13661I009  (02/19) 

Your Long Live Love Credit Card account agreement. 

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 interest charges and fees. 
Section I 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: 
o  Eliminate your right to a trial by jury; and 
o  Substantially affect your rights, including your right to bring, join in or 

participate in class proceedings. 

•  Section I does not apply to Covered Borrowers under the Military Lending Act. 

See Section J below.  

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, as applicable 

C.  Learning more about your account: credit plans, 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 and reporting to consumer reporting agencies: data we provide, and receive from, consumer 

reporting agencies, and what to do if you think there is an error on your periodic statement 

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 

J.  Important Information for Covered Borrowers under the Military Lending Act 
Privacy statement: how we collect, use, share, and protect your personal information; and the privacy 
choices you can make 

Financial terms of your account 

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

28.24%   
     This APR will vary with the market based on the 
Prime Rate.

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. 

Minimum Interest Charge

If  you  are  charged  interest,  the  charge  will  be  no 
less than $2 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

Penalty Fees 

None

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
• 
• 

Late Payment 
Returned Payment

Up to $39 
Up to $39

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “daily  balance.”  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. 

Rate Information: The following chart provides details on your variable rate as of February 1, 2019. We 
divide the APR by 365 to determine the daily periodic rate. 

Add to Index 

APR 

Daily Periodic Rate 

Purchases 

22.74% 

28.24%   

0.07736% 

If this Agreement was provided to you at point of sale, see the Agreement sent with your new account 
welcome package for variable APR information in effect within 30 days of mailing. 

We’ll charge you a minimum interest charge of $2 per Credit Plan for any billing period in which interest 
is due. For additional information, see Rates in Section D. 

Minimum Payment:  
The amount you must pay each billing period (“Total Minimum Payment”) is the total of minimum payments 
for Regular Revolving and promotional Credit Plans plus any Past Due amount. The Total Minimum Payment 
on  your  Account  won’t  be  less  than  $30.  If  your  Account  balance  is  less  than  $30,  you  must  pay  the 
amount indicated on your statement in full. The minimum payment due for each Regular Revolving Credit 
Plan will be the greater of:  

(a) $5; or  
(b) 5% of the New Balance shown on your statement for that Credit Plan (rounded up to the 
nearest $5).  

See Minimum Payment in Section C below for promotional Credit Plan minimum payment calculations.  
The APR information is accurate as of February 1, 2019.  Due to a change in the index, this information 
may have changed. To find out more, call us at 1-855-506-2499 (TDD/TTY: 1-800-695-1788), or write us at 
Comenity Bank, PO Box 182273, Columbus, Ohio 43218-2273. 
A. Getting Started 
Definitions 
In this Agreement, “We,” “Us” and “Our” mean Comenity Bank and any successor or assign. “You” and “Your” 
mean  each  person  who  submits  an  application  or  solicitation  for  an  Account  with  us.  “Account”  means 
your credit card account with us. “Card” means each credit card we issue for your Account, as applicable. 
“Credit Plan” means one or more payment program options Sterling Jewelers Inc., d/b/a Kay Jewelers and 
Kay Jewelers Outlet, 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 or solicitation 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 purposes. 

•  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. 

•  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 (as applicable) 
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 Account 
•  Your  Account  may  be  used  to  make  purchases  from  Kay  Jewelers,  Kay  Jewelers  Outlet,  and  other 
retailers  we  may  determine  occasionally  by  notifying  you  via  electronic  mail,  statement  message, 
website posting, or other method. 

•  We reserve the right to not honor transactions related to, including, but not limited to, gambling, 

automated teller machine (ATM) usage at casinos, and illegal activities. 

Making payments 
•  You promise to pay at least the Total Minimum Payment on or before the Payment Due Date each billing 

period. 

•  See the back of  your statement for details  about payment options, requirements,  restrictions and 

crediting. 

•  All  written  communications  concerning  disputed  amounts,  including  any  check  or  other  payment 
instrument marked with “payment in full” or similar language, must be sent to 6550 North Loop 1604 

 
 
 
 
 
East, Suite 101, San Antonio, Texas 78247-5004. 
o  We may accept a payment sent to any other address without losing any of our rights. 
o  No payment shall operate as an accord and satisfaction without our prior written approval. 

B. Keeping your Account in good standing 
Avoiding default 
You’ll be in default under this Agreement if you: 
•  Fail to make any payment when 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, 
require you to pay the full amount you owe immediately or take any other action permitted by law. 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 Card or a possible unauthorized use of your Card, you should 
write  to  us  immediately  at  PO  Box  182273,  Columbus,  Ohio  43218-2273  or  call  us  at  1-855-506-2499  
(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 for purchases (“Regular Revolving”) and 
one or more promotional Credit Plans. 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. 

•  We may offer different promotional Credit Plans from time to time. 
•  We may stop offering any Credit Plan at any time, for any reason. 
•  If  a  promotional  Credit  Plan  is  offered  at  the  time  you  open  your  Account,  this  Agreement  may 
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 fees,  returned payment  fees  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 may be transferred to your Regular Revolving balance. 

•  Promotional Credit Plans may include: 

o Waive Interest, Payment Required o Defer Interest, Equal Payment 
o Waive Interest, Equal Payment  o Defer Interest, Payment Required 
o Waive Interest, Low Payment 
o Waive Interest-Low APR, Equal Payment 
o Budget Payment 
Skip-payment option 
•  At our discretion, we may allow you to skip making the Total Minimum Payment. 
•  Interest charges will be assessed during the skip-payment period, but a late fee won’t be imposed.  

o Defer Interest, Low Payment 

Low APR, Equal Payment 

o 

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 transactions, interest 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  transaction on your  Account.  We may  also suspend your  Account  and 

your right to use your Card, including each Card you give to others. 

•  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. 
Minimum Payment 
•  You can pay all of your Account balance at any time without penalty. 
•  You  must  pay  at  least  the  Total  Minimum  Payment  for  each  billing  period  by  the  Payment  Due  Date 

shown on your statement. 

•  The  Total  Minimum  Payment  is  the  total  of  the  minimum  payments  for  the  Regular  Revolving  and 

promotional Credit Plans plus any Past Due amount. 

•  The  Total  Minimum  Payment  won’t  be  less  than  $30.  If  your  Account  balance  is  less  than  $30,  you 

must pay the amount indicated on your statement in full. 

•  The minimum payment for each promotional Credit Plan is calculated as follows: 

 
o  The  minimum  payment  for  Regular  Revolving  Credit  Plans,  Waive  Interest,  Payment  Required  and 

Defer Interest, Payment Required Credit Plans will be the greater of: 

(a) $5; or 
(b) 5% (rounded up to the nearest $5) of the New Balance shown on your statement for that 
Credit Plan. 

o  The  minimum  payment  for  the  Waive  Interest,  Equal  Payment  and  Defer  Interest,  Equal  Payment 
Credit Plans will be the financed amount of the purchase divided by the number of months between 
the  date  of  the  purchase  and  the  promotional  period  end  date  (minimum  $5)  rounded  up  to  the 
nearest $5. 

o  The minimum payment for the Low APR, Equal Payment Credit Plan will be the financed amount of 
the purchase including the calculated interest charges that will be assessed from the date of 
purchase through the end of the promotional period divided by the number of months between the 
date of the purchase and the promotional period end date (minimum $5) rounded up to the nearest 
$5. 

o  The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit 

Plans will be the greater of: 

(a) $5 or 
(b) 1.0% (rounded up to the nearest $5) of the New Balance shown on your statement for that 
Credit Plan. 

o  The  minimum  payment  for  the  Waive  Interest-Low  APR,  Equal  Payment  Credit  Plan  will  be  the 
financed amount of the purchase plus estimated interest charges on the balance remaining after 
the first 12 months assuming you pay exactly the minimum payment for this plan on the due date 
each month, divided by 18 and rounded up to the nearest $5 (minimum $5). 

o  For each Budget Payment  Credit  Plan or Open  Charge  Budget Payment  Credit  Plan, fixed monthly 

payments of $49, $99, $149, $199, or $299, based on the transaction amount. 

o  For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance 
increases during the Open Charge period, your minimum payment will increase. The minimum payment 
for each Open Charge plan will be calculated based on the above Credit Plans. 

Payment application 
•  We reserve the right to apply payments equal to or less than the Total Minimum Payment 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  Total  Minimum  Payment  will  be  allocated  to  your 

Account as required by applicable law. 

•  Excess payments received before a deferred interest promotion expires are applied to the deferred 
interest promotional balance first in the last two billing periods of the promotional period. 

D. Interest, fees and charges 
Interest charges 
•  Interest  charges begin  on a  transaction,  fee or  interest from the day  added  to the  daily  balance 

and continue until the balance is paid in full. 

•  There is a Grace Period on Regular Revolving Credit Plan purchases. This means we will not charge 

interest on such purchases if you pay in full each billing period. 

•  We will not charge interest on any portion of a payment allocated to the Regular Revolving Credit 

Plan that is paid within an applicable Grace Period. 

•  If you make a purchase under any Waive Interest Credit Plan (except a Waive Interest-Low APR, Equal 
Payment Credit Plan), we won’t charge interest on the purchase if you pay the total purchase amount 
before the end of the promotional period. If you don’t pay the total purchase amount before the end 
of the promotional period, we’ll add the remaining amount to your Regular Revolving balance. We’ll 
also begin charging interest on the purchase from the first day after the promotional period ends. 
•  If you make a purchase under the Waive Interest-Low APR, Equal Payment Credit Plan, we won’t charge 
interest on the purchase if you pay the financed amount of the purchase in full before the end of 
the waived interest period. If you don’t pay the financed amount of the purchase in full before the 
end of the waived interest period, interest will be assessed from the day the waived interest period 
ends through the end of the promotional period. 

•  If  you  make  a  purchase  under  any  Defer  Interest  Promotional  Credit  Plan  and  don’t  pay  the  total 
amount before  the end of  the promotional  period,  we’ll  add the  remaining purchase amount  and the 
amount of accrued interest to your Regular Revolving balance. 

•  If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from 

the date of purchase through the end of the promotional period. 

How we calculate Interest Charges on your Account 
We calculate interest  separately for each Credit  Plan,  using a  “Daily Balance”  to  determine  interest 
charges for each billing period. Our calculation method is as follows: 
•  We start with the beginning balance on your Account each day (including unpaid interest charges and 

fees). 

•  We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) 
and  add  new transactions 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. This  gives  us 

the “Daily Interest 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  Interest  Charge  and 

make other adjustments, which gives us the total interest charge. 

•  Your statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances 

for each day in the billing period divided by the total number of days. 

Rates 
•  To calculate a variable rate, for each billing period, we use an Index.  The Index is the U.S. Prime 
Rate published in the “Money Rates” section of The Wall Street Journal on the last business day of 

the calendar month preceding the month in which the billing period begins. (Our business days are 
Monday through Friday, excluding holidays.)    

•  Any variable APR will increase on the first day of the billing period after the Index increases. 
•  An increase or decrease in the APR will result in a corresponding increase or decrease in the amount 

of interest and may increase the Total Minimum Payment. 

Other fees and charges 
You agree to pay the following fees and charges: 
•  Late  Fee:  If  you  don’t  pay  at  least  the  Total  Minimum  Payment  by  the  Payment  Due  Date,  we  will 

charge you a late fee. 
o  The fee is $28 if you were not charged a late fee during any of the prior six billing periods. 
o  Otherwise, the fee is $39. 
o  This fee will not exceed the amount permitted by applicable law. 

•  Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any 

reason. 
o  The fee is $28 if you were not charged a returned payment fee during any of the prior six billing 

periods. 

o  Otherwise, the fee is $39. 
o  This fee will not exceed the amount permitted by applicable law. 

•  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), subject to any limitations of applicable law: 
o  Statement copy - $6 
o  Sales/Credit Draft copy - $6 
o  Check/Money Order copy - $6 

•  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,  subject  to  any  limitations  of 
applicable law. Currently, that fee is up to $15 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. 

E. Other important information  
Collection costs 
You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys’ fees 
and court costs incurred by us or another person or entity, to the extent not prohibited by applicable 
law and except as provided below. 
•  AL Residents: We will not charge attorneys’ fees if your unpaid balance is $300 or less. 
•  MD Residents: We will not charge you for costs other than attorneys’ fees. 
•  NH Residents: Reasonable attorneys’ fees may be awarded to you if you prevail in any action by or 

against us. 

•  WI Residents: If legal action is taken, we may seek statutory attorneys’ fees and costs, which you 

will pay if they are granted by the court. 

Changes 
We may add, change, or delete the terms of your Account. If required by applicable 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 
You agree to notify us immediately of any changes to your name, mailing address, electronic mail address 
or telephone number(s). 
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 will not lose our rights under this Agreement because we delay or do not enforce 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. 
Notice to New Jersey Residents 
All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
F. Disputes and Reporting to Consumer Reporting 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.  Upon 
request,  we will tell  you the name and address of  any consumer reporting agency  that furnished  a 

report on you. You consent to the obtaining of such reports by signing or otherwise submitting an 
application or solicitation. 

•  You understand that we may report negative information (such as, late payments, missed payments, or 

other defaults) about your Account to consumer reporting agencies. 

•  You give us permission to provide information about your Account to consumer reporting agencies 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, Ohio 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, 
Ohio 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. 
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, Ohio 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 Debt Cancellation (as applicable) 
•  Purchasing Account Assure is optional. 
•  Enrolling in Account Assure does not affect the terms of your existing credit agreement. 
•  The  Account  Assure  fee  is  based  on  your  monthly  statement  balance,  which  is  your  balance  on  the 

last day of each billing period. 

•  You will receive terms and conditions, which you should carefully read for all benefit details and 

exclusions.  

•  You may cancel Account Assure at any time. 
•  If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account 
Assure benefits for your present situation; however, you may be eligible for other benefits based 
on future events.   

2. 

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, independent contractors, contractors, debt collectors or 
collection agencies,  and  to anyone  to whom we  may  sell your Account, to  communicate with you  in any 
way, such as calling, texting, or email via: 
1. 

Your cell, landline, text number or any number you provide, use to contact us, or any number which 
you  may  utilize,  or  to  any  other  device  or  service  for  which  you  may  be  charged  for  the  call, 
including, but not limited to, Voice Over Internet Protocol (“VOIP”); 
Any email address you provide to us or any other person or company that provides any services in 
connection with this Agreement; 
Automated telephone dialing systems; 
Pre-recorded or artificial voice messages and any other form of communication. 

3. 
4. 
You  also agree that these communications  aren’t unsolicited  for  purposes of any state or federal law 
and you understand that communications may result in additional mobile, text message, data charges or 
other 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. 

Communication in Languages Other Than English 
You agree to receive all communications and correspondence relating to your Account in English. We may, 
at our option, communicate with you and/or provide translated documents in a language other than English. 
Any such communications or documents are provided solely as a courtesy. We may stop communicating with 
you in non-English languages and/or providing translated documents at any time. While we have attempted 
to ensure the accuracy of our translations, we are not liable for any inaccuracies in translation or 
for  any  misunderstandings  due  to  differences  in  language  usage  or  dialect.  In  the  event  of  any 
inconsistencies between the English version and the translation, the English version will control. 
For Wisconsin residents: 
If  you  are  married,  please  contact  us  immediately  upon  receipt  of  this  Agreement  at  1-855-506-2499  
(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, Ohio 43218-2125. 
I. Arbitration and jury trial waiver 

For Covered Borrowers under the Military Lending Act (MLA) 

The MLA prohibits us from requiring you to submit to arbitration as a condition of extending credit.  
For additional information see Section J below. 
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,  “Claim”),  the  party  asserting  the  Claim 
(“Claimant”) shall give the other party (“Defendant”) written notice of the Claim (“Claim Notice”) 
and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you 
shall be sent 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 and explain the nature of the Claim and relief 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 Defendant 
reasonably requests. 
C. Arbitration provision 
READ THIS PROVISION CAREFULLY.  IF YOU DO NOT REJECT IT 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 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1. 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 your name 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, Ohio 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 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:  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, and/or 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 (“Class Action Waiver”), 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”), 
120 Broadway, 21st Floor, New York, NY 10271, www.adr.org; JAMS, 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 (Class Action Waiver):  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:    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  (“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. 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.  Result  and  Appeals:  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 and/or the rules of the Administrator. Any finding, award or judgment from an arbitration 
of  any  Claim  shall  apply  only  to  that  arbitration.  No  finding,  award  or  judgment  from  any  other 
arbitration shall impact the arbitration of any Claim. 
12. 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 and the applicable arbitration rules or the other provisions of this Agreement, 
this Arbitration Provision shall govern.  This Arbitration Provision replaces any Prior Arbitration 
Agreement. 
13. Severability: If any portion of this Arbitration Provision is held to be invalid or unenforceable, 
the remaining portions shall nevertheless remain in force, subject to two exceptions. First, if a 
determination is made that the Class Action Waiver is unenforceable, and that determination is not 
reversed on appeal, then the Arbitration Provision shall be void in its entirety. Second, if a court 
determines that a public injunctive relief Claim may proceed notwithstanding the Class Action Waiver, 
and that determination is not reversed on appeal, then the public injunctive relief Claim will be 
decided by a court, any individual Claims will be arbitrated and the parties will ask the court to 
stay the public injunctive relief Claim until the other Claims have been finally concluded. 
14. Special Payment:  If (1) you submit a Claim Notice in accordance with Paragraph B above on your 
own behalf (and not on behalf of any other party); (2) we refuse to provide you with the relief you 
request before an arbitrator is appointed; 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). 
J. Important Information for Covered Borrowers under the Military Lending Act 
•  For  New Accounts  - Federal law  provides important protections  to  members  of  the Armed Forces and 
their dependents relating to extensions of consumer credit. In general, the cost of consumer credit 
to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate 
of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs 
associated with credit insurance premiums; fees for ancillary products sold in connection with the 
credit transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain participation 
fees for a credit card account). 

•  A “Covered Borrower” is a consumer who, based on the determination made in accordance with 32 CFR 
Part 232.5, is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members 
and  Dependents  under  32  C.F.R.  Part  232.   Your  first  statement  will  indicate  whether  you  are  a 
Covered Borrower, based on a review of the Department of Defense’s database and/or a report from a 
consumer-reporting  agency.  If  you’re  a  Covered  Borrower,  we  will  notify  you  in  writing  no  later 
than 60 days after the determination made in accordance with 32 CFR Part 232.5.  

•  This  Agreement  shall  be  interpreted  to  comply  with  the  Military  Lending  Act,  including  its 
restrictions on permissible loan terms and limitations on interest and fees. If you are a Covered 
Borrower:  (a)  the  Arbitration  Provision  and  jury  trial  waiver  shall  not  apply  to  you;  (b)  any 
interest  or  fees  in  excess  of  the  permitted  limit  shall  be  reduced  by  the  amount  necessary  to 
satisfy that limit and any amounts collected in excess of the permitted limit shall be refunded by 
crediting your Account or  by making  a direct payment to you; and (c) any other provision  of this 
Agreement that is inconsistent with the Military Lending Act shall not apply to you. 

•  To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free 

at 1-866-230-0418; TDD/TTY 1-800-695-1788. 

366ALL091917 
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Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual  Percentage  Rate 
(APR)  for  Purchases 

How  to  Avoid  Paying 
Interest 

Prime rate plus 22.74%. 
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. 

Minimum  Interest  Charge 

If  you are charged  interest,  the  charge  will  be  no less  than  $2.00  per 
credit  plan. 

  Fees 

•  Annual  Fee 
Penalty  Fees 
•  Late  Payment 
•  Returned  Payment 

None 

Up to $39.00 
Up  to $39.00 

Balance Computation Method  We  use a  method  called  "daily  balance."