for the applicable central processing 
 Defer Interest, Payment Required Credit Plans will be the greater of:
 date.
 (a) $5.00 or
 �	 Return Convenience Check Fee: For each convenience check written against  rev.	04/13
 (b) 3.5% (rounded up to the nearest $1.00) of the New Balance 
 your Account which fails to clear and is returned unsatis?ed, you will pay a  No No No No Yes Yes Yes
 shown on your Statement for that Credit Plan.
 fee of up to $35. 
 o  The minimum payment for the Waive Interest, Equal Payment and 
 �	 Stop Payment Fee: For each convenience check written against your Ac-
 Defer Interest, Equal Payment Credit Plans will be the amount of the  this sharing?
 count on which you request us to stop payment, you will pay a fee of up to  Can you limit  
 purchase divided by the number of months between the date of the 
 $35, regardless of whether we actually stop payment on the convenience 
 purchase and the promotional period end date (minimum $5.00) 
 check.
 rounded up to the nearest $1.00.
 E. Other important information 
 o  The minimum payment for the Low APR, Equal Payment Credit Plan 
 will be the amount of the purchase including the calculated interest  Collection costs
 charges that will be assessed from the date of purchase through the  To the extent not prohibited by applicable law, you agree to pay the reasonable 
 end of the promotional period divided by the number of months be- costs for collecting amounts due, including reasonable attorney�s fees and court 
                                             Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 tween the date of the purchase and the promotional period end date  costs incurred by us or another person or entity. share?
 (minimum $5.00) rounded up to the nearest $1.00. Changes
 o  The minimum payment for the Waive Interest, Low Payment and Defer  We may add, change, or delete the terms of your Account. If required by appli- Does Comenity 
 Interest, Low Payment Credit Plans will be the greater of: cable law, we will give you advance written notice of the change(s) and a right to 
 (a) $5.00 or reject the change(s).
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  Security Interest
 shown on your Statement for that Credit Plan. You grant us a security interest in all goods you purchase through the use of the 
 Payment application Account, now or at any time in the future and in all accessions to and proceeds of 
 �	 We reserve the right to apply payments equal to or less than the Total Mini- such goods. We waive any security interest we may have in your principal dwell-
 mum Payment however we see ?t, which may result in balances subject to  ing, to the extent that it would otherwise secure any obligation arising hereunder.
 lower interest rates being paid prior to other balances. This may also result  Changes to your information
 in higher interest charges. You agree to notify us immediately of any changes to your name, mailing address, 
 �	 Any payment you make in excess of the required Total Minimum Payment  electronic mail address or telephone number(s).
 will be allocated to your Account as required by applicable law. Governing Law
 �	 Excess payments received before a deferred interest promotion expires are 
 THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
 applied to the deferred interest promotional balance ?rst in the last two 
 THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
 billing periods of the promotional period.
 MITTED OR REQUIRED BY APPLICABLE LAW.
 D. Interest, fees and charges Transfer of Rights/Assignment
 Interest charges Your rights under this Agreement can�t be transferred by you, by operation of law 
 �	 There is no period in which you can pay back a cash advance, any other  or otherwise, but your obligations will be binding upon your estate or personal 
 transaction treated as a cash advance under this Agreement, or a balance  representatives. We may transfer or assign your Account and/or this Agreement,  Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
 transfer to avoid incurring a Finance Charge. For a cash advance using a  or any of our rights under this Agreement, to another person or entity at any time 
 convenience check, the date of the advance is the date the convenience  without prior notice to you or your consent. WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
 check is presented to us or our agent for payment. For all other cash ad- No Waiver of Rights information
 vances, the date of the advance is the date you obtained the advance. We can delay enforcing our rights under this Agreement without losing them.
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest  Severability
 charges won�t be imposed in any billing period in which (i) no Previous Bal- If any provision of this Agreement is in con?ict with applicable law, that provision 
 ance exists or (ii) payments received and credits issued by the Payment Due  will be considered to be modi?ed to conform with applicable law.
 Date, equal or exceed the Previous Balance. Notice to New Jersey Residents
 �	 If the New Balance shown on your last Statement isn�t paid in full by the  All provisions of this agreement are valid, enforceable and applicable in New  Reasons we can share your personal  
 Payment Due Date shown on your last Statement, there will be an interest  Jersey.
 charge on each purchase from the date of purchase. FACTS Why? What?  How? sharing
 �	 If you make a purchase under any Waive Interest Credit Plan, we won�t  To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
 charge interest on the purchase if you pay the total purchase amount be-
                                           For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                        CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-877 PO #0094014422; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used: 
  �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  �
                                                                                      Your Ohio University Alumni MasterCard  Credit Card account               OUACCA0314
  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  agreement.
  shall be sent in writing to the address we have in our records (or any updated  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
                                                                                      This card is issued by Comenity Capital Bank pursuant to a li- Rate Information: The following chart provides details on your variable rate(s) as 
  address you subsequently provide to us).  Any Claim Notice to us shall be sent by  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
                                                                                                                                of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  cense from MasterCard. MasterCard is a registered trademark 
                                                                                                                                rate.
  (or any updated address we subsequently provide).  Any Claim Notice you send  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  of MasterCard International Incorporated.  This Agreement cov-
  must provide your name, address and Account number.  Any Claim Notice must  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI-
                                                                                      ers the Terms and Conditions of your account with us. In this  Add to Index APR Daily Periodic Rate
  explain the nature of the Claim and the relief that is demanded.  You may only  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
                                                                                      document, you will ?nd important information about using and 
  submit a Claim Notice on your own behalf and not on behalf of any other party.  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Tier 1 19.74% 22.99% 0.06298%
  No third party, other than a lawyer you have personally retained, may submit a  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  managing your account, including a Privacy Statement and infor-
  Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  mation concerning your billing rights. Your use of the account, or  Tier 2 15.74% 18.99% 0.05202%
  ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI- failure to close the account within the 30 days of receiving this 
                                            DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND                        Tier 3     9.74%    12.99% 0.03558%
  C. Arbitration provision
                                                                                      document, indicates your acceptance of the terms of this agree-
  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  Balance Transfers  20.74% 23.99% 0.06572%
  THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  ment, including the assessment of any interest charges and fees.
                                                                                                                                 and Cash Advances
  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- OR MULTIPLE-PARTY ARBITRATION.  Section I of this Agreement also includes a Jury Trial Waiver and 
  TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  an Arbitration Provision in the event of a dispute. We�ll charge you a minimum interest charge of $2.00 per credit plan for any 
  YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  must take place at a location reasonably convenient to you. We will pay any and  billing period in which interest is due. For additional information, see Rates in 
                                                                                      �	 You have a right to reject this Arbitration Provision.
  1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  all fees of the Administrator and/or the arbitrator if applicable law requires us  Section D.
                                                                                      �	 If you do not reject this Arbitration Provision, it will be part 
  prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  to, if you prevail in the arbitration or if we must bear such fees in order for this  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
                                            Arbitration Provision to be enforced. If you demand an arbitration, we will pay  of this Agreement and will:
  to apply, you may reject it by mailing us a written rejection notice which gives the                                          ments for Regular Revolving and Promotional Credit Plan purchases plus any 
  name of each Cardholder and contains a statement that you (both of you, if more  your reasonable attorneys� and experts� fees if you prevail or if we must bear such  o  Eliminate your right to a trial by jury; and Past Due amounts. The total Minimum Payment Due on your account won�t be 
  than one) reject the Arbitration Provision of this Agreement. The rejection notice  fees in order for this Arbitration Provision to be enforced. Also, we will bear any  o  Substantially affect your rights, including your right to  less than $25.00. If your Account balance is less than $25.00, you must pay the 
  must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  fees if applicable law requires us to.            amount indicated on your Statement in full. The Minimum Payment Due for each 
                                                                                           bring, join in or participate in class proceedings.
  43218-2422. A rejection notice is only effective if it is signed by you (all of you,  9. Governing Law:  This Arbitration Provision involves interstate commerce and  Regular Revolving and Cash Revolving Credit Plans will be: 
                                                                                      Please read each section carefully and keep this document for 
  if more than one) and if we receive it within thirty (30) calendar days after the  is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  �	 The greater of:
                                                                                      your records.
  date we ?rst provide you with a credit card agreement or written notice providing  not by any state arbitration law. The arbitrator must apply applicable substantive  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
  you a right to reject this Arbitration Provision. Your rejection of this Arbitration  law consistent with the FAA and applicable statutes of limitations and claims of  In the following sections, you will ?nd information on: Revolving Credit Plan Finance Charges shown on the Statement; or 
  Provision will not affect any other provision of this Agreement or your ability to  privilege recognized at law. The arbitrator may award any remedy provided by the  o $5.00
                                                                                      Financial terms of your account: An at-a-glance summary of the fees and charges 
  obtain credit.                            substantive law that would apply if the action were pending in court (including,    �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
                                                                                      associated with your account
  2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  without limitation, punitive damages, which shall be governed by the Constitu- Charges shown on the Statement rounded up to the nearest $1.00.
                                                                                      A.  Getting started: the basics of your account
  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  tional standards employed by the courts). At the timely request of either party,  See Minimum Payment in Section C below for promotional credit plan minimum 
                                                                                      B.  Keeping your account in good standing: avoiding default, and what to do if 
  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the  the arbitrator must provide a brief written explanation of the basis for the award. payment calculations. 
                                                                                         your card is lost or stolen, as applicable
  employees, of?cers and directors of such companies (the �Bank Parties�); and  10. Right to Discovery:  In addition to the parties� rights to obtain discovery  The APR information described below is accurate as of March 1, 2014.  Due to a 
                                                                                      C.  Learning more about your account: credit plans, and credit limits, and how 
  (b) any other person or company that provides any services in connection with  pursuant to the arbitration rules of the Administrator, either party may submit  change in the index, this information may have changed.   To ?nd out more, call 
                                                                                         payments are calculated and applied
  this Agreement if you assert a Claim against such other person or company at the  a written request to the arbitrator to expand the scope of discovery normally al- us at 1-866-439-3677  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
                                                                                      D.  Interest, fees and charges: when and how fees and costs are applied to your 
  same time you assert a Claim against any Bank Party. lowable under the arbitration rules of the Administrator. The arbitrator shall have  Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
                                                                                         account
  3. Covered Claims:  �Claim� means any claim, dispute or controversy between  discretion to grant or deny that request.        site at comenity.net/ohioalumni.
  you and us that in any way arises from or relates to this Agreement, the Account,  11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  E.  Other important information: legal rights, costs, and how we�ll handle 
                                                                                                                                A. Getting Started
                                                                                         changes to your account
  the issuance of any Card, any rewards program, any prior agreement or account.  award may be entered by any court having jurisdiction. The arbitrator�s decision 
                                                                                      F.  Disputes and reporting to consumer reporting agencies: data we provide,  De?nitions
  �Claim� includes disputes arising from actions or omissions prior to the date  is ?nal and binding, except for any right of appeal provided by the FAA. However, 
                                                                                         and receive from, consumer reporting agencies, and what to do if you think  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
  any Card was issued to you, including the advertising related to, application for  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 bene?t to either party  there is an error on your periodic statement and �Your� mean each person who submits an application or solicitation for an 
  or approval of the Account. �Claim� has the broadest possible meaning, and                                                    Account with us. �Account� means your credit card account with us. �Card� 
  includes initial claims, counterclaims, cross-claims and third-party claims. It  exceeding $50,000, any party can, within 30 days after the entry of the award  G.  Optional products: how to protect your account from fraud or theft, and 
                                                                                                                                means each credit card we issue for your Account, as applicable. �Credit Plan� 
  includes disputes based upon contract, tort, consumer rights, fraud and other  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  information on services that can help pay your debt in case of emergencies
                                                                                                                                means one or more payment program options Ohio University Foundation may 
  intentional torts, constitution, statute, regulation, ordinance, common law and  Administrator. The panel shall reconsider anew any aspect of the initial award  H.  Communicating with us: what happens when you contact us
                                                                                                                                ask us to offer from time to time.
  equity (including any claim for injunctive or declaratory relief). �Claim� does not  requested by the appealing party. The decision of the panel shall be by majority  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
                                                                                                                                Upholding your Agreement
  include disputes about the validity, enforceability, coverage or scope of this Arbi- vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  a jury trial waiver and Arbitration provision
  tration Provision or any part thereof (including, without limitation, the prohibition  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  Privacy statement: how we collect, use, share, and protect your personal informa- �	 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 
  against class proceedings, private attorney general proceedings and/or multiple  an appeal will be borne in accordance with Paragraph C.8. above. tion; and the privacy choices you can make.
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-      credit from us, you�ll be legally bound by this Agreement. You�re also legally 
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the       Financial terms of your account
                                            ment of all amounts owed under this Agreement, the closing of the Account, any         bound if you sign a charge slip, or permit someone else to use the credit 
  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  legal proceeding and any bankruptcy to the extent consistent with applicable  provided.
                                                                                       Interest Rates and Interest Charges      �	 You agree that the credit extended under your Account will be used only for 
  concerns the validity or enforceability of the Agreement as a whole is for the  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- World Financial Capital Bank is a Comenity SM company.
                                                                                                                                   personal, family or household purposes and not for business or commercial 
  arbitrator, not a court, to decide.       tion Provision, on the one hand, and the applicable arbitration rules or the other 
                                                      Salt Lake City, UT
  4. Starting an Arbitration:  Arbitration may be elected by any party with respect  provisions of this Agreement, on the other hand, this Arbitration Provision shall  22.99%, 18.99%,  purpose.
                                            govern.  This Arbitration Provision replaces any Prior Arbitration Agreement.       �	 If the Account is a joint Account, you and the joint Account holder will 
  to any Claim, even if that party has already initiated a lawsuit with respect to a 
                                                                                                                                   be bound by this Agreement. Each of you will be jointly and individually 
  different Claim. Arbitration is started by giving a written demand for arbitration  13. Severability:  If any portion of this Arbitration Provision, other than the Class  or 12.99%  when you 
                                                                                       Annual Percentage 
  to the other party. We will not demand to arbitrate an individual Claim that you  Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  responsible for repaying all amounts due.  If more than one person is re-
                                                                                                    open your account, based on your 
                                                                                       Rate (APR) for                              sponsible for this Account, we will only provide billing statements and com-
  bring against us in small claims court or your state�s equivalent court, if any. But  nevertheless remain in force. If a determination is made that the Class Action 
                                                                                                    creditworthiness.
  if that Claim is transferred, removed or appealed to a different court, we then  Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- Purchases munications to one of you.
                                                       World Financial Capital Bank is a
                                            main in force and the remaining provisions shall be null and void, provided that    �	 Any authorized user of your Account will be bound by the terms of this 
  have the right to demand arbitration.
                                            the determination concerning the Class Action Waiver shall be subject to appeal. Comenity SM company. After that, this APR will vary with the  Agreement. One additional Card may be issued with the individual name of 
  5. Choosing the Administrator:  �Administrator� means the American Arbitration 
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. 14. Special Payment:  If (1) you submit a Claim Notice in accordance with  Salt Lake City, UT an authorized user embossed on the Card. If you want to revoke the use of 
                                                                                                    market based on the Prime Rate.
                                                                                                                                   your Account by an authorized user, either write us at the address, or call us 
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. Paragraph B above on your own behalf (and not on behalf of any other party); 
                                                                                                                                   at the phone number, shown on your Statement.
  jamsadr.com; or any other company selected by mutual agreement of the par- (2) we refuse to provide you with the relief you request; and (3) an arbitrator  APR for Balance  23.99%
                                            subsequently determines that you were entitled to such relief (or greater relief),  �	 You agree to pay for all transactions made on your Account by an authorized 
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable       Transfers and Cash  This APR will vary with the market 
  to select an Administrator by mutual consent, the Administrator will be selected  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  user, whether or not such transactions were authorized by you or made for 
                                                                                       Advances     based on the Prime Rate.       your bene?t.
  by a court. The arbitrator will be appointed by the Administrator in accordance  you are entitled).
                                                                                                                                Card signature (as applicable)
  with the rules of the Administrator. However, the arbitrator must be a retired or                 Your due date is at least 23 days after 
                                                                                                                                For your own protection, please sign your Card before using it. Keep in mind that 
  former judge or a lawyer with at least 10 years of experience. You get to select the  Comenity Capital Bank, Salt Lake City, UT the close of each billing cycle. We will 
                                                                                                                                your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
  Administrator if you give us written notice of your selection with your notice that 
                                                                                                    not charge you interest on purchases  incurred on your Account.
  you are electing to arbitrate any Claim or within 20 days after we give you notice 
                                                                          408ALLN052313             if you pay your entire balance by the  Using your Account
  that we are electing to arbitrate any Claim (or, if you dispute our right to require  Paying Interest
  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  OUACCA0314      due date each month.   We will begin  �	 Your Account may be used to make purchases from anywhere MasterCard is 
  If you do not select the Administrator on time, we may do it. Notwithstanding                     charging interest on balance transfers  accepted.
  any language in this Arbitration Provision to the contrary, no arbitration may be                                             �	 We reserve the right to not honor transactions related to, including, but not 
                                                                                                    and cash advances on the transaction 
  administered, without the consent of all parties to the arbitration, by any Admin-                                               limited to, gambling, ATM usage at casinos, and illegal activities.
                                                                                                    date.
  istrator that has in place a formal or informal policy that is inconsistent with the                                          �	 You may obtain a loan from us under your Account by using your Card or 
  Class Action Waiver.                                                                                                             a convenience check as follows: by purchasing goods or services with your 
                                                                                       Minimum Interest  If you are charged interest, the charge 
                                                                                                                                   Card or your Account number; by obtaining a cash advance from a ?nancial 
                                                                                       Charge       will be no less than $2.00 per credit  institution, by use of an ATM; by using a convenience check; or, by incurring 
                                                                                                    plan                           charges authorized by this Agreement.
                                                                                                                                �	 From time to time, in our sole discretion, we may send you convenience 
                                                                                                    To learn more about factors to consider 
                                                                                       For Credit Card                             checks for use in borrowing under this Agreement. All convenience checks 
                                                                                                    when applying for or using a credit  you use will be treated as cash advances under this Agreement, and subject 
                                                                                       Tips from the 
                         *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *                             card, visit the website of the Consumer  to the terms and fees that apply to cash advances, unless we advise you 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Consumer Financial  otherwise.
   contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 Financial Protection Bureau at http://
                                                                                       Protection Bureau                        �	 You agree that convenience checks that you use will not be returned to you.
                                                                                                    www.consumer?nance.gov/learnmore.
                                                                                                                                �	 You may not use the convenience checks to make payments on any Co-
                                                                                                                                   menity Capital Bank Account.
                                                                                       Fees                                     �	 You agree not to use a convenience check, and we do not have to pay any 
                                                                                                                                   convenience check:
                                                                                       �	   Annual	Fee    None                     o  if you are in default under this Agreement;
                                                                                                                                   o  if payment of that convenience check would cause your outstanding 
                                                                                       Transaction Fees
                                                                                                                                     cash advance balance to exceed your cash advance limit; or
                                                                                       �	   Balance	Transfer The greater of $10 or 4% of  o  if we cancel or suspend your right to use convenience checks
                                                                                                          the amount of the balance  �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                                          transfer.                transfer account balances from other credit card accounts you may have 
                                                                                                                                   to the Account. We may, in our sole discretion, offer promotional plans for 
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Cash	Advance The greater of $10 or 4% 
                                                                                                                                   such balance transfers.
                                                                                                          of the amount of the cash 
                                                                                                                                �	 You may use the Card to obtain cash advances through certain ATMs. You 
                                                                                                          advance.                 will be given a Personal Identi?cation Number (PIN) which must be used in 
                                                                                       �	   Convenience	Checks The greater of $10 or  order to obtain an ATM cash advance.
                                                                                                          4% of the amount of the  o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                                                                     tions on dollar amount, number, or currency denominations.
                                                                                                          convenience check.
                                                                                                                                   o  You agree that any charges imposed by third parties for use of their 
                                                                                       �	   Foreign	Transaction 3% of each transaction in 
                                                                                                                                     ATM facilities will be added to your Account balance as a cash ad-
                                                                                                          U.S. dollars.              vance.
                                                                                                                                �	 If you make a purchase or obtain a cash advance in a foreign currency, 
                                                                                       Penalty Fees                                it will be converted by MasterCard into U.S. dollars in accordance with 
                                                                                       �	   Late	Payment  Up to $35.00             MasterCard Operating Regulations in effect at the time the transaction is 
                                                                                       �	   Returned	Payment Up to $35.00          processed.
                                                                                                                                   o  The currency conversion rate in effect on the processing date may dif-
                                                                                      How We Will Calculate Your Balance: We use a method called  fer from the rate in effect on the transaction date or the posting date.
                                                                                      �daily balance.� See your Account agreement for more details. o  The currency conversion rate used may be the same as, greater than, or 
                                                                                                                                     less than the amount that would be calculated by conversion through 
                                                                                      Billing Rights: Information on your rights to dispute  a ?nancial institution in the country in which the purchase or cash 
                                                                                      transactions and how to exercise those rights is provided in your  advance occurred.
                                                                                                                                Making payments
                                                                                      account agreement.
                                                                                                                                �	 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 
                                                                                      Comenity Capital Bank 1-866-439-3677  (TDD/TTY 1-888-819-1918)
                                                                                                                                   speci?ed for payments. Please don�t send cash.
                                                                                      New York Residents: New York Residents may contact the New York state Depart-
                                                                                                                                �	 Be sure to include your payment stub, do not staple your payment to the 
                                                                                      ment of Financial Services by telephone or visit its website for free information 
                                                                                                                                   stub, use the envelope provided with your Statement and don�t send any 
                                                                                      on comparative credit card rates, fees, and grace periods. New York Department 
                                                                                                                                   correspondence with your payment.
                                                                                      of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                                                                                                                �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                                                                   your Account for up to ?ve days, or may be rejected.
                                                                                                                                �	 All written communications concerning disputed amounts, including any 
                                                                                                                                   check or other payment instrument marked with �payment in full� or similar 
                                                                                                                                   language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                                                                                                                   Antonio, Texas 78247-5004.
                                                                                                                                   o  We may accept a payment sent to any other address without losing any 
                                                                                                                                     of our rights.
                                                                                                                                   o  No payment shall operate as an accord and satisfaction without our 
                                                                                                                                     prior written approval.
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime Rate plus 19.74%, 15.74% or 9.74% when you open your 
      (APR) for Purchase 
                          account, based on your creditworthiness. 
                          After that, this APR will vary with the market based on the Prime Rate. 
                             
      APR for Balance Transfers  Prime Rate plus 20.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 4% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $10 or 4% of the amount of the cash advance. 
      �  Convenience Check  The greater of $10 or 4% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method