IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION 
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS 
Prior to applying for a Total Rewards� Visa� Credit Card, Comenity Bank requests your consent to provide you important information electronically. You understand and agree that Comenity Bank may provide you with all required application disclosures regarding your Total Rewards� Visa� Credit Card 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 Total Rewards Visa Signature Card Purchases  22.99%, 17.99%, or 13.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  
Annual Percentage Rate (APR) for Total Rewards Visa Card Purchases  22.99%, 17.99%, or 14.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  
Annual Percentage Rate (APR) for Balance Transfers and Cash Advances  25.99% This APR will vary with the market based on the Prime Rate.  
Penalty APR and When it Applies  29.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you fail to pay all of 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  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.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan.  
For Credit Card Tips from the Consumer Financial Protection Bureau  To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.  

Fees  
Annual Fee  None  
Transaction Fees Balance Transfer Cash Advance Convenience Checks Foreign Transaction  The greater of $5 or 3% of the amount of the balance transfer. The greater of $5 or 3% of the amount of the cash advance, per cash advance. The greater of $5 or 3% of the amount of the convenience check, per convenience check. 3% of each transaction in U.S. dollars.  
Penalty Fees Late Payment Returned Payment  Up to $35 Up to $35  

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)." Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Total Rewards Visa Signature Card APR Information: If you have been issued the Tier 1 Card: We add 19.74% to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of 
FINANCECHARGE. As of 01/31/2014, the initial APR was 22.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.06298%. If you have been issued the Tier 2 Card: We add 14.74%to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 01/31/2014, the initial APR was 17.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.04928%. If you have been issued the Tier 3 Card: We add 10.74% to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 01/31/2014, the initial APR was 13.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.03832%. We�ll charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period in which a Finance Charge is due. For additional information, see Rates in Section D. Total Rewards Visa Card APR Information: If you have been issued the Tier 1 Card: We add 19.74% to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 01/31/2014, the initial APR was 22.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.06298%. If you have been issued the Tier 2 Card: We add 14.74%to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 01/31/2014, the initial APR was 17.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.04928%. If you have been issued the Tier 3 Card: We add 11.74% to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 01/31/2014, the initial APR was 14.99% and the initial Daily Periodic Rate of FINANCE CHARGE was 0.04106%. We�ll charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period in which a Finance Charge is due. For additional information, see Rates in Section D. APR for Balance Transfers and Cash Advances: The Daily Periodic Rate of FINANCE CHARGE for Balance Transfers and Cash Advances will be computed by adding 22.74% to the Index, and dividing by 365 (corresponding APR will be the Index plus 22.74%). As of 01/31/2014 the Daily Periodic Rate of FINANCE CHARGE for Balance Transfers and Cash Advances was 0.07120%,and the corresponding APR was 25.99%. Penalty APR Information: The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate will be computed by adding 26.74% to the Index, and dividing by 365 (corresponding APR will be the Index plus 26.74%). As of 01/31/2014, the Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate was 0.08216% (corresponding APR of 29.99%). For additional information, see Penalty Rate in Section D. Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past Due amounts. The total Minimum Payment Due on your account won�t be less than$25.00. If your Account balance is less than$25.00, you must pay the amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plan will be: The greater of: 1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on the Statement; or $5.00 

Plus any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on the Statement. (Rounded up to the nearest $1.00). For the Total Rewards Visa Signature Card accounts, the Minimum Payment is the total of the Minimum Payment Due (as calculated above) plus the greater of any Past Due amount or the amount over the Revolve Line. See Revolve Line in Section C in this Agreement for additional information. The APR information described in this attached Agreement is accurate as of 01/31/2014. Due to a change in the Index, this information may have changed. To find out more, call us at 1-855-381-5712 for Total Rewards Visa Signature Cards or 1-855-381-5715 for Total Rewards Visa Cards (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, OH 43218-2273 or visit our website at comenity.net/totalrewardsvisa. 


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. New York residents may contact the New York state banking department to obtain a comparative listing of credit card rates, fees, and grace periods. New York State Banking Department 1(800)518-8866. 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 
766.70adversely affects the interest of the creditor, Comenity Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred. 
If you have been preapproved, see below for details of your offer. 

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. 
I am applying to Comenity Bank for, and hereby request, a Total Rewards� Visa Signature� Credit Card or Total Rewards� Visa� Credit Card for personal, family or household use. I hereby authorize Comenity 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 Bank and me until Comenity Bank approves my credit application and accepts the Credit Card Account Agreement at its office in Delaware and that the Credit Card Account Agreement is deemed to be made in Delaware. Cards are issued and credit is extended by Comenity Bank, Wilmington, Delaware. 
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 Bank ("us" or "we") to furnish our decision to issue an account to you to Caesars Entertainment Operating Company, Inc.. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Caesars Entertainment Operating Company, Inc.. 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 Total Rewards� Visa� Credit Card Account Agreement 
Comenity Bank issues this Total Rewards� Visa� Credit Card Account, pursuant to a license by Visa U.S.A. Inc. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any finance charges and fees. 
SectionI 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 

Substantiallyaffect your rights, including your right to bring, join in or participate in class proceedings. 
Please read each section carefully and keep this document for your records. 

In the following sections, you will find information on: 
Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
A. Getting Started: the basics of your account 
B. Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen 
C. Learning more about your account: credit plans, revolve line 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.Optional Products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies 
H. Communicating with us: what happens when you contact us 
I.Arbitration and jury trial waiver: how we�ll resolve disagreements, including a jury trial waiver and Arbitration provision Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 

A. Getting Started Definitions 
In this Agreement, �We,� �Us� and �Our� mean Comenity 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 Caesars Entertainment Operating Company, Inc. may ask us to offer from time to time. 
Upholding your Agreement 

You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application 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. 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 

YourAccount 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 a convenience check as follows: by purchasing goods or services with your Card or your Account number; by obtaining a cash advance from a financial institution, by use of an ATM; by using a convenience check; or, by incurring charges authorized by this Agreement. From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience checks you use will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you otherwise. You agree that convenience checks that you use will not be returned to you. You may not use the convenience checks to make payments on any Comenity Bank Account. You agree not to use a convenience check, and we do not have to pay any convenience check: 

if you are in default under this Agreement; 

if
payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance limit; or 


if
 we cancel or suspend your right to use convenience checks From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have to the Account. We may, in our sole discretion, offer promotional plans for such balance transfers. You may use the Card to obtain cash advances through certain ATMs. You will be given a Personal Identification Number (PIN) which must be used in order to obtain an ATM cash advance. 


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 VISA into U.S. dollars in accordance with VISA Operating Regulations 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 

Payyour 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. Any check marked �payment in full� or with similar terms must be sent to 6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004. 

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 Comenity Bank, PO Box 182273 Columbus, OH 43218-2273 or call us at 1-855-381-5712 for Total Rewards Visa Signature Cards or 1-855-381-5715 for Total Rewards Visa Cards (TDD/TTY: 1-800-695-1788). You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. 


C. Learning more about your account 
Credit Plans 

Your Account may consist of a non-promotional 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. If the promotional Credit Plan purchase isn�t paid in full before the promotional period ends, the balance will be transferred to your non-promotional Regular Revolving balance. Credit Plans offered and their particular features (including but not limited to minimum purchase requirements and Minimum Payment) may vary occasionally at our discretion and include one or more Regular Revolving or Promotional Credit Plans. Regular Revolving Credit Plans are your non-promotional purchases using the Card. Promotional Credit Plans may include a change in the APR for a specified amount of time as stated in the promotional offer. 

Skip-payment option 

At our discretion, we may allow you to skip making the Minimum Payment. Finance Charges will be assessed during the skip-payment period, but a late fee won�t be imposed. This will not be considered a waiver of any of the rights granted by this Agreement. All other terms of your Account apply during the skip-payment period. 

Total Rewards Visa Signature Card Revolve Line 

We reserve the right to evaluate each charge and may authorize purchases greater than the Revolve Line. We reserve the right to decline any authorization request at any time for any reason. We may ask you for additional information at any time to evaluate a transaction request of your use of your Total Rewards Visa Signature Credit Card Account generally. You agree that any purchases and fees which cause your New Balance to exceed your Revolve Line shall be due and payable by the payment Due Date specified on the billing statement identifying such charges and that we shall include such amount in the Minimum Payment Due for that billing period as described in the Minimum Payment section above. If you do exceed your Revolve Line, we can still charge you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement. You will be advised of your Revolve Line at the time you receive your Total Rewards Visa Signature Credit Card. You agree that we may change your Revolve Line from time to time. We will identify subsequent changes to your Revolve Line on your periodic billing statements. 

Total Rewards Visa Card 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, convenience check, 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. 

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 convenience check, the date of the advance is the date the convenience check is presented to us or our agent for payment. For all other cash advances, the date of the advance is the date you obtained the advance. If you make a purchase under a Regular Revolving Credit Plan, 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, which is at least 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 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 a "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 "Partial Daily Balance" for the day. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge. This gives us the "Daily Finance Charge" for the day, which we add to the day's Partial Daily Balance. We've now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily compounding of interest charges. At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge, which gives us the total Account Finance Charge. Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balance for each day in the Billing Period divided by the total number of days. 


Rates 

The Index in effect for each Billing Period will be the highest �Prime Rate� of interest as published in the �Money Rates� section of The Wall Street Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward if necessary, to the nearest .001% (�Index�). 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. 

Penalty Rate 

If you fail to pay all or part of your Minimum Payment Due by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we may apply a penalty APR ("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 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 APR. 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. 

Other fees and charges 
Youagree 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. 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/CreditDraft copy -$6.00 

Check/MoneyOrder copy -$6.00 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. Cash Advance Fee: For any cash advance obtained in person from a financial institution or through an ATM, you will pay a transaction fee equal to the greater of $5.00 or 3% of the amount of the cash advance, per cash advance. You take a cash advance if you use a convenience check; get money through an automated teller machine (ATM); or get money through a financial institution. Convenience Check Fee: For any convenience check written against your Account you will pay a transaction fee equal to the greater of $5.00 or 3% of the amount of the convenience check, per convenience check. Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of $5.00 or 3% of the amount of the balance transfer. Foreign Transaction Fee: For any charge or cash advance outside the US, you will pay a Foreign Transaction Fee equal to 3% of the US dollar amount of the foreign transaction. If a charge or cash advance made outside of the US is converted into US dollars our network providers (Visa, MasterCard, and Discover) will select either (1) a rate from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable central processing date. Return Convenience Check Fee: You also agree to pay a fee of up to $35.00 for each convenience check written against your Account which fails to clear and is returned unsatisfied. 


Youagree to pay a fee of up to $35.00 for each convenience 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 DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW. 

Transfer of Rights/Assignment 
Your rights under this Agreement can�t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without prior notice to you or your consent. 

No Waiver of Rights 
We can delay enforcing our rights under this Agreement without losing them. 

Severability 
If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. 

Rewards Program 
If we offer any rewards program in connection with your Account, the agreement, the terms and conditions, and/or disclosures for the rewards program are separate and are not part of this Agreement. 


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, revolve line or 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 the retailer whose name 
appears on your Card. 
Credit report disputes 
If you believe the account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 182789, Columbus, OH 43218-2789. Your written dispute must provide sufficient information to identify the account and specify why the information is inaccurate: 

Account Information: Your name and account number Contact Information: Your address and telephone number 
Disputed Information: Identify the account information disputed and 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: Comenity Bank, PO Box 182782, Columbus, OH 43218-2782 
In your letter, give us the following information: 

Account information: Your name and account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: 

Within 60 days after the error appeared on your statement. 
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 
1. 
Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 

2. 
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 


While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit or revolve line. 

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: Comenity Bank PO Box 182782, Columbus, OH 43218-2782 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 


G.Optional Products Credit insurance (as applicable) 
Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on the last day of each Billing Period. You can cancel your coverage at any time. 
Account Assure Pro debt cancellation (as applicable) 

Purchasing Account Assure Pro is optional. Your decision whether or not to purchase Account Assure Pro won�t affect your application for credit or the terms of any existing credit agreement you have with Comenity Bank. The monthly fee for Account Assure Pro is based on the outstanding monthly balance on your Account each month and will be added to your Statement. We�ll provide additional information before you�re required to pay for Account Assure Pro. This will include a copy of the contract containing the terms and conditions pertaining to Account Assure Pro. You can cancel your Account Assure Pro at any time. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Account Assure Pro. Be sure to carefully read the contract for a full explanation of the terms of Account Assure Pro. 

H. Communicating with us Communicating to you about your Account 
If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your Account, to communicate with you in any way, such as calling, texting, or 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 one of our merchants, 

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 is monitored and/or recorded. You agree that we monitor and/or record any phone calls between you and us. Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 

For Wisconsin residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-855-381-5712 for Total Rewards Visa Signature Cards or 1�855-381-5715 for Total Rewards Visa Cards (TDD/TTY 1-800-695-1788) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you. 

For bankruptcy notifications: 
All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125. 


I.Arbitration and jury trial waiver 
A. Jury Trial Waiver TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
B. Notice and Cure 
Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a �Claim�), the party asserting the Claim (the �Claimant�) shall give the other party (the �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 Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address and account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim 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 Comenity Bank PO Box 182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit. 

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 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). 


Privacy Statement 
View Privacy Statement 
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rev. 04/13 

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:  
What?  Social Security number and income Account balances and payment history Credit history and credit scores  


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Comenity chooses to share; and whether you can limit this sharing. 
Reasons we can share your personal information  Does Comenityshare?  Can you limitthis sharing?  
For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus  Yes  No  
For our marketing purposes-to offer our products and services to you  Yes  No  
For joint marketing with other financial companies  Yes  No  
For our affiliates' everyday business purposes-information about your transactions and experiences  Yes  No  
For our affiliates' everyday business purposes-information about your creditworthiness  Yes  Yes  
For our affiliates to market to you  Yes  Yes  
For nonaffiliates to market to you  Yes  Yes  

Comenity Bank customers: Call 1-800-220-1181 (TDD/TTY 1-800-695-1788) -our menu will prompt you through your choices. Comenity Capital Bank customers: Call 1-877-287-5012 (TDD/ TTY 1-888-819-1918) -our menu will prompt you through your choices.  
To limit our sharing  
Please note:  
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.  
However, you can contact us at any time to limit our sharing.  

Questions?  Go to comenity.net/privacy or call 1-866-423-1097  

Who we are  
Who is providing this notice?  This privacy notice is provided by the Comenity family of companies, including Comenity Bank and Comenity Capital Bank.  

What we do  
How does Comenity protect my personal information?  To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  
How does Comenity collect my personal information?  We collect your personal information, for example, when you open an account or provide account information give us your income information use your credit or show your driver's license  
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.  
Why can't I limit all sharing?  Federal law gives you the right to limit only sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.  
What happens when I limit sharing for an account I hold jointly with someone else?  Your choices will apply to everyone on your account.  

Definitions  
Affiliates  Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Comenity name; financial companies such as Comenity Capital Bank and Comenity Bank, other Comenity entities; nonfinancial companies such as Epsilon, Alliance Data, and LoyaltyOne.  
Nonaffiliates  Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.  
Joint marketing  A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include lenders and insurance companies.  

Other important information  
We also will comply with more restrictive state laws to the extent that they apply. For example, if your billing address is in Vermont or California, we will automatically opt you out of sharing your information with nonaffiliates for marketing purposes. We will contact you regarding your account via text message or telephone, including the use of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to contact us. Standard mobile, message, or data rates may apply.  




TOTAL REWARDS� VISA� CREDIT CARD REWARD CREDITS PROGRAM TERMS AND CONDITIONS 
These Terms and Conditions Are Subject to the Jury Trial Waiver and Arbitration Provision in your Total Rewards Visa Credit Card Account Agreement 
Read These Terms and Conditions Carefully and Keep Them in a Safe Place 
The Total Rewards Visa Credit Card Reward Credits Program is a program that allows you to earn Reward Credits, based on your qualifying purchases with your Total Rewards Visa Credit Card. Those Reward Credits are then added to the Reward Credit balance on your existing Total Rewards Card. Reward Credits do not count towards your Tier Score or Tier status. You can redeem credits at the Total Rewards Marketplace or in participating Total Rewards casinos. As a Total Rewards Program member, you already know that Total Rewards and the Total Rewards Card are provided by Caesars Entertainment Operating Company, Inc. ("CEOC") and that the terms and conditions for the Total Rewards Program are set forth in the Total Rewards Rules and Regulations ("Rules and Regulations"). The Total Rewards Visa Credit Card Reward Credits Program and the Total Rewards Visa Credit Card ("Credit Card") are provided by Comenity Bank ("Comenity"). This document, which is separate and independent from your Credit Card Account Agreement, contains the terms and conditions for the Total Rewards Visa Credit Card Reward Credits Program ("Credit Card Reward Credits Program"). The only rights granted to you are those expressly specified in these Terms and Conditions. 
1. 
Definitions. "We," "us," and "our" refer to Comenity. "You," "your," and "yours" refer to the applicant who applied for and was approved by Comenity for the Credit Card. 

2. 
Changes to the Credit Card Reward Credits Program. WE MAY MODIFY, RESTRICT OR CHANGE THE CREDIT CARD REWARD CREDITS PROGRAM AT ANY TIME. THESE CHANGES MAY INCLUDE, BUT ARE NOT LIMITED TO, CHANGING THE NUMBER OF REWARD CREDITS YOU EARN FOR A PARTICULAR PURCHASE OR CATEGORY OF PURCHASES; OR IMPOSING, INCREASING, OR ELIMINATING CAPS ON THE NUMBER OF REWARD CREDITS YOU MAY EARN OVER ANY PARTICULAR PERIOD OF TIME; OR CHANGING THE CONDITIONS UNDER WHICH REWARD CREDITS EXPIRE OR ARE FORFEITED. WE WILL NOTIFY YOU OF MATERIAL CHANGES TO THESE TERMS AND CONDITIONS AND, UNLESS YOU DECIDE TO TERMINATE YOUR PARTICIPATION IN THE CREDIT CARD REWARD CREDITS PROGRAM, YOU WILL BE BOUND BY THE REVISED TERMS AND CONDITIONS. WE ALSO RESERVE THE RIGHT TO SUSPEND OR TERMINATE YOUR PARTICIPATION IN THE CREDIT CARD REWARD CREDITS PROGRAM, OR THE CREDIT CARD REWARD CREDITS PROGRAM IN ITS ENTIRETY, AT ANY TIME WITHOUT COMPENSATION TO YOU. 

3. 
Participation. To participate in the Credit Card Reward Credits Program you must: 

a. 
Have a Total Rewards account with a Total Rewards Account Number; 

b. 
Have a Credit Card that displays your Total Rewards Account Number (if no number appears or the number is incorrect, you may not earn Reward Credits for using your Credit Card); 

c. 
Keep your Credit Card account open and in good standing (not past due or otherwise in default); 

d. 
Reside within the United States; 

e. 
Be an individual 21 years of age or older (you may be 18 years of age to be eligible for the Credit Card without qualifying for participation in the Total Rewards Program, except for residents of Puerto Rico, who must be 21 in either circumstance); 

f. 
Not be an employee of CEOC, its owned, operated, or managed properties, or any of their affiliates, subsidiaries, or parent; 

g. 
Not have any overdue obligations to CEOC, its owned, operated, or managed properties, or any of their affiliates, subsidiaries, or parent; and 

h. 
Not be included in any gaming exclusion programs recognized by a gaming regulatory agency or by CEOC; 

i. 
Adhere to all other rules and regulations of the Total Rewards Program. 



4. 
Earning Reward Credits. While you may not exceed the credit limit for your Credit Card, there are no other limits on the maximum Reward Credits you may earn. You will earn Reward Credits when you or any authorized user use your Credit Card for qualifying purchases. The amounts you earn for qualifying purchases will vary by category, as listed below: 


5
Reward Credits for every $1 spent at Total Rewards resorts and casinos. 4 Reward Credits will be earned through use of the Total Rewards Credit Card and 1 Reward Credit will be earned with the use of your Total Rewards card at the time of purchase at a participating location. See TotalRewards.com/our-casinos for a complete list of participating locations. 


2
Reward Credits for every $1 spent on airlines, gas, and groceries. 


1
Reward Credit for every $1 spent everywhere else Visa is accepted. These amounts are calculated at the end of each day based on new net retail transactions in each category (purchases plus applicable taxes, less credits, returns and adjustments, rounded up to the nearest dollar) ("Net Purchases"). However, unless we advise you otherwise, neither your Account Assure premiums nor any other optional products that we offer will earn Reward Credits. You also do not earn Reward Credits for any other amounts billed to your Credit Card account; that includes convenience checks, balance transfers, cash advances including; financial institution cash advances, cash advance withdrawals from Automated Teller Machines, finance charges and fees, and purchases of money orders, person-to-person money transfers, wire transfers, bets, lottery tickets (to the extent such transactions are permitted by law), and casino gaming chips. If any purchase transaction is alleged to have been unauthorized or fraudulent, or is the subject of a billing dispute or a dispute with the merchant for which you are withholding payment, the corresponding Reward Credits for the transaction may be temporarily deducted from your Total Rewards account balance while we investigate. If after investigating we determine that the transaction should not have been posted to your account, then the Reward Credits for the transaction will be deducted from your Total Rewards account balance (unless this has already happened). 




5. 
Redemption, Expiration, and Forfeiture. It is your responsibility to monitor your Total Rewards account balance to make sure that the Reward Credits you earn through the Credit Card Reward Credits Program are added to that balance. Your Reward Credits from using your Credit Card will not appear on your Credit Card statement. CEOC will post them to your Total Rewards account and the Reward Credits will be available for redemption within 5 business days. You must earn at least one Reward Credit every six months or use your Total Rewards Visa Card to maintain your Reward Credit balance. Otherwise, your Reward Credits will expire. You can earn Reward Credits by using your Credit Card for qualifying purchases, engaging in earning activity at Total Rewards destinations in the continental US and Canada (visit TotalRewards.com for a list of destinations), or by participating in another Total Rewards Alliance. The six-month period begins on the date on which the most recent Reward Credits post to your Total Rewards account. You can check your Reward Credit account balance and impending expiration date online at www.totalrewards.com or by visiting any Total Rewards Center. If your Credit Card is cancelled, whether by you or by us, or if you no longer qualify to participate in the Total Rewards Visa Credit Card Reward Credits Program for any other reason, Reward Credits not already transferred into your Total Rewards account will be irrevocably forfeited. You may redeem any Reward Credits that have previously been posted to your Total Rewards account balance as long as you still have a Total Rewards account that is in good standing, and have a Reward Credit balance. 

6. 
Questions, Errors, Excess Redemption, and Disputes. All questions regarding the Total Rewards Card and Reward Credits should be directed to CEOC and all questions regarding the Credit Card should be directed to us. The billing error resolution procedures of your Credit Card Agreement do not apply to the Credit Card Reward Credits Program, but if you think there was an error in connection with the Reward Credits you earned when you used your Credit Card for a qualifying purchase, send an email to CEOC by selecting "Send Us an Email" at https://www.TotalRewards.com/CustomerService. Be sure to include your name, your Total Rewards Account Number, the dollar amount of the suspected error, and a description of the problem. CEOC must hear from you no later than six months from the posting date of the transaction. CEOC will notify us, if necessary, and we and CEOC will investigate, based on the Terms and Conditions and the Rules and Regulations in effect at the time the transaction was posted to your Credit Card account. If an adjustment to your Total Rewards account balance causes you to receive more Reward Credits than you were otherwise entitled to, or if, through use of the Total Rewards Card, you redeem more Reward Credits than you are entitled to, you agree you owe us and/or CEOC the full retail value of the goods or services obtained with the excess Reward Credits. We have the right to reduce your Reward Credits accordingly, withhold or offset any subsequent Reward Credits to the Total Rewards account, and/or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent debit in the form of a cash advance to your Credit Card. All disputes are subject to the Jury Trial Waiver and Arbitration Provision in your Credit Card Account Agreement. 

7. 
No Cash Value, Not Your Property, and Not Transferable. Reward Credits do not have any cash or monetary value and may not be used 

to make payments on any loan or account with us. Reward Credits are not your property and are not transferable to anyone by operation of law or otherwise. If you notify us that your Credit Card was lost or stolen, we may issue you a new Credit Card with your existing Total Rewards Account Number. Otherwise, Reward Credits may not be transferred between accounts issued by us, may not be transferred upon death or as part of any domestic relations legal proceedings, and may not be brokered, bartered, sold, transferred, or altered in any way. Any attempted transaction of any such sort will automatically be void. Anyone selling, purchasing, brokering, bartering, transferring, or altering Reward Credits, either wholly or partially, shall be liable for payment of the applicable full retail price of any goods or services obtained with them, as well as all damages including, but not limited to, consequential damages, transaction costs, and litigation costs (including attorney�s fees and costs at trial and on appeal and in any bankruptcy proceeding). Any brokered, bartered, altered, sold or purchased Reward Credits shall likewise be void and may be deducted from your Total Rewards account balance by us or by CEOC. Any violation of these provisions will result in termination of your eligibility to participate in the Program and forfeiture of unused credits. 

8. 
Privacy. We and CEOC value your privacy. Our sharing of information about you is governed by our respective privacy policies. A copy of the Comenity Privacy Statement was included with your Credit Card Agreement. A copy of the Total Rewards privacy policy is available at http://www.TotalRewards.com/privacy.html. 


9. Your Liability and Our Liability. You are solely liable for any applicable federal, state or local taxes arising out of the accrual or use of Reward Credits, and/or the Credit Card, and/or the Total Rewards Card. If you are denied a benefit of the Credit Card Reward Credits Program to which you are entitled, any liability that we may have and any liability of CEOC shall be limited to your earned portion of that benefit. Neither we nor CEOC are responsible for any written correspondence or electronic messages that are lost or delayed in transmission. By redeeming Reward Credits through CEOC according to the Total Rewards Rules & Regulations, you release and agree to indemnify us and our parent, subsidiaries, affiliates and successors from any and all liability regarding your redemption or use of Reward Credits, or other features of the Credit Card Reward Credits Program. Void Where Prohibited. The terms of this Credit Card Reward Credits Program are subject to government and regulatory approval and are void where prohibited by law. For a list of Total Rewards� Rules & Regulations, visit TotalRewards.com or any Total Rewards Center. Must be of legal age to gamble in a casino. Know When To Stop Before You Start.� Gambling Problem? Call 1-800-522�4700. (IL, PA, NJ or CA: If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537). AZ: 1-800-NEXTSTEP. MO: 1-888-BETSOFF. IA: 1-800-BETSOFF. IN: 1-800-9WITHIT. OH: 1-800-589-9966. Ontario: Know Your Limit, Play Within It! 1-888-230-3505.) �2013, Caesars License Company, LLC. Gambling Problem? In OHIO, please call 1-800-589-9966. Total Rewards�, Reward Credits� and Know When to Stop Before You Start�, are registered service marks of Caesars Entertainment Operating Company, Inc. Used with permission. The Total Rewards Program is the responsibility of Caesars Entertainment Operating Company, Inc., and its terms may change at any time. The Total Rewards Visa Card is issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. 
Pricing Addendum 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Total Rewards Visa Signature Card Purchase  Prime rate plus 19.74%, 14.74% or 10.74% This APR will vary with the market based on the Prime Rate.  
Annual Percentage Rate (APR) for Total Rewards Visa Card Purchases  Prime rate plus 19.74%, 14.74%, or 11.74%. This APR will vary with the market based on the Prime Rate.  
APR for Balance Transfers and Cash Advances  Prime rate plus 22.74%. This APR will vary with the market based on the Prime Rate.  
Penalty APR and When It Applies  Prime rate plus 26.74%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.  
Paying Interest  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.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan.  

Fees  
� Annual Fee  None  
Transaction Fees � Balance Transfer � Cash Advance � Convenience Check � Foreign Transaction  The greater of $5 or 3% of the amount of the balance transfer. The greater of $5 or 3% of the amount of the cash advance. The greater of $5 or 3% of the amount of the convenience check. 3% of each transaction in U.S. dollars.  
Penalty Fees � Late Payment � Returned Payment  Up to $35 Up to $35  
Balance Computation Method  We use a method called "daily balance (including new purchases)."