Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest 
Charge 
For Credit Card Tips 
from the Federal 
Reserve Board 

24.99% This APR will vary with the market based on the Prime 
Rate. 
Your due date is 25 days after the close of each billing cycle. We will 
not charge you interest on purchases if you pay your entire balance 
by the due date each month. 
If you are charged interest, the charge will be no less than $1.00 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

Fees 

Set up and Maintenance 
Fees 

•  Annual Fee 

None 

Penalty Fees 

•  Late Payment 

Up to $29 

•  Returned Payment 

Up to $25 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including 
new purchases).” 

CHANGES.  We  may  add,  change  or  delete  the  terms  of  your  Account  and  the  corresponding  Credit  Card  Agreement 
(including, but not limited to, Annual Percentage Rate and other significant changes). If notice is required, it will be mailed 
to you at least forty-five (45) days prior to the effective date of the change.  Notice may also include a statement of your 
right to cancel the account prior to the effective date of the change. 

The information about the costs of the credit card account described in this application is accurate as of September 28, 
2011. This information may have changed after that date.  To find out what may have changed and for the current APR, 
please write to World Financial Network Bank (WFNNB), PO Box 182273, Columbus, OH 43218-2273, see the cardmailer 
with your new credit card (if approved) or visit our website at www.mycardcare.com/torrid. You agree that a credit report 
may be used in making the credit granting decision. 

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

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, 
and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each  individual  upon  request.  The  Ohio  Civil 
Rights Commission administers compliance with this law. California Residents: If you are married, you may apply for a 
separate account. New York Residents: A consumer credit report may be ordered in connection with the processing of 
an application, or subsequently with the update, renewal or extension of credit.  Upon your request, you will be informed 
of  whether  or  not  a  consumer  credit  report  was  ordered,  and  if  it  was,  you  will  be  given  the  name  and  address  of  the 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
consumer-reporting agency that furnished the report. Rhode Island and Vermont Residents: A consumer credit report 
may be ordered in connection with the processing of an application, or subsequently for purposes of review or collection 
of  the  account,  increasing  the  credit  line  on  the  account,  or  other  legitimate  purposes  associated  with  the  account. 
Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the 
Wisconsin  statutes  or  court  order  under  Section  766.70  adversely  affects  the  interest  of  the  creditor,  World  Financial 
Network    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. 

Customers Receiving Preapproved Credit Offers: You may have been selected for a pre-approved credit card account 
offer  from  World  Financial  Network    Bank  (“Bank”)  based  upon  the  information  in  your  credit  report  which  satisfied  the 
Bank’s criteria for creditworthiness.  You must respond by the expiration date of the offer.  Credit may not be extended if 
after you respond, (i) we find that you do not meet the criteria for creditworthiness used to select you for this offer; (ii) you 
are below the age required to create a valid contract; (iii) we determine that you have fraudulently altered the information 
provided to us; or (iv) we receive your response to this offer after such offer has expired.  

You can choose to stop receiving “prescreened” offers of credit from this and other 
companies by calling toll-free 1-888-567-8688.  See PRESCREEN & OPT-OUT NOTICE below 
for more information about prescreened offers. 

PRESCREEN & OPT-OUT NOTICE:  This “prescreened” offer of credit is based on information in your credit 
report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you 
do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting 
agencies  toll-free,  1-888-567-8688;  or  write:  Experian,  PO  Box  919,  Allen,  TX  75013;  TransUnion,  PO  Box 
97328, Jackson, MS 39288; Equifax, PO Box 740123, Atlanta, GA 30374. 

Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your 
credit report information by notifying the above agencies. 

I  am  applying  to  World  Financial  Network  Bank  (WFNNB)  for,  and  hereby  request,  a  Torrid  credit  card  account  for 
personal, family or household use. I hereby authorize WFNNB to investigate my credit record. The information that I have 
supplied is true and correct. I acknowledge that I am a permanent resident of the United States. I agree that a credit report 
may  be  obtained  for  any  lawful  purpose,  including  in  connection  with  the  processing  of  an  application,  or  subsequently 
with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit 
report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished 
the report. I agree to be bound by the terms of the Credit Card Agreement. I acknowledge that I will receive a Credit Card 
Agreement  upon  approval.  I  also  acknowledge  that  there  is  no  agreement  between  WFNNB  and  me  until  WFNNB 
approves my credit application and accepts the Credit Card Agreement at its office in Delaware and that the Credit Card 
Agreement  is  deemed  to  be  made  in  Delaware.  Cards  are  issued  and  credit  is  extended  by  WFNNB,  Wilmington, 
Delaware. 

PLEASE NOTE: 

BY  SUBMITTING  THIS  CREDIT  APPLICATION,  YOU  ARE  AGREEING  TO  THE  FOLLOWING  WITH  RESPECT  TO
CERTAIN CONSUMER INFORMATION ABOUT YOU. 

You hereby authorize World Financial Network Bank ("us" or "we") to furnish our decision to issue an account to you to 
Torrid. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit 
bureaus, other creditors and Torrid. Check your information before submitting. We cannot process any submission without 
a complete and accurate name, address, date of birth and social security number. By submitting this Application you are 
acknowledging  having  read  and  understood  the  Important  Rate,  Fee  and  Other  Cost  Information  and  if  approved, 
agreeing to be bound by them. 

 
 
 
 
CREDIT CARD AGREEMENT 
This is  your  Agreement with World Financial Network Bank for customers of Torrid.  It covers the use of your credit card account with us. 
This Agreement may include information about promotional Credit Plans.  Any information about such Plans will be included in the form of an 
insert, attachment, or other written information provided as part of or with this Agreement.  Please read this Agreement and keep it for your 
records.   
THIS  AGREEMENT INCLUDES  A JURY TRIAL WAIVER IN PARAGRAPH 30.A.  AND  AN  ARBITRATION PROVISION IN PARAGRAPH 30.C.  IN 
THE EVENT OF A DISPUTE BETWEEN YOU AND US: (1) THE JURY TRIAL WAIVER WILL ELIMINATE THE RIGHT TO A TRIAL BY JURY; AND 
(2)  UNLESS  YOU  ACT  PROMPTLY  TO  REJECT  IT,  THE  ARBITRATION  PROVISION  WILL  SUBSTANTIALLY  AFFECT  YOUR  RIGHTS, 
INCLUDING YOUR RIGHT TO BRING, JOIN IN OR PARTICIPATE IN CLASS PROCEEDINGS. 
1.  Definitions.  In  this  Agreement,  “We,”  “Us,”  and  “Our”  mean  World  Financial  Network  Bank.  “You”  and  “Your”  mean  each  person  who  signs  an 
application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card” means each credit card 
we issue to you for your Account.  “Credit Plan” means one or more payment program options that Torrid may ask us to offer from time to time. You 
agree that at any time for any reason we may reissue a Card to you and/or may ask you to return any or all Cards. 
2. Your Promise to Us. 
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement 
if you sign an application to obtain credit from us, or if you sign a charge slip, or if you use or permit someone else to use the credit provided.  
B.    If  the  Account  is  a  joint  Account,  you  and  the  joint  Account  holder  each  will  be  bound  by  this  Agreement  and  each  of  you  will  be  jointly  and 
individually responsible for repaying all amounts due under this Agreement.   
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement.  If you want to cancel the authorized 
or  permitted  use  of  your  Account  by  another  person,  you  may  either  write  us  at  the  address  or  call  us  at  the  telephone  number  shown  on  your 
Statement. You must obtain, cut in half and return the Card in such authorized users possession to us.  You understand and agree that we will be unable 
to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the 
transaction by the authorized user was indeed authorized by you or made for your benefit.  You agree to pay for all transactions made on your Account 
by an authorized user whether or not such transactions were in fact duly authorized by you or made for your benefit. 
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further 
transactions on your Account, cancel the Cards, and revoke any privileges associated with the Card or your Account.   
3. Sign the Card. For your own protection, please sign the Card before using it.  Your signature on the Card is not a prerequisite to your obligation to 
pay amounts incurred on your Account. 
4. Method of Payment. You may pay your Account by sending your personal check, payable in U.S. dollars, to the name and address shown on your 
Statement.  Payments are considered received when posted to your Account in the state in which the WFNNB main office is located.  You must include 
your payment stub. Do not send cash. If any payment does not conform to these requirements, the payment may not be credited to your Account for up 
to  five  days,  or  may  be  rejected.    Any  check  marked  “payment  in  full”  or  with  similar  terms  must  be  sent  to  a  separate  address  specified  on  your 
Statement. We can accept such checks or late or partial payments without losing our right to receive the full amount owing on your Account.  
5. Lost or Stolen Card. If a Card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a Card without your 
permission.  You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay 
(up to $50.00) for purchases made by anyone who used the Card without your permission. 
6.  Credit  Plans.  Your  Account  may  consist  of  a  non-promotional  Credit  Plan  and  one  or  more  promotional  Credit  Plans.  We  may  offer  different 
promotional  Credit  Plans  from  time  to  time.    If  a  promotional  Credit  Plan  is  offered  at  the  time  you  open  your  account,  this  Agreement  will  include 
information about the terms for the Plan (which may include the Daily Periodic Rate, the ANNUAL PERCENTAGE RATE, and/or the minimum payment 
amount), by use of an insert, attachment, or other written information provided as part of or with this Agreement.  Normal late payment charges, returned 
check charges and all other provisions apply to any promotional Credit Plan unless inconsistent with a particular Credit Plan offering. The promotional 
Credit  Plan  period  will  end  and  the  promotional  Credit  Plan  balance  will  be  transferred  to  your  non-promotional  Regular  Revolving  balance  if  the 
promotional Credit Plan purchase is not paid in full before the promotional period ends.   
The types of Credit Plans offered and the particular features (including but not limited to minimum purchase requirements, Minimum Payment, etc.) of 
such Credit Plans may vary from time to time at our discretion and may include one or more of the following: Regular Revolving or Promotional Credit 
Plans.  The  Regular  Revolving  Credit  Plans  are  your  non-promotional  purchases  using  the  Card.  The  Promotional  Credit  Plans  may  include:  Waive 
Interest,  Payment  Required;  Waive  Interest,  Equal  Payment;  Waive  Interest,  Low  Payment;  Defer  Interest,  Equal  Payment;  Defer  Interest,  Payment 
Required; Defer Interest, Low Payment. (Please see section 14 for explanation for how Finance Charges are calculated for each Plan.) 
7.  Skip-Payment  Option.   At  our  sole  option,  we  may  allow  you  to  skip  making  the  Minimum  Payment  on  certain  Billing  Periods.    During  the  skip-
payment period Finance Charges will be assessed but no late fee will be imposed.  At the end of the skip-payment period, all terms of this Agreement 
that would have applied, were it not for the skip-payment feature, will automatically resume without notice. 
8. Credit Limit. Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for 
your Account.  If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges 
without giving up any of our rights under this Agreement. We may change your Credit Limit at any time.  
9. How To Cancel Your Account. You may cancel your Account at any time. Cut each Card in half and send us the pieces with a letter telling us you 
want to cancel your Account. This includes each Card you gave to others. You still must pay the full amount you owe us. 
10. We Have the Right to Cancel Your  Account. We may cancel your Account at any time for any  reason.  We also may cancel any of the Credit 
Plans at any time for any reason.  Any Card issued for your Account must be cut in half and the pieces sent to us if we ask. This includes each Card you 
gave to others. You cannot use a Card after we ask you to return it.  You still must pay the full amount you owe us and comply with the terms of this 
Agreement. 
11. Payments; Minimum Payment.  You may pay all of your Account balance at any time without penalty. You must pay us at least 
the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement. The Minimum Payment will be the total of the 
minimum payments for the Regular Revolving and Promotional Credit Plans (as described in Section 6 of your Credit Card Agreement), plus any past 
due amounts. The minimum payments for the Regular Revolving Credit Plan and Promotional Credit Plans (except for Waive Interest, Equal Payment; 
Defer Interest, Equal Payment; Waive Interest, Low Payment and Defer Interest, Low Payment) will be the greater of: (a) $5.00 or (b) 5% (rounded to the 
nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. The minimum payment for the Waive Interest, Equal Payment and 
Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided by the number of months between the date of the purchase and 
promotional period end date (minimum $5.00) rounded up to the nearest whole dollar.  The minimum payment for the Waive Interest, Low Payment and 
Defer Interest, Low Payment will be the greater of: (a) $5.00 or (b) 1% (rounded to the nearest $1.00) of the New Balance shown on your Statement for 
that Credit Plan. However, the total minimum payment due on your account will not be less than $25.00. If your Account balance is less than $25.00, you 
must pay your Account balance in full. Your Statement will tell you how much your Minimum Payment must be. 
12.  Application of Payments. We reserve the right to apply payments equal to or less than the required minimum amount in a manner of our choosing, 
which may result in balances subject to lower interest rates being paid prior to other balances. This may result in higher interest charges. Any payment 
you make in excess of the required Minimum Payment Due will be allocated to your Account as required by applicable law. However, excess payments 

 
 
received before a deferred interest promotion expires are applied  to the deferred interest promotional balance first in the last two billing cycles of the 
promotional period.  
13.  Statements;  Billing  Periods.  If  your  Account  has  a  balance, we  will  send  you  a  Statement  at the  end  of  each Billing  Period.  We  send  only  one 
Statement  for  your  Account.  The  Statement  will  show  your:  Statement  Closing  Date,  Previous  Balance,  Payments  and  Credits,  Charges,  Finance 
Charge, Payment Due Date, New Balance and Minimum Payment.  Billing Period means the days between the closing date shown on the last Statement 
we  sent  you  and  the  closing  date  on  your  current  Statement.    We  may  change  your  Billing  Period  as  permitted  by  law  at  any  time  for  our  own 
convenience. 
14. Finance Charges.  
A.  If  you  make  a  purchase  under  a  Regular  Revolving  Credit  Plan,  no  Finance  Charges  will  be  imposed  in  any  Billing  Period  in which  (i)  there  is  no 
Previous Balance or (ii) payments received and credits issued by the Payment Due Date, which is 25 days after the Statement Closing Date shown on 
your last Statement, equal or exceed the Previous Balance.  If the New Balance shown on your last Statement is not satisfied in full by the Payment Due 
Date shown on your last Statement, there will be a Finance Charge on each purchase from the date of purchase. 
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment Required; Waive Interest, Equal Payment; and 
Waive Interest, Low Payment, we will not charge Finance Charges on the purchase if you pay the total amount of the purchase before the end of the 
promotional period. If you do not pay the total amount of the purchase before the end of the promotional period, we will add the amount of the purchase 
to your Regular Revolving balance and will begin to charge Finance Charges on the purchase from the first day after the promotional period ends. For 
any Waive Interest Plan that ends, we will add the remaining amount of the plan to your Regular Revolving balance and will begin to charge Finance 
Charges.  
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment or Defer Interest, Low Payment Credit Plan, we will 
add the amount of Finance Charges that have accrued from the date of purchase through and including the last day of the promotional period to your 
Regular Revolving balance if you do not pay the total amount of the purchase before the end of the promotional period.  For any Defer Interest Plan that 
ends,  we  will  add  the  remaining  amount  of  the  plan  and  the  amount  of  Finance  Charges  that  have  accrued  from  the  date  of  purchase  through  and 
including the last day of the promotional period to your Regular Revolving balance. 
C.  We  figure  Finance  Charges  on  your  Account  separately  for  each  Credit  Plan.  For  each  Billing  Period,  we  use  a  “Daily  Balance”  to  figure  Finance 
Charges on your Account.  This is how we figure the “Daily Balance” each day: 
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees). 
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments posted as of that day. This gives us the “Partial 
Daily Balance” for the day. 
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to obtain the “Daily Finance Charge” for the day 
and add it to the day’s Partial Daily Balance.  This gives us the “Daily Balance”, which will be the beginning balance for the following day. 
At the end of each Billing Period, we add together each Credit Plan’s Daily Finance Charge for each day in the Billing Period to get the total Account 
Finance Charge for the Billing Period.  
Your  Statement  will  show  an  Average  Daily  Balance,  which  is  the  sum  of  the  Partial  Daily  Balance  for  each  day  in  the  Billing  Period  divided  by  the 
number of days in the Billing Period. 
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 21.74% to the value of an “Index,” and dividing 
by  365  (The  corresponding  ANNUAL  PERCENTAGE  RATE  will  be  the  Index  plus  21.74%).  The  Index  in  effect  for  each  Billing  Period  shall  be  the 
highest “Prime Rate” of interest as published in the “Money Rates” section of The Wall Street Journal for the calendar month preceding the month in 
which the Billing Period begins, rounded upward, if necessary, to the nearest .001% (“Index”). An increase or decrease in the Annual Percentage Rate 
will result in a corresponding increase or decrease in the amount of Finance Charge and may increase the amount of your minimum payment due.   
E. We will charge you a minimum FINANCE CHARGE of $1.00 per credit plan for any Billing Period in which a Finance Charge is due. 
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period.  If this Agreement accompanies credit cards for 
your new account, the current initial Daily Periodic Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE are indicated on the 
Cardmailer and are incorporated herein by reference.  As of September 28, 2011, the initial Daily Periodic Rate of FINANCE CHARGE was 0.06846%, 
and  the  corresponding  initial  ANNUAL  PERCENTAGE  RATE  was  24.99%.  This  information  may  have  changed  after  that  date.  To  find  out  about 
changes  in  the  information,  call  us  at  1-800-853-2921  (TDD/TTY  1-800-695-1788)  or  write  us  at  World  Financial  Network  Bank,  PO  Box  182273, 
Columbus, OH 43218-2273.  
15.  Other Fees and Charges. You agree to pay the following fees and charges: 
A. Late Fee. We can charge you a late fee of up to $29.00, as allowed by law, if you do not pay us at least the Minimum Payment Due for each Billing 
Period or if we receive your payment after the Payment Due Date shown on your Billing Statement. 
B. Returned Check Fee. We can charge you up to $25.00 for each check your bank returns to us for any reason. Although we may, we do not have to 
attempt to collect any check more than once.  
C. Document Fee. If a copy of any Statement, sales draft or similar document is provided by us at your request (except in connection with billing error 
inquiries or resolution), we may charge the Account the following fee(s): 
·          Statement copy - $6.00 
·          Sales/Credit Draft copy - $6.00 
·          Check/Money Order copy - $6.00 
D.  Alternative  Payment  Method  Fee.  We  may  offer  alternative  payment  methods  which  would  allow  you  to  make individual, expedited  payments  to 
your Account over the telephone or through the internet.  If you choose to use one of those payment methods, then we may assess the then current fee 
that we charge for this service. At present, that fee is up to $15.00, but it may change. We will disclose the current fee to you (you may withdraw your 
request if you do not want to pay the fee) before you authorize any payment(s) through either of these alternative methods. 
16.  Immediate  Payment.  We  may  tell  you  to  pay  the  full  amount  you  owe  at  once  if  you  do  not  pay  at  least  the  Minimum  Payment  each  time  you 
receive a Statement. We will tell you in advance and/or give you an opportunity to cure your default only if applicable law requires us to do so.  
17.  Attorney  Fees  and  Collection  Costs.  As  permitted  under  applicable  law,  you  agree  to  pay  the  reasonable  costs  for  collecting  amounts  due, 
including reasonable attorney’s fees and court costs by us or by another person or entity. 
18.  Changes.  We  may  add,  change  or  delete  the  terms  of  your  Account  (including,  but  not  limited  to,  Annual  Percentage  Rate  and  other  significant 
changes). If notice is required, it will be mailed to you at least forty-five (45) days prior to the effective date of the change. Notice may also include a 
statement of your right to cancel the account prior to the effective date of the change.  
19. Security Interest. You grant us a security interest in all goods that you purchase through the use of the Account now or at any time in the future and 
in  all  accessions  to  and  proceeds  of  such  goods.    We  hereby  waive  any  security  interest  we  may  have  in  your  principal  dwelling  to  the  extent  that  it 
would otherwise secure any obligation arising hereunder. 
20.  Governing  Law.    THIS  AGREEMENT  IS  GOVERNED  BY  DELAWARE  AND  APPLICABLE  FEDERAL  LAW.  THIS  IS  THE  LAW  WE  ARE 
SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW. 
21.  Transfer  of  Rights/Assignment.  Your  rights  under  this  Agreement  cannot  be  transferred  by  you,  by  operation  of  law,  or  otherwise,  but  your 
obligations shall be binding upon your estate or personal representatives.  We may transfer or assign your Account and/or this Agreement, or any of our 
rights under this Agreement, to another person or entity at any time without prior notice to you or your consent. 
22. No Waiver of Rights. We can delay enforcing our rights under this Agreement without losing them.   
23. Severability. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with 
applicable law. 

24. Credit Reports. You hereby authorize us to investigate your credit record. You agree that a credit report may be requested in connection with the 
processing of an application for credit, and subsequently in connection with any extension of credit, or any request to increase your credit limit, or any 
renewal or update of your Account, or to take collection action on the Account, or to investigate disputes regarding the Account. If you ask, we will tell 
you  if  credit  reports  were  requested,  and  the  name  and  address  of  any  credit  bureaus  that  provided  the  reports.  You  understand  that  we  may  report 
negative information about your account to the credit bureaus.  Late payments, missed payments, or other defaults on your account may be reflected in 
your credit report. You hereby authorize us to furnish information concerning your Account to credit bureaus and other creditors, as well as to the retailer 
whose name appears on your Card. 
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may write to us at the 
address provided on the credit report from the consumer reporting agency. Your written dispute must provide sufficient information to locate the account 
and why you believe the information is inaccurate. If available, provide a copy of the section of the credit report showing the account information you are 
disputing.  
25. Credit Insurance (as applicable). Credit insurance is not required. If you have been accepted for credit insurance coverage, the premium charge 
will be added to your Account as a purchase on the last day of each Billing Period. 
26. Debt Cancellation (as applicable). Your Purchase of Account Assure is optional.  Whether or not you purchase Account Assure will not affect your 
application for credit or the terms of any existing credit agreement you have with World Financial Network Bank.  The monthly fee for Account Assure is 
based  on  the  outstanding  monthly  balance  on  your  account  each  month  and  will  be  added  to  your  account  statement.    We  will  give  you  additional 
information before you are required to pay for Account Assure.  This information will include a copy of the contract containing the terms and conditions 
governing Account Assure.  There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Account 
Assure.  You should carefully read the contract for a full explanation of the terms of Account Assure. 
27.  Communication  Regarding  Account.  Until  your  account  is  finally  settled,  you  give  direct  consent  to  receive  communications  regarding  your 
account to us, any servicers and any collectors of your account, through various means such as 1) any cell, landline, or text number that you provide, 2) 
any email address that you provide, 3) auto dialer systems,  4) recorded messages, and other forms of communications. Further,  you agree that any 
such communications are not unsolicited for purposes of any state or federal law. 
28. Telephone Monitoring. As part of our continuing effort to maintain a high quality of service to our customers, telephone communications with you 
may be monitored and recorded.  You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval 
from you is needed.  Please inform all persons authorized to use this account, those acting on your behalf, or anyone making payments on this account, 
of this provision. 
29. Customer Changes. You must tell us at once if you change your name, address or employment. 
30. Dispute Resolution Provisions. 
A.  Jury  Trial  Waiver.    TO  THE  EXTENT  PERMITTED  BY  LAW,  YOU  AND  WE  WAIVE  ANY  RIGHT  TO  TRIAL  BY  JURY  IN  THE  EVENT  OF  A 
LAWSUIT  ARISING  OUT  OF  OR  RELATED  TO  THIS  AGREEMENT.    THIS  JURY  TRIAL  WAIVER  SHALL  NOT  AFFECT  THE  ARBITRATION 
PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
B.  Notice  and  Cure.    Prior  to  bringing  a  lawsuit  or  initiating  an  arbitration  that  asserts  a  claim  arising  out  of  or  related  to  this  Agreement  (as  further 
defined below, a “Claim”), the party asserting the Claim (the “Claimant”) shall give the other party (the “Defendant”) written notice of the Claim (a “Claim 
Notice”) and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we 
have in our records (or any updated address you subsequently provide to us).  Any Claim Notice to us shall be sent by mail to World Financial Network 
Bank, PO Box  182436, Columbus, OH 43218-2436 (or any updated address we subsequently provide).  Any Claim Notice you send must provide your 
name, address and account number.  Any Claim Notice must explain the nature of the Claim and the relief that is demanded.  You may only submit a 
Claim Notice on your own behalf and not on behalf of any other party.  No third party, other than a lawyer you have personally retained, may submit a 
Claim  Notice  on  your  behalf.    The  Claimant  must  reasonably  cooperate  in  providing  any  information  about  the  Claim  that  the  other  party  reasonably 
requests. 
C. Arbitration Provision.  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN 
ACCORDANCE WITH PARAGRAPH 30.C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON 
THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1. Your  Right  to  Reject:    If  you  don’t  want  this  Arbitration  Provision  (and  any  prior  arbitration  agreement  between  you  and  us  (“Prior 
Arbitration  Agreement”))  to  apply,  you  may  reject  it  by  mailing  us  a written  rejection  notice  which  gives  the  name  of  each  Cardholder  and 
contains a statement that you (both of you, if more than one) reject the Arbitration Provision of this Agreement.  The rejection notice must be 
sent to us at World Financial Network Bank, PO Box 182422, Columbus, OH 43218-2422.  A rejection notice is only effective if it is signed by 
you  (all  of  you,  if  more  than  one)  and  if  we  receive  it  within  thirty  (30)  calendar  days  after  the  date  we  first  provide  you  with  a  credit  card 
agreement  or  written  notice  providing  you  a  right  to  reject  this  Arbitration  Provision.    Your  rejection  of  this  Arbitration  Provision  will  not 
affect any other provision of this Agreement or your ability to obtain credit. 
2. Parties Subject to  Arbitration:  Solely as used in this Arbitration  Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” 
mean (a) World Financial Network Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the 
“Bank Parties”); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such 
other person or company at the same time you assert a Claim against any Bank Party. 
3. Covered Claims:  “Claim” means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the 
Account, the issuance of any Card, any rewards program, any prior agreement or account.  “Claim” includes disputes arising from actions or omissions 
prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account.  “Claim” has the broadest 
possible  meaning,  and  includes  initial  claims,  counterclaims,  cross-claims  and  third-party  claims.    It  includes  disputes  based  upon  contract,  tort, 
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive 
or  declaratory  relief).    It  also  includes  disputes  about  the  validity,  enforceability,  arbitrability  or  scope  of  this  Arbitration  Provision  or  this  Agreement.  
However,  notwithstanding  any  language  in  this  Arbitration  Provision  to  the  contrary,  “Claim”  does  not  include  any  dispute  about  the  validity,  effect  or 
enforceability  of  the  prohibitions  against  class  proceedings,  private  attorney  general  proceedings  and/or  multiple-party  proceedings  described  in 
Paragraph 30.C.7. (the “Class Action Waiver”) or any dispute concerning the last sentence of Paragraph 30.C.13.; any such dispute shall be resolved by 
a court and not by an arbitrator or Administrator.  
4. Starting  an  Arbitration:    Arbitration  may  be  elected  by  any  party  with  respect  to  any  Claim,  even  if  that  party  has  already  initiated  a  lawsuit  with 
respect  to  a  different  Claim.    Arbitration  is  started  by  giving  a  written  demand  for  arbitration  to  the  other  party.    We  will  not  demand  to  arbitrate  an 
individual  Claim  that  you  bring  against  us  in  small  claims  court  or  your  state’s  equivalent  court,  if  any.    But  if  that  Claim  is  transferred,  removed  or 
appealed to a different court, we then have the right to demand arbitration. 
5.  Choosing  the  Administrator:    “Administrator”  means  the  American  Arbitration  Association  (“AAA”),  1633  Broadway,  10th  Floor,  New  York,  NY 
10019, www.adr.org;  JAMS is at 620 Eighth Avenue, 34th Floor, New York, NY  10018, www.jamsadr.com; or any other company selected by mutual 
agreement of the parties.  If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the 
Administrator  will  be  selected  by  a  court.    The  arbitrator  will  be  appointed  by  the  Administrator  in  accordance  with  the  rules  of  the  Administrator.  
However, the arbitrator must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give 
us written notice of your selection with  your notice that you are electing to arbitrate any Claim or within 20 days after we give you  notice that we are 
electing to arbitrate any Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved).  If you do 
not  select  the  Administrator  on  time,  we  may  do  it.    Notwithstanding  any  language  in  this  Arbitration  Provision  to  the  contrary,  no  arbitration  may  be 

administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent 
with the Class Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE 
THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM.  ALSO, YOUR ABILITY TO OBTAIN INFORMATION 
FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT.  OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT 
MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  
7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE 
IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER 
YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU 
MAY  NOT  BE  JOINED  OR  CONSOLIDATED  WITH  CLAIMS  BROUGHT  BY  OR  AGAINST  ANY  OTHER  PERSON;  AND  (4)  THE  ARBITRATOR 
SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR 
MULTIPLE-PARTY ARBITRATION.  
8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to you.  We will pay 
any and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in 
order for this Arbitration Provision to be enforced.  If you demand an arbitration, we will pay your reasonable attorneys’ and experts’ fees if you prevail or 
if we must bear such fees in order for this Arbitration Provision to be enforced.  Also, we will bear any fees if applicable law requires us to. 
9.  Governing  Law:    This  Arbitration  Provision  involves  interstate  commerce  and  is  governed  by  the  Federal  Arbitration  Act,  9  U.S.C.  §§  1-16  (the 
“FAA”), and not  by any state arbitration law.   The arbitrator  must  apply applicable substantive law  consistent with the FAA and applicable statutes of 
limitations and claims of privilege recognized at law.  The arbitrator may award any remedy provided by the substantive law that would apply if the action 
were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts).  
At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. 
10.  Right  to  Discovery:    In  addition  to  the  parties’  rights  to  obtain  discovery  pursuant  to  the  arbitration  rules  of  the  Administrator,  either  party  may 
submit  a  written  request  to  the  arbitrator  to  expand  the  scope  of  discovery  normally  allowable  under  the  arbitration  rules  of  the  Administrator.    The 
arbitrator shall have discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator’s award may be entered by any court having jurisdiction.  The arbitrator’s 
decision is final and binding, except for any right of appeal provided by the FAA.  However, if the amount of the Claim exceeds $50,000 or involves a 
request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days 
after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator.  The panel shall reconsider 
anew any aspect of the initial award requested by the appealing party.  The decision of the panel shall be by majority vote.  Reference in this Arbitration 
Provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken.  The costs of such an appeal will be borne in 
accordance with Paragraph 30.C.8. above. 
12.  Rules  of  Interpretation:    This  Arbitration  Provision  shall  survive  the  repayment  of  all  amounts  owed  under  this  Agreement,  the  closing  of  the 
Account, any legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law.  In the event of a conflict or inconsistency 
between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, this 
Arbitration Provision shall govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. 
13.  Severability:    If  any  portion  of  this  Arbitration  Provision,  other  than  the  Class  Action  Waiver,  is  deemed  invalid  or  unenforceable,  the  remaining 
portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration 
Agreement will remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver 
shall be subject to appeal. 
14. Special Payment:  If (1) you submit a Claim Notice in accordance with Paragraph 30.B. on your own behalf (and not on behalf of any other party); 
(2) we refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that you were entitled to such relief (or greater 
relief), the arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled). 
31.  Customer Service. For customer service, you can call toll-free: 1-800-853-2921 (TDD/TTY 1-800-695-1788). 
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the following: Torrid and such other retailers as we 
may determine from time to time by notifying you via electronic mail, statement message, posting on a website or such other method as we may 
determine. We reserve the right not to honor particular transactions, which may include, without limitation, transactions related to gambling, ATM usage 
at casinos (if applicable through this program), and illegal activities. 
Notice(s): 
For Wisconsin Residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-800-853-2921 (TDD/TTY 1-800-695-1788) and provide us with the 
name and address of your spouse.  We are required to inform your spouse that we have opened a credit account for you. 
For Bankruptcy Notifications: 
All  bankruptcy  notices  and  related  correspondence  to  WFNNB  should  be  sent  to  the  following  address:    WFNNB,  Bankruptcy  Department,  PO  Box 
182125 Columbus, OH 43218-2125.  

******************************* 

Your Billing Rights; Keep This Notice For Future Use 
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 
Notify  Us  In  Case  of  Errors  or  Questions  About  Your  Bill.  If  you  think  your  bill  (Statement)  is  wrong,  or  if  you  need  more  information  about  a 
transaction on your bill, write us on a separate sheet at PO Box 182782 Columbus, OH 43218-2782.  Write to us as soon as possible. We must hear 
from  you  no  later  than  60  days  after  we  sent  you  the  first  bill  on  which  the  error  or  problem  appeared.  You  can  telephone  us,  but  doing  so  will  not 
preserve your rights. 
In your letter, give us the following information: 
• 
• 
• 

Your name and Account Number. 
The dollar amount of the suspected error. 
Describe  the  error  and  explain,  if  you  can,  why  you  believe  there  is  an  error.  If  you  need  more  information,  describe  the  item  you  are  not  sure 
about. 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your  Written  Notice.  We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount 
you question, including Finance Charges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, 
you will not have to pay any Finance Charges related to any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, 
and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and 
the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to 
us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell 
you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. 
If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct. 

Special Rule For Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a 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  property  or 
services. There are two limitations on this right: 
A. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and 
B. The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 

WORLD FINANCIAL NETWORK BANK 
Wilmington, DE