Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases  

Penalty APR and 
When it Applies  

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

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

How to Avoid 
Paying Interest on 
Purchases  

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

Minimum Interest 
Charge  

For Credit Card 
Tips from the 
Federal Reserve 
Board  

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

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

Fees  

Set up and 
Maintenance Fees  

•  Annual Fee   None 

Penalty Fees  

•  Late Payment   Up to $35  

•  Returned 
Payment  

Up to $25  

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance 
(including new purchases)." 
CHANGES. We may add, change or delete the terms of your Account and the corresponding Credit Card 
Agreement (including, but not limited to, Annual Percentage Rate and other significant changes). If notice 
is required, it will be mailed to you at least forty-five (45) days prior to the effective date of the change. 
Notice may also include a statement of your right to cancel the account prior to the effective date of the 
change. 
The information about the costs of the credit card account described in this application is accurate as of 
December  21,  2011.  This  information  may  have  changed  after  that  date.  To  find  out  what  may  have 
changed  and  for  the  current  APR,  please  write  to  World  Financial  Capital  Bank  (WFCB),  PO  Box 

 
  
  
 
AN 

OPENING 

INFORMATION 

183003, Columbus, OH 43218-3003, see the cardmailer with your new credit card (if approved) or visit 
our  website  at  comenity.net/smilegeneration.  You  agree that  a  credit report  may  be  used  in  making  the 
credit granting decision. 
You agree that a credit report may be used in making the credit granting decision. 
IMPORTANT 
ACCOUNT 
ABOUT 
To  help  the  government  fight  the  funding  of  terrorism  and  money  laundering  activities,  Federal  law 
requires all financial institutions to obtain, verify and record information that identifies each person who 
opens  an  account.  What  this  means  for  you:  When  you  open  an  account,  we  will  ask  for  your  name, 
address, date of birth or other information that will allow us to identify you. We may also ask to see your 
driver's license or other identifying documents. 
The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual  upon  request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this  law. 
California Residents: If you are married, you may apply for a separate account. New York Residents: A 
consumer  credit  report  may  be  ordered  in  connection  with  the  processing  of  an  application,  or 
subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of 
whether  or  not  a  consumer  credit  report  was  ordered,  and  if  it  was,  you  will  be  given  the  name  and 
address  of  the  consumer-reporting  agency  that  furnished  the  report.  Rhode  Island  and  Vermont 
Residents: A consumer credit report may be ordered in connection with the processing of an application, 
or  subsequently  for  purposes  of  review  or  collection  of  the  account,  increasing  the  credit  line  on  the 
account, or other legitimate purposes associated with the account. Wisconsin Residents: No provision of 
any  marital  property  agreement,  unilateral  statement  under  Section  766.59  of  the  Wisconsin  statutes  or 
court  order  under  Section 766.70  adversely  affects  the  interest  of  the  creditor, World  Financial  Capital 
Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement 
or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.  
Customers  Receiving  Preapproved  Credit  Offers:  You  may  have  been  selected  for  a  pre-approved 
credit card account offer from World Financial Capital Bank ("Bank") based upon the information in your 
credit report which satisfied the Bank’s criteria for creditworthiness. You must respond by the expiration 
date of the offer. Credit may not be extended if after you respond, (i) we find that you do not meet the 
criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to create a 
valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) 
we receive your response to this offer after such offer has expired.  

You can choose to stop receiving "prescreened" offers of credit from this and other 
companies by calling toll-free 1-888-567-8688.  See PRESCREEN & OPT-OUT 
NOTICE below for more information about prescreened offers.  

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

Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition 
on use of your credit report information by notifying the above agencies. 
I  am  applying  to  World  Financial  Capital  Bank  (WFCB)  for,  and  hereby  request,  a  Smile  Generation 
Financial  credit  card  account  for  personal,  family  or  household  use.  I  hereby  authorize  WFCB  to 
investigate my credit record. The information that I have supplied is true and correct. I acknowledge that I 
am a permanent resident of the United States. I agree that a credit report may be obtained for any lawful 
purpose, including in connection with the processing of an application, or subsequently with the update, 
renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit 

 
 
report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency 
that furnished the report. I agree to be bound by the terms of the Credit Card Agreement. I acknowledge 
that I will receive a Credit Card Agreement upon approval. I also acknowledge that there is no agreement 
between  WFCB  and  me  until  WFCB  approves  my  credit  application  and  accepts  the  Credit  Card 
Agreement at its office in Utah and that the Credit Card Agreement is deemed to be made in Utah. Cards 
are issued and credit is extended by WFCB, Salt Lake City, Utah.  
PLEASE NOTE: 
BY  SUBMITTING  THIS  CREDIT  APPLICATION,  YOU  ARE  AGREEING  TO  THE 
FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU. 
You  hereby  authorize  World  Financial  Capital  Bank  ("us"  or  "we")  to  furnish  our  decision  to  issue  an 
account to you to Smile Generation Financial. You hereby authorize us to furnish, if your application is 
approved, information  concerning  your  account  to  credit  bureaus,  other  creditors  and  Smile  Generation 
Financial.  
Check  your  information  before  submitting.  We  cannot  process  any  submission without  a  complete  and 
accurate name, address, date of birth and social security number. By submitting this Application you are 
acknowledging having read and understood the Important Rate, Fee and Other Cost Information and, if 
approved, agreeing to be bound by them.  

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

This is your Agreement with World Financial Capital Bank for customers of Smile Generation 
Financial through participating Smile Generation Financial Providers. It covers the use of your 
credit card account with us. This Agreement may include information about promotional Credit 
Plans. Any information about such Plans will be included in the form of an insert, attachment, or 
other written information provided as part of or with this Agreement. Please read this Agreement 
and keep it for your records. 
1. Definitions. In this Agreement, "We," "Us," and "Our" mean World Financial Capital Bank. "You" and 
"Your" mean each person who signs an application for, or otherwise requests, a credit card account with 
us. "Account" means your credit card account with us. "Card" means each credit card we issue to you for 
your Account. "Credit Plan" means one or more payment program options that Smile Generation 
Financial may ask us to offer from time to time. You agree that at any time for any reason we may reissue 
a Card to you and/or may ask you to return any or all Cards.  
2. Your Promise to Us. 
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of 
you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if 
you sign a charge slip, or if you use or permit someone else to use the credit provided.  
Further you understand and agree that:  

•  Bank's relationship with you is solely one of Account Provider/Accountholder;  
•  Bank is not liable for any negligence or other acts of any Provider of medical goods or services 

contemplated under this Account;  

•  Bank is not liable for the quality of any good or service purchased using the Account;  
•  Bank is not affiliated with any provider of medical goods or services;  
•  Bank does not endorse any provider, good or service;  
•  Bank does not provide, nor does its extension of credit constitute, medical or other type of advice 

or counsel.  

B. If the Account is a joint Account, you and the joint Account holder each will be bound by this 
Agreement and each of you will be jointly and individually responsible for repaying all amounts due 
under this Agreement.  
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this 
Agreement. If you want to cancel the authorized or permitted use of your Account by another person, you 
may either write us at the address or call us at the telephone number shown on your Statement. You must 
obtain, cut in half and return the Card in such authorized users possession to us. You understand and 

agree that we will be unable to determine whether any particular transaction on your Account has been 
conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized 
user was indeed authorized by you or made for your benefit. You agree to pay for all transactions made 
on your Account by an authorized user whether or not such transactions were in fact duly authorized by 
you or made for your benefit. 
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to 
be immediately due and payable, prohibit further transactions on your Account, cancel the Cards, and 
revoke any privileges associated with the Card or your Account.  
3. Sign the Card. For your own protection, please sign the Card before using it. Your signature on the 
Card is not a prerequisite to your obligation to pay amounts incurred on your Account. 
4. Method of Payment. You may pay your Account by sending your personal check, payable in U.S. 
dollars, to the name and address shown on your Statement. Payments are considered received when 
posted to your Account in the state in which the WFCB main office is located. You must include your 
payment stub. Do not send cash. If any payment does not conform to these requirements, the payment 
may not be credited to your Account for up to five days, or may be rejected. Any check marked "payment 
in full" or with similar terms must be sent to a separate address specified on your Statement. We can 
accept such checks or late or partial payments without losing our right to receive the full amount owing 
on your Account.  
5. Lost or Stolen Card. If a Card is lost or stolen, you must tell us at once. You must also tell us at once 
if you think someone used a Card without your permission. You may either write us a letter or call us at 
the address and phone number shown on your Statement. Until you do, you may have to pay (up to 
$50.00) for purchases made by anyone who used the Card without your permission. 
6. Credit Plans. 
Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans. 
We may offer different promotional Credit Plans from time to time. If a promotional Credit Plan is 
offered at the time you open your account, this Agreement will include information about the terms for 
the Plan (which may include the Daily Periodic Rate, the ANNUAL PERCENTAGE RATE, and/or the 
minimum payment amount), by use of an insert, attachment, or other written information provided as part 
of or with this Agreement. Normal late payment charges, returned check charges and all other provisions 
apply to any promotional Credit Plan unless inconsistent with a particular Credit Plan offering. The 
promotional Credit Plan period will end and the promotional Credit Plan balance will be transferred to 
your non-promotional Regular Revolving balance if the promotional Credit Plan purchase is not paid in 
full before the promotional period ends.  
The types of Credit Plans offered and the particular features (including but not limited to minimum 
purchase requirements, Minimum Payment, etc.) of such Credit Plans may vary from time to time at our 
discretion and may include one or more of the following: Regular Revolving or Promotional Credit Plans. 
The Regular Revolving Credit Plans are your non-promotional purchases using the Card. The 
Promotional Credit Plans may include: Waive Interest, Payment Required; Waive Interest, Equal 
Payment; Waive Interest, Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment 
Required; Defer Interest, Low Payment Budget Pay. (Please see section 14 for explanation for how 
Finance Charges are calculated for each Plan.) 
7. Skip-Payment Option. At our sole option, we may allow you to skip making the Minimum Payment 
on certain Billing Periods. During the skip-payment period Finance Charges will be assessed but no late 
fee will be imposed. At the end of the skip-payment period, all terms of this Agreement that would have 
applied, were it not for the skip-payment feature, will automatically resume without notice.  
8. Credit Limit. Your Credit Limit is the total maximum amount we allow you to owe us at any time. 
You may not exceed any credit limit that we set for your Account. If you do use the Account for more 
than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges 
without giving up any of our rights under this Agreement. We may change your Credit Limit at any time.  
9. How to Cancel Your Account. You may cancel your Account at any time. Cut each Card in half and 
send us the pieces with a letter telling us you want to cancel your Account. This includes each Card you 
gave to others. You still must pay the full amount you owe us. 

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

that ends, we will add the remaining amount of the plan to your Regular Revolving balance and will begin 
to charge Finance Charges.  
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment or Defer 
Interest, Low Payment Credit Plan, we will add the amount of Finance Charges that have accrued from 
the date of purchase through and including the last day of the promotional period to your Regular 
Revolving balance if you do not pay the total amount of the purchase before the end of the promotional 
period. For any Defer Interest Plan that ends, we will add the remaining amount of the plan and the 
amount of Finance Charges that have accrued from the date of purchase through and including the last 
day of the promotional period to your Regular Revolving balance. 
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, 
we use a "Daily Balance" to figure Finance Charges on your Account. This is how we figure the "Daily 
Balance" each day: 
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and 
fees). 
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments 
posted as of that day. This gives us the "Partial Daily Balance" for the day. 
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to 
obtain the "Daily Finance Charge" for the day and add it to the day's Partial Daily Balance. This gives us 
the "Daily Balance", which will be the beginning balance for the following day. 
At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge for each day 
in the Billing Period to get the total Account Finance Charge for the Billing Period.  
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for 
each day in the Billing Period divided by the number of days in the Billing Period.  
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by 
adding 19.73% to the value of an "Index," and dividing by 365 (The corresponding ANNUAL 
PERCENTAGE RATE will be the Index plus 19.73%). The Index in effect for each Billing Period shall 
be the highest "Prime Rate" of interest as published in the "Money Rates" section of The Wall Street 
Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward, 
if necessary, to the nearest .001% ("Index"). The corresponding ANNUAL PERCENTAGE RATE will 
not increase above 28.99%. An increase or decrease in the Annual Percentage Rate will result in a 
corresponding increase or decrease in the amount of Finance Charge and may increase the amount of your 
minimum payment due. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account for 
Budget Pay Credit Plan purchases is 0.04928% (corresponding ANNUAL PERCENTAGE RATE is 
17.99%).  
E. We will charge you a minimum FINANCE CHARGE of $1.00 per credit plan for any Billing Period 
in which a Finance Charge is due. 
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If 
this Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of 
FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE are indicated on the 
Cardmailer and are incorporated herein by reference. As of December 21, 2011, the initial Daily Periodic 
Rate of FINANCE CHARGE, was 0.06295% and the corresponding initial ANNUAL PERCENTAGE 
RATE was 22.98%. This information may have changed after that date. To find out about changes in the 
information, call us at 1-877-287-8879 (TDD/TTY 1-888-819-1918) or write us at World Financial 
Capital Bank, PO Box 183003 Columbus OH 43218-3003.  
G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 
11) by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we may 
apply a penalty Annual Percentage Rate ("Penalty Rate") to the existing balance of your Account and to 
all new purchases. We will provide you notice of this rate increase, when it will apply to your account, 
and for how long it will apply to your account, as required by applicable law. The Daily Periodic Rate of 
FINANCE CHARGE for the Penalty Rate is 0.07942% (corresponding ANNUAL PERCENTAGE 
RATE is 28.99%). The Penalty Rate will apply to your Account until such time as any delinquency is 
cured and your account is kept in a current and satisfactory status for six (6) consecutive billing periods. 

On the seventh billing period the Penalty Rate will no longer apply and your Account will be subject to 
the Daily Periodic Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE as 
described above in Section 14.D. If you fail to make your required minimum monthly payments during 
the Penalty period, the Penalty Rate will continue to apply. Your monthly statement will disclose the 
applicable Penalty Rate for the Billing Period and are incorporated herein by reference.  
15. Other Fees and Charges. 
You agree to pay the following fees and charges:  
A. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least 
the Minimum Payment Due for each Billing Period or if we receive your payment after the Payment Due 
Date shown on your Billing Statement. 
B. Returned Check Fee. We can charge you up to $25.00 for each check your bank returns to us for any 
reason. Although we may, we do not have to attempt to collect any check more than once. 
C. Document Fee. If a copy of any Statement, charge slip or similar document is provided by us at your 
request (except in connection with billing error inquiries or resolution), we can charge you and post to 
your Account the following fee(s): 
•  Statement copy - $6.00  
•  Charge slip copy - $6.00  
•  Check/Money Order copy - $6.00 

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow 
you to make individual payments to your Account over the telephone or through the internet. If you 
choose to use one of those payment methods, then we may assess the then current fee that we charge for 
this service. At present, that fee is up to $15 for each payment made via telephone, but it may change. We 
will disclose the current fee to you (you may withdraw your request if you do not want to pay the fee) 
before you authorize any payment(s) through either of these alternative methods. 
16. Immediate Payment. We may tell you to pay the full amount you owe at once if you do not pay at 
least the Minimum Payment each time you receive a Statement. We will tell you in advance and/or give 
you an opportunity to cure your default only if applicable law requires us to do so.  
17. Attorney Fees and Collection Costs. As permitted under applicable law, you agree to pay the 
reasonable costs for collecting amounts due, including reasonable attorney’s fees and court costs by us or 
by another person or entity.  
18. Changes. We may add, change or delete the terms of your Account (including, but not limited to, 
Annual Percentage Rate and other significant changes). If notice is required, it will be mailed to you at 
least forty-five (45) days prior to the effective date of the change. Notice may also include a statement of 
your right to cancel the account prior to the effective date of the change.  
19. Security Interest. You grant us a security interest in all goods that you purchase through the use of 
the Account now or at any time in the future and in all accessions to and proceeds of such goods. We 
hereby waive any security interest we may have in your principal dwelling to the extent that it would 
otherwise secure any obligation arising hereunder.  
20. Governing Law. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL 
LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED 
OR REQUIRED BY APPLICABLE LAW.  
21. Transfer of Rights/Assignment. Your rights under this Agreement cannot be transferred by you, by 
operation of law, or otherwise, but your obligations shall be binding upon your estate or personal 
representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights 
under this Agreement, to another person or entity at any time without prior notice to you or your consent.  
22. No Waiver of Rights. We can delay enforcing our rights under this Agreement without losing them.  
23. Severability. If any provision of this Agreement is in conflict with applicable law, that provision will 
be considered to be modified to conform with applicable law.  
24. Credit Reports. You hereby authorize us to investigate your credit record. You agree that a credit 
report may be requested in connection with the processing of an application for credit, and subsequently 
in connection with any extension of credit, or any request to increase your credit limit, or any renewal or 
update of your Account, or to take collection action on the Account, or to investigate disputes regarding 

the Account. If you ask, we will tell you if credit reports were requested, and the name and address of any 
credit bureaus that provided the reports. You understand that we may report negative information about 
your account to the credit bureaus. Late payments, missed payments, or other defaults on your account 
may be reflected in your credit report. You hereby authorize us to furnish information concerning your 
Account to credit bureaus and other creditors, as well as to the retailer whose name appears on your Card. 
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting 
agency is inaccurate, you may write to us at the address provided on the credit report from the consumer 
reporting agency. Your written dispute must provide sufficient information to locate the account and why 
you believe the information is inaccurate. If available, provide a copy of the section of the credit report 
showing the account information you are disputing.  
25. Credit Insurance (as applicable). Credit insurance is not required. If you have been accepted for 
credit insurance coverage, the premium charge will be added to your Account as a purchase on the last 
day of each Billing Period. 
26. Debt Cancellation (as applicable). Your Purchase of Account Assure is optional. Whether or not 
you purchase Account Assure will not affect your application for credit or the terms of any existing credit 
agreement you have with World Financial Capital Bank. The monthly fee for Account Assure is based on 
the outstanding monthly balance on your account each month and will be added to your account 
statement. We will give you additional information before you are required to pay for Account Assure. 
This information will include a copy of the contract containing the terms and conditions governing 
Account Assure. There are eligibility requirements, conditions, and exclusions that could prevent you 
from receiving benefits under Account Assure. You should carefully read the contract for a full 
explanation of the terms of Account Assure. 
27. Communication Regarding Account. Until your account is finally settled, you give direct consent to 
receive communications regarding your account to us, any servicers and any collectors of your account, 
through various means such as 1) any cell, landline, or text number that you provide, 2) any email address 
that you provide, 3) auto dialer systems, 4) recorded messages, and other forms of communications. 
Further, you agree that any such communications are not unsolicited for purposes of any state or federal 
law.  
28. Telephone Monitoring. As part of our continuing effort to maintain a high quality of service to our 
customers, telephone communications with you may be monitored and recorded. You agree that 
monitoring and/or recording may be done and that no additional notice to you or additional approval from 
you is needed. Please inform all persons authorized to use this account, those acting on your behalf, or 
anyone making payments on this account, of this provision.  
29. Customer Changes. You must tell us at once if you change your name, address or employment.  
30. Arbitration Of Disputes. In the event of any past, present or future claim or dispute (whether based 
upon contract, tort, statute, common law or equity) between you and us arising from or relating to your 
Card, your application or registration, the relationship that results or the enforceability or scope of this 
arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the 
claim or dispute by binding arbitration. 
IF EITHER OF YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE 
RIGHT TO LITIGATE THAT CLAIM IN A COURT OR TO HAVE A JURY TRIAL ON THAT 
CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE 
LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS 
IN ARBITRATION BY OR AGAINST OTHER CARDHOLDERS WITH RESPECT TO OTHER 
CARDS, OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS 
OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Even if all parties have opted to litigate a 
claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new 
claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of any rights 
under this arbitration provision. 
We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's 
equivalent court, if any, so long as the claim is pending only in that court and does not exceed $5,000. 

Your Card involves interstate commerce, and this provision shall be governed by the Federal Arbitration 
Act ("FAA"). The arbitration shall be conducted through, at the option of whoever files the arbitration 
claim, either Judicial Arbitration and Mediation Services, Inc. ("JAMS") or the National Arbitration 
Forum ("NAF") in accordance with their procedures in effect when the claim is filed. For a copy of their 
procedures, to file a claim or for other information contact JAMS at www.jamsadr.com, toll-free at 1-800-
352-5267 or NAF at www.arb-forum.com, toll-free at 1-800-474-2371. At your written request, we will 
advance any arbitration filing, administrative and hearing fees which you would be required to pay to 
pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to 
World Financial Capital Bank, 3100 Easton Square Place, Columbus, Ohio 43219, Attention: General 
Counsel. The arbitrator will decide who will ultimately be responsible for paying those fees. In no event 
will you be required to reimburse us for any arbitration filing, administrative or hearing fees in an amount 
greater than what your and our combined court costs would have been if the claim had been resolved in a 
state court with jurisdiction. 
Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall 
follow applicable substantive law to the extent consistent with the FAA and applicable statues of 
limitations and shall honor claims of privilege recognized at law. If requested by any party, the arbitrator 
shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and 
binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 
$100,000.00 any party may appeal the award within thirty (30) days to a three-arbitrator panel which shall 
review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of 
the outcome. Judgment upon any award by the arbitrator may be enforced in any court having 
jurisdiction. 
Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding 
upon our parent corporations, subsidiaries, affiliates (including, without limitation, Alliance Data Systems 
Corporation), predecessors, successors, assigns, as well as the officers, directors, and employees of each 
of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or 
with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and 
obligations under this arbitration shall inure to the benefit of and be binding upon all persons 
contractually liable under this Agreement and all Authorized Users of the Card. This arbitration provision 
shall survive termination of your Card, as well as voluntary payment in full by you, any legal proceedings 
by us to collect a debt owed by you, any bankruptcy by you and any sale by use of your Card. 
31. Customer Service. For customer service, you can call toll-free: 1-877-287-8879 (TDD/TTY 1-888-
819-1918). 
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the 
following: participating Smile Generation Financial providers and such other retailers as we may 
determine from time to time by notifying you via electronic mail, statement message, posting on a website 
or such other method as we may determine. We reserve the right not to honor particular transactions, 
which may include, without limitation, transactions related to gambling, ATM usage at casinos (if 
applicable through this program), and illegal activities. 
Notice(s): 
For Wisconsin Residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-877-287-8879 
(TDD/TTY 1-888-819-1918) and provide us with the name and address of your spouse. We are required 
to inform your spouse that we have opened a credit account for you. 
For Bankruptcy Notifications: 
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: 
WFCB, Bankruptcy Department, PO Box 183043 Columbus, OH 43218-3043  
******************************************** 
YOUR BILLING RIGHTS; KEEP THIS NOTICE FOR FUTURE USE 
This notice contains important information about your rights and our responsibilities under the Fair Credit 
Billing Act.  

Notify Us In Case of Errors or Questions About Your Bill. 
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your 
bill, write us on a separate sheet at World Financial Capital Bank, PO Box 182620, Columbus, OH 
43218-2620. Write to us as soon as possible. We must hear from you no later than 60 days after we sent 
you the first bill on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 
In your letter, give us the following information:  

•  Your name and Account Number.  
•  The dollar amount of the suspected error.  
•  Describe the error and explain, if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

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

CCA - SGF - (11/11)