IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS
Prior to applying for a Gulf Credit Union Credit Card Account, Comenity Capital Bank requests your consent to provide you important information
electronically. 

You understand and agree that Comenity Capital Bank may provide you with all required application disclosures
regarding your Gulf Credit Union Credit Card Account application in electronic form. These disclosures include, but are
not limited to, credit card account Terms and Conditions, the Credit Card Account Agreement and Customer Privacy
Statement.
At your request, we will provide you with paper copies of these disclosures.
In order to receive electronic communications and to obtain the best view of these communications you will need access
to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download
and print these disclosures, and Adobe Reader to view PDF files. You may download it for free from Adobe. By selecting
the "Submit" button, you confirm that your system meets these requirements and that you have the capability to access
and download or print electronic disclosures.
If you are browsing this site for informational purposes, you waive any liability for any damages you may incur for relying
on the information contained in this site.
We recommend that you retain a copy of these disclosures for your records.

If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.

Financial terms of your account

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases and
Balance Transfers

13.99% to 19.99% when you open your account, based on your
creditworthiness.

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

APR for Cash Advances 23.99%

Paying Interest

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

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

Your due date is at least 25 days after the close of each billing cycle. We will
not charge you interest on purchases if you pay your entire balance by the due
date each month. We will begin charging interest on balance transfers and cash
advances on the transaction date.

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 Consumer Financial Protection Bureau
at 
http://www.consumerfinance.gov/learnmore.

Annual Fee

None

Transaction Fees

Balance Transfer 

Cash Advance 

Foreign Exchange

Penalty Fees

The greater of $10 or 3% of the amount of the balance transfer; no maximum
balance transfer fee amount 

The greater of $10 or 4% of the amount of the cash advance; no maximum
cash advance fee amount 

3% of each transaction in U.S. dollars.

Late Payment
Returned Payment

Up to $35 
Up to $35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your
account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account
agreement.

New York Residents: Cardholder Services 1-888-497-4450 (for TDD/TTY purposes, please sign-up through your phone service provider) New York
Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information on comparative credit
card rates, fees, and grace periods. New York Department of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov 

APR Information:We add 10.74% to 16.74% to the Index (see Rates in Section D below) to determine the Purchase/Balance Transfer APR (daily
periodic rate as of February 1, 2014, 0.03833% to 0.05477%). The Purchase APR applicable to your account (if you are finally approved) will be
provided in the Cardmember Credit Card Account Agreement mailed with your credit card if you applied online or in a branch and with notice of approval
if you applied in a branch. We add 20.74% to the Prime Rate to determine the Cash Advance APR (daily periodic rate as of February 1, 2014,
0.06573%). 

Minimum Finance Charge: We'll charge you a minimum FINANCE CHARGE of $1.00 for any Billing Period in which a Finance Charge is due. For
additional information, see Rates in Section D. 

Minimum Payment: The Minimum Payment is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any
Past Due or over the Credit Limit amounts. The total Minimum Payment Due on your account won't be less than $25.00. If your Account Balance is less
than $25.00, you must pay the amount indicated on your Statement in full. We will calculate the minimum payment as the larger of 1) $25.00; 2) 2.0% of
the New Balance shown on your Statement for that Credit Plan (rounded to the nearest $1.00); or 3) 1.0% of the New Balance plus (i) current Finance
Charges and cash item charges, and (ii) any Late Fees and Returned Payment Fees assessed in the current billing cycle. See Minimum Payment in
Section C. 

IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you:
When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying documents. 

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and
that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law. California Residents: If you are married, you may apply for a separate
account. New York Residents: A consumer credit report may be ordered in connection with the processing of an application, or
subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of whether or not a
consumer credit report was ordered, and if it was, you will be given the name and address of the consumer-reporting agency
that furnished the report. Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with
the processing of an application, or subsequently for purposes of review or collection of the account, increasing the credit line
on the account, or other legitimate purposes associated with the account. Wisconsin Residents: No provision of any marital
property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70
adversely affects the interest of the creditor, Comenity 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. 

If you have been preapproved, see below for details of your offer. 

Customers Receiving Preapproved Credit Offers: You may have been selected for a pre-approved credit card account offer
from Comenity 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

505, Woodlyn, PA 19094; 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 Comenity Capital Bank for, and hereby request, a Gulf Credit Union Credit Card Account for personal, family or
household use. I hereby authorize Comenity Capital Bank 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 Account Agreement. I acknowledge that I will receive a Credit Card Account Agreement upon
approval. I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank
approves my credit application and accepts the Credit Card Account Agreement at its office in Utah and that the Credit Card
Account Agreement is deemed to be made in Utah. Cards are issued and credit is extended by Comenity Capital Bank, 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 Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Gulf Credit
Union. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit
bureaus, other creditors and Gulf Credit Union. 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. 

Your Cardmember Credit Card account agreement.
Comenity Capital Bank issues your Visa® credit card account, pursuant to a license by Visa U.S.A. Inc. Your MasterCard®
credit card account is issued by Comenity Capital Bank pursuant to a license from MasterCard; MasterCard is a registered
trademark of MasterCard International Incorporated. This Agreement covers the Terms and Conditions of your account with us.
In this document, you will find important information about using and managing your account, including a Privacy Statement and
information concerning your billing rights. Your use of the account indicates your acceptance of the terms of this agreement,
including the assessment of any finance charges and fees. Please also review the included Cardmember Agreement Rates and
Fees table for additional information. 
Section H of this agreement also includes a Jury Trial Waiver and an Arbitration provision in the event of a dispute.

You have a right to reject this Arbitration provision.
If you do not reject this Arbitration provision, it will be part of this agreement and will:

Eliminate your right to a trial by jury; and
Substantially affect your rights, including your right to bring, join in or participate in class proceedings.

Please read each section carefully and keep this document and the Cardmember Agreement Rates & Fees table for your
records.

In the following sections, you will find information on:
Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account

A.  Getting Started: the basics of your account
B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen
C.  Learning more about your account: credit plans and credit limits, and how payments are calculated and applied
D.  Interest, fees and charges: when and how fees and costs are applied to your account
E.  Other important information: legal rights, costs, and how we'll handle changes to your account
F.  Disputes & Reporting to Credit Agencies: data we provide, and receive from, credit reporting agencies, and what to do if you think there is an

error on your periodic statement (or your credit report)

G.  Communicating with us: what happens when you contact us
H.  Arbitration and jury trial waiver: how we'll resolve disagreements, including a jury trial waiver and Arbitration provision

Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make
A. Getting Started

Definitions
In this Agreement, "We," "Us" and "Our" mean Comenity Capital Bank. "You" and "Your" mean each person who submits an application for an account
with us. "Account" means your credit card account with us. "Card" means each credit card we issue for your Account. "Credit Plan" means one or more
payment program options your financial institution may ask us to offer from time to time. 
Upholding your Agreement

You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application to obtain credit from
us, you'll be legally bound by this Agreement. You're also legally bound if you sign a charge slip, or permit someone else to use the credit provided.
You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or
commercial purpose.
If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually
responsible for repaying all amounts due. If more than one person is responsible for this Account, we will only provide billing statements and
communications to one of you.

Any authorized user of your Account will be bound by the terms of this Agreement. For each additional authorized buyer added to the account, one
additional Card may be issued with the individual name of an authorized user embossed on the Card. If you want to revoke the use of your Account
by an authorized user, either write us at the address, or call us at the phone number, shown on your Statement.
You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or
made for your benefit.

Card signature
For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn't a prerequisite to your obligation to pay
amounts incurred on your Account. 
Using your Credit Card Account

If you were approved for a MasterCard Account, your Account may be used to make purchases from anywhere MasterCard is accepted. If you were
approved for a Visa Account, your Account may be used to make purchases from anywhere Visa is accepted.
We may not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities.
You may obtain a loan from us under your Account by using your Card or an access check as follows: by purchasing goods or services with your
Card or your Account number; by obtaining a cash advance from a financial institution, by use of an ATM; by using an access check; or, by
incurring charges authorized by this Agreement.
From time to time, in our sole discretion, we may send you access checks for use in borrowing under this Agreement. All access checks you use
will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you
otherwise.
You agree that access checks that you use will not be returned to you.
You may not use the access checks to make payments on any Comenity Bank or Comenity Capital Bank accounts.
You agree not to use an access check, and we do not have to pay any access check:

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

From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have to
the Account. We may, in our sole discretion, offer promotional plans for such balance transfers. In addition, we may also limit the amount of the
balance transfer which can be placed on your account.
You may use the Card to obtain cash advances through certain ATMs. You will be given a Personal Identification Number (PIN) which must be
used in order to obtain an ATM cash advance.

Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations.
You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance.

If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by MasterCard International or Visa International into
U.S. dollars in accordance with MasterCard or Visa Operating Regulations respectively in effect at the time the transaction is processed.

The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.
The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by conversion through
a financial institution in the country in which the purchase or cash advance occurred.

Making payments

Pay your Account by sending a check, money order, or cashier's check payable in U.S. dollars, to the name and address shown on your Statement
specified for payments. Please don't send cash.
Be sure to include your payment stub, do not staple your payment to the stub, and use the envelope provided with your Statement.
If your payment doesn't meet these requirements, it may not be credited to your Account for up to five days, or may be rejected.
Overnight payments should be sent to Cardholder Services/Remitco, Attn. P.O. Box 4669, 8430 W Bryn Mawr Ave. 3rd Floor, Chicago, IL 60631

We can accept such checks or late or partial payments without losing our right to receive the full amount owed on your Account.

Please don't send any correspondence with your payment.

B. Keeping your account in good standing

Avoiding default

You'll be in default under this Agreement if you:

Fail to make at least the Total Minimum Payment Due
Violate any provision of this Agreement
Pass away
Become the subject of bankruptcy or insolvency proceedings
Supply us with misleading, false, incomplete or incorrect information
Are unable or unwilling to perform the terms or conditions of this Agreement
Fail to supply us with any information we deem necessary
Default under any other loan or agreement you have with us or any of our affiliates
Become incompetent
Exceed your credit limit
Issue a payment returned unpaid by your bank for any reason

If we consider your account in default, we may suspend your ability to make charges; close your account and require you to pay the full amount you
owe immediately. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy your default. 
Reporting a lost or stolen card (as applicable)
If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at Cardholder Services,
PO Box 2360, Omaha, NE 68103-2360 or call us at 1-888-497-4450 (for TDD/TTY purposes, please sign-up through your phone service provider). You
will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your
notice to us. In any case, your liability will not exceed $50.
C. Learning more about your account

Credit Plans

Your Account may consist of a non-promotional 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, by
use of an insert, attachment, or other written information provided as part of 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.

Introductory Annual Percentage Rate

If your account has a special introductory rate, it will apply to all purchases made during the promotional period.
Once the promotional period ends, or if you make a late payment, your standard variable Annual Percentage Rate will apply to any remaining
balance.

Skip-payment option

At our discretion, we may allow you to skip making the Minimum Payment.
Finance Charges will be assessed during the skip-payment period, but a late fee won't be imposed. This will not be considered a waiver of any of
the rights granted by this Agreement.
All other terms of your Account apply during the skip-payment period.

Credit limit

Your Credit Limit is the total maximum amount we permit you to owe us at any time.
You may not exceed any credit limit that we set for your Account.
If you do exceed your Credit Limit, we can still charge you for all 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.

Account cancellation

You may cancel your Account. You're still obligated to pay the full amount you owe us.
We may cancel your Account at any time, for any reason.
We may refuse to authorize any purchase, access check, balance transfer or cash advance on your Account. We may also suspend your Account
and your right to use your Card, including each Card you give to others.
We may cancel any Credit Plan at any time, for any reason.
Cancellation or suspension of your Account doesn't negate your obligation to pay any amount you owe us.
Cancellation of your Account includes each Card you give to others.
Cards are issued with an expiration date. We have the right not to renew your Account.

Minimum Payment

You can pay all of your Account balance at any time without penalty.
You must pay at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement.
We calculate your minimum payment based on the method described in the attached Rates and Fees table. The minimum payment will appear on
your monthly statement, and may include any past due amount and any overlimit amounts.

Payment application

We reserve the right to apply payments equal to or less than the required minimum amount however we see fit, which may result in balances
subject to lower interest rates being paid prior to other balances. This may also result in higher interest charges.
Any payment you make in excess of the required Minimum Payment Due will be allocated to your Account as required by applicable law.

D. Interest, fees and charges

Finance Charges

There is no period in which you can pay back a cash advance, any other transaction treated as a cash advance under this Agreement, or a balance
transfer to avoid incurring a Finance Charge. For a cash advance using a access check, the date of the advance is the date the access check is
presented to us or our agent for payment. For all other cash advances, the date of the advance is the date you obtained the advance.
If you make a purchase Finance Charges won't be imposed in any Billing Period in which (i) no Previous Balance exists or (ii) payments received
and credits issued by the Payment Due Date equal or exceed the Previous Balance.
If the New Balance shown on your last Statement isn't paid in full by the Payment Due Date shown on your last Statement, there will be a Finance
Charge on each purchase from the date of purchase.

How we calculate Finance Charges on your Account
We calculate Finance Charges separately for each Credit Plan, using an "Average Daily Balance" to determine Finance Charges for each Billing Period.
Our calculation method is as follows:

We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees).
We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new purchases and debit adjustments
posted as of that day. This gives us the "Daily Balance" for the day.
We add up all the Daily Balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average
Daily Balance".
We then multiply the Average Daily Balance for the day by the Daily Periodic Rate of Finance Charge. This amount is then multiplied by the number
of days in the billing cycle and divided by 100 to give the total Account Finance Charge.

Rates

The Index in effect for each Billing Period will be the highest "Prime Rate" of interest as published in the "Money Rates" section of The Wall Street
Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward if necessary, to the nearest .001%
("Index").
Your APRs may increase if the Index increases.
An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of Finance Charge and may increase the
amount of your minimum payment due.

If this Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of Finance Charge and corresponding APR
are indicated on the Cardmailer and are incorporated herein by reference.

Other fees and charges
You agree to pay the following fees and charges: 

Late Fee: If you don't pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee.

The fee is $25 if you were not charged a late fee during any of the prior six billing periods.
Otherwise, the fee is $35.
This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed.

Returned Payment Fee: We may charge you a fee for each payment that your bank doesn't honor for any reason.
The fee is $25 if you were not charged a returned payment fee during any of the prior six billing periods.
Otherwise, the fee is $35.
This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed.

Although we may decide to do so, we aren't required to attempt to collect a payment more than once.
Foreign Exchange Fee: There is a fee of 3.0% of the amount of a transaction that takes place outside of the Unites States, even if the currency
used is U.S. Dollars. Our fee is calculated on the U.S. Dollar amount of the transaction.
Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing
error inquiries or resolution), we may charge the Account the following fee(s):

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

Expedited Card Fee: We may charge you a fee for an expedited delivery of additional or replacement cards. This fee is $25.
Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your
Account over the phone. If you choose to use this payment method, we may assess the current fee we charge for this service. Currently, that fee is
up to $15.00 but may change. We'll let you know the current fee before you authorize any payment(s), and you can withdraw your request if you
don't want to pay the fee.
Access Check and Cash Advance Fee: For any access check used or cash advance obtained in person from a financial institution or through an
ATM, you will pay a transaction fee equal to the greater of $10.00 or 4% of the amount of the access check or cash advance, per cash advance;
there is no maximum transaction fee amount.
Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of $10.00 or 3% of the
amount of the balance transfer, there is no maximum transaction fee amount.
Return Access Check Fee: You also agree to pay a fee of up to $35.00 for each access check written against your Account which fails to clear
and is returned unsatisfied.

You agree to pay a fee of up to $35.00 for each access check written against your Account on which we stop payment at your request.

E. Other important information

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 incurred by us or another person or entity. 
Changes

We may add, change, or delete the terms of your Account. If required by law, we will give you advance written notice of the change(s) and a right to
reject the change(s). 
Security Interest

You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and
proceeds of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would otherwise secure any
obligation arising hereunder. 
Changes to your information

Please notify us immediately of any changes to your name or address. 
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. 
Transfer of Rights/Assignment

Your rights under this Agreement can't be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or
personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person
or entity at any time without prior notice to you or your consent. 
No Waiver of Rights

We can delay enforcing our rights under this Agreement without losing them. 
Severability

If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law.
F. Disputes & Reporting to Credit Agencies

Credit Reports

You give us permission to investigate your credit record.
You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in
connection with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation.
You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your account to credit
bureaus.
You give us permission to provide information about your Account to credit bureaus and other creditors, as well as to your financial institution.

Credit report disputes
If you believe the account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Cardholder
Services, PO Box 2360, Omaha, NE 68103-2360. Your written dispute must provide sufficient information to identify the account and specify why the
information is inaccurate:

Account Information: Your name and account number
Contact Information: Your address and telephone number
Disputed Information: Identify the account information disputed and explain why you believe it is inaccurate
Supporting Documentation: If available, provide a copy of the section of the credit report showing the account information you are disputing

We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we
find that the account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to
which we reported the information. 
Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: Dispute Dept, PO Box 2988, Stop Code AK-450, Omaha, NE 68103 In your letter, give us
the following information:

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may
have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you
owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you
as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do
not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have

been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit

card account do not qualify.

3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Dispute Dept 
PO Box 2988, Stop Code AK-450, Omaha, NE 68103 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At
that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
G. Communicating with us

Communicating to you about your Account
If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents,
contractors and collectors of your Account, to communicate with you in any way, such as calling, texting, or e-mail via:

1.  a cell, landline, or text number you provide, use to contact us, or at which we believe we can reach you (even if it is not yours),
2.  any email address you provide to us or your financial institution,
3.  automated dialer systems and automatic telephone dialing systems,
4.  pre-recorded or artificial voice messages and other forms of communications.

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

To provide you with high-quality service, phone communication with us may be monitored and/or recorded.
You agree that we may monitor and/or record any phone calls between you and us.
Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account.

For Wisconsin residents:
If you are married, please contact us immediately upon receipt of this Agreement at 1-888-497-4450 (for TDD/TTY purposes, please sign-up through
your phone service provider) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a
credit account for you. 
For bankruptcy notifications:
All bankruptcy notices and related correspondence to Comenity Capital Bank should be sent to the following address: Cardholder Services, PO Box
2360, Omaha, NE 68103-2360.
H. Arbitration and jury trial waiver

A. Jury Trial Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF
OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING
THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY
AND VOLUNTARILY. 
B. Notice and Cure
Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a "Claim"),
the party asserting the Claim (the "Claimant") shall give the other party (the "Defendant") written notice of the Claim (a "Claim Notice") and a reasonable
opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any
updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to Cardholder Services, PO Box 2360, Omaha, NE
68103-2360 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address and account number. Any
Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and not on
behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim Notice on your behalf. The Claimant
must reasonably cooperate in providing any information about the Claim that the other party reasonably requests. 
C. Arbitration Provision

READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH
PARAGRAPH C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE
WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
1. Your Right to Reject: If you don't want this Arbitration Provision (and any prior arbitration agreement between you and us ("Prior
Arbitration Agreement")) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and
contains a statement that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be
sent to us at Cardholder Services, PO Box 2360, Omaha, NE 68103-2360. A rejection notice is only effective if it is signed by you (all of you, if
more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written
notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision
of this Agreement or your ability to obtain credit. 
2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and "our"
mean (a) Comenity Capital Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank
Parties"); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other
person or company at the same time you assert a Claim against any Bank Party. 
3. Covered Claims: "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the
Account, the issuance of any Card, any rewards program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions
prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest
possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort,
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive
or declaratory relief). "Claim" does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part
thereof (including, without limitation, the prohibition against class proceedings, private attorney general proceedings and/or multiple party proceedings
described in Paragraph C.7 (the "Class Action Waiver"), the last sentence of Paragraph C.13 and/or this sentence); all such disputes are for a court and
not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the
arbitrator, not a court, to decide. 
4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with
respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an
individual Claim that you bring against us in small claims court or your state's equivalent court, if any. But if that Claim is transferred, removed or
appealed to a different court, we then have the right to demand arbitration. 
5. Choosing the Administrator: "Administrator" means the American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 10019,
www.adr.org; JAMS is at 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by mutual agreement
of the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator
will be selected by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator
must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written notice of your
selection with your notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any
Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the
Administrator on time, we may do it. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered,
without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent with the Class
Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE
THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION
FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT
MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
7. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN
A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER
YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU
MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR
SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR

MULTIPLE-PARTY ARBITRATION. 
8. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay
any and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in
order for this Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys' and experts' fees if you prevail or
if we must bear such fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
9. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the
"FAA"), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of
limitations and claims of privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action
were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts).
At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. 
10. Right to Discovery: In addition to the parties' rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit
a written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall
have discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal: Judgment upon the arbitrator's award may be entered by any court having jurisdiction. The arbitrator's
decision is final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a
request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days
after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider
anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration
Provision to "the arbitrator" shall mean the panel if an appeal of the arbitrator's decision has been taken. The costs of such an appeal will be borne in
accordance with Paragraph C.8. above. 
12. Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of the
Account, any legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency
between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, this
Arbitration Provision shall govern. This Arbitration Provision replaces any Prior Arbitration Agreement. 
13. Severability: If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the remaining
portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration
Agreement will remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver
shall be subject to appeal. 
14. Special Payment: If (1) you submit a Claim Notice in accordance with Section B of the Arbitration and jury trial waiver Provisions on your own
behalf (and not on behalf of any other party); (2) we refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that
you were entitled to such relief (or greater relief), the arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled).

comenity

rev. 4/13

FACTS 

WHY?

WHAT?

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:

Social Security number and income
Account balances and payment
Credit history and credit scores

Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

Prime Rate plus 10.74% to 16.74% when you open your account, based on 
your creditworthiness. 
After that, this APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Paying Interest 

Minimum  Interest  Charge 

Prime Rate plus 20.74%. 
This APR will vary with the market based on the Prime Rate. 
Your  due date  is at least  25 days  after  the  close  of each  billing  cycle.  We  will  not 
charge  you interest  on purchases  if you pay your  entire  balance  by the  due date 
each month. We will begin charging interest on cash advances and balance transfers 
on the transaction date. 
If  you are charged  interest,  the  charge  will  be no less  than  $1.00  per credit  plan. 

Fees 

•  Annual  Fee 

None 

Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

Penalty  Fees 
•  Late Payment 
•  Returned Payment 

Balance Computation 
Method 

The greater of $10 or 3% of the amount of the balance transfer. 
The greater of $10 or 4% of the amount of the cash advance. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 

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