IMPORTANT NOTICE FOR CUSTOMERS THAT OPENED THEIR                       20649I022	(07/14)
 HP	0614-449	PO	#0094016956;	Overall	Size:	9	panel.	8.5	x	29.75,	Paper:	40	#	Finch	opaque	smooth,	Color:	Black	both	sides,	Font	Size	used:	CCA	8pt,	Privacy	10pt	&	12pt;	10pt	type	in	boxes;	12pt	headers	and	16pt	APR;	Fonts	used:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no2,	bold	no2	oblique),	Zapf	Dingbats.
  ACCOUNT VIA TELEPHONE.
                                              o  We may accept a payment sent to any other address without losing any 
  Please see the enclosed Credit Card Account Agreement for the  of our rights.
  Terms and Conditions (Terms) of your new credit card account.  o  No payment shall operate as an accord and satisfaction without our 
  Customers that opened their accounts via telephone will have up  prior written approval.
  to 25 days from the date of application to review these Terms and  B. Keeping your account in good standing
  either accept or reject them. You do not have to take any action  Avoiding default
  if you accept these Terms.                You�ll be in default under this Agreement if you:
                                            �	 Fail	to	make	any	payment	when	due
  If you do not want to accept these Terms, you must contact the 
                                            �	 Violate	any	provision	of	this	Agreement
  bank at 1-855-497-8167 (TDD/TTY 1-800-695-1788) within  �	 Pass	away
  the 25 day period. Any purchases that may have posted to your  �	 Become	the	subject	of	bankruptcy	or	insolvency	proceedings
  account will be removed and your account will be closed. You will  �	 Supply	us	with	misleading,	false,	incomplete	or	incorrect	information
  then be required to make arrangements with the merchant with  �	 Are	unable	or	unwilling	to	perform	the	terms	or	conditions	of	this	Agreement
  an alternate means of paying for any purcahses you have made  �	 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	
  or the return of any purchase(s) you have made at no cost to you.
                                              af?liates
  This right to reject is only applicable to those customers that  �	 Become	incompetent
  opened their accounts via telephone.      �	 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	
  Your Haband VIP Credit Card account agreement. charges,	close	your	Account,	require	you	to	pay	the	full	amount	you	owe	im-
  This	Agreement	covers	the	Terms	and	Conditions	of	your	account	 mediately	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	
  with	us.	In	this	document,	you	will	?nd	important	information	
                                            your default.
  about	 using	 and	 managing	 your	 account,	 including	 a	 Privacy	 Reporting a lost or stolen card (as applicable)
  Statement	and	information	concerning	your	billing	rights.	Your	 If	you	notice	the	loss	or	theft	of	your	credit	card	or	a	possible	unauthorized	use	
  use	of	the	account,	or	failure	to	close	the	account	within	the	 of	your	card,	you	should	write	to	us	immediately	at	PO	Box	183003,	Columbus,	
  30	days	of	receiving	this	document,	indicates	your	acceptance	 Ohio	43218-3003	or	call	us	at	1-866-482-4479		(TDD/TTY:	1-888-819-1918).	
  of	the	terms	of	this	agreement,	including	the	assessment	of	any	 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.	
  interest charges and fees.
                                            In	any	case,	your	liability	will	not	exceed	$50.
  Section I of this Agreement also includes a Jury Trial Waiver and 
                                            C. Learning more about your account
  an Arbitration Provision in the event of a dispute.
  �	 You have a right to reject this Arbitration Provision. Credit Plans
                                            �	 Your	Account	may	consist	of	a	non-promotional	(�Regular	Revolving�)	Credit	
  �	 If you do not reject this Arbitration Provision, it will be part 
                                              Plan	and	one	or	more	promotional	Credit	Plans.	Credit	Plans	offered	and	
     of this Agreement and will:
                                              their	particular	features	(including	but	not	limited	to	minimum	purchase	re-
     o  Eliminate your right to a trial by jury; and quirements	and	minimum	payment)	may	vary	occasionally	at	our	discretion	
     o  Substantially affect your rights, including your right to  and	include	one	or	more	Regular	Revolving	or	promotional	Credit	Plans.
       bring, join in or participate in class proceedings. �	 We	may	offer	different	promotional	Credit	Plans	from	time	to	time.
  Please	read	each	section	carefully	and	keep	this	document	for	 �	 If	a	promotional	Credit	Plan	is	offered	at	the	time	you	open	your	Account,	
  your records.                               this	Agreement	will	include	information	about	the	terms	for	the	Plan,	by	use	
                                              of	an	insert,	attachment,	or	other	written	information	provided	as	part	of	this	
  In the following sections, you will ?nd information on: Agreement.
  Financial terms of your account:	An	at-a-glance	summary	of	the	fees	and	charges	 �	 Normal	late	fees,	returned	payment	fees	and	all	other	provisions	apply	to	
  associated with your account                any	promotional	Credit	Plan,	unless	inconsistent	with	a	particular	Credit	
  A.  Getting started:	the	basics	of	your	account Plan	offering.
  B.  Keeping your account in good standing:	avoiding	default,	and	what	to	do	if	 �	 If	the	promotional	Credit	Plan	purchase	isn�t	paid	in	full	before	the	promo-
     your	card	is	lost	or	stolen,	as	applicable tional	period	ends,	the	balance	will	be	transferred	to	your	Regular	Revolving	
  C.  Learning more about your account:	credit	plans,	and	credit	limits,	and	how	 balance.
     payments are calculated and applied    �	 Promotional	Credit	Plans	may	include:
  D.  Interest, fees and charges:	when	and	how	fees	and	costs	are	applied	to	your	 o	 Waive	Interest,	Payment	Required	 o	 Defer	Interest,	Payment	Required
     account                                  o	 Waive	Interest,	Equal	Payment	 o	 Defer	Interest,	Low	Payment
  E.  Other important information:	 legal	 rights,	 costs,	 and	 how	 we�ll	 handle	 o	 Waive	Interest,	Low	Payment	 o	 Low	APR,	Equal	Payment
     changes to your account                  o	 Defer	Interest,	Equal	Payment	 o	 Budget	Payment
  F.  Disputes and reporting to consumer reporting agencies:	data	we	provide,	 Skip-payment option
     and	receive	from,	consumer	reporting	agencies,	and	what	to	do	if	you	think	 �	 At	our	discretion,	we	may	allow	you	to	skip	making	the	Minimum	Payment.
     there is an error on your periodic statement �	 Interest	Charges	will	be	assessed	during	the	skip-payment	period,	but	a	late	
  G.  Optional products:	how	to	protect	your	account	from	fraud	or	theft,	and	 fee	won�t	be	imposed.		This	will	not	be	considered	a	waiver	of	any	of	the	
     information	on	services	that	can	help	pay	your	debt	in	case	of	emergencies rights	granted	by	this	Agreement.
  H.  Communicating with us:	what	happens	when	you	contact	us �	 All	other	terms	of	your	Account	apply	during	the	skip-payment	period.
  I.  Arbitration and jury trial waiver:	how	we�ll	resolve	disagreements,	including	 Credit limit
     a	jury	trial	waiver	and	Arbitration	provision
                                            �	 Your	Credit	Limit	is	the	total	maximum	amount	we	permit	you	to	owe	us	at	
  Privacy statement:	how	we	collect,	use,	share,	and	protect	your	personal	informa-
                                              any time.
  tion;	and	the	privacy	choices	you	can	make.
                                            �	 You	may	not	exceed	any	Credit	Limit	that	we	set	for	your	Account.
  Financial terms of your account           �	 If	you	do	exceed	your	Credit	Limit,	we	can	still	charge	you	for	all	transac-
                                              tions,	interest	and	other	charges	without	giving	up	any	of	our	rights	under	
   Interest Rates and Interest Charges        this	Agreement.
                                            �	 We	may	change	your	Credit	Limit	at	any	time.
               26.99%                       Account cancellation
   Annual Percentage 
   Rate (APR) for  This	APR	will	vary	with	the	market	based	 �	 You	may	cancel	your	Account.	You�re	still	obligated	to	pay	the	full	amount	
                                              you owe us.
   Purchases   on	the	Prime	Rate.
                                            �	 We	may	cancel	your	Account	at	any	time,	for	any	reason.
                                            �	 We	may	refuse	to	authorize	any	purchase	on	your	Account.	We	may	also	
               Your	due	date	is	at	least	25	days	after	 suspend	your	Account	and	your	right	to	use	your	Card,	including	each	Card	
                                              you give to others.
               the	close	of	each	billing	cycle.	We	will	
   How to Avoid                             �	 We	may	stop	offering	any	Credit	Plan	at	any	time,	for	any	reason.
               not charge you interest on purchases if 
   Paying Interest                          �	 Cancellation	or	suspension	of	your	Account	doesn�t	negate	your	obligation	to	
               you	pay	your	entire	balance	by	the	due	 pay any amount you owe us.
               date each month.             �	 Cancellation	of	your	Account	includes	each	Card	you	give	to	others.
                                            Minimum Payment
   Minimum Interest  If	you	are	charged	interest,	the	charge	
                                            �	 You	can	pay	all	of	your	Account	balance	at	any	time	without	
   Charge      will	be	no	less	than	$2.00	per	credit	
                                              penalty.
               plan                         �	 You	must	pay	at	least	the	Total	Minimum	Payment	for	each	billing	period	by	
                                              the	Payment	Due	Date	shown	on	your	Statement.
   For Credit  To learn more about factors to consider 
                                            �	 The	Minimum	Payment	is	the	total	of	the	minimum	payments	for	the	Regu-
   Card Tips from  when applying for or using a credit 
                                              lar	Revolving	and	promotional	Credit	Plans	plus	any	Past	Due	amounts.
   the Consumer  card, visit the website of the Consumer  �	 The	Total	Minimum	Payment	won�t	be	less	than	$20.00.	If	your	Account	
   Financial   Financial Protection Bureau at http:// balance	is	less	than	$20.00,	you	must	pay	the	amount	indicated	on	your	
   Protection Bureau www.consumer?nance.gov/learnmore. Statement	in	full.
                                            �	 The	minimum	payment	for	each	Credit	Plan	is	calculated	as	follows:
                                              o	 The	minimum	payments	for	Regular	Revolving	Credit	Plans,	Waive	In-
   Fees
                                                 terest,	Payment	Required	and	Defer	Interest,	Payment	Required	Credit	
   �	   Annual	Fee  None                         Plans	will	be	the	greater	of:
                                                   (a)	$5.00;	or
   Penalty Fees                                    (b)	5%	(rounded	to	the	nearest	$1.00)	of	the	New	Balance	shown	
   �	   Late	Payment Up to $35                     on	your	Statement	for	that	Credit	Plan.
   �	   Returned	Payment Up to $35            o	 The	minimum	payment	for	the	Waive	Interest,	Equal	Payment	and	De-
                                                 fer	Interest,	Equal	Payment	Credit	Plans	will	be	the	amount	of	the	pur-
  How We Will Calculate Your Balance: We use a method called  chase	divided	by	the	number	of	months	between	the	date	of	the	pur-
                                                 chase	and	the	promotional	period	end	date	(minimum	$5.00)	rounded	
  �daily	balance.�	See	your	Account	agreement	for	more	details.
                                                 up	to	the	nearest	$1.00.
  Billing Rights:	Information	on	your	rights	to	dispute	transactions	 o	 The	minimum	payment	for	the	Low	APR,	Equal	Payment	Credit	Plan	
  and	how	to	exercise	those	rights	is	provided	in	your	account	 will	be	the	amount	of	the	purchase	including	the	calculated	interest	
                                                 charges	that	will	be	assessed	from	the	date	of	purchase	through	the	
  agreement.
                                                 end	of	the	promotional	period	divided	by	the	number	of	months	be-
                                                 tween the date of the purchase and the promotional period end date 
  Rate Information:	The	following	chart	provides	details	on	your	rate	as	of	July	1,	 (minimum	$5.00)	rounded	up	to	the	nearest	$1.00.
  2014.	We	divide	the	APR	by	365	to	determine	the	daily	periodic	rate. o	 The	minimum	payment	for	the	Waive	Interest,	Low	Payment	and	Defer	
              Add	to	Index APR Daily	Periodic	Rate Interest,	Low	Payment	Credit	Plans	will	be	the	greater	of:
                                                   (a)	$5.00	or
   Purchase	APR 23.74% 26.99% 0.07394%             (b)	 1.0%	 (rounded	 to	 the	 nearest	 $1.00)	 of	 the	 New	 Balance	
                                                   shown	on	your	Statement	for	that	Credit	Plan.
  We�ll	charge	you	a	minimum	interest	charge	of	$2.00	per	credit	plan	for	any	 Payment application
  billing	period	in	which	interest	is	due.	For	additional	information,	see	Rates	in	 �	 We	reserve	the	right	to	apply	payments	equal	to	or	less	than	the	Total	Mini-
  Section	D.                                  mum	Payment	however	we	see	?t,	which	may	result	in	balances	subject	to	
  Minimum Payment:                            lower	interest	rates	being	paid	prior	to	other	balances.	This	may	also	result	
  The	amount	you	must	pay	each	billing	period	(�Total	Minimum	Payment�)	is	the	 in higher interest charges.
  total	of	minimum	payments	for	Regular	Revolving	and	promotional	Credit	Plan	 �	 Any	payment	you	make	in	excess	of	the	required	Total	Minimum	Payment	
  purchases	plus	any	Past	Due	amounts.	The	Total	Minimum	Payment	won�t	be	 will	be	allocated	to	your	Account	as	required	by	applicable	law.
  less	than	$20.00.	If	your	Account	balance	is	less	than	$20.00,	you	must	pay	the	 �	 Excess	payments	received	before	a	deferred	interest	promotion	expires	are	
  amount	indicated	on	your	billing	statement	(�Statement�)	in	full.	The	minimum	 applied	to	the	deferred	interest	promotional	balance	?rst	in	the	last	two	bill-
  payment	due	for	each	Regular	Revolving	Credit	Plan	will	be	the	greater	of:	 ing periods of the promotional period.
          (a)	$5.00;	or	
                                            D. Interest, fees and charges
          (b)	5%	of	the	New	Balance	shown	on	your	Statement	for	that	
          Credit	Plan	(rounded	to	the	nearest	$1.00).	 Interest charges
  See	Minimum	Payment	in	Section	C	below	for	promotional	credit	plan	minimum	 �	 If	 you	 make	 a	 purchase	 under	 a	 Regular	 Revolving	 Credit	 Plan,	 interest	
  payment calculations.                       charges	won�t	be	imposed	in	any	billing	period	in	which	(i)	no	Previous	Bal-
  The	APR	information	described	below	is	accurate	as	of	July	1,	2014.		Due	to	a	 ance	exists	or	(ii)	payments	received	and	credits	issued	by	the	Payment	Due	
  change	in	the	index,	this	information	may	have	changed.		To	?nd	out	more,	call	 Date,	equal	or	exceed	the	Previous	Balance.
  us	at	1-866-482-4479		(TDD/TTY:	1-888-819-1918),	or	write	us	at	Comenity	 �	 If	the	New	Balance	shown	on	your	last	Statement	isn�t	paid	in	full	by	the	
  Capital	Bank,	PO	Box	183003,	Columbus,	Ohio	43218-3003	or	visit	our	website	 Payment	Due	Date	shown	on	your	last	Statement,	there	will	be	an	interest	
  at	comenity.net/haband.                     charge on each purchase from the date of purchase.
  A. Getting Started                        �	 If	 you	 make	 a	 purchase	 under	 any	 Waive	 Interest	 Credit	 Plan,	 we	 won�t	
                                              charge	interest	on	the	purchase	if	you	pay	the	total	purchase	amount	be-
  De?nitions
                                              fore	the	end	of	the	promotional	period.	If	you	don�t	pay	the	total	purchase	
  In	this	Agreement,	�We,�	�Us�	and	�Our�	mean	Comenity	Capital	Bank.	�You�	 amount	before	the	end	of	the	promotional	period,	we�ll	add	the	remaining	
  and	�Your�	mean	each	person	who	submits	an	application	or	solicitation	for	an	 amount	to	your	Regular	Revolving	balance.	We�ll	also	begin	charging	inter-
  Account	 with	 us.	 �Account�	 means	 your	 credit	 card	 account	 with	 us.	 �Card�	 est on the purchase from the ?rst day after the promotional period ends.
  means	each	credit	card	we	issue	for	your	Account,	as	applicable.	�Credit	Plan�	 �	 If	you	make	a	purchase	under	any	Defer	Interest	Promotional	Credit	Plan	
  means	one	or	more	payment	program	options	Haband	may	ask	us	to	offer	from	 and	don�t	pay	the	total	amount	before	the	end	of	the	promotional	period,	
  time to time.                               we�ll	add	the	remaining	purchase	amount	and	the	amount	of	accrued	inter-
  Upholding your Agreement                    est	to	your	Regular	Revolving	balance.
  �	 You	agree	to	the	terms	of	this	Agreement,	and	promise	to	do	everything	 �	 If	 you	 make	 a	 purchase	 under	 a	 Low	 APR,	 Equal	 Payment	 Credit	 Plan,	
     required	of	you.	If	you	sign	or	submit	an	application	or	solicitation	to	obtain	 interest	will	be	assessed	from	the	date	of	purchase	through	the	end	of	the	
     credit	from	us,	you�ll	be	legally	bound	by	this	Agreement.	You�re	also	legally	 promotional period.
     bound	if	you	sign	a	charge	slip,	or	permit	someone	else	to	use	the	credit	 How we calculate Interest Charges on your Account
     provided.                              We	calculate	interest	separately	for	each	Credit	Plan,	using	a	�Daily	Balance�	to	
  �	 You	agree	that	the	credit	extended	under	your	Account	will	be	used	only	for	 determine	interest	charges	for	each	billing	period.	Our	calculation	method	is	as	
     personal,	family	or	household	purposes	and	not	for	business	or	commercial	 follows:
     purpose.                               �	 We	start	with	the	beginning	balance	on	your	Account	each	day	(including	
  �	 If	the	Account	is	a	joint	Account,	you	and	the	joint	Account	holder	will	be	 unpaid	interest	charges	and	fees).
     bound	by	this	Agreement.	Each	of	you	will	be	jointly	and	individually	respon- �	 We	subtract	any	payments	or	credit	adjustments	(treating	any	net	credit	
     sible	for	repaying	all	amounts	due.		If	more	than	one	person	is	responsible	 balance	as	a	zero	balance)	and	add	new	transactions	and	debit	adjustments	
     for	this	Account,	we	will	only	provide	billing	statements	and	communica- posted	as	of	that	day.	This	gives	us	the	�Partial	Daily	Balance�	for	the	day.
     tions to one of you.                   �	 We	then	multiply	the	Partial	Daily	Balance	for	the	day	by	the	Daily	Periodic	
  �	 Any	authorized	user	of	your	Account	will	be	bound	by	the	terms	of	this	 Rate.	This	gives	us	the	�Daily	Interest	Charge�	for	the	day,	which	we	add	to	
     Agreement.	One	additional	Card	may	be	issued	with	the	individual	name	of	 the	day�s	Partial	Daily	Balance.
     an	authorized	user	embossed	on	the	Card.	If	you	want	to	revoke	the	use	of	 �	 We�ve	now	determined	the	�Daily	Balance,�	which	will	be	the	beginning	
     your	Account	by	an	authorized	user,	either	write	us	at	the	address,	or	call	us	 balance	for	the	following	day.	This	results	in	daily	compounding	of	interest	
     at	the	phone	number,	shown	on	your	Statement. charges.
  �	 You	agree	to	pay	for	all	transactions	made	on	your	Account	by	an	authorized	 �	 At	the	end	of	each	billing	period,	we	add	together	each	Credit	Plan�s	Daily	
     user,	whether	or	not	such	transactions	were	authorized	by	you	or	made	for	 Interest	Charge,	which	gives	us	the	total	interest	charge.
     your	bene?t.                           �	 Your	Statement	will	show	a	Balance	Subject	to	Interest	Rate,	which	is	the	
  Card signature (as applicable)              sum	of	the	Daily	Balances	for	each	day	in	the	billing	period	divided	by	the	
  For	your	own	protection,	please	sign	your	Card	before	using	it.	Keep	in	mind	that	 total	number	of	days.
  your	signature	on	the	Card	isn�t	a	prerequisite	to	your	obligation	to	pay	amounts	 Rates
  incurred	on	your	Account.                 �	 The	Index	in	effect	for	each	billing	period	will	be	the	highest	�Prime	Rate�	
  Using your Account                          of	interest	as	published	in	the	�Money	Rates�	section	of	The	Wall	Street	
  �	 Your	Account	may	be	used	to	make	purchases	from	Haband	and	other	re- Journal	for	the	calendar	month	preceding	the	month	in	which	the	billing	pe-
     tailers	we	may	determine	occasionally	by	notifying	you	via	electronic	mail,	 riod	begins,	rounded	upward	if	necessary,	to	the	nearest	.001%	(�Index�).	
     statement	message,	website	posting,	or	other	method. �	 Any	variable	APR	may	increase	if	the	Index	increases.
  �	 We	reserve	the	right	to	not	honor	transactions	related	to,	including,	but	not	 �	 An	increase	or	decrease	in	the	APR	will	result	in	a	corresponding	increase	
     limited	to,	gambling,	ATM	usage	at	casinos,	and	illegal	activities. or	decrease	in	the	amount	of	interest	and	may	increase	the	Total	Minimum	
  Making payments                             Payment.
  �	 Pay	your	Account	by	sending	a	check,	money	order,	or	cashier�s	check	pay- Other fees and charges
     able	in	U.S.	dollars,	to	the	name	and	address	shown	on	your	Statement	 You	agree	to	pay	the	following	fees	and	charges:
     speci?ed	for	payments.	Please	don�t	send	cash. �	 Late Fee:	If	you	don�t	pay	at	least	the	Minimum	Payment	Due	by	the	Pay-
  �	 Be	sure	to	include	your	payment	stub,	do	not	staple	your	payment	to	the	 ment	Due	Date,	we	will	charge	you	a	late	fee.
     stub,	use	the	envelope	provided	with	your	Statement	and	don�t	send	any	 o	 The	fee	is	$25.00	if	you	were	not	charged	a	late	fee	during	any	of	the	
     correspondence with your payment.           prior	six	billing	periods.
  �	 If	your	payment	doesn�t	meet	these	requirements,	it	may	not	be	credited	to	 o	 Otherwise,	the	fee	is	$35.00.
     your	Account	for	up	to	?ve	days,	or	may	be	rejected. o	 This	fee	will	never	exceed	the	minimum	payment	due	that	was	due	
  �	 All	 written	 communications	 concerning	 disputed	 amounts,	 including	 any	 immediately prior to the date on which the fee was assessed.
     check	or	other	payment	instrument	marked	with	�payment	in	full�	or	similar	 �	 Returned Payment Fee:	We	may	charge	you	a	fee	for	each	payment	that	your	
     language,	must	be	sent	to	6550	North	Loop	1604	East,	Suite	101,	San	 bank	doesn�t	honor	for	any	reason.
     Antonio,	Texas	78247-5004.               o	 The	fee	is	$25.00	if	you	were	not	charged	a	returned	payment	fee	dur-
                                                 ing	any	of	the	prior	six	billing	periods.
                        * * * * * * * * * * * * * * * *
   rev.	04/13
                                            No   No No No  Yes Yes Yes
                                       Can you limit   this sharing?
                                            Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
                                        share?
                                       Does Comenity 
                        Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
      WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
                                        information
                                       Reasons we can share your personal  
       FACTS   Why?     What?    How?                                    sharing
                                                                       To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
                                          For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                       CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
     o	 Otherwise,	the	fee	is	$35.00.       You	also	agree	that	these	communications	aren�t	unsolicited	for	purposes	of	any	
 HP	0614-449;	PO	#0094016956;	Overall	Size:	9	panel.	8.5	x	29.75,	Paper:	40	#	Finch	opaque	smooth,	Color:	Black	both	sides,	Font	Size	used:	CCA	8pt,	Privacy	10pt	&	12pt;	10pt	type	in	boxes;	12pt	headers	and	16pt	APR;	Fonts	used:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no2,	bold	no2	oblique),	Zapf	Dingbats.
     o	 This	fee	will	never	exceed	the	minimum	payment	due	that	was	due	 state	or	federal	law,	and	you	understand	that	this	may	result	in	additional	mobile,	
       immediately prior to the date on which the fee was assessed. text	message,	or	data	charges.
  �	 Although	we	may	decide	to	do	so,	we	aren�t	required	to	attempt	to	collect	a	 Phone monitoring
     payment more than once.                �	 To	provide	you	with	high-quality	service,	phone	communication	with	us	is	
  �	 Document Fees:	If	we	provide	you	with	a	copy	of	any	Statement,	sales	draft	 monitored	and/or	recorded.		
     or	similar	document	at	your	request	(except	in	connection	with	billing	error	 �	 You	agree	that	we	monitor	and/or	record	any	phone	calls	between	you	and	
     inquiries	or	resolution),	we	may	charge	the	Account	the	following	fee(s),	 us.  
     subject	to	any	limitations	of	applicable	law: �	 Please	inform	all	authorized	cardholders	of	this	provision,	including	anyone	
     o	 Statement	copy	-	$6.00                acting	on	your	behalf	or	making	payments	on	this	Account.
     o	 Sales/Credit	Draft	copy	-	$6.00     For Wisconsin residents:
     o	 Check/Money	Order	copy	-	$6.00      If	you	are	married,	please	contact	us	immediately	upon	receipt	of	this	Agreement	
  �	 Alternative Payment Method Fee:	We	may	offer	alternative	payment	meth- at	1-866-482-4479		(TDD/TTY	1-888-819-1918)	and	provide	us	with	the	name	
     ods	that	allow	you	to	make	individual,	expedited	payments	to	your	Account	 and	address	of	your	spouse.	We	are	required	to	inform	your	spouse	that	we	have	
     over	the	phone.		If	you	choose	to	use	this	payment	method,	we	may	assess	 opened a credit account for you.
     the	current	fee	we	charge	for	this	service,	subject	to	any	limitations	of	ap- For bankruptcy noti?cations:
     plicable	law.	Currently,	that	fee	is	up	to	$15.00	but	may	change.	We�ll	let	
                                            All	bankruptcy	notices	and	related	correspondence	to	Comenity	Capital	Bank	
     you	know	the	current	fee	before	you	authorize	any	payment(s),	and	you	can	
                                            should	 be	 sent	 to	 the	 following	 address:	 Comenity	 Capital	 Bank,	 Bankruptcy	
     withdraw	your	request	if	you	don�t	want	to	pay	the	fee.
                                            Department,	PO	Box	183043,	Columbus,	Ohio	43218-3043.
  E. Other important information 
                                            I. Arbitration and jury trial waiver
  Collection costs
                                            A. Jury trial waiver
  To	the	extent	not	prohibited	by	applicable	law,	you	agree	to	pay	the	reasonable	
  costs	for	collecting	amounts	due,	including	reasonable	attorney�s	fees	and	court	 TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
  costs	incurred	by	us	or	another	person	or	entity. TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
  Changes                                   TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
                                            ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
  We	may	add,	change,	or	delete	the	terms	of	your	Account.	If	required	by	appli-
                                            CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
  cable	law,	we	will	give	you	advance	written	notice	of	the	change(s)	and	a	right	to	
                                            IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
  reject	the	change(s).
                                            B. Notice and cure
  Security Interest
                                            Prior	to	bringing	a	lawsuit	or	initiating	an	arbitration	that	asserts	a	claim	aris-
  You	grant	us	a	security	interest	in	all	goods	you	purchase	through	the	use	of	the	
                                            ing	out	of	or	related	to	this	Agreement	(as	further	de?ned	below,	a	�Claim�),	
  Account,	now	or	at	any	time	in	the	future	and	in	all	accessions	to	and	proceeds	of	
                                            the	party	asserting	the	Claim	(the	�Claimant�)	shall	give	the	other	party	(the	
  such goods. We waive any security interest we may have in your principal dwell-
                                            �Defendant�)	written	notice	of	the	Claim	(a	�Claim	Notice�)	and	a	reasonable	
  ing,	to	the	extent	that	it	would	otherwise	secure	any	obligation	arising	hereunder.
                                            opportunity,	not	less	than	30	days,	to	resolve	the	Claim.	Any	Claim	Notice	to	you	
  Changes to your information
                                            shall	be	sent	in	writing	to	the	address	we	have	in	our	records	(or	any	updated	
  You	agree	to	notify	us	immediately	of	any	changes	to	your	name,	mailing	address,	
                                            address	you	subsequently	provide	to	us).		Any	Claim	Notice	to	us	shall	be	sent	by	
  electronic	mail	address	or	telephone	number(s).
                                            mail	to	Comenity	Capital	Bank,	PO	Box	182436,	Columbus,	Ohio	43218-2436	
  Governing Law
                                            (or	any	updated	address	we	subsequently	provide).		Any	Claim	Notice	you	send	
  THIS	AGREEMENT	IS	GOVERNED	BY	UTAH	AND	APPLICABLE	FEDERAL	LAW.	 must	provide	your	name,	address	and	Account	number.		Any	Claim	Notice	must	
  THIS	IS	THE	LAW	WE	ARE	SPEAKING	OF	WHEN	WE	REFER	TO	A	TERM	PER- explain	the	nature	of	the	Claim	and	the	relief	that	is	demanded.		You	may	only	
  MITTED	OR	REQUIRED	BY	APPLICABLE	LAW.     submit	a	Claim	Notice	on	your	own	behalf	and	not	on	behalf	of	any	other	party.	
  Transfer of Rights/Assignment             No	third	party,	other	than	a	lawyer	you	have	personally	retained,	may	submit	a	
  Your	rights	under	this	Agreement	can�t	be	transferred	by	you,	by	operation	of	law	 Claim	Notice	on	your	behalf.		The	Claimant	must	reasonably	cooperate	in	provid-
  or	otherwise,	but	your	obligations	will	be	binding	upon	your	estate	or	personal	 ing	any	information	about	the	Claim	that	the	other	party	reasonably	requests.
  representatives.	We	may	transfer	or	assign	your	Account	and/or	this	Agreement,	 C. Arbitration provision
  or	any	of	our	rights	under	this	Agreement,	to	another	person	or	entity	at	any	time	 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
  without prior notice to you or your consent. THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE-
  No Waiver of Rights                       LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
  We	can	delay	enforcing	our	rights	under	this	Agreement	without	losing	them. TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
  Severability                              YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
  If	any	provision	of	this	Agreement	is	in	con?ict	with	applicable	law,	that	provision	 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
  will	be	considered	to	be	modi?ed	to	conform	with	applicable	law. prior arbitration agreement between you and us (�Prior Arbitration Agreement�)) 
  Notice to New Jersey Residents            to apply, you may reject it by mailing us a written rejection notice which gives the 
  All	provisions	of	this	agreement	are	valid,	enforceable	and	applicable	in	New	 name of each Cardholder and contains a statement that you (both of you, if more 
  Jersey.                                   than one) reject the Arbitration Provision of this Agreement. The rejection notice 
                                            must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio 
  F. Disputes and Reporting to Consumer Reporting Agencies
                                            43218-2422. A rejection notice is only effective if it is signed by you (all of you, 
  Credit Reports                            if more than one) and if we receive it within thirty (30) calendar days after the 
  �	 You	give	us	permission	to	investigate	your	credit	record. date we ?rst provide you with a credit card agreement or written notice providing 
  �	 You	 agree	 that	 a	 credit	 report	 may	 be	 requested	 in	 connection	 with	 the	 you a right to reject this Arbitration Provision. Your rejection of this Arbitration 
     processing	of	your	credit	application.	A	report	may	also	be	requested	in	 Provision will not affect any other provision of this Agreement or your ability to 
     connection	with	a	credit	extension,	credit	limit	request,	Account	renewal	or	 obtain credit.
     update,	Account	collection	action,	or	dispute	investigation.	Upon	request,	 2. Parties Subject to Arbitration:		Solely	as	used	in	this	Arbitration	Provision	
     we will tell you the name and address of any consumer reporting agency that  (and	not	elsewhere	in	this	Agreement),	the	terms	�we,�	�us�	and	�our�	mean	(a)	
     furnished	a	report	on	you.	You	consent	to	the	obtaining	of	such	reports	by	 Comenity	Capital	Bank,	any	parent,	subsidiary	or	af?liate	of	the	Bank	and	the	
     signing	or	otherwise	submitting	an	application	or	solicitation. employees,	of?cers	and	directors	of	such	companies	(the	�Bank	Parties�);	and	
  �	 You	understand	that	we	may	report	negative	information	(such	as,	late	pay- (b)	any	other	person	or	company	that	provides	any	services	in	connection	with	
     ments,	missed	payments,	or	other	defaults)	about	your	Account	to	consumer	 this	Agreement	if	you	assert	a	Claim	against	such	other	person	or	company	at	the	
     reporting agencies.                    same	time	you	assert	a	Claim	against	any	Bank	Party.
  �	 You	give	us	permission	to	provide	information	about	your	Account	to	con- 3. Covered Claims:		�Claim�	means	any	claim,	dispute	or	controversy	between	
     sumer	reporting	agencies	and	other	creditors,	as	well	as	to	the	retailer	whose	 you	and	us	that	in	any	way	arises	from	or	relates	to	this	Agreement,	the	Account,	
     name	appears	on	your	Card.             the	issuance	of	any	Card,	any	rewards	program,	any	prior	agreement	or	account.	
  Credit report disputes                    �Claim�	includes	disputes	arising	from	actions	or	omissions	prior	to	the	date	
  If	you	believe	the	Account	information	we	reported	to	a	consumer	reporting	agen- any	Card	was	issued	to	you,	including	the	advertising	related	to,	application	for	
  cy	is	inaccurate,	you	may	submit	a	direct	dispute	to	Comenity	Capital	Bank,	PO	 or	approval	of	the	Account.	�Claim�	has	the	broadest	possible	meaning,	and	
  Box	182120,	Columbus,	Ohio	43218-2120.	   includes	 initial	 claims,	 counterclaims,	 cross-claims	 and	 third-party	 claims.	 It	
  Your	written	dispute	must	provide	suf?cient	information	to	identify	the	Account	 includes	disputes	based	upon	contract,	tort,	consumer	rights,	fraud	and	other	
  and	specify	why	the	information	is	inaccurate: intentional	torts,	constitution,	statute,	regulation,	ordinance,	common	law	and	
  �	 Account	Information:		Your	name	and	Account	number equity	(including	any	claim	for	injunctive	or	declaratory	relief).	�Claim�	does	not	
  �	 Contact	Information:		Your	address	and	telephone	number include	disputes	about	the	validity,	enforceability,	coverage	or	scope	of	this	Arbi-
  �	 Disputed	Information:		Identify	the	Account	information	disputed	and	ex- tration	Provision	or	any	part	thereof	(including,	without	limitation,	the	prohibition	
     plain	why	you	believe	it	is	inaccurate against	class	proceedings,	private	attorney	general	proceedings	and/or	multiple	
  �	 Supporting	Documentation:		If	available,	provide	a	copy	of	the	section	of	the	 party	proceedings	described	in	Paragraph	C.7	(the	�Class	Action	Waiver�),	the	
     credit	report	showing	the	Account	information	you	are	disputing last	sentence	of	Paragraph	C.13	and/or	this	sentence);	all	such	disputes	are	for	
  We will investigate the disputed information and report the results to you within  a	court	and	not	an	arbitrator	to	decide.	However,	any	dispute	or	argument	that	
  30	days	of	receipt	of	the	information	needed	for	our	investigation.	If	we	?nd	that	 concerns	the	validity	or	enforceability	of	the	Agreement	as	a	whole	is	for	the	
  the	Account	information	we	reported	is	inaccurate,	we	will	promptly	provide	the	 arbitrator,	not	a	court,	to	decide.
  necessary correction to each consumer reporting agency to which we reported  4. Starting an Arbitration:		Arbitration	may	be	elected	by	any	party	with	respect	
  the information.                          to	any	Claim,	even	if	that	party	has	already	initiated	a	lawsuit	with	respect	to	a	
  Your Billing Rights: Keep This Document For Future Use different	Claim.	Arbitration	is	started	by	giving	a	written	demand	for	arbitration	
  This	notice	tells	you	about	your	rights	and	our	responsibilities	under	the	Fair	 to	the	other	party.	We	will	not	demand	to	arbitrate	an	individual	Claim	that	you	
  Credit	Billing	Act.                       bring	against	us	in	small	claims	court	or	your	state�s	equivalent	court,	if	any.	But	
  What To Do If You Find A Mistake On Your Statement if	that	Claim	is	transferred,	removed	or	appealed	to	a	different	court,	we	then	
  If	you	think	there	is	an	error	on	your	statement,	write	to	us	at:	Comenity	Capital	 have	the	right	to	demand	arbitration.
  Bank,	PO	Box	182620,	Columbus,	Ohio	43218-2620 5. Choosing the Administrator:		�Administrator�	means	the	American	Arbitration	
  In	your	letter,	give	us	the	following	information: Association	(�AAA�),	1633	Broadway,	10th	Floor,	New	York,	NY	10019,	www.
  �	 Account	information:	Your	name	and	account	number. adr.org;	 JAMS,	 620	 Eighth	 Avenue,	 34th	 Floor,	 New	 York,	 NY	 10018,	 www.
  �	 Dollar	amount:	The	dollar	amount	of	the	suspected	error. jamsadr.com;	or	any	other	company	selected	by	mutual	agreement	of	the	par-
  �	 Description	of	problem:	If	you	think	there	is	an	error	on	your	bill,	describe	 ties.	If	both	AAA	and	JAMS	cannot	or	will	not	serve	and	the	parties	are	unable	
     what	you	believe	is	wrong	and	why	you	believe	it	is	a	mistake. to	select	an	Administrator	by	mutual	consent,	the	Administrator	will	be	selected	
  You	must	contact	us:                      by	a	court.	The	arbitrator	will	be	appointed	by	the	Administrator	in	accordance	
  �	 Within	60	days	after	the	error	appeared	on	your	statement. with	the	rules	of	the	Administrator.	However,	the	arbitrator	must	be	a	retired	or	
  �	 At	least	3	business	days	before	an	automated	payment	is	scheduled,	if	you	 former	judge	or	a	lawyer	with	at	least	10	years	of	experience.	You	get	to	select	the	
     want	to	stop	payment	on	the	amount	you	think	is	wrong. Administrator	if	you	give	us	written	notice	of	your	selection	with	your	notice	that	
  You	must	notify	us	of	any	potential	errors	in	writing.	You	may	call	us,	but	if	you	 you	are	electing	to	arbitrate	any	Claim	or	within	20	days	after	we	give	you	notice	
  do	we	are	not	required	to	investigate	any	potential	errors	and	you	may	have	to	pay	 that	we	are	electing	to	arbitrate	any	Claim	(or,	if	you	dispute	our	right	to	require	
  the	amount	in	question.                   arbitration	of	the	Claim,	within	20	days	after	that	dispute	is	?nally	resolved).	
  What Will Happen After We Receive Your Letter If	you	do	not	select	the	Administrator	on	time,	we	may	do	it.	Notwithstanding	
  When	we	receive	your	letter,	we	must	do	two	things: any	language	in	this	Arbitration	Provision	to	the	contrary,	no	arbitration	may	be	
  1.	Within	30	days	of	receiving	your	letter,	we	must	tell	you	that	we	received	your	 administered,	without	the	consent	of	all	parties	to	the	arbitration,	by	any	Admin-
    letter. We will also tell you if we have already corrected the error. istrator that has in place a formal or informal policy that is inconsistent with the 
  2.	Within	90	days	of	receiving	your	letter,	we	must	either	correct	the	error	or	 Class	Action	Waiver.
    explain	to	you	why	we	believe	the	bill	is	correct. 6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU 
  While	we	investigate	whether	or	not	there	has	been	an	error: OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO 
  �	 We	cannot	try	to	collect	the	amount	in	question,	or	report	you	as	delinquent	 PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
     on that amount.                        YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
  �	 The	charge	in	question	may	remain	on	your	statement,	and	we	may	continue	 ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
     to charge you interest on that amount. IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
  �	 While	you	do	not	have	to	pay	the	amount	in	question,	you	are	responsible	for	 7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI-
     the	remainder	of	your	balance.         TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
  �	 We	can	apply	any	unpaid	amount	against	your	credit	limit. ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
  After	we	?nish	our	investigation,	one	of	two	things	will	happen: TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
  �	 If we made a mistake:	You	will	not	have	to	pay	the	amount	in	question	or	any	 AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
     interest or other fees related to that amount. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
  �	 If we do not believe there was a mistake:	You	will	have	to	pay	the	amount	in	 DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
     question,	along	with	applicable	interest	and	fees.	We	will	send	you	a	state- (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
     ment of the amount you owe and the date payment is due. We may then  A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
     report	you	as	delinquent	if	you	do	not	pay	the	amount	we	think	you	owe. OR MULTIPLE-PARTY ARBITRATION. 
  If	you	receive	our	explanation	but	still	believe	your	bill	is	wrong,	you	must	write	 8. Location and Costs of Arbitration:		Any	arbitration	hearing	that	you	attend	
  to	us	within	10	days	telling	us	that	you	still	refuse	to	pay.	If	you	do	so,	we	cannot	 must	take	place	at	a	location	reasonably	convenient	to	you.	We	will	pay	any	and	
  report	you	as	delinquent	without	also	reporting	that	you	are	questioning	your	bill.	 all	fees	of	the	Administrator	and/or	the	arbitrator	if	applicable	law	requires	us	
  We	must	tell	you	the	name	of	anyone	to	whom	we	reported	you	as	delinquent,	 to,	if	you	prevail	in	the	arbitration	or	if	we	must	bear	such	fees	in	order	for	this	
  and	 we	 must	 let	 those	 organizations	 know	 when	 the	 matter	 has	 been	 settled	 Arbitration	Provision	to	be	enforced.	If	you	demand	an	arbitration,	we	will	pay	
  between	us.                               your	reasonable	attorneys�	and	experts�	fees	if	you	prevail	or	if	we	must	bear	such	
  If	we	do	not	follow	all	of	the	rules	above,	you	do	not	have	to	pay	the	?rst	$50	of	 fees	in	order	for	this	Arbitration	Provision	to	be	enforced.	Also,	we	will	bear	any	
  the	amount	you	question	even	if	your	bill	is	correct. fees	if	applicable	law	requires	us	to.
  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases 9. Governing Law:		This	Arbitration	Provision	involves	interstate	commerce	and	
  If	you	are	dissatis?ed	with	the	goods	or	services	that	you	have	purchased	with	 is	governed	by	the	Federal	Arbitration	Act,	9	U.S.C.	��	1-16	(the	�FAA�),	and	
  your	credit	card,	and	you	have	tried	in	good	faith	to	correct	the	problem	with	the	 not	by	any	state	arbitration	law.	The	arbitrator	must	apply	applicable	substantive	
  merchant,	you	may	have	the	right	not	to	pay	the	remaining	amount	due	on	the	 law	consistent	with	the	FAA	and	applicable	statutes	of	limitations	and	claims	of	
  purchase.                                 privilege	recognized	at	law.	The	arbitrator	may	award	any	remedy	provided	by	the	
  To	use	this	right,	all	of	the	following	must	be	true: substantive	law	that	would	apply	if	the	action	were	pending	in	court	(including,	
  1.	The	purchase	must	have	been	made	in	your	home	state	or	within	100	miles	 without	limitation,	punitive	damages,	which	shall	be	governed	by	the	Constitu-
  of	your	current	mailing	address,	and	the	purchase	price	must	have	been	more	 tional	standards	employed	by	the	courts).	At	the	timely	request	of	either	party,	
  than	$50.	(Note:	Neither	of	these	are	necessary	if	your	purchase	was	based	on	 the	arbitrator	must	provide	a	brief	written	explanation	of	the	basis	for	the	award.
  an	advertisement	we	mailed	to	you,	or	if	we	own	the	company	that	sold	you	the	 10. Right to Discovery:		In	addition	to	the	parties�	rights	to	obtain	discovery	
  goods	or	services.)                       pursuant	to	the	arbitration	rules	of	the	Administrator,	either	party	may	submit	
  2.	You	must	have	used	your	credit	card	for	the	purchase.	Purchases	made	with	 a	written	request	to	the	arbitrator	to	expand	the	scope	of	discovery	normally	al-
  cash	advances	from	an	ATM	or	with	a	check	that	accesses	your	credit	card	ac- lowable	under	the	arbitration	rules	of	the	Administrator.	The	arbitrator	shall	have	
  count	do	not	qualify.                     discretion	to	grant	or	deny	that	request.
  3.	You	must	not	yet	have	fully	paid	for	the	purchase. 11. Arbitration Result and Right of Appeal:		 Judgment	 upon	 the	 arbitrator�s	
  If	all	of	the	criteria	above	are	met	and	you	are	still	dissatis?ed	with	the	purchase,	 award	may	be	entered	by	any	court	having	jurisdiction.	The	arbitrator�s	decision	
  contact	us	in	writing	at:                 is	?nal	and	binding,	except	for	any	right	of	appeal	provided	by	the	FAA.	However,	
  Comenity	Capital	Bank                     if	the	amount	of	the	Claim	exceeds	$50,000	or	involves	a	request	for	injunctive	
  PO	Box	182620,	Columbus,	Ohio	43218-2620  or	declaratory	relief	that	could	foreseeably	involve	a	cost	or	bene?t	to	either	party	
  While	we	investigate,	the	same	rules	apply	to	the	disputed	amount	as	discussed	 exceeding	$50,000,	any	party	can,	within	30	days	after	the	entry	of	the	award	
  above.	After	we	?nish	our	investigation,	we	will	tell	you	our	decision.	At	that	 by	the	arbitrator,	appeal	the	award	to	a	three-arbitrator	panel	administered	by	the	
  point,	if	we	think	you	owe	an	amount	and	you	do	not	pay,	we	may	report	you	as	 Administrator.	The	panel	shall	reconsider	anew	any	aspect	of	the	initial	award	
  delinquent.                               requested	by	the	appealing	party.	The	decision	of	the	panel	shall	be	by	majority	
  G. Optional products                      vote.	Reference	in	this	Arbitration	Provision	to	�the	arbitrator�	shall	mean	the	
                                            panel	if	an	appeal	of	the	arbitrator�s	decision	has	been	taken.	The	costs	of	such	
  Credit insurance (as applicable)
                                            an	appeal	will	be	borne	in	accordance	with	Paragraph	C.8.	above.
  Purchasing	credit	insurance	is	optional.	If	you	do	choose	to	carry	credit	insurance	 12. Rules of Interpretation:		This	Arbitration	Provision	shall	survive	the	repay-
  coverage,	the	premium	charge	will	be	added	to	your	Account	as	a	purchase	on	 ment	of	all	amounts	owed	under	this	Agreement,	the	closing	of	the	Account,	any	
  the	last	day	of	each	billing	period.		You	can	cancel	your	coverage	at	any	time. legal	proceeding	and	any	bankruptcy	to	the	extent	consistent	with	applicable	
  Account Assure Debt cancellation (as applicable) bankruptcy	law.		In	the	event	of	a	con?ict	or	inconsistency	between	this	Arbitra-
                                                      World Financial Capital Bank is a Comenity SM company.
  �	 Purchasing	Account	Assure	is	optional. tion	Provision,	on	the	one	hand,	and	the	applicable	arbitration	rules	or	the	other	
                                                      Salt Lake City, UT
  �	 Your	decision	whether	or	not	to	purchase	Account	Assure	won�t	affect	your	 provisions	of	this	Agreement,	on	the	other	hand,	this	Arbitration	Provision	shall	
     application	for	credit	or	the	terms	of	any	existing	credit	agreement	you	have	 govern.		This	Arbitration	Provision	replaces	any	Prior	Arbitration	Agreement.
     with us.                               13. Severability:		If	any	portion	of	this	Arbitration	Provision,	other	than	the	Class	
  �	 The	monthly	fee	for	Account	Assure	is	based	on	the	outstanding	monthly	 Action	Waiver,	is	deemed	invalid	or	unenforceable,	the	remaining	portions	shall	
     balance	on	your	Account	each	month	and	will	be	added	to	your	Statement. nevertheless	remain	in	force.	If	a	determination	is	made	that	the	Class	Action	
  �	 We�ll	provide	additional	information	before	you�re	required	to	pay	for	Ac- Waiver	is	unenforceable,	only	this	sentence	of	the	Arbitration	Agreement	will	re-
                                                       World Financial Capital Bank is a
     count	Assure.	This	will	include	a	copy	of	the	terms	and	conditions	pertain- main	in	force	and	the	remaining	provisions	shall	be	null	and	void,	provided	that	
                                                       Comenity SM company.
     ing	to	Account	Assure.                 the	determination	concerning	the	Class	Action	Waiver	shall	be	subject	to	appeal.
   �	 You	can	cancel	your	Account	Assure	at	any	time.  Salt Lake City, UT
                                            14. Special Payment:		 If	 (1)	 you	 submit	 a	 Claim	 Notice	 in	 accordance	 with	
   �	 There	are	eligibility	requirements,	conditions,	and	exclusions	that	could	pre- Paragraph	B	above	on	your	own	behalf	(and	not	on	behalf	of	any	other	party);	
     vent	you	from	receiving	bene?ts	under	Account	Assure. (2)	we	refuse	to	provide	you	with	the	relief	you	request;	and	(3)	an	arbitrator	
   �	 Be	sure	to	carefully	read	the	Addendum	for	a	full	explanation	of	the	terms	 subsequently	determines	that	you	were	entitled	to	such	relief	(or	greater	relief),	
     of	Account	Assure.                     the	arbitrator	shall	award	you	at	least	$5,100	(plus	any	fees	and	costs	to	which	
  H. Communicating with us                  you	are	entitled).
  Communicating to you about your Account
                                                       Comenity Capital Bank, Salt Lake City, UT
  If	we	need	to	contact	you	to	service	your	Account	or	to	collect	amounts	you	owe	
  to	us,	you	give	direct	consent	to	us,	as	well	as	servicers,	agents,	contractors	and	
                                                                          297NACR010114
  collectors	of	your	Account,	to	communicate	with	you	in	any	way,	such	as	calling,	
                                                                         20649I022	(07/14)
  texting,	or	electronic	mail	via:
  1)	 a	cell,	landline,	or	text	number	you	provide,	use	to	contact	us,	or	at	which	
      we	believe	we	can	reach	you	(even	if	it	is	not	yours),
  2)	 any	electronic	mail	address	you	provide	to	us	or	one	of	our	merchants,
  3)	 automated	dialer	systems	and	automatic	telephone	dialing	systems,
  4)	 pre-recorded	or	arti?cial	voice	messages	and	other	forms	of	communica-
      tions.
                         * * * * * * * * * * * * * * * *
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;  
   contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies, 
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 23.74%. 
      (APR) for Purchases 
                          This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not 
      Interest            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      None 
                           
      Penalty Fees 
                           
       �  Late Payment    Up to $35 
       �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method