Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-xxxx; PO #0094014xxx; 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: 
 CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER  any language in this Arbitration Provision to the contrary, no arbitration may be  � �
  Your Grand Rental Station   Discover  Credit Card account              34485I019  (03/14)
 IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. administered, without the consent of all parties to the arbitration, by any Admin-
  agreement.
 istrator that has in place a formal or informal policy that is inconsistent with the  Rate Information: The following chart provides details on your variable rate(s) as 
 B. Notice and cure
 Class Action Waiver. This card is issued by Comenity Capital Bank pursuant to a li- of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
 Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris- rate.
 6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  cense from Discover Financial Services. Discover is a registered 
 ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
 the party asserting the Claim (the �Claimant�) shall give the other party (the  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  trademark of Discover Financial Services.  This Agreement cov-
 �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  ers the Terms and Conditions of your account with us. In this  Add to Index APR Daily Periodic Rate
 opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN  document, you will ?nd important information about using and 
 shall be sent in writing to the address we have in our records (or any updated  Tier 1 Purchase APR 21.74% 24.99% 0.06846%
 ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  managing your account, including a Privacy Statement and infor-
 address you subsequently provide to us).  Any Claim Notice to us shall be sent by 
 IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
 mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  mation concerning your billing rights. Your use of the account, or  Tier 2 Purchase APR 16.74% 19.99% 0.05476%
 (or any updated address we subsequently provide).  Any Claim Notice you send  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- failure to close the account within the 30 days of receiving this  Tier 3 Purchase APR 10.74% 13.99% 0.03832%
 must provide your name, address and Account number.  Any Claim Notice must  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  document, indicates your acceptance of the terms of this agree-
 explain the nature of the Claim and the relief that is demanded.  You may only  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Balance Transfers and  22.74% 25.99% 0.07120%
  ment, including the assessment of any interest charges and fees.
 submit a Claim Notice on your own behalf and not on behalf of any other party. 
 TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  Cash Advances
 No third party, other than a lawyer you have personally retained, may submit a  Section I of this Agreement also includes a Jury Trial Waiver and 
 AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
 Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- 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 
 ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
  �	 You have a right to reject this Arbitration Provision. billing period in which interest is due. For additional information, see Rates in 
 C. Arbitration provision DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
  �	 If you do not reject this Arbitration Provision, it will be part  Section D.
 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
     of this Agreement and will:
 THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
     o  Eliminate your right to a trial by jury; and
 LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- OR MULTIPLE-PARTY ARBITRATION.  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
     o  Substantially affect your rights, including your right to  Past Due amounts. The total Minimum Payment Due on your account won�t be 
 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 
 must take place at a location reasonably convenient to you. We will pay any and  bring, join in or participate in class proceedings. less than $25.00. If your Account balance is less than $25.00, you must pay the 
 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
 all fees of the Administrator and/or the arbitrator if applicable law requires us  Please read each section carefully and keep this document for  amount indicated on your Statement in full. The Minimum Payment Due for each 
 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  to, if you prevail in the arbitration or if we must bear such fees in order for this  Regular Revolving and Cash Revolving Credit Plans will be: 
  your records.
 prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  Arbitration Provision to be enforced. If you demand an arbitration, we will pay  �	 The greater of:
 to apply, you may reject it by mailing us a written rejection notice which gives the  your reasonable attorneys� and experts� fees if you prevail or if we must bear such  In the following sections, you will ?nd information on: o  1% of the New Balance, excluding any new Regular Revolving or Cash 
                                                 Revolving Credit Plan Finance Charges shown on the Statement; or 
 name of each Cardholder and contains a statement that you (both of you, if more  fees in order for this Arbitration Provision to be enforced. Also, we will bear any  Financial terms of your account: An at-a-glance summary of the fees and charges 
 fees if applicable law requires us to.        o  $5.00
 than one) reject the Arbitration Provision of this Agreement. The rejection notice  associated with your account
 9. Governing Law:  This Arbitration Provision involves interstate commerce and  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
 must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  A.  Getting started: the basics of your account
 is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  Charges shown on the Statement rounded up to the nearest $1.00.
 43218-2422. A rejection notice is only effective if it is signed by you (all of you,  B.  Keeping your account in good standing: avoiding default, and what to do if 
 not by any state arbitration law. The arbitrator must apply applicable substantive  See Minimum Payment in Section C below for promotional credit plan minimum 
     your card is lost or stolen, as applicable
 if more than one) and if we receive it within thirty (30) calendar days after the  law consistent with the FAA and applicable statutes of limitations and claims of  payment calculations. 
 privilege recognized at law. The arbitrator may award any remedy provided by the  C.  Learning more about your account: credit plans, and credit limits, and how 
 date we ?rst provide you with a credit card agreement or written notice providing  The APR information described below is accurate as of March 1, 2014.  Due to a 
 you a right to reject this Arbitration Provision. Your rejection of this Arbitration  substantive law that would apply if the action were pending in court (including,  payments are calculated and applied change in the index, this information may have changed.   To ?nd out more, call 
 without limitation, punitive damages, which shall be governed by the Constitu- D.  Interest, fees and charges: when and how fees and costs are applied to your  us at 1-855-786-8571  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
 Provision will not affect any other provision of this Agreement or your ability to 
 tional standards employed by the courts). At the timely request of either party,  account Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
 obtain credit. the arbitrator must provide a brief written explanation of the basis for the award. E.  Other important information: legal rights, costs, and how we�ll handle  site at comenity.net/grandrentaldiscover.
 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  10. Right to Discovery:  In addition to the parties� rights to obtain discovery  changes to your account A. Getting Started
 (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  pursuant to the arbitration rules of the Administrator, either party may submit  F.  Disputes and reporting to consumer reporting agencies: data we provide, 
 Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the  De?nitions
 a written request to the arbitrator to expand the scope of discovery normally al- and receive from, consumer reporting agencies, and what to do if you think 
 employees, of?cers and directors of such companies (the �Bank Parties�); and  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
 lowable under the arbitration rules of the Administrator. The arbitrator shall have  there is an error on your periodic statement
 (b) any other person or company that provides any services in connection with  and �Your� mean each person who submits an application or solicitation for an 
 discretion to grant or deny that request. G.  Optional products: how to protect your account from fraud or theft, and 
 this Agreement if you assert a Claim against such other person or company at the  Account with us. �Account� means your credit card account with us. �Card� 
 11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  information on services that can help pay your debt in case of emergencies
 same time you assert a Claim against any Bank Party. means each credit card we issue for your Account, as applicable. �Credit Plan� 
 award may be entered by any court having jurisdiction. The arbitrator�s decision  H.  Communicating with us: what happens when you contact us means one or more payment program options Grand Rental Station may ask us 
 3. Covered Claims:  �Claim� means any claim, dispute or controversy between  is ?nal and binding, except for any right of appeal provided by the FAA. However, 
 you and us that in any way arises from or relates to this Agreement, the Account,  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  to offer from time to time.
 if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
 the issuance of any Card, any rewards program, any prior agreement or account.  a jury trial waiver and Arbitration provision Upholding your Agreement
 or declaratory relief that could foreseeably involve a cost or bene?t to either party 
 �Claim� includes disputes arising from actions or omissions prior to the date  exceeding $50,000, any party can, within 30 days after the entry of the award  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 
 any Card was issued to you, including the advertising related to, application for  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  tion; and the privacy choices you can make required of you. If you sign or submit an application or solicitation to obtain 
 or approval of the Account. �Claim� has the broadest possible meaning, and  Administrator. The panel shall reconsider anew any aspect of the initial award  Financial terms of your account credit from us, you�ll be legally bound by this Agreement. You�re also legally 
 includes initial claims, counterclaims, cross-claims and third-party claims. It  requested by the appealing party. The decision of the panel shall be by majority  bound if you sign a charge slip, or permit someone else to use the credit 
 includes disputes based upon contract, tort, consumer rights, fraud and other  vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  Interest Rates and Interest Charges provided.
 intentional torts, constitution, statute, regulation, ordinance, common law and  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  �	 You agree that the credit extended under your Account will be used only for 
 equity (including any claim for injunctive or declaratory relief). �Claim� does not  an appeal will be borne in accordance with Paragraph C.8. above. personal, family or household purposes and not for business or commercial 
 include disputes about the validity, enforceability, coverage or scope of this Arbi- 24.99%, 19.99%, 
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay- purpose.
 tration Provision or any part thereof (including, without limitation, the prohibition 
 ment of all amounts owed under this Agreement, the closing of the Account, any  �	 If the Account is a joint Account, you and the joint Account holder will 
 against class proceedings, private attorney general proceedings and/or multiple 
 legal proceeding and any bankruptcy to the extent consistent with applicable  or 13.99%  when you  be bound by this Agreement. Each of you will be jointly and individually 
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
 bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- open your account, based on  responsible for repaying all amounts due.  If more than one person is re-
 last sentence of Paragraph C.13 and/or this sentence); all such disputes are for 
 tion Provision, on the one hand, and the applicable arbitration rules or the other  World Financial Capital Bank is a Comenity SM company. Annual Percentage Rate  sponsible for this Account, we will only provide billing statements and com-
 a court and not an arbitrator to decide. However, any dispute or argument that  your creditworthiness.
 provisions of this Agreement, on the other hand, this Arbitration Provision shall  Salt Lake City, UT (APR) for Purchases munications to one of you.
 concerns the validity or enforceability of the Agreement as a whole is for the 
 govern.  This Arbitration Provision replaces any Prior Arbitration Agreement.
 arbitrator, not a court, to decide.        �	 Any authorized user of your Account will be bound by the terms of this 
 13. Severability:  If any portion of this Arbitration Provision, other than the Class  After that, this APR will vary with 
                                               Agreement. One additional Card may be issued with the individual name of 
 4. Starting an Arbitration:  Arbitration may be elected by any party with respect 
 Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  the market based on the Prime  an authorized user embossed on the Card. If you want to revoke the use of 
 to any Claim, even if that party has already initiated a lawsuit with respect to a 
 nevertheless remain in force. If a determination is made that the Class Action  Rate. your Account by an authorized user, either write us at the address, or call us 
 different Claim. Arbitration is started by giving a written demand for arbitration 
 Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- at the phone number, shown on your Statement.
 to the other party. We will not demand to arbitrate an individual Claim that you 
 main in force and the remaining provisions shall be null and void, provided that 
 bring against us in small claims court or your state�s equivalent court, if any. But  World Financial Capital Bank is a �	 You agree to pay for all transactions made on your Account by an authorized 
 the determination concerning the Class Action Waiver shall be subject to appeal.
 if that Claim is transferred, removed or appealed to a different court, we then  Comenity SM company. 25.99% user, whether or not such transactions were authorized by you or made for 
 have the right to demand arbitration. 14. Special Payment:  If (1) you submit a Claim Notice in accordance with  APR for Balance Transfers  This APR will vary with the  your bene?t.
 Salt Lake City, UT
 Paragraph B above on your own behalf (and not on behalf of any other party); 
 5. Choosing the Administrator:  �Administrator� means the American Arbitration  and Cash Advances market based on the Prime Rate. Card signature (as applicable)
 (2) we refuse to provide you with the relief you request; and (3) an arbitrator 
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. For your own protection, please sign your Card before using it. Keep in mind that 
 subsequently determines that you were entitled to such relief (or greater relief), 
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
 the arbitrator shall award you at least $5,100 (plus any fees and costs to which 
 jamsadr.com; or any other company selected by mutual agreement of the par- incurred on your Account.
 you are entitled). Your due date is at least 23 days 
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable 
                    after the close of each billing  Using your Account
 to select an Administrator by mutual consent, the Administrator will be selected 
 by a court. The arbitrator will be appointed by the Administrator in accordance  cycle. We will not charge you  �	 Your Account may be used to make purchases from anywhere Discover is 
                                               accepted.
 with the rules of the Administrator. However, the arbitrator must be a retired or  Comenity Capital Bank, Salt Lake City, UT interest on purchases if you pay 
 former judge or a lawyer with at least 10 years of experience. You get to select the  �	 We reserve the right to not honor transactions related to, including, but not 
   Paying Interest  your entire balance by the due 
 Administrator if you give us written notice of your selection with your notice that  limited to, gambling, ATM usage at casinos, and illegal activities.
 277ALLC083013      date each month.   We will begin 
 you are electing to arbitrate any Claim or within 20 days after we give you notice  �	 You may obtain a loan from us under your Account by using your Card or 
 34485I019 (03/14)
 that we are electing to arbitrate any Claim (or, if you dispute our right to require  charging interest on balance  a convenience check as follows: by purchasing goods or services with your 
 arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  transfers and cash advances on  Card or your Account number; by obtaining a cash advance from a ?nancial 
 If you do not select the Administrator on time, we may do it. Notwithstanding  the transaction date. institution, by use of an ATM; by using a convenience check; or, by incurring 
                                               charges authorized by this Agreement.
   Minimum Interest Charge If you are charged interest,  �	 From time to time, in our sole discretion, we may send you convenience 
                    the charge will be no less than  checks for use in borrowing under this Agreement. All convenience checks 
 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;   *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
                                               you use will be treated as cash advances under this Agreement, and subject 
 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 $2.00 per credit plan
                                               to the terms and fees that apply to cash advances, unless we advise you 
                                               otherwise.
                    To learn more about factors 
                                            �	 You agree that convenience checks that you use will not be returned to you.
                    to consider when applying for 
                                            �	 You may not use the convenience checks to make payments on any Co-
   For Credit Card Tips from  or using a credit card, visit 
                                               menity Capital Bank Account.
   the Consumer Financial  the website of the Consumer 
                                            �	 You agree not to use a convenience check, and we do not have to pay any 
   Protection Bureau Financial Protection Bureau at  convenience check:
                    http://www.consumer?nance.gov/ o  if you are in default under this Agreement;
                    learnmore.                 o  if payment of that convenience check would cause your outstanding 
                                                 cash advance balance to exceed your cash advance limit; or
                                               o  if we cancel or suspend your right to use convenience checks
   Fees
      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,  �	 From time to time, in our sole discretion, we may offer you the ability to 
                                               transfer account balances from other credit card accounts you may have 
   �	   Annual	Fee    None
                                               to the Account. We may, in our sole discretion, offer promotional plans for 
                                               such balance transfers.
   Transaction Fees
                                            �	 You may use the Card to obtain cash advances through certain ATMs. You 
                                               will be given a Personal Identi?cation Number (PIN) which must be used in 
   �	   Balance	Transfer The greater of $10 or 3% of  order to obtain an ATM cash advance.
                      the amount of the balance  o  Some limitations on ATM cash advances may apply, such as limita-
                      transfer.                  tions on dollar amount, number, or currency denominations.
                                               o  You agree that any charges imposed by third parties for use of their 
   �	   Cash	Advance  The greater of $10 or 3% 
                                                 ATM facilities will be added to your Account balance as a cash ad-
                      of the amount of the cash  vance.
                      advance.              �	 If you make a purchase or obtain a cash advance in a foreign currency, it 
   �	   Convenience	Checks The greater of $10 or 3% of  will be converted by Discover into U.S. dollars in accordance with Discover 
                      the amount of the convenience  Operating Regulations in effect at the time the transaction is processed.
                                               o  The currency conversion rate in effect on the processing date may dif-
                      check.
                                                 fer from the rate in effect on the transaction date or the posting date.
   �	   Foreign	Transaction 3% of each transaction in U.S.  o  The currency conversion rate used may be the same as, greater than, or 
                      dollars.                   less than the amount that would be calculated by conversion through 
                                                 a ?nancial institution in the country in which the purchase or cash 
   Penalty Fees                                  advance occurred.
   �	   Late	Payment  Up to $35.00          Making payments
   �	   Returned	Payment Up to $35.00       �	 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 
  How We Will Calculate Your Balance: We use a method called  speci?ed for payments. Please don�t send cash.
  �daily balance.� See your Account agreement for more details. �	 Be sure to include your payment stub, do not staple your payment to the 
                                               stub, use the envelope provided with your Statement and don�t send any 
                                               correspondence with your payment.
  Billing Rights: Information on your rights to dispute  �	 If your payment doesn�t meet these requirements, it may not be credited to 
  transactions and how to exercise those rights is provided in your  your Account for up to ?ve days, or may be rejected.
  account agreement.                        �	 All written communications concerning disputed amounts, including any 
                                               check or other payment instrument marked with �payment in full� or similar 
  Comenity Capital Bank 1-855-786-8571  (TDD/TTY 1-888-819-1918) language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                               Antonio, Texas 78247-5004.
  New York Residents: New York Residents may contact the New York state Depart-
                                               o  We may accept a payment sent to any other address without losing any 
  ment of Financial Services by telephone or visit its website for free information 
                                                 of our rights.
  on comparative credit card rates, fees, and grace periods. New York Department 
                                               o  No payment shall operate as an accord and satisfaction without our 
  of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                                 prior written approval.
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0214-xxxx; PO #0094014xxx; 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 �	 If the New Balance shown on your last Statement isn�t paid in full by the  Notice to New Jersey Residents Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                                Payment Due Date shown on your last Statement, there will be an interest  All provisions of this agreement are valid, enforceable and applicable in New  If you are dissatis?ed with the goods or services that you have purchased with 
   Avoiding default
                                                charge on each purchase from the date of purchase. Jersey.                        your credit card, and you have tried in good faith to correct the problem with the 
   You�ll be in default under this Agreement if you: �	 If you make a purchase under any Waive Interest Credit Plan, we won�t  F. Disputes and Reporting to Consumer Reporting Agencies merchant, you may have the right not to pay the remaining amount due on the 
   �	 Fail to make any payment when due         charge interest on the purchase if you pay the total purchase amount be-          purchase.
                                                                                        Credit Reports
   �	 Violate any provision of this Agreement   fore the end of the promotional period. If you don�t pay the total purchase       To use this right, all of the following must be true:
                                                                                        �	 You give us permission to investigate your credit record. 1. The purchase must have been made in your home state or within 100 miles 
   �	 Pass away                                 amount before the end of the promotional period, we�ll add the remaining 
                                                amount to your Regular Revolving balance. We�ll also begin charging inter- �	 You agree that a credit report may be requested in connection with the  of your current mailing address, and the purchase price must have been more 
   �	 Become the subject of bankruptcy or insolvency proceedings
                                                est on the purchase from the ?rst day after the promotional period ends. processing of your credit application. A report may also be requested in  than $50. (Note: Neither of these are necessary if your purchase was based on 
   �	 Supply us with misleading, false, incomplete or incorrect information               connection with a credit extension, credit limit request, Account renewal or  an advertisement we mailed to you, or if we own the company that sold you the 
                                             �	 If you make a purchase under any Defer Interest Promotional Credit Plan 
   �	 Are unable or unwilling to perform the terms or conditions of this Agreement        update, Account collection action, or dispute investigation. Upon request,  goods or services.)
                                                and don�t pay the total amount before the end of the promotional period, 
                                                                                                                                  2. You must have used your credit card for the purchase. Purchases made with 
   �	 Fail to supply us with any information we deem necessary we�ll add the remaining purchase amount and the amount of accrued inter- we will tell you the name and address of any consumer reporting agency that 
                                                                                          furnished a report on you. You consent to the obtaining of such reports by  cash advances from an ATM or with a check that accesses your credit card ac-
   �	 Default under any other loan or agreement you have with us or any of our  est to your Regular Revolving balance.
     af?liates                                                                            signing or otherwise submitting an application or solicitation. count do not qualify.
                                             �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,                3. You must not yet have fully paid for the purchase.
   �	 Become incompetent                        interest will be assessed from the date of purchase through the end of the  �	 You understand that we may report negative information (such as, late pay-
                                                                                                                                  If all of the criteria above are met and you are still dissatis?ed with the purchase, 
   �	 Exceed your Credit Limit                  promotional period.                       ments, missed payments, or other defaults) about your Account to con-
                                                                                                                                  contact us in writing at:
                                                                                          sumer reporting agencies.
   �	 Issue a payment returned unpaid by your bank for any reason How we calculate Interest Charges on your Account               Comenity Capital Bank
                                             We calculate interest separately for each Credit Plan, using a �Daily Balance�  �	 You give us permission to provide information about your Account to con-
   If we consider your Account in default, we may suspend your ability to make                                                    PO Box 182620, Columbus, Ohio 43218-2620
                                                                                          sumer reporting agencies and other creditors, as well as to the retailer 
   charges, close your Account, require you to pay the full amount you owe im- to determine interest charges for each billing period. Our calculation method is  While we investigate, the same rules apply to the disputed amount as discussed 
                                                                                          whose name appears on your Card.
   mediately or take any other action permitted by law. If applicable law requires  as follows:                                   above. After we ?nish our investigation, we will tell you our decision. At that 
   us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  �	 We start with the beginning balance on your Account each day (including  Credit report disputes point, if we think you owe an amount and you do not pay, we may report you as 
   your default.                                unpaid interest charges and fees).      If you believe the Account information we reported to a consumer reporting agen- delinquent.
                                                                                        cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
   Reporting a lost or stolen card (as applicable) �	 We subtract any payments or credit adjustments (treating any net credit     G. Optional products
                                                                                        Box 182120, Columbus, Ohio 43218-2120. 
   If you notice the loss or theft of your credit card or a possible unauthorized use  balance as a zero balance) and add new transactions and debit adjustments 
                                                                                        Your written dispute must provide suf?cient information to identify the Account  Credit insurance (as applicable)
   of your card, you should write to us immediately at PO Box 183003, Columbus,  posted as of that day. This gives us the �Partial Daily Balance� for the day.
                                                                                        and specify why the information is inaccurate: Purchasing credit insurance is optional. If you do choose to carry credit insur-
   Ohio 43218-3003 or call us at 1-855-786-8571  (TDD/TTY: 1-888-819-1918).  �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic 
   You will not be liable for any unauthorized use that occurs after you notify us.     �	 Account Information:  Your name and Account number ance coverage, the premium charge will be added to your Account as a purchase 
                                                Rate. This gives us the �Daily Interest Charge� for the day, which we add to      on the last day of each billing period.  You can cancel your coverage at any time.
   You may, however, be liable for unauthorized use that occurs before your notice  the day�s Partial Daily Balance. �	 Contact Information:  Your address and telephone number
                                                                                                                                  Account Assure Pro Debt cancellation (as applicable)
   to us.  In any case, your liability will not exceed $50. �	 We�ve now determined the �Daily Balance,� which will be the beginning  �	 Disputed Information:  Identify the Account information disputed and ex-
                                                                                                                                  �	 Purchasing Account Assure Pro is optional.
   C. Learning more about your account          balance for the following day. This results in daily compounding of interest  plain why you believe it is inaccurate
                                                charges.                                �	 Supporting Documentation:  If available, provide a copy of the section of  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
   Credit Plans                                                                                                                      your application for credit or the terms of any existing credit agreement you 
                                             �	 At the end of each billing period, we add together each Credit Plan�s Daily  the credit report showing the Account information you are disputing
   �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred-         We will investigate the disputed information and report the results to you within  have with us.
                                                Interest Charge, which gives us the total interest charge.
     it Plan and one or more promotional Credit Plans. Credit Plans offered and         30 days of receipt of the information needed for our investigation. If we ?nd that  �	 The monthly fee for Account Assure Pro is based on the outstanding month-
                                             �	 Your Statement will show a Balance Subject to Interest Rate, which is the 
     their particular features (including but not limited to minimum purchase           the Account information we reported is inaccurate, we will promptly provide the  ly balance on your Account each month and will be added to your State-
                                                sum of the Daily Balances for each day in the billing period divided by the 
     requirements and minimum payment) may vary occasionally at our discre-             necessary correction to each consumer reporting agency to which we reported  ment.
                                                total number of days.
     tion and include one or more Regular Revolving or promotional Credit Plans.        the information.                          �	 We�ll provide additional information before you�re required to pay for Ac-
                                             Rates
   �	 We may offer different promotional Credit Plans from time to time.                Your Billing Rights: Keep This Document For Future Use count Assure Pro. This will include a copy of the terms and conditions 
   �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 The Index in effect for each billing period will be the highest �Prime Rate� 
                                                                                        This notice tells you about your rights and our responsibilities under the Fair  pertaining to Account Assure Pro.
     this Agreement will include information about the terms for the Plan, by  of interest as published in the �Money Rates� section of The Wall Street 
                                                                                        Credit Billing Act.                       �	 You can cancel your Account Assure Pro at any time.
     use of an insert, attachment, or other written information provided as part  Journal for the calendar month preceding the month in which the billing pe-
                                                                                        What To Do If You Find A Mistake On Your Statement
                                                riod begins, rounded upward if necessary, to the nearest .001% (�Index�).         �	 There are eligibility requirements, conditions, and exclusions that could 
     of this Agreement.                                                                 If you think there is an error on your statement, write to us at: Comenity Capital  prevent you from receiving bene?ts under Account Assure Pro.
   �	 Normal late fees, returned payment fees and all other provisions apply to  �	 Any variable APR may increase if the Index increases.
                                                                                        Bank, PO Box 182620, Columbus, Ohio 43218-2620 �	 Be sure to carefully read the Addendum for a full explanation of the terms 
     any promotional Credit Plan, unless inconsistent with a particular Credit  �	 An increase or decrease in the APR will result in a corresponding increase  In your letter, give us the following information: of Account Assure Pro.
     Plan offering.                             or decrease in the amount of interest and may increase the Total Minimum 
                                                                                        �	 Account information: Your name and account number. H. Communicating with us
   �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- Payment.
                                                                                        �	 Dollar amount: The dollar amount of the suspected error.
     tional period ends, the balance will be transferred to your Regular Revolving  Other fees and charges                        Communicating to you about your Account
                                                                                        �	 Description of problem: If you think there is an error on your bill, describe 
     balance.                                You agree to pay the following fees and charges:                                     If we need to contact you to service your Account or to collect amounts you owe 
                                                                                          what you believe is wrong and why you believe it is a mistake.
   �	 Promotional Credit Plans may include:  �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-           to us, you give direct consent to us, as well as servicers, agents, contractors and 
                                                                                        You must contact us:
     o  Waive Interest, Payment Required   o Defer Interest, Payment Required ment Due Date, we will charge you a late fee.       collectors of your Account, to communicate with you in any way, such as calling, 
                                                                                        �	 Within 60 days after the error appeared on your statement.
     o  Waive Interest, Equal Payment   o Defer Interest, Low Payment o  The fee is $25.00 if you were not charged a late fee during any of the  texting, or electronic mail via:
     o  Waive Interest, Low Payment   o Low APR, Equal Payment prior six billing periods. �	 At least 3 business days before an automated payment is scheduled, if you  1)  a cell, landline, or text number you provide, use to contact us, or at which 
     o  Defer Interest, Equal Payment   o Budget Payment  o  Otherwise, the fee is $35.00. want to stop payment on the amount you think is wrong. we believe we can reach you (even if it is not yours),
                                                o                                       You must notify us of any potential errors in writing. You may call us, but if you 
   Skip-payment option                            This fee will never exceed the minimum payment due that was due                 2)  any electronic mail address you provide to us or one of our merchants,
                                                  immediately prior to the date on which the fee was assessed. do we are not required to investigate any potential errors and you may have to  3)  automated dialer systems and automatic telephone dialing systems,
   �	 At our discretion, we may allow you to skip making the Minimum Payment.           pay the amount in question.               4)  pre-recorded or arti?cial voice messages and other forms of communica-
                                             �	 Returned Payment Fee: We may charge you a fee for each payment that your 
   �	 Finance Charges will be assessed during the skip-payment period, but a late       What Will Happen After We Receive Your Letter tions.
                                                bank doesn�t honor for any reason.
     fee won�t be imposed.  This will not be considered a waiver of any of the                                                    You also agree that these communications aren�t unsolicited for purposes of any 
                                                o  The fee is $25.00 if you were not charged a returned payment fee  When we receive your letter, we must do two things:
     rights granted by this Agreement.
                                                  during any of the prior six billing periods. 1. Within 30 days of receiving your letter, we must tell you that we received your  state or federal law, and you understand that this may result in additional mobile, 
   �	 All other terms of your Account apply during the skip-payment period.                                                       text message, or data charges.
                                                o  Otherwise, the fee is $35.00.         letter. We will also tell you if we have already corrected the error.
   Credit limit                                 o  This fee will never exceed the minimum payment due that was due  2. Within 90 days of receiving your letter, we must either correct the error or  Phone monitoring
   �	 Your Credit Limit is the total maximum amount we permit you to owe us at  immediately prior to the date on which the fee was assessed. explain to you why we believe the bill is correct.
                                                                                                                                  �	 To provide you with high-quality service, phone communication with us is 
                                                                                        While we investigate whether or not there has been an error:
     any time.                               �	 Although we may decide to do so, we aren�t required to attempt to collect a          monitored and/or recorded.  
                                                payment more than once.                 �	 We cannot try to collect the amount in question, or report you as delinquent 
   �	 You may not exceed any Credit Limit that we set for your Account.                                                           �	 You agree that we monitor and/or record any phone calls between you and 
                                                                                          on that amount.
   �	 If you do exceed your Credit Limit, we can still charge you for all transac- �	 Document Fees: If we provide you with a copy of any Statement, sales draft  us.  
                                                or similar document at your request (except in connection with billing error  �	 The charge in question may remain on your statement, and we may continue 
     tions, interest and other charges without giving up any of our rights under                                                  �	 Please inform all authorized cardholders of this provision, including anyone 
     this Agreement.                            inquiries or resolution), we may charge the Account the following fee(s),  to charge you interest on that amount.
                                                                                                                                     acting on your behalf or making payments on this Account.
                                                subject to any limitations of applicable law: �	 While you do not have to pay the amount in question, you are responsible 
   �	 We may change your Credit Limit at any time.                                                                                For Wisconsin residents:
                                                o  Statement copy - $6.00                 for the remainder of your balance.
   Account cancellation                                                                                                           If you are married, please contact us immediately upon receipt of this Agreement 
                                                o  Sales/Credit Draft copy - $6.00      �	 We can apply any unpaid amount against your credit limit.
                                                                                                                                  at 1-855-786-8571  (TDD/TTY 1-888-819-1918) and provide us with the name 
   �	 You may cancel your Account. You�re still obligated to pay the full amount  o  Check/Money Order copy - $6.00 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 
     you owe us.                             �	 Alternative Payment Method Fee: We may offer alternative payment meth- �	 If we made a mistake: You will not have to pay the amount in question or  opened a credit account for you.
   �	 We may cancel your Account at any time, for any reason. ods that allow you to make individual, expedited payments to your Account  any interest or other fees related to that amount.
                                                                                                                                  For bankruptcy noti?cations:
   �	 We may refuse to authorize any transaction on your Account. We may also  over the phone.  If you choose to use this payment method, we may assess  �	 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 
     suspend your Account and your right to use your Card, including each Card  the current fee we charge for this service, subject to any limitations of ap- 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 give to others.                        plicable law. Currently, that fee is up to $15.00 but may change. We�ll let  ment of the amount you owe and the date payment is due. We may then  Department, PO Box 183043, Columbus, Ohio 43218-3043.
   �	 We may stop offering any Credit Plan at any time, for any reason. you know the current fee before you authorize any payment(s), and you can  report you as delinquent if you do not pay the amount we think you owe.
                                                withdraw your request if you don�t want to pay the fee.                           I. Arbitration and jury trial waiver
   �	 Cancellation or suspension of your Account doesn�t negate your obligation         If you receive our explanation but still believe your bill is wrong, you must write 
     to pay any amount you owe us.           �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  A. Jury trial waiver
                                                cial institution or through an ATM, you will pay a transaction fee equal to  report you as delinquent without also reporting that you are questioning your bill. 
   �	 Cancellation of your Account includes each Card you give to others.                                                         TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
                                                the greater of $10 or 3% of the amount of the cash advance. You take a  We must tell you the name of anyone to whom we reported you as delinquent, 
   �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto- TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
                                                                                        and we must let those organizations know when the matter has been settled 
     your Account.                              mated teller machine (ATM); or get money through a ?nancial institution. between us. TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
   Minimum Payment                           �	 Convenience Check Fee:  For any convenience check written against your  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
   �	 You can pay all of your Account balance at any time without  Account, you will pay a transaction fee equal to the greater of $10 or 3% of  the amount you question even if your bill is correct.
                                                the amount of the convenience check.
     penalty.
                                             �	 Balance Transfer Fee:  For any balance transfer from another account, you 
   �	 You must pay at least the Total Minimum Payment for each billing period by                               *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
                                                will pay a transaction fee equal to the greater of $10 or 3% of the amount 
     the Payment Due Date shown on your Statement.
                                                of the balance transfer.
   �	 The Minimum Payment is the total of the minimum payments for the Regu-
                                             �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
     lar Revolving and promotional Credit Plans plus any Past Due amounts.
                                                States or in a foreign currency, you will pay a transaction fee equal to 3% 
   �	 The Total Minimum Payment won�t be less than $25.00. If your Account 
                                                of the U.S. dollar amount of the transaction.  If a charge or cash advance 
     balance is less than $25.00, you must pay the amount indicated on your 
                                                is converted into U.S. dollars our network providers (Visa, MasterCard, and  rev.	04/13
     Statement in full.                                                                                                           No   No No No
                                                Discover) will select either (1) a rate from the range of rates available in                    Yes Yes Yes
   �	 The minimum payment for each Credit Plan is calculated as follows: wholesale currency markets for the applicable central processing date, 
     o  The minimum payment for the Waive Interest, Payment Required and  which may vary from the rate the network provider itself receives, or (2) a 
                                                                                                                            Can you limit   this sharing?
        Defer Interest, Payment Required Credit Plans will be the greater of: government-mandated rate in effect for the applicable central processing 
          (a) $5.00 or                          date.
          (b) 4% (rounded up to the nearest $1.00) of the New Balance 
                                             �	 Return Convenience Check Fee: For each convenience check written against 
          shown on your Statement for that Credit Plan.
                                                your Account which fails to clear and is returned unsatis?ed, you will pay a 
     o  The minimum payment for the Waive Interest, Equal Payment and 
                                                fee of up to $35. 
        Defer Interest, Equal Payment Credit Plans will be the amount of the 
                                             �	 Stop Payment Fee: For each convenience check written against your Ac-
        purchase divided by the number of months between the date of the 
                                                count on which you request us to stop payment, you will pay a fee of up to 
        purchase and the promotional period end date (minimum $5.00) 
                                                $35, regardless of whether we actually stop payment on the convenience            Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
        rounded up to the nearest $1.00.                                                                                      share?
                                                check.
     o  The minimum payment for the Low APR, Equal Payment Credit Plan 
        will be the amount of the purchase including the calculated interest  E. Other important information 
                                                                                                                             Does Comenity 
        charges that will be assessed from the date of purchase through the  Collection costs
        end of the promotional period divided by the number of months be-
                                             To the extent not prohibited by applicable law, you agree to pay the reasonable 
        tween the date of the purchase and the promotional period end date 
                                             costs for collecting amounts due, including reasonable attorney�s fees and court 
        (minimum $5.00) rounded up to the nearest $1.00.
                                             costs incurred by us or another person or entity.
     o  The minimum payment for the Waive Interest, Low Payment and Defer 
        Interest, Low Payment Credit Plans will be the greater of: Changes
          (a) $5.00 or                       We may add, change, or delete the terms of your Account. If required by appli-
          (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  cable law, we will give you advance written notice of the change(s) and a right to 
          shown on your Statement for that Credit Plan. reject the change(s).
   Payment application                       Security Interest
                                             You grant us a security interest in all goods you purchase through the use of the 
   �	 We reserve the right to apply payments equal to or less than the Total Mini-
                                             Account, now or at any time in the future and in all accessions to and proceeds of 
     mum Payment however we see ?t, which may result in balances subject to 
                                             such goods. We waive any security interest we may have in your principal dwell-
     lower interest rates being paid prior to other balances. This may also result 
                                             ing, to the extent that it would otherwise secure any obligation arising hereunder.
     in higher interest charges.
                                             Changes to your information
   �	 Any payment you make in excess of the required Total Minimum Payment 
     will be allocated to your Account as required by applicable law. You agree to notify us immediately of any changes to your name, mailing address, 
                                             electronic mail address or telephone number(s).
   �	 Excess payments received before a deferred interest promotion expires are 
     applied to the deferred interest promotional balance ?rst in the last two  Governing Law
                                                                                                             Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	
                                             THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW.                                             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.
     billing periods of the promotional period.
   D. Interest, fees and charges             THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
                                             MITTED OR REQUIRED BY APPLICABLE LAW.          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.
   Interest charges                                                                                                           information
                                             Transfer of Rights/Assignment
   �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
     transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal 
     transfer to avoid incurring a Finance Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
     convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time 
     check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent.
     vances, the date of the advance is the date you obtained the advance. No Waiver of Rights                              Reasons we can share your personal  
   �	 If you make a purchase under a Regular Revolving Credit Plan, interest  We can delay enforcing our rights under this Agreement without losing them. FACTS Why? What?  How? sharing
     charges won�t be imposed in any billing period in which (i) no Previous Bal-
                                             Severability
     ance exists or (ii) payments received and credits issued by the Payment Due                                                                             To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
     Date, equal or exceed the Previous Balance. If any provision of this Agreement is in con?ict with applicable law, that provision 
                                             will be considered to be modi?ed to conform with applicable law.                   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-xxxx; PO #0094014xxx; 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 �	 If the New Balance shown on your last Statement isn�t paid in full by the  Notice to New Jersey Residents Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
 Payment Due Date shown on your last Statement, there will be an interest  All provisions of this agreement are valid, enforceable and applicable in New  If you are dissatis?ed with the goods or services that you have purchased with 
 Avoiding default
 charge on each purchase from the date of purchase. Jersey. your credit card, and you have tried in good faith to correct the problem with the 
 You�ll be in default under this Agreement if you: �	 If you make a purchase under any Waive Interest Credit Plan, we won�t  F. Disputes and Reporting to Consumer Reporting Agencies merchant, you may have the right not to pay the remaining amount due on the 
 �	 Fail to make any payment when due charge interest on the purchase if you pay the total purchase amount be- purchase.
  Credit Reports
 �	 Violate any provision of this Agreement fore the end of the promotional period. If you don�t pay the total purchase  To use this right, all of the following must be true:
  �	 You give us permission to investigate your credit record. 1. The purchase must have been made in your home state or within 100 miles 
 �	 Pass away amount before the end of the promotional period, we�ll add the remaining 
 amount to your Regular Revolving balance. We�ll also begin charging inter- �	 You agree that a credit report may be requested in connection with the  of your current mailing address, and the purchase price must have been more 
 �	 Become the subject of bankruptcy or insolvency proceedings
 est on the purchase from the ?rst day after the promotional period ends. processing of your credit application. A report may also be requested in  than $50. (Note: Neither of these are necessary if your purchase was based on 
 �	 Supply us with misleading, false, incomplete or incorrect information connection with a credit extension, credit limit request, Account renewal or  an advertisement we mailed to you, or if we own the company that sold you the 
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan 
 �	 Are unable or unwilling to perform the terms or conditions of this Agreement update, Account collection action, or dispute investigation. Upon request,  goods or services.)
 and don�t pay the total amount before the end of the promotional period, 
                                             2. You must have used your credit card for the purchase. Purchases made with 
 �	 Fail to supply us with any information we deem necessary we�ll add the remaining purchase amount and the amount of accrued inter- we will tell you the name and address of any consumer reporting agency that 
     furnished a report on you. You consent to the obtaining of such reports by  cash advances from an ATM or with a check that accesses your credit card ac-
 �	 Default under any other loan or agreement you have with us or any of our  est to your Regular Revolving balance.
 af?liates signing or otherwise submitting an application or solicitation. count do not qualify.
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  3. You must not yet have fully paid for the purchase.
 �	 Become incompetent interest will be assessed from the date of purchase through the end of the  �	 You understand that we may report negative information (such as, late pay-
                                             If all of the criteria above are met and you are still dissatis?ed with the purchase, 
 �	 Exceed your Credit Limit promotional period. ments, missed payments, or other defaults) about your Account to con-
                                             contact us in writing at:
     sumer reporting agencies.
 �	 Issue a payment returned unpaid by your bank for any reason How we calculate Interest Charges on your Account Comenity Capital Bank
 We calculate interest separately for each Credit Plan, using a �Daily Balance�  �	 You give us permission to provide information about your Account to con-
 If we consider your Account in default, we may suspend your ability to make  PO Box 182620, Columbus, Ohio 43218-2620
     sumer reporting agencies and other creditors, as well as to the retailer 
 charges, close your Account, require you to pay the full amount you owe im- to determine interest charges for each billing period. Our calculation method is  While we investigate, the same rules apply to the disputed amount as discussed 
     whose name appears on your Card.
 mediately or take any other action permitted by law. If applicable law requires  as follows: above. After we ?nish our investigation, we will tell you our decision. At that 
 us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  �	 We start with the beginning balance on your Account each day (including  Credit report disputes point, if we think you owe an amount and you do not pay, we may report you as 
 your default. unpaid interest charges and fees). If you believe the Account information we reported to a consumer reporting agen- delinquent.
  cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
 Reporting a lost or stolen card (as applicable) �	 We subtract any payments or credit adjustments (treating any net credit  G. Optional products
  Box 182120, Columbus, Ohio 43218-2120. 
 If you notice the loss or theft of your credit card or a possible unauthorized use  balance as a zero balance) and add new transactions and debit adjustments 
  Your written dispute must provide suf?cient information to identify the Account  Credit insurance (as applicable)
 of your card, you should write to us immediately at PO Box 183003, Columbus,  posted as of that day. This gives us the �Partial Daily Balance� for the day.
  and specify why the information is inaccurate: Purchasing credit insurance is optional. If you do choose to carry credit insur-
 Ohio 43218-3003 or call us at 1-855-786-8571  (TDD/TTY: 1-888-819-1918).  �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic 
 You will not be liable for any unauthorized use that occurs after you notify us.  �	 Account Information:  Your name and Account number ance coverage, the premium charge will be added to your Account as a purchase 
 Rate. This gives us the �Daily Interest Charge� for the day, which we add to  on the last day of each billing period.  You can cancel your coverage at any time.
 You may, however, be liable for unauthorized use that occurs before your notice  the day�s Partial Daily Balance. �	 Contact Information:  Your address and telephone number
                                             Account Assure Pro Debt cancellation (as applicable)
 to us.  In any case, your liability will not exceed $50. �	 We�ve now determined the �Daily Balance,� which will be the beginning  �	 Disputed Information:  Identify the Account information disputed and ex-
                                             �	 Purchasing Account Assure Pro is optional.
 C. Learning more about your account balance for the following day. This results in daily compounding of interest  plain why you believe it is inaccurate
 charges. �	 Supporting Documentation:  If available, provide a copy of the section of  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
 Credit Plans                                  your application for credit or the terms of any existing credit agreement you 
 �	 At the end of each billing period, we add together each Credit Plan�s Daily  the credit report showing the Account information you are disputing
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- We will investigate the disputed information and report the results to you within  have with us.
 Interest Charge, which gives us the total interest charge.
 it Plan and one or more promotional Credit Plans. Credit Plans offered and  30 days of receipt of the information needed for our investigation. If we ?nd that  �	 The monthly fee for Account Assure Pro is based on the outstanding month-
 �	 Your Statement will show a Balance Subject to Interest Rate, which is the 
 their particular features (including but not limited to minimum purchase  the Account information we reported is inaccurate, we will promptly provide the  ly balance on your Account each month and will be added to your State-
 sum of the Daily Balances for each day in the billing period divided by the 
 requirements and minimum payment) may vary occasionally at our discre- necessary correction to each consumer reporting agency to which we reported  ment.
 total number of days.
 tion and include one or more Regular Revolving or promotional Credit Plans. the information. �	 We�ll provide additional information before you�re required to pay for Ac-
 Rates
 �	 We may offer different promotional Credit Plans from time to time. Your Billing Rights: Keep This Document For Future Use count Assure Pro. This will include a copy of the terms and conditions 
 �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 The Index in effect for each billing period will be the highest �Prime Rate� 
  This notice tells you about your rights and our responsibilities under the Fair  pertaining to Account Assure Pro.
 this Agreement will include information about the terms for the Plan, by  of interest as published in the �Money Rates� section of The Wall Street 
  Credit Billing Act.                        �	 You can cancel your Account Assure Pro at any time.
 use of an insert, attachment, or other written information provided as part  Journal for the calendar month preceding the month in which the billing pe-
  What To Do If You Find A Mistake On Your Statement
 riod begins, rounded upward if necessary, to the nearest .001% (�Index�).  �	 There are eligibility requirements, conditions, and exclusions that could 
 of this Agreement. If you think there is an error on your statement, write to us at: Comenity Capital  prevent you from receiving bene?ts under Account Assure Pro.
 �	 Normal late fees, returned payment fees and all other provisions apply to  �	 Any variable APR may increase if the Index increases.
  Bank, PO Box 182620, Columbus, Ohio 43218-2620 �	 Be sure to carefully read the Addendum for a full explanation of the terms 
 any promotional Credit Plan, unless inconsistent with a particular Credit  �	 An increase or decrease in the APR will result in a corresponding increase  In your letter, give us the following information: of Account Assure Pro.
 Plan offering. or decrease in the amount of interest and may increase the Total Minimum 
  �	 Account information: Your name and account number. H. Communicating with us
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- Payment.
  �	 Dollar amount: The dollar amount of the suspected error.
 tional period ends, the balance will be transferred to your Regular Revolving  Other fees and charges Communicating to you about your Account
  �	 Description of problem: If you think there is an error on your bill, describe 
 balance. You agree to pay the following fees and charges: If we need to contact you to service your Account or to collect amounts you owe 
     what you believe is wrong and why you believe it is a mistake.
 �	 Promotional Credit Plans may include:  �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay- to us, you give direct consent to us, as well as servicers, agents, contractors and 
  You must contact us:
 o  Waive Interest, Payment Required   o Defer Interest, Payment Required ment Due Date, we will charge you a late fee. collectors of your Account, to communicate with you in any way, such as calling, 
  �	 Within 60 days after the error appeared on your statement.
 o  Waive Interest, Equal Payment   o Defer Interest, Low Payment o  The fee is $25.00 if you were not charged a late fee during any of the  texting, or electronic mail via:
 o  Waive Interest, Low Payment   o Low APR, Equal Payment prior six billing periods. �	 At least 3 business days before an automated payment is scheduled, if you  1)  a cell, landline, or text number you provide, use to contact us, or at which 
 o  Defer Interest, Equal Payment   o Budget Payment  o  Otherwise, the fee is $35.00. want to stop payment on the amount you think is wrong. we believe we can reach you (even if it is not yours),
 o  You must notify us of any potential errors in writing. You may call us, but if you 
 Skip-payment option This fee will never exceed the minimum payment due that was due  2)  any electronic mail address you provide to us or one of our merchants,
 immediately prior to the date on which the fee was assessed. do we are not required to investigate any potential errors and you may have to  3)  automated dialer systems and automatic telephone dialing systems,
 �	 At our discretion, we may allow you to skip making the Minimum Payment. pay the amount in question. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
 �	 Returned Payment Fee: We may charge you a fee for each payment that your 
 �	 Finance Charges will be assessed during the skip-payment period, but a late  What Will Happen After We Receive Your Letter tions.
 bank doesn�t honor for any reason.
 fee won�t be imposed.  This will not be considered a waiver of any of the  You also agree that these communications aren�t unsolicited for purposes of any 
 o  The fee is $25.00 if you were not charged a returned payment fee  When we receive your letter, we must do two things:
 rights granted by this Agreement.
 during any of the prior six billing periods. 1. Within 30 days of receiving your letter, we must tell you that we received your  state or federal law, and you understand that this may result in additional mobile, 
 �	 All other terms of your Account apply during the skip-payment period. text message, or data charges.
 o  Otherwise, the fee is $35.00. letter. We will also tell you if we have already corrected the error.
 Credit limit o  This fee will never exceed the minimum payment due that was due  2. Within 90 days of receiving your letter, we must either correct the error or  Phone monitoring
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at  immediately prior to the date on which the fee was assessed. explain to you why we believe the bill is correct.
                                             �	 To provide you with high-quality service, phone communication with us is 
  While we investigate whether or not there has been an error:
 any time. �	 Although we may decide to do so, we aren�t required to attempt to collect a  monitored and/or recorded.  
 payment more than once. �	 We cannot try to collect the amount in question, or report you as delinquent 
 �	 You may not exceed any Credit Limit that we set for your Account. �	 You agree that we monitor and/or record any phone calls between you and 
     on that amount.
 �	 If you do exceed your Credit Limit, we can still charge you for all transac- �	 Document Fees: If we provide you with a copy of any Statement, sales draft  us.  
 or similar document at your request (except in connection with billing error  �	 The charge in question may remain on your statement, and we may continue 
 tions, interest and other charges without giving up any of our rights under  �	 Please inform all authorized cardholders of this provision, including anyone 
 this Agreement. inquiries or resolution), we may charge the Account the following fee(s),  to charge you interest on that amount.
                                               acting on your behalf or making payments on this Account.
 subject to any limitations of applicable law: �	 While you do not have to pay the amount in question, you are responsible 
 �	 We may change your Credit Limit at any time. For Wisconsin residents:
 o  Statement copy - $6.00 for the remainder of your balance.
 Account cancellation                        If you are married, please contact us immediately upon receipt of this Agreement 
 o  Sales/Credit Draft copy - $6.00 �	 We can apply any unpaid amount against your credit limit.
                                             at 1-855-786-8571  (TDD/TTY 1-888-819-1918) and provide us with the name 
 �	 You may cancel your Account. You�re still obligated to pay the full amount  o  Check/Money Order copy - $6.00 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 
 you owe us. �	 Alternative Payment Method Fee: We may offer alternative payment meth- �	 If we made a mistake: You will not have to pay the amount in question or  opened a credit account for you.
 �	 We may cancel your Account at any time, for any reason. ods that allow you to make individual, expedited payments to your Account  any interest or other fees related to that amount.
                                             For bankruptcy noti?cations:
 �	 We may refuse to authorize any transaction on your Account. We may also  over the phone.  If you choose to use this payment method, we may assess  �	 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 
 suspend your Account and your right to use your Card, including each Card  the current fee we charge for this service, subject to any limitations of ap- 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 give to others. plicable law. Currently, that fee is up to $15.00 but may change. We�ll let  ment of the amount you owe and the date payment is due. We may then  Department, PO Box 183043, Columbus, Ohio 43218-3043.
 �	 We may stop offering any Credit Plan at any time, for any reason. you know the current fee before you authorize any payment(s), and you can  report you as delinquent if you do not pay the amount we think you owe.
 withdraw your request if you don�t want to pay the fee. I. Arbitration and jury trial waiver
 �	 Cancellation or suspension of your Account doesn�t negate your obligation  If you receive our explanation but still believe your bill is wrong, you must write 
 to pay any amount you owe us. �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  A. Jury trial waiver
 cial institution or through an ATM, you will pay a transaction fee equal to  report you as delinquent without also reporting that you are questioning your bill. 
 �	 Cancellation of your Account includes each Card you give to others. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
 the greater of $10 or 3% of the amount of the cash advance. You take a  We must tell you the name of anyone to whom we reported you as delinquent, 
 �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto- TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
  and we must let those organizations know when the matter has been settled 
 your Account. mated teller machine (ATM); or get money through a ?nancial institution. between us. TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
 Minimum Payment �	 Convenience Check Fee:  For any convenience check written against your  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
 �	 You can pay all of your Account balance at any time without  Account, you will pay a transaction fee equal to the greater of $10 or 3% of  the amount you question even if your bill is correct.
 the amount of the convenience check.
 penalty.
 �	 Balance Transfer Fee:  For any balance transfer from another account, you 
 �	 You must pay at least the Total Minimum Payment for each billing period by  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 will pay a transaction fee equal to the greater of $10 or 3% of the amount 
 the Payment Due Date shown on your Statement.
 of the balance transfer.
 �	 The Minimum Payment is the total of the minimum payments for the Regu-
 �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
 lar Revolving and promotional Credit Plans plus any Past Due amounts.
 States or in a foreign currency, you will pay a transaction fee equal to 3% 
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account 
 of the U.S. dollar amount of the transaction.  If a charge or cash advance 
 balance is less than $25.00, you must pay the amount indicated on your 
 is converted into U.S. dollars our network providers (Visa, MasterCard, and  rev.	04/13
 Statement in full.                          No   No No No
 Discover) will select either (1) a rate from the range of rates available in  Yes Yes Yes
 �	 The minimum payment for each Credit Plan is calculated as follows: wholesale currency markets for the applicable central processing date, 
 o  The minimum payment for the Waive Interest, Payment Required and  which may vary from the rate the network provider itself receives, or (2) a 
                                       Can you limit   this sharing?
 Defer Interest, Payment Required Credit Plans will be the greater of: government-mandated rate in effect for the applicable central processing 
 (a) $5.00 or date.
 (b) 4% (rounded up to the nearest $1.00) of the New Balance 
 �	 Return Convenience Check Fee: For each convenience check written against 
 shown on your Statement for that Credit Plan.
 your Account which fails to clear and is returned unsatis?ed, you will pay a 
 o  The minimum payment for the Waive Interest, Equal Payment and 
 fee of up to $35. 
 Defer Interest, Equal Payment Credit Plans will be the amount of the 
 �	 Stop Payment Fee: For each convenience check written against your Ac-
 purchase divided by the number of months between the date of the 
 count on which you request us to stop payment, you will pay a fee of up to 
 purchase and the promotional period end date (minimum $5.00) 
 $35, regardless of whether we actually stop payment on the convenience  Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 rounded up to the nearest $1.00.        share?
 check.
 o  The minimum payment for the Low APR, Equal Payment Credit Plan 
 will be the amount of the purchase including the calculated interest  E. Other important information 
                                       Does Comenity 
 charges that will be assessed from the date of purchase through the  Collection costs
 end of the promotional period divided by the number of months be-
 To the extent not prohibited by applicable law, you agree to pay the reasonable 
 tween the date of the purchase and the promotional period end date 
 costs for collecting amounts due, including reasonable attorney�s fees and court 
 (minimum $5.00) rounded up to the nearest $1.00.
 costs incurred by us or another person or entity.
 o  The minimum payment for the Waive Interest, Low Payment and Defer 
 Interest, Low Payment Credit Plans will be the greater of: Changes
 (a) $5.00 or We may add, change, or delete the terms of your Account. If required by appli-
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  cable law, we will give you advance written notice of the change(s) and a right to 
 shown on your Statement for that Credit Plan. reject the change(s).
 Payment application Security Interest
 You grant us a security interest in all goods you purchase through the use of the 
 �	 We reserve the right to apply payments equal to or less than the Total Mini-
 Account, now or at any time in the future and in all accessions to and proceeds of 
 mum Payment however we see ?t, which may result in balances subject to 
 such goods. We waive any security interest we may have in your principal dwell-
 lower interest rates being paid prior to other balances. This may also result 
 ing, to the extent that it would otherwise secure any obligation arising hereunder.
 in higher interest charges.
 Changes to your information
 �	 Any payment you make in excess of the required Total Minimum Payment 
 will be allocated to your Account as required by applicable law. You agree to notify us immediately of any changes to your name, mailing address, 
 electronic mail address or telephone number(s).
 �	 Excess payments received before a deferred interest promotion expires are 
 applied to the deferred interest promotional balance ?rst in the last two  Governing Law
                        Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	
 THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW.    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.
 billing periods of the promotional period.
 D. Interest, fees and charges THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
 MITTED OR REQUIRED BY APPLICABLE LAW. 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.
 Interest charges                        information
 Transfer of Rights/Assignment
 �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
 transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal 
 transfer to avoid incurring a Finance Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
 convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time 
 check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent.
 vances, the date of the advance is the date you obtained the advance. No Waiver of Rights Reasons we can share your personal  
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest  We can delay enforcing our rights under this Agreement without losing them. FACTS Why? What?  How? sharing
 charges won�t be imposed in any billing period in which (i) no Previous Bal-
 Severability
 ance exists or (ii) payments received and credits issued by the Payment Due  To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
 Date, equal or exceed the Previous Balance. If any provision of this Agreement is in con?ict with applicable law, that provision 
 will be considered to be modi?ed to conform with applicable law. 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-xxxx; PO #0094014xxx; 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: 
  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER  any language in this Arbitration Provision to the contrary, no arbitration may be  � �
                                                                                       Your Grand Rental Station   Discover  Credit Card account             34485I019  (03/14)
  IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. administered, without the consent of all parties to the arbitration, by any Admin-
                                                                                       agreement.
                                            istrator that has in place a formal or informal policy that is inconsistent with the  Rate Information: The following chart provides details on your variable rate(s) as 
  B. Notice and cure
                                            Class Action Waiver.                       This card is issued by Comenity Capital Bank pursuant to a li- of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris-                                           rate.
                                            6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  cense from Discover Financial Services. Discover is a registered 
  ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
  the party asserting the Claim (the �Claimant�) shall give the other party (the  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  trademark of Discover Financial Services.  This Agreement cov-
  �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  ers the Terms and Conditions of your account with us. In this  Add to Index APR Daily Periodic Rate
  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN  document, you will ?nd important information about using and 
  shall be sent in writing to the address we have in our records (or any updated                                                 Tier 1 Purchase APR 21.74% 24.99% 0.06846%
                                            ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  managing your account, including a Privacy Statement and infor-
  address you subsequently provide to us).  Any Claim Notice to us shall be sent by 
                                            IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436              mation concerning your billing rights. Your use of the account, or  Tier 2 Purchase APR 16.74% 19.99% 0.05476%
  (or any updated address we subsequently provide).  Any Claim Notice you send  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- failure to close the account within the 30 days of receiving this  Tier 3 Purchase APR 10.74% 13.99% 0.03832%
  must provide your name, address and Account number.  Any Claim Notice must  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  document, indicates your acceptance of the terms of this agree-
  explain the nature of the Claim and the relief that is demanded.  You may only  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Balance Transfers and  22.74% 25.99% 0.07120%
                                                                                       ment, including the assessment of any interest charges and fees.
  submit a Claim Notice on your own behalf and not on behalf of any other party. 
                                            TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT                      Cash Advances
  No third party, other than a lawyer you have personally retained, may submit a       Section I of this Agreement also includes a Jury Trial Waiver and 
                                            AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
  Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid-      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 
  ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
                                                                                       �	 You have a right to reject this Arbitration Provision. billing period in which interest is due. For additional information, see Rates in 
  C. Arbitration provision                  DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
                                                                                       �	 If you do not reject this Arbitration Provision, it will be part  Section D.
  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
                                                                                         of this Agreement and will:
  THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
                                                                                         o  Eliminate your right to a trial by jury; and
  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- OR MULTIPLE-PARTY ARBITRATION.                                ments for Regular Revolving and Promotional Credit Plan purchases plus any 
                                                                                         o  Substantially affect your rights, including your right to  Past Due amounts. The total Minimum Payment Due on your account won�t be 
  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 
                                            must take place at a location reasonably convenient to you. We will pay any and  bring, join in or participate in class proceedings. less than $25.00. If your Account balance is less than $25.00, you must pay the 
  YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
                                            all fees of the Administrator and/or the arbitrator if applicable law requires us  Please read each section carefully and keep this document for  amount indicated on your Statement in full. The Minimum Payment Due for each 
  1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  to, if you prevail in the arbitration or if we must bear such fees in order for this  Regular Revolving and Cash Revolving Credit Plans will be: 
                                                                                       your records.
  prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  Arbitration Provision to be enforced. If you demand an arbitration, we will pay  �	 The greater of:
  to apply, you may reject it by mailing us a written rejection notice which gives the  your reasonable attorneys� and experts� fees if you prevail or if we must bear such  In the following sections, you will ?nd information on: o  1% of the New Balance, excluding any new Regular Revolving or Cash 
                                                                                                                                     Revolving Credit Plan Finance Charges shown on the Statement; or 
  name of each Cardholder and contains a statement that you (both of you, if more  fees in order for this Arbitration Provision to be enforced. Also, we will bear any  Financial terms of your account: An at-a-glance summary of the fees and charges 
                                            fees if applicable law requires us to.                                                 o  $5.00
  than one) reject the Arbitration Provision of this Agreement. The rejection notice   associated with your account
                                            9. Governing Law:  This Arbitration Provision involves interstate commerce and      �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
  must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio           A.  Getting started: the basics of your account
                                            is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and          Charges shown on the Statement rounded up to the nearest $1.00.
  43218-2422. A rejection notice is only effective if it is signed by you (all of you,  B.  Keeping your account in good standing: avoiding default, and what to do if 
                                            not by any state arbitration law. The arbitrator must apply applicable substantive  See Minimum Payment in Section C below for promotional credit plan minimum 
                                                                                         your card is lost or stolen, as applicable
  if more than one) and if we receive it within thirty (30) calendar days after the  law consistent with the FAA and applicable statutes of limitations and claims of  payment calculations. 
                                            privilege recognized at law. The arbitrator may award any remedy provided by the  C.  Learning more about your account: credit plans, and credit limits, and how 
  date we ?rst provide you with a credit card agreement or written notice providing                                             The APR information described below is accurate as of March 1, 2014.  Due to a 
  you a right to reject this Arbitration Provision. Your rejection of this Arbitration  substantive law that would apply if the action were pending in court (including,  payments are calculated and applied change in the index, this information may have changed.   To ?nd out more, call 
                                            without limitation, punitive damages, which shall be governed by the Constitu- D.  Interest, fees and charges: when and how fees and costs are applied to your  us at 1-855-786-8571  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
  Provision will not affect any other provision of this Agreement or your ability to 
                                            tional standards employed by the courts). At the timely request of either party,  account Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
  obtain credit.                            the arbitrator must provide a brief written explanation of the basis for the award. E.  Other important information: legal rights, costs, and how we�ll handle  site at comenity.net/grandrentaldiscover.
  2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  10. Right to Discovery:  In addition to the parties� rights to obtain discovery  changes to your account A. Getting Started
  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  pursuant to the arbitration rules of the Administrator, either party may submit  F.  Disputes and reporting to consumer reporting agencies: data we provide, 
  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the                                                 De?nitions
                                            a written request to the arbitrator to expand the scope of discovery normally al- and receive from, consumer reporting agencies, and what to do if you think 
  employees, of?cers and directors of such companies (the �Bank Parties�); and                                                  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
                                            lowable under the arbitration rules of the Administrator. The arbitrator shall have  there is an error on your periodic statement
  (b) any other person or company that provides any services in connection with                                                 and �Your� mean each person who submits an application or solicitation for an 
                                            discretion to grant or deny that request.  G.  Optional products: how to protect your account from fraud or theft, and 
  this Agreement if you assert a Claim against such other person or company at the                                              Account with us. �Account� means your credit card account with us. �Card� 
                                            11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  information on services that can help pay your debt in case of emergencies
  same time you assert a Claim against any Bank Party.                                                                          means each credit card we issue for your Account, as applicable. �Credit Plan� 
                                            award may be entered by any court having jurisdiction. The arbitrator�s decision  H.  Communicating with us: what happens when you contact us means one or more payment program options Grand Rental Station may ask us 
  3. Covered Claims:  �Claim� means any claim, dispute or controversy between  is ?nal and binding, except for any right of appeal provided by the FAA. However, 
  you and us that in any way arises from or relates to this Agreement, the Account,    I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  to offer from time to time.
                                            if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
  the issuance of any Card, any rewards program, any prior agreement or account.         a jury trial waiver and Arbitration provision Upholding your Agreement
                                            or declaratory relief that could foreseeably involve a cost or bene?t to either party 
  �Claim� includes disputes arising from actions or omissions prior to the date  exceeding $50,000, any party can, within 30 days after the entry of the award  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 
  any Card was issued to you, including the advertising related to, application for  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  tion; and the privacy choices you can make required of you. If you sign or submit an application or solicitation to obtain 
  or approval of the Account. �Claim� has the broadest possible meaning, and  Administrator. The panel shall reconsider anew any aspect of the initial award  Financial terms of your account credit from us, you�ll be legally bound by this Agreement. You�re also legally 
  includes initial claims, counterclaims, cross-claims and third-party claims. It  requested by the appealing party. The decision of the panel shall be by majority  bound if you sign a charge slip, or permit someone else to use the credit 
  includes disputes based upon contract, tort, consumer rights, fraud and other  vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  Interest Rates and Interest Charges provided.
  intentional torts, constitution, statute, regulation, ordinance, common law and  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  �	 You agree that the credit extended under your Account will be used only for 
  equity (including any claim for injunctive or declaratory relief). �Claim� does not  an appeal will be borne in accordance with Paragraph C.8. above. personal, family or household purposes and not for business or commercial 
  include disputes about the validity, enforceability, coverage or scope of this Arbi-                  24.99%, 19.99%, 
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-      purpose.
  tration Provision or any part thereof (including, without limitation, the prohibition 
                                            ment of all amounts owed under this Agreement, the closing of the Account, any      �	 If the Account is a joint Account, you and the joint Account holder will 
  against class proceedings, private attorney general proceedings and/or multiple 
                                            legal proceeding and any bankruptcy to the extent consistent with applicable  or 13.99%  when you  be bound by this Agreement. Each of you will be jointly and individually 
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
                                            bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- open your account, based on  responsible for repaying all amounts due.  If more than one person is re-
  last sentence of Paragraph C.13 and/or this sentence); all such disputes are for 
                                            tion Provision, on the one hand, and the applicable arbitration rules or the other  World Financial Capital Bank is a Comenity SM company. Annual Percentage Rate  sponsible for this Account, we will only provide billing statements and com-
  a court and not an arbitrator to decide. However, any dispute or argument that                        your creditworthiness.
                                            provisions of this Agreement, on the other hand, this Arbitration Provision shall  Salt Lake City, UT (APR) for Purchases munications to one of you.
  concerns the validity or enforceability of the Agreement as a whole is for the 
                                            govern.  This Arbitration Provision replaces any Prior Arbitration Agreement.
  arbitrator, not a court, to decide.                                                                                           �	 Any authorized user of your Account will be bound by the terms of this 
                                            13. Severability:  If any portion of this Arbitration Provision, other than the Class  After that, this APR will vary with 
                                                                                                                                   Agreement. One additional Card may be issued with the individual name of 
  4. Starting an Arbitration:  Arbitration may be elected by any party with respect 
                                            Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  the market based on the Prime  an authorized user embossed on the Card. If you want to revoke the use of 
  to any Claim, even if that party has already initiated a lawsuit with respect to a 
                                            nevertheless remain in force. If a determination is made that the Class Action  Rate.  your Account by an authorized user, either write us at the address, or call us 
  different Claim. Arbitration is started by giving a written demand for arbitration 
                                            Waiver is unenforceable, only this sentence of the Arbitration Agreement will re-      at the phone number, shown on your Statement.
  to the other party. We will not demand to arbitrate an individual Claim that you 
                                            main in force and the remaining provisions shall be null and void, provided that 
  bring against us in small claims court or your state�s equivalent court, if any. But  World Financial Capital Bank is a       �	 You agree to pay for all transactions made on your Account by an authorized 
                                            the determination concerning the Class Action Waiver shall be subject to appeal.
  if that Claim is transferred, removed or appealed to a different court, we then  Comenity SM company. 25.99%                     user, whether or not such transactions were authorized by you or made for 
  have the right to demand arbitration.     14. Special Payment:  If (1) you submit a Claim Notice in accordance with  APR for Balance Transfers  This APR will vary with the  your bene?t.
                                                       Salt Lake City, UT
                                            Paragraph B above on your own behalf (and not on behalf of any other party); 
  5. Choosing the Administrator:  �Administrator� means the American Arbitration       and Cash Advances market based on the Prime Rate. Card signature (as applicable)
                                            (2) we refuse to provide you with the relief you request; and (3) an arbitrator 
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www.                                                      For your own protection, please sign your Card before using it. Keep in mind that 
                                            subsequently determines that you were entitled to such relief (or greater relief), 
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.                                                        your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
                                            the arbitrator shall award you at least $5,100 (plus any fees and costs to which 
  jamsadr.com; or any other company selected by mutual agreement of the par-                                                    incurred on your Account.
                                            you are entitled).                                          Your due date is at least 23 days 
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable 
                                                                                                        after the close of each billing  Using your Account
  to select an Administrator by mutual consent, the Administrator will be selected 
  by a court. The arbitrator will be appointed by the Administrator in accordance                       cycle. We will not charge you  �	 Your Account may be used to make purchases from anywhere Discover is 
                                                                                                                                   accepted.
  with the rules of the Administrator. However, the arbitrator must be a retired or  Comenity Capital Bank, Salt Lake City, UT interest on purchases if you pay 
  former judge or a lawyer with at least 10 years of experience. You get to select the                                          �	 We reserve the right to not honor transactions related to, including, but not 
                                                                                       Paying Interest  your entire balance by the due 
  Administrator if you give us written notice of your selection with your notice that                                              limited to, gambling, ATM usage at casinos, and illegal activities.
                                                                          277ALLC083013                 date each month.   We will begin 
  you are electing to arbitrate any Claim or within 20 days after we give you notice                                            �	 You may obtain a loan from us under your Account by using your Card or 
                                                                         34485I019 (03/14)
  that we are electing to arbitrate any Claim (or, if you dispute our right to require                  charging interest on balance  a convenience check as follows: by purchasing goods or services with your 
  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).                      transfers and cash advances on  Card or your Account number; by obtaining a cash advance from a ?nancial 
  If you do not select the Administrator on time, we may do it. Notwithstanding                         the transaction date.      institution, by use of an ATM; by using a convenience check; or, by incurring 
                                                                                                                                   charges authorized by this Agreement.
                                                                                       Minimum Interest Charge If you are charged interest,  �	 From time to time, in our sole discretion, we may send you convenience 
                                                                                                        the charge will be no less than  checks for use in borrowing under this Agreement. All convenience checks 
 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;   *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
                                                                                                                                   you use will be treated as cash advances under this Agreement, and subject 
   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 $2.00 per credit plan
                                                                                                                                   to the terms and fees that apply to cash advances, unless we advise you 
                                                                                                                                   otherwise.
                                                                                                        To learn more about factors 
                                                                                                                                �	 You agree that convenience checks that you use will not be returned to you.
                                                                                                        to consider when applying for 
                                                                                                                                �	 You may not use the convenience checks to make payments on any Co-
                                                                                       For Credit Card Tips from  or using a credit card, visit 
                                                                                                                                   menity Capital Bank Account.
                                                                                       the Consumer Financial  the website of the Consumer 
                                                                                                                                �	 You agree not to use a convenience check, and we do not have to pay any 
                                                                                       Protection Bureau Financial Protection Bureau at  convenience check:
                                                                                                        http://www.consumer?nance.gov/ o  if you are in default under this Agreement;
                                                                                                        learnmore.                 o  if payment of that convenience check would cause your outstanding 
                                                                                                                                     cash advance balance to exceed your cash advance limit; or
                                                                                                                                   o  if we cancel or suspend your right to use convenience checks
                                                                                       Fees
                    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,  �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                                                                   transfer account balances from other credit card accounts you may have 
                                                                                       �	   Annual	Fee    None
                                                                                                                                   to the Account. We may, in our sole discretion, offer promotional plans for 
                                                                                                                                   such balance transfers.
                                                                                       Transaction Fees
                                                                                                                                �	 You may use the Card to obtain cash advances through certain ATMs. You 
                                                                                                                                   will be given a Personal Identi?cation Number (PIN) which must be used in 
                                                                                       �	   Balance	Transfer The greater of $10 or 3% of  order to obtain an ATM cash advance.
                                                                                                          the amount of the balance  o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                                          transfer.                  tions on dollar amount, number, or currency denominations.
                                                                                                                                   o  You agree that any charges imposed by third parties for use of their 
                                                                                       �	   Cash	Advance  The greater of $10 or 3% 
                                                                                                                                     ATM facilities will be added to your Account balance as a cash ad-
                                                                                                          of the amount of the cash  vance.
                                                                                                          advance.              �	 If you make a purchase or obtain a cash advance in a foreign currency, it 
                                                                                       �	   Convenience	Checks The greater of $10 or 3% of  will be converted by Discover into U.S. dollars in accordance with Discover 
                                                                                                          the amount of the convenience  Operating Regulations in effect at the time the transaction is processed.
                                                                                                                                   o  The currency conversion rate in effect on the processing date may dif-
                                                                                                          check.
                                                                                                                                     fer from the rate in effect on the transaction date or the posting date.
                                                                                       �	   Foreign	Transaction 3% of each transaction in U.S.  o  The currency conversion rate used may be the same as, greater than, or 
                                                                                                          dollars.                   less than the amount that would be calculated by conversion through 
                                                                                                                                     a ?nancial institution in the country in which the purchase or cash 
                                                                                       Penalty Fees                                  advance occurred.
                                                                                       �	   Late	Payment  Up to $35.00          Making payments
                                                                                       �	   Returned	Payment Up to $35.00       �	 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 
                                                                                       How We Will Calculate Your Balance: We use a method called  speci?ed for payments. Please don�t send cash.
                                                                                       �daily balance.� See your Account agreement for more details. �	 Be sure to include your payment stub, do not staple your payment to the 
                                                                                                                                   stub, use the envelope provided with your Statement and don�t send any 
                                                                                                                                   correspondence with your payment.
                                                                                       Billing Rights: Information on your rights to dispute  �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                       transactions and how to exercise those rights is provided in your  your Account for up to ?ve days, or may be rejected.
                                                                                       account agreement.                       �	 All written communications concerning disputed amounts, including any 
                                                                                                                                   check or other payment instrument marked with �payment in full� or similar 
                                                                                       Comenity Capital Bank 1-855-786-8571  (TDD/TTY 1-888-819-1918) language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                                                                                                                   Antonio, Texas 78247-5004.
                                                                                       New York Residents: New York Residents may contact the New York state Depart-
                                                                                                                                   o  We may accept a payment sent to any other address without losing any 
                                                                                       ment of Financial Services by telephone or visit its website for free information 
                                                                                                                                     of our rights.
                                                                                       on comparative credit card rates, fees, and grace periods. New York Department 
                                                                                                                                   o  No payment shall operate as an accord and satisfaction without our 
                                                                                       of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                                                                                                                     prior written approval.
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 10.74%, 16.74% or 21.74% 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 22.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date each 
                          month. We will begin charging interest on cash advances and balance transfers on the 
                          transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $10 or 3% of the amount of the cash advance. 
      �  Convenience Check  The greater of $10 or 3% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method