6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 1/26Important Information Regarding Electronic
Communication
Read this information carefully and keep a copy
for your records
Prior to applying for a Gardner-White Furniture Credit Card account, Comenity Capital Bank requests your consent to provide you
important information electronically .
You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding
your Gardner-White Furniture Credit Card account application in electronic form. These disclosures include, but are not limited
to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.
You agree to keep us updated at all times with your current contact information. If your contact information has changed
please contact us at 1-866-327-4367  (TDD/TTY : 1-888-819-1918 ).
This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account
Center .
At your request, we will provide you with paper copies of these disclosures. Y ou have the right to withdraw consent, without a
fee. Please call us at 1-866-327-4367  (TDD/TTY : 1-888-819-1918 ) to withdraw your consent to receive electronic 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. Y ou may download it for free at https://get.adobe.com/reader/ .
Visit the Common Security Questions  page for additional web browser information. 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.
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.
Note: Y our Gardner-White Credit Card account is issued by Comenity Capital Bank Please review Comenity Bank's Financial
Privacy Policy  and Online and California Privacy Policy  for more information. California Residents: Submit a Data Request Form to 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 2/26make a Do Not Sell My Personal Information  request.
Rate and Fee Summary
This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Gardner-White Credit Card Account.
Read it and keep it.
Interest Rates and Interest
Charges
Annual Percentage Rate (APR)
for Purchases28.99%
How to Avoid Paying InterestYour due date is at least 25 days after the close of each billing period. We will not
charge you interest on purchases if you pay your entire balance by the due date
each month. If you do not, you will not get a grace period on purchases again until
you pay the entire balance by the due date for two billing periods in a row.
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
BureauTo 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://ww
w.consumerfinance.gov/learnmore.
Fees
Annual Fee None
Penalty Fees
� Late Payment
� Returned PaymentUp to $40
Up to $40 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 3/26How We Will Calculate Your Balance: We use a method called �daily balance (including current transactions).� Review
your Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your
Agreement.
Wisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact
Us section below and give us your spouse�s name and address.
Print Date: This Summary was printed June 2021. The information was accurate as of that date but may have changed. To find out more,
contact us at the General mailing address or phone number in the How to Contact Us section below.
Issuer Name: Your Card is issued by Comenity Capital Bank.
Governing Law: This loan is made in Utah and this Agreement is governed by Utah and federal law.
Rate Information: The following chart provides details on your rates as of the Print Date shown above. If this Agreement was provided
at point of sale, review the Agreement with your welcome package for variable rate information in effect within 30 days of mailing.
APR Daily Periodic Rate Margin
Purchases 28.99% 0.07942% N/A
Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and
annually thereafter. We will refund this fee if you close your Account within 30 days of the mailing or delivery date of the statement on
which the fee appears. The fee is otherwise non-refundable.
Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $29 if you were not charged a
Late Fee during the prior six billing periods. Otherwise, it is $40. This fee will not exceed the amount permitted by law.
Returned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored
on resubmission. The fee is $29 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise,
it is $40. This fee will not exceed the amount permitted by law.
Alternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If you do, we may charge a fee.
Currently, that fee is up to $15. We�ll let you know the current fee before you authorize any payment and you can withdraw your request
if you don�t want to pay the fee.
Promotional Credit Plans for Gardner-White Credit Card: Purchases made at a participating Gardner-White location or the Gardner-
White website on a Gardner-White Credit Card Account may qualify for a Promotional Credit Plan as described below. As of the Print
Date, your Purchase APR is 28.99%. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 4/26Current offers may include:
Deferred Interest, Low Payment: No interest if paid in full within 6, 9, 11, 12, 15, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30,
31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, or 72 months. Interest
will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in full within the promotional
period.
Low APR, Equal Payment: 4.99% APR for 36 months; 9.99% APR for 60 months; 10.99% APR for 60 months. After that the Purchase
APR will apply to any remaining plan balance.
Waived Interest, Equal Payment: No Interest for 6, 9, 12, 15, 18, 20, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39,
40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 72, 84, or 96 months. After that the Purchase APR
will apply to any remaining plan balance.
Applicable to All Promotional Credit Plans
Available plans and offer terms are subject to change. Plan availability may be limited to certain locations or web
purchases. For more information, visit a participating Gardner-White location or the Gardner-White website.
Minimum payments are required for each Credit Plan. Review the Minimum Payment section below for more details.
Minimum payments are not guaranteed to pay the promotional plan balance within the promotional period. You may have to pay
more than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the
promotional period ends.
Your minimum payment may be higher than if you did not select promotional financing.
Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit
Plan, subject to a separate minimum purchase requirement and minimum interest charge.
Minimum Payment: You may pay the entire Account balance at any time. You must pay at least the Minimum Payment each billing period
by the Due Date on your statement.
If the New Balance on your statement is less than $10, the Minimum Payment is the New Balance. If the New Balance is more than $10,
the Minimum Payment is the Past Due amount plus the sum of the amounts due on each Credit Plan as follows:
4% of plan balance at end of billing period rounded to nearest $1 (minimum $5) 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 5/26Regular Purchase, Deferred Interest,
Payment Required and Waived Interest,
Payment Required
Deferred Interest, Equal Payment and
Waived Interest, Equal PaymentPurchase amount divided by number of months in promotional period rounded up to nearest
$1 (minimum $5)
Low APR, Equal PaymentPurchase amount including calculated interest charges from purchase date through end of
promotional period divided by number of months in promotional period rounded up to
nearest $1 (minimum $5)
Deferred Interest, Low Payment and
Waived Interest, Low Payment1% of plan balance at end of billing period rounded to nearest $1 (minimum $5)
Budget Payment or Open Charge Budget
PaymentMonthly payments of $49, $99, $149, $199 or $299, as specified in offer based on
transaction amount
Open Charge (except Open Charge Budget
Payment)Dependent upon above for corresponding Credit Plan
If your balance increases during the Open Charge Period, your Minimum Payment will
increase
How to Contact Us:
Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436
Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422
Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043
Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620
Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120
Disputed Debts 6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004
GeneralCredit Card Customer Care:
� Gardner-White: 1-866-327-4367
� TDD/TTY: 1-888-819-1918
� comenity.net/gardner-white
� Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003
When writing, include your name, address, phone number and Account number.
Credit Card Agreement 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 6/26This Agreement, including the Summary, is your contract with us. Read it and keep it.
Acceptance: You accept this Agreement if you use the Account or you do not cancel your Account within 30 days after delivery of the
Agreement. Your signature on any application or solicitation for this Account or other evidence of indebtedness on your Account is your
signature on this Agreement.
Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration
Provision. If you do not, it will be part of this Agreement.
Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. We will give you advance
notice and a right to reject, if required by law.
Definitions
Account: the credit card account with us under this Agreement.
Authorized User: any person you allow to use your Account.
Card: one or more cards or access devices, including your Account number or virtual card, we issue to you, or someone you authorize,
to get credit under this Agreement.
Cash Advance: if applicable, the use of your Account to:
get cash from an ATM, financial institution or other location;
buy lottery tickets, money orders, foreign currency, gift cards or similar items;
get cash or pay someone using a check we offer for that purpose;
make any other transaction the merchant codes as a cash advance, money transfer or gambling.
Balance transfers are Cash Advances unless we tell you otherwise.
Credit Plan: each balance subject to different financing terms, such as regular purchases, Cash Advances, and promotional plans.
Margin: the amount added to the Prime Rate to determine a variable APR.
Prime Rate: the U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the last business day of the calendar month. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 7/26We, us or our: the issuer of your Card and its successors and assignees.
You, your or yours: each person who submits an application or solicitation for an Account and any other person contractually liable
under this Agreement.
Using Your Account
Your AgreementYou agree to use your Account in accordance with this Agreement. You agree to pay us for all amounts due on
your Account, including charges made by Authorized Users. You agree not to use your Account for illegal
transactions.
Use of AccountYou may use your Account to make purchases anywhere the Card is accepted. If your Card has the logo of one
of our network providers (e.g., Visa and Mastercard), you may use your Account to make Cash Advances.
Authorized UsersYou may request Cards for Authorized Users. You must notify us if you wish to cancel the authority of an
Authorized User to use your Account.
Joint AccountsIf this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed. Any
notice we send to either of you will serve as notice to both of you.
Credit AuthorizationsWe may decline to authorize a transaction for any reason. We will not be liable to you if we do or if anyone
refuses any use of your Card.
Credit LimitWe will tell you your credit limit or limits. Keep your balance below your credit limit or limits. If you do not, you
must still pay us. We may change your credit limit or limits at any time, without notice.
Promotional Credit
PlansWe may offer special financing terms, such as deferred interest, waived interest, low APR or equal payment
options. The Credit Plan or Plans will be subject to the terms of the offer and this Agreement.
Electronic AccessApplications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit
under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use.
We are not responsible for any consequences from your violation of those terms.
APRs and Interest Based on APRs
Review your Summary for the APRs that apply to your Account
Variable APRsWe add the applicable Margin specified in the Rate Information chart on the Summary to the Prime Rate to
determine Variable APRs. Variable APRs increase or decrease when the Prime Rate changes but will not exceed
any Maximum APR specified in the Rate Information chart.
Any APR change will take effect on the first day of the billing period that begins after the Prime Rate changes.
Increased APRs will increase your interest charges and may increase your Minimum Payment. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 8/26Daily Balance Method
(including current
transactions)We calculate interest for each Credit Plan each day by applying the applicable daily periodic rate to the daily
balance. The daily periodic rate is the APR for the Credit Plan divided by 365.
We start with the beginning balance each day (including unpaid interest and fees).
We add new transactions and fees to the applicable Credit Plan. We add transaction fees to the same Credit
Plan as the transaction. We add all other fees to the regular purchase Credit Plan.
We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the
partial daily balance.
We multiply the partial daily balance by the daily periodic rate to get the daily interest.
We add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding
of interest.
We add all the daily interest to get the total interest for the Credit Plan for the billing period. For a Deferred
Interest Credit Plan, this interest is deferred.
We round interest to the nearest cent.
InterestCharging Interest: Interest begins on a transaction, fee or interest from the day added to the daily balance until
paid in full.
How to Avoid Paying Interest on Regular Purchases (Grace Period): If you did not have a Previous Balance,
or if you paid the New Balance on your previous statement by the Due Date on that statement, we will not
charge interest on new regular purchases, or any portion thereof, paid by the Due Date on your current
statement. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those
balances from the amount you have to pay in a billing period to keep your Grace Period. However, you must pay
(i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full
amount of any promotional Credit Plan that expires in that billing period.
You Could Lose Your Grace Period: If you do not pay your New Balance in full each billing period, then,
depending on how we apply your payment, you may not get a Grace Period on new regular purchases. Once you
lose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or
balance transfers as described above plus any interest charged up to the date the payment posts) in full for two
billing periods in a row.
Waived Interest Credit Plan: We do not impose interest on plan balances during the promotional period. After
the promotional period, any remaining balance is added to the regular purchase balance and is subject to interest
at the then-current rate for regular purchases.
Deferred Interest Credit Plan: Interest accrues on plan balances from the transaction date. We do not impose
that interest if you pay the balance in full by the end of the promotional period. After the promotional period, any
remaining balance and interest from the transaction date is added to the regular purchase balance and is subject
to interest at the then-current rate for regular purchases. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 9/26Payments
Payment InstructionsWe credit payments in accordance with the terms on your statement. Review your statement for details.
Pay in U.S. dollars, in funds on deposit in the U.S. If you don�t, we may refuse your payment or charge you our
costs to collect the funds.
How We Apply
PaymentsWe apply payments up to the Minimum Payment at our discretion, which may result in balances at lower APRs
being paid first and higher interest charges. Payments over the Minimum Payment will be applied in accordance
with law.
Other Information
DefaultYou are in default if:
� you fail to comply with this Agreement or any other agreement with us or an affiliate;
� a bankruptcy or other insolvency proceeding is filed by or against you;
� we reasonably believe you are unable or unwilling to repay us;
� you die or are legally incompetent or incapacitated;
� you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem
necessary.
If you are in default, we may declare the entire balance immediately due and payable without notice.
Collection CostsIf we use an attorney to collect your Account, we may charge you our costs if and as permitted by law. These
may include reasonable attorneys� fees and court costs.
Privacy PolicyYou authorize us to share information about you and your Account as permitted by law. Review our Privacy
Statement for details about our information sharing practices.
Credit ReportingWe may check your credit, employment and income records in connection with an application, update, renewal or
extension of credit on your Account (including collections and dispute investigations). You consent to our
obtaining such records by submitting an application or solicitation. Upon request, we will tell you the name and
address of any credit reporting agency that furnished a report on you. We may report Account status and
payment history to credit reporting agencies, other creditors and the company whose name or brand appears on
your Card.
Unauthorized UseNotify us immediately at the General mailing address or phone number in the How to Contact Us section of the
Summary and assist us in our investigation if your Card is lost or stolen or you believe someone is using your
Card without your permission.
Closing Your AccountYou may close your Account at any time. You remain responsible for any amount owed under this Agreement. We
may close, suspend or not renew your Account at any time, for any reason, without notice.
Foreign Transactions 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 10/26If applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., Visa
and Mastercard) using their procedures in effect when the transaction is processed. Currently, they use a
government-mandated or wholesale rate. These procedures may change without notice.
The conversion rate you get may differ from the rate on the transaction or post date and from the rate our
network provider gets. A third party may convert a transaction into U.S. dollars or another currency, using a rate
they select, before sending it to our network provider.
For any transaction made or processed outside the U.S. or in a foreign currency, we charge a fee in the amount
on the Summary. 
Conformance with
Law; SeverabilityIf any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform
to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise
noted in the Arbitration Provision.
No Waiver We will not lose our rights under this Agreement because we delay or do not enforce them.
AssignmentWe may assign any or all of our rights and obligations under this Agreement to a third party. You may not assign
any of your rights or obligations under this Agreement.
New Jersey ResidentsAll provisions of this agreement are valid, enforceable and applicable in New Jersey.
Communications with Us
Monitoring and Recording: Your communications with us and our affiliates, servicers, agents and contractors may be monitored or
recorded. Inform Authorized Users and persons acting on your behalf or making payments on this Account of this provision.
Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including collection
agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via:
any phone number you give us even if the number is or converts to a mobile phone number;
any other number you provide, use to contact us or may utilize;
any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and
any email address you provide to us or any other person or company that provides any services in connection with this Agreement.
Subject to any restrictions of applicable law, we may contact you using automated telephone dialing systems and/or pre-recorded or
artificial voice messages and any other form of communication. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 11/26Communications may result in additional mobile, text message, data or other charges.
You may change your preferences by calling the General phone number on the Summary.
Disputed Debts: All written communications about disputed amounts, including any check or payment instrument marked �payment in full�
or similar, must be sent to the address for Disputed Debts on the Summary. We may accept payments sent to any other address without
losing our rights.
Bankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the
Summary.
Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on Account
Center immediately upon changing your name, email address, mailing address or phone number.
Communication in Languages Other Than English: You agree to receive all Account communications in English. We may, at our option,
communicate with you in other languages as a courtesy. We may stop communicating with you in non-English languages at any time.
While we try to ensure accuracy of translations, we are not responsible for any inaccuracies in translation or misunderstandings due to
differences in usage or dialect. In the event of inconsistency between the English version and the translation, the English version will
control.
Notice for Active Duty Military Members and Their Dependents
The following disclosures apply to you if, in connection with opening your Account, we determine you are a �covered borrower� as
defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents:
The provision of this Agreement titled �Arbitration and Jury Trial Waiver� does not apply to you.
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).
To hear information about these protections and a description of your payment obligations, call toll free at 1-866-230-0418 (or at
the General TDD/TTY number on the Summary). 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 12/26Arbitration and Jury Trial Waiver
Key ProvisionsPlease review the following important provisions carefully. Pay special attention to Paragraphs:
� A: Jury Trial Waiver;
� C: Arbitration Provision;
� C.1: Right to Reject;
� C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and
� C.7: Class Action Waiver.
A. Jury Trial WaiverTo 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 CurePrior 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 the address
for Arbitration Claims on the Summary (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
ProvisionReview this provision carefully. If you do not reject it in accordance with Paragraph C.1, Right to Reject,
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 RejectIf 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 the address for Arbitration
Rejection on the Summary. 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. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 13/262. Parties Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms �we,� �us� and �our�
mean
a. the issuer of your Card named on the Summary and its successors and/or assigns, as well as any parent,
subsidiary or affiliate of theirs and their employees, officers and directors (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 on 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, Prohibitions Against Certain
Proceedings (Class Action Waiver), Paragraph C.13, Severability, 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
ArbitrationArbitration 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. 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 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 14/26Provision 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
RightsIf 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 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:
a. 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;
b. neither you nor we may act as a private attorney general in court or in arbitration;
c. Claims brought by or against you may not be joined or consolidated with Claims brought by or against
any other person; and
d. 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 CostsAny 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 LawThis 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. DiscoveryIn 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 AppealsJudgment 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. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 15/2612. 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. SeverabilityIf 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 PaymentThe arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled) if:
a. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure, above on your own behalf (and
not on behalf of any other party);
b. we refuse to provide you with the relief you request before an arbitrator is appointed; and
c. an arbitrator subsequently determines that you were entitled to such relief (or greater relief).
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 the address for Billing Errors on the Summary
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: 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 16/26Within 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. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 17/26If 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 the address for Billing Errors
on the Summary.
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.
Pricing Addendum
Interest Rates and
Interest Charges
Annual Percentage Rate
(APR) for Purchases28.99% 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 18/26How to Avoid Paying
InterestYour due date is at least 25 days after the close of each billing period. We will not charge
you interest on purchases if you pay your entire balance by the due date each month. If
you do not, you will not get a grace period on purchases again until you pay the entire
balance by the due date for two billing periods in a row.
Minimum Interest
ChargeIf you are charged interest, the charge will be no less than $2 per credit plan.
Fees
Annual Fee None
Penalty Fees
� Late Payment
� Returned PaymentUp to $40
Up to $40
Balance Computation
MethodWe use a method called "daily balance (including current transactions)."
Please review the Important Information and
Terms about opening an account prior to
submitting your application.
To apply you must:
Be at the age of majority in your state or territory;
Have a valid government-issued photo ID;
Have a valid government issued tax identification number , such as a Social Security number (SSN) or Social Insurance
Number (SIN); 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 19/26Have a street, rural route, or APO/FPO mailing address. W e do not accept PO Box mailing addresses.
You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by
Gardner-White Furniture.
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. W e may also ask
for your driver's license or other identifying documents.
California Residents:
If you are married, you may apply for a separate account.
Ohio Residents:
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 .
New Y ork, Rhode Island and V ermont Residents:
We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of
credit. 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.
Wisconsin Residents:
No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court
order under Section 766.70 adversely af fects the interest of the creditor , Comenity Capital Bank, unless the Bank, prior to the
time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse
provision when the obligation to the Bank is incurred.
If you have been preapproved, see below for details of your of fer.
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� of fer of credit is based on information in your credit report indicating
that you meet certain criteria. This of fer is not guaranteed if you do not meet our criteria. If you do not want to receive
prescreened of fers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688 ; 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 20/26or write: Experian, PO Box 919, Allen, TX 75013; T ransUnion, PO Box 505, W oodlyn, P A 19094; Equifax, PO Box 740123,
Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, P A 15230-
0495 .
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)
To hear this Military Lending Act disclosure and the payment obligations thereunder , call toll free at 1-866-230-0418 ; (TDD/TTY : 1-888-
819-1918 ).
I am applying to Comenity Capital Bank for , and hereby request, a Gardner-White Furniture Credit Card account for personal, family or
household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true
and correct. I 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 Gardner-White Furniture Credit Card account account agreement. I acknowledge that
I will receive a Gardner-White Furniture Credit Card account account agreement upon approval. I also acknowledge that there is no
agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the
Gardner-White Furniture Credit Card account account agreement at its of fice in Utah and that the Gardner-White Furniture Credit Card
account account agreement is deemed to be made in Utah. Credit Card are issued and credit is extended by Comenity Capital Bank,
Salt Lake City , Utah.
Please note:
By submitting this credit application, you are agreeing to the following with respect to certain consumer information about
you.
You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Gardner-White Furniture
Credit Card account. Y ou hereby authorize us to furnish, if your application is approved, information concerning your account to credit
bureaus, other creditors and Gardner-White Furniture Credit Card account.
Check your information before submitting. W e 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. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 21/26Financial Privacy Policy
http://www .comenity .net/gardner -white/images/privacy .pdf (PDF)
You need Adobe Reader to view PDF files. Y ou may download  it for free from Adobe.
FACTSWHAT DOES COMENITY DO WITH YOUR PERSONAL
INFORMATION?
Why?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.
What?The types of personal information we collect and share depend on the product or
service you have with us. This information can include: 
Social Security number and income 
Account balances and transaction history 
Credit history and credit scores
How? All financial companies need to share customers' personal information to run their
everyday business. In the section below, we list the reasons financial companies 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 22/26can share their customers' personal information; the reasons Comenity chooses to
share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes
Comenity
share?Can you limit
this 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 bureausYes No
For our marketing purposes- such as to offer our products and services
to youYes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes-information about your
transactions and experiencesYes No
For our affiliates' everyday business purposes-information about your
creditworthinessYes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 23/26To limit our
sharingOur menu will prompt you through your choices: 
Comenity Bank customers: Call 1-800-220-1181 (TDD/TTY 1-800-695-1788) 
Comenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-819-
1918) 
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? 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. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 24/26What 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 anYour choices will apply to everyone on your account. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 25/26account I hold jointly
with someone else?
Definitions
AffiliatesCompanies 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.
NonaffiliatesCompanies 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 marketingA formal agreement between nonaffiliated financial companies that together
market financial products or services to you. 
Our joint marketing partners may include lenders and insurance companies. 6/7/2021 Gardner-white Credit Card - Legal Docs - Credit Card Agreement
https://d.comenity .net/gardner-white/pub/requestCca/requestCca.xhtml 26/26Other important information
We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or
California.