Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
Purchases

Penalty APR and
When it applies

24.99%. This APR will vary with the market based on the Prime Rate.

26.99% 
This APR may be applied to your account if you fail to pay all or part of
your minimum payment due by the payment due date for three consecutive
Billing Periods.

How long will the Penalty APR Apply? If your APR is increased for this
reason, the Penalty APR will apply until such time as any delinquency is
cured and you then make six consecutive payments when due.

How to Avoid Paying
Interest on Purchases

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.

Minimum Interest
Charge

If you are charged interest, the charge will be no less than $2.00

For Credit Card Tips
from the Federal
Reserve Board

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 $35

Returned Payment Up to $29

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 June 29, 2012.
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  Capital  Bank  (WFCB),  PO  Box  183003,  Columbus,  OH  43218-3003,  see  the cardmailer with
your new credit card (if approved) or visit our website at comenity.net/osh. 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 Capital Bank,
unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual
knowledge of the adverse provision when the obligation to the Bank is incurred.
Customers Receiving Preapproved Credit Offers:  You  may  have  been  selected  for a pre-approved credit card account
offer  from  World  Financial  Capital  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.

************************************
WORLD FINANCIAL CAPITAL BANK 
OSH CREDIT CARD AGREEMENT
This is your Agreement with World Financial Capital Bank for customers of Orchard Supply Hardware LLC (OSH).
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 Capital 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 OSH 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 WFCB 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.
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; 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”). The corresponding ANNUAL PERCENTAGE RATE
will not increase above 26.99%. 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 $2.00 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 June 29, 2012, 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 1-800-304-8710 (TDD/TTY 1-888-819-1918) or write us at World Financial Capital
Bank, PO Box 183003, Columbus, OH 43218-3003.
G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 11) by the Payment
Due Date shown on your Statement for three consecutive Billing Periods, we may apply a penalty Annual Percentage Rate
("Penalty Rate") to the existing balance of your Account and to all new purchases. We will provide you notice of this rate
increase, when it will apply to your account, and for how long it will apply to your account, as required by applicable law.
The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate is 0.07394% (corresponding ANNUAL
PERCENTAGE RATE of 26.99%). The Penalty Rate will apply to your Account until such time as any delinquency is
cured and your account is kept in a current and satisfactory status for six (6) consecutive billing periods. On the seventh
billing period the Penalty Rate will no longer apply and your Account will be subject to the Daily Periodic Rate of Finance
Charge and corresponding Annual Percentage Rate as described above in Section 14D.
15. Other Fees and Charges. 
You agree to pay (as interest) the following fees and charges:
A. Late Fee. We can charge you a late fee of up to $35.00, 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 $29.00 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.
If you do not comply with your obligations under this Agreement, you agree to pay the reasonable attorneys' fees, expenses
and court costs we incur in order to collect your Account or protect our rights.
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 laws of the state in which the WFCB main office is located, 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 Capital 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. 
You authorize us to contact you by telephone regarding your Account. You agree that such telephone calls may be
automatically dialed and that a recorded message may be played. You agree that such telephone calls are not unsolicited
telephone calls 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 Capital 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 Capital 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 Capital 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.org; 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: 1-800-304-8710 (TDD/TTY 1-888-819-1918).
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the following: OSH 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 1-800-304-8710 (TDD/TTY 1-888-819-
1918) 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 WFCB should be sent to the following address: WFCB, Bankruptcy

Department, PO Box 183043 Columbus, OH 43218-3043
************************************
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 World Financial Capital Bank, PO Box 182620, Columbus, OH 43218-2620. 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 Capital Bank is a ComenitySM company.
Salt Lake City, Utah

CCA - OSH - (11/11)