Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

How to avoid Paying Interest 
on Purchases 

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. 

Minimum Interest Charge 

 If you are charged interest, the charge will be no less than $1.00 

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 
at 
http://www.federalreserve.gov/creditcard.

Reserve 

website 

Federal 

Board 

the 

of 

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/thelimited. 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, The Limited 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  The 
Limited.  You  hereby  authorize  us  to  furnish,  if  your  application  is  approved,  information  concerning  your  account  to  credit 
bureaus, other creditors and The Limited.  

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 The Limited.  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 The Limited 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 down to the nearest $5.00) 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  down  to  the  nearest  $5.00)  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. A 
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 September28, 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 
1-800-888-3257 (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 (as interest) 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: 1-800-888-3257 (TDD/TTY 1-800-695-1788). 
32. Using Your Credit Card Account. Your Account may be used to make purchases at The Limited 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 1-800-888-3257 (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 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 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 Network Bank, 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 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