Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-876; PO #0094014353; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;  
 B. Notice and cure any language in this Arbitration Provision to the contrary, no arbitration may be  � �
  Your MyPoint  Rewards Visa  Credit Card account agreement.             22147I005 (03/14)
 Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris- administered, without the consent of all parties to the arbitration, by any Admin-
 ing out of or related to this Agreement (as further de?ned below, a �Claim�),  istrator that has in place a formal or informal policy that is inconsistent with the  This card is issued by Comenity Capital Bank pursuant to a li-
  cense from Visa U.S.A. Inc. Visa is a registered trademark of  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
 the party asserting the Claim (the �Claimant�) shall give the other party (the  Class Action Waiver.
                                            ments for Regular Revolving and Promotional Credit Plan purchases plus any 
 �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  Visa U.S.A. Inc.  This Agreement covers the Terms and Condi-
                                            Past Due amounts. The total Minimum Payment Due on your account won�t be 
 opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  tions of your account with us. In this document, you will ?nd 
                                            less than $25.00. If your Account balance is less than $25.00, you must pay the 
 shall be sent in writing to the address we have in our records (or any updated  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
  important information about using and managing your account,  amount indicated on your Statement in full. The Minimum Payment Due for each 
 address you subsequently provide to us).  Any Claim Notice to us shall be sent by  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
  including a Privacy Statement and information concerning your  Regular Revolving and Cash Revolving Credit Plans will be: 
 mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
 IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  billing rights. Your use of the account, or failure to close the ac- �	 The greater of:
 (or any updated address we subsequently provide).  Any Claim Notice you send 
 7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- count within the 30 days of receiving this document, indicates  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
 must provide your name, address and Account number.  Any Claim Notice must 
                                                 Revolving Credit Plan Finance Charges shown on the Statement; or 
 explain the nature of the Claim and the relief that is demanded.  You may only  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  your acceptance of the terms of this agreement, including the 
                                              o $5.00
 submit a Claim Notice on your own behalf and not on behalf of any other party.  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- assessment of any interest charges and fees.
                                            �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
 No third party, other than a lawyer you have personally retained, may submit a  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
  Section I of this Agreement also includes a Jury Trial Waiver and  Charges shown on the Statement rounded up to the nearest $1.00.
 Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
  an Arbitration Provision in the event of a dispute. See Minimum Payment in Section C below for promotional credit plan minimum 
 ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
 DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND  �	 You have a right to reject this Arbitration Provision. payment calculations. 
 C. Arbitration provision
 (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  �	 If you do not reject this Arbitration Provision, it will be part  The APR information described below is accurate as of March 1, 2014.  Due to a 
 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  change in the index, this information may have changed.   To ?nd out more, call 
 A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
 THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- of this Agreement and will:
                                            us at 1-866-303-5087  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
 OR MULTIPLE-PARTY ARBITRATION. 
 LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- o  Eliminate your right to a trial by jury; and Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
 8. Location and Costs of Arbitration:  Any arbitration hearing that you attend 
 TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  o  Substantially affect your rights, including your right to  site at mypointsvisa.com.
 must take place at a location reasonably convenient to you. We will pay any and 
 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
 all fees of the Administrator and/or the arbitrator if applicable law requires us  bring, join in or participate in class proceedings. A. Getting Started
 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
 to, if you prevail in the arbitration or if we must bear such fees in order for this  Please read each section carefully and keep this document for 
 prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  De?nitions
 Arbitration Provision to be enforced. If you demand an arbitration, we will pay  your records.
 to apply, you may reject it by mailing us a written rejection notice which gives the  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
 your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
 name of each Cardholder and contains a statement that you (both of you, if more  In the following sections, you will ?nd information on: and �Your� mean each person who submits an application or solicitation for an 
 fees in order for this Arbitration Provision to be enforced. Also, we will bear any 
 than one) reject the Arbitration Provision of this Agreement. The rejection notice  Financial terms of your account: An at-a-glance summary of the fees and charges  Account with us. �Account� means your credit card account with us. �Card� 
 fees if applicable law requires us to.
 must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  associated with your account means each credit card we issue for your Account, as applicable. �Credit Plan� 
 9. Governing Law:  This Arbitration Provision involves interstate commerce and 
 43218-2422. A rejection notice is only effective if it is signed by you (all of you,  A.  Getting started: the basics of your account means one or more payment program options MyPoints may ask us to offer from 
 is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and 
 if more than one) and if we receive it within thirty (30) calendar days after the  B.  Keeping your account in good standing: avoiding default, and what to do if  time to time.
 not by any state arbitration law. The arbitrator must apply applicable substantive 
 date we ?rst provide you with a credit card agreement or written notice providing  your card is lost or stolen, as applicable Upholding your Agreement
 law consistent with the FAA and applicable statutes of limitations and claims of 
 you a right to reject this Arbitration Provision. Your rejection of this Arbitration  C.  Learning more about your account: credit plans, and credit limits, and how  �	 You agree to the terms of this Agreement, and promise to do everything 
 privilege recognized at law. The arbitrator may award any remedy provided by the 
 Provision will not affect any other provision of this Agreement or your ability to 
 substantive law that would apply if the action were pending in court (including,  payments are calculated and applied required of you. If you sign or submit an application or solicitation to obtain 
 obtain credit. D.  Interest, fees and charges: when and how fees and costs are applied to your  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
 without limitation, punitive damages, which shall be governed by the Constitu-
 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  bound if you sign a charge slip, or permit someone else to use the credit 
 tional standards employed by the courts). At the timely request of either party,  account
 (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  provided.
 the arbitrator must provide a brief written explanation of the basis for the award. E.  Other important information: legal rights, costs, and how we�ll handle 
 Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the  �	 You agree that the credit extended under your Account will be used only for 
 10. Right to Discovery:  In addition to the parties� rights to obtain discovery  changes to your account
 employees, of?cers and directors of such companies (the �Bank Parties�); and  personal, family or household purposes and not for business or commercial 
 pursuant to the arbitration rules of the Administrator, either party may submit  F.  Disputes and reporting to consumer reporting agencies: data we provide, 
 (b) any other person or company that provides any services in connection with  purpose.
 a written request to the arbitrator to expand the scope of discovery normally al- and receive from, consumer reporting agencies, and what to do if you think 
 this Agreement if you assert a Claim against such other person or company at the 
 lowable under the arbitration rules of the Administrator. The arbitrator shall have  there is an error on your periodic statement �	 If the Account is a joint Account, you and the joint Account holder will 
 same time you assert a Claim against any Bank Party.
 discretion to grant or deny that request. G.  Optional products: how to protect your account from fraud or theft, and  be bound by this Agreement. Each of you will be jointly and individually 
 3. Covered Claims:  �Claim� means any claim, dispute or controversy between  responsible for repaying all amounts due.  If more than one person is re-
 11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  information on services that can help pay your debt in case of emergencies
 you and us that in any way arises from or relates to this Agreement, the Account, 
  H.  Communicating with us: what happens when you contact us sponsible for this Account, we will only provide billing statements and com-
 award may be entered by any court having jurisdiction. The arbitrator�s decision 
 the issuance of any Card, any rewards program, any prior agreement or account. 
  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  munications to one of you.
 is ?nal and binding, except for any right of appeal provided by the FAA. However, 
 �Claim� includes disputes arising from actions or omissions prior to the date 
     a jury trial waiver and Arbitration provision �	 Any authorized user of your Account will be bound by the terms of this 
 if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
 any Card was issued to you, including the advertising related to, application for  Agreement. One additional Card may be issued with the individual name of 
 or declaratory relief that could foreseeably involve a cost or bene?t to either party  Privacy statement: how we collect, use, share, and protect your personal informa-
 or approval of the Account. �Claim� has the broadest possible meaning, and  an authorized user embossed on the Card. If you want to revoke the use of 
 exceeding $50,000, any party can, within 30 days after the entry of the award  tion; and the privacy choices you can make.
 includes initial claims, counterclaims, cross-claims and third-party claims. It  your Account by an authorized user, either write us at the address, or call us 
 by the arbitrator, appeal the award to a three-arbitrator panel administered by the 
 includes disputes based upon contract, tort, consumer rights, fraud and other  Financial terms of your account at the phone number, shown on your Statement.
 Administrator. The panel shall reconsider anew any aspect of the initial award 
 intentional torts, constitution, statute, regulation, ordinance, common law and  �	 You agree to pay for all transactions made on your Account by an authorized 
 requested by the appealing party. The decision of the panel shall be by majority 
 equity (including any claim for injunctive or declaratory relief). �Claim� does not  Interest Rates and Interest Charges
                                              user, whether or not such transactions were authorized by you or made for 
 vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the 
 include disputes about the validity, enforceability, coverage or scope of this Arbi- your bene?t.
 panel if an appeal of the arbitrator�s decision has been taken. The costs of such 
 tration Provision or any part thereof (including, without limitation, the prohibition  0% introductory APR for 6 months. Card signature (as applicable)
 an appeal will be borne in accordance with Paragraph C.8. above.
 against class proceedings, private attorney general proceedings and/or multiple 
   Annual Percentage  After that your APR will be  For your own protection, please sign your Card before using it. Keep in mind that 
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the  your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
 ment of all amounts owed under this Agreement, the closing of the Account, any 
 last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  Rate (APR) for 
                                            incurred on your Account.
 legal proceeding and any bankruptcy to the extent consistent with applicable  19.99%  
 a court and not an arbitrator to decide. However, any dispute or argument that  Purchases
                                            Using your Account
 bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra-
 concerns the validity or enforceability of the Agreement as a whole is for the  World Financial Capital Bank is a Comenity SM company. This APR will vary with the market 
 tion Provision, on the one hand, and the applicable arbitration rules or the other  �	 Your Account may be used to make purchases from anywhere Visa is ac-
 arbitrator, not a court, to decide. Salt Lake City, UT based on the Prime Rate.
 provisions of this Agreement, on the other hand, this Arbitration Provision shall  cepted.
 4. Starting an Arbitration:  Arbitration may be elected by any party with respect 
 govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. APR for Balance  26.99%   �	 We reserve the right to not honor transactions related to, including, but not 
 to any Claim, even if that party has already initiated a lawsuit with respect to a 
 13. Severability:  If any portion of this Arbitration Provision, other than the Class  limited to, gambling, ATM usage at casinos, and illegal activities.
 different Claim. Arbitration is started by giving a written demand for arbitration  Transfers and Cash  This APR will vary with the market 
 Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  �	 You may obtain a loan from us under your Account by using your Card or 
 to the other party. We will not demand to arbitrate an individual Claim that you  Advances based on the Prime Rate.
 nevertheless remain in force. If a determination is made that the Class Action  a convenience check as follows: by purchasing goods or services with your 
 bring against us in small claims court or your state�s equivalent court, if any. But 
 Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- Card or your Account number; by obtaining a cash advance from a ?nancial 
 if that Claim is transferred, removed or appealed to a different court, we then  World Financial Capital Bank is a Your due date is at least 23 days after 
 main in force and the remaining provisions shall be null and void, provided that  institution, by use of an ATM; by using a convenience check; or, by incurring 
 have the right to demand arbitration. Comenity SM company. the close of each billing cycle. We will 
 the determination concerning the Class Action Waiver shall be subject to appeal. charges authorized by this Agreement.
 5. Choosing the Administrator:  �Administrator� means the American Arbitration  Salt Lake City, UT not charge you interest on purchases 
 14. Special Payment:  If (1) you submit a Claim Notice in accordance with  �	 From time to time, in our sole discretion, we may send you convenience 
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www.
 Paragraph B above on your own behalf (and not on behalf of any other party);  if you pay your entire balance by the  checks for use in borrowing under this Agreement. All convenience checks 
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. Paying Interest
 (2) we refuse to provide you with the relief you request; and (3) an arbitrator  due date each month.   We will begin  you use will be treated as cash advances under this Agreement, and subject 
 jamsadr.com; or any other company selected by mutual agreement of the par-
 subsequently determines that you were entitled to such relief (or greater relief),  charging interest on balance transfers  to the terms and fees that apply to cash advances, unless we advise you 
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable 
 the arbitrator shall award you at least $5,100 (plus any fees and costs to which  otherwise.
 to select an Administrator by mutual consent, the Administrator will be selected  and cash advances on the transaction 
 you are entitled).                         �	 You agree that convenience checks that you use will not be returned to you.
 by a court. The arbitrator will be appointed by the Administrator in accordance  date.
                                            �	 You may not use the convenience checks to make payments on any Co-
 with the rules of the Administrator. However, the arbitrator must be a retired or  menity Capital Bank Account.
 former judge or a lawyer with at least 10 years of experience. You get to select the  Comenity Capital Bank, Salt Lake City, UT Minimum Interest  If you are charged interest, the charge 
                                            �	 You agree not to use a convenience check, and we do not have to pay any 
 Administrator if you give us written notice of your selection with your notice that  Charge will be no less than $2.00 per credit 
 328ALLC083013                                convenience check:
 you are electing to arbitrate any Claim or within 20 days after we give you notice  plan
 22147I005 (03/14)                            o  if you are in default under this Agreement;
 that we are electing to arbitrate any Claim (or, if you dispute our right to require  o  if payment of that convenience check would cause your outstanding 
 arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  To learn more about factors to consider 
   For Credit Card                               cash advance balance to exceed your cash advance limit; or
 If you do not select the Administrator on time, we may do it. Notwithstanding  when applying for or using a credit 
   Tips from the                              o  if we cancel or suspend your right to use convenience checks
                card, visit the website of the Consumer  �	 From time to time, in our sole discretion, we may offer you the ability to 
   Consumer Financial 
                Financial Protection Bureau at http:// transfer account balances from other credit card accounts you may have 
   Protection Bureau
                www.consumer?nance.gov/learnmore. to the Account. We may, in our sole discretion, offer promotional plans for 
                                              such balance transfers.
 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * �	 You may use the Card to obtain cash advances through certain ATMs. You 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Fees
 contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 will be given a Personal Identi?cation Number (PIN) which must be used in 
                                              order to obtain an ATM cash advance.
   �	   Annual	Fee   None
                                              o  Some limitations on ATM cash advances may apply, such as limita-
   Transaction Fees                              tions on dollar amount, number, or currency denominations.
                                              o  You agree that any charges imposed by third parties for use of their 
   �	   Balance	Transfer The greater of $10 or 3% of 
                                                 ATM facilities will be added to your Account balance as a cash ad-
                     the amount of the balance   vance.
                     transfer.              �	 If you make a purchase or obtain a cash advance in a foreign currency, it 
   �	   Cash	Advance The greater of $10 or 3%  will be converted by Visa into U.S. dollars in accordance with Visa Operating 
                     of the amount of the cash  Regulations in effect at the time the transaction is processed.
                                              o  The currency conversion rate in effect on the processing date may dif-
                     advance.
                                                 fer from the rate in effect on the transaction date or the posting date.
      companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Convenience	Checks The greater of $10 or 3% of  o  The currency conversion rate used may be the same as, greater than, or 
                     the amount of the convenience  less than the amount that would be calculated by conversion through 
                     check.                      a ?nancial institution in the country in which the purchase or cash 
   �	   Foreign	Transaction 3% of each transaction in U.S.  advance occurred.
                                            Making payments
                     dollars.
                                            �	 Pay your Account by sending a check, money order, or cashier�s check pay-
   Penalty Fees                               able in U.S. dollars, to the name and address shown on your Statement 
   �	   Late	Payment Up to $35.00             speci?ed for payments. Please don�t send cash.
                                            �	 Be sure to include your payment stub, do not staple your payment to the 
   �	   Returned	Payment Up to $35.00
                                              stub, use the envelope provided with your Statement and don�t send any 
  How We Will Calculate Your Balance: We use a method called  correspondence with your payment.
  �daily balance.� See your Account agreement for more details. �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                              your Account for up to ?ve days, or may be rejected.
  Loss of Introductory APR: We may end your introductory APR  �	 All written communications concerning disputed amounts, including any 
  and apply the Penalty APR if you make a late payment. check or other payment instrument marked with �payment in full� or similar 
                                              language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
  Billing Rights: Information on your rights to dispute  Antonio, Texas 78247-5004.
  transactions and how to exercise those rights is provided in your  o  We may accept a payment sent to any other address without losing any 
  account agreement.                             of our rights.
                                              o  No payment shall operate as an accord and satisfaction without our 
                                                 prior written approval.
  Comenity Capital Bank 1-866-303-5087  (TDD/TTY 1-888-819-1918)
  New York Residents: New York Residents may contact the New York state Depart- B. Keeping your account in good standing
  ment of Financial Services by telephone or visit its website for free information  Avoiding default
  on comparative credit card rates, fees, and grace periods. New York Department  You�ll be in default under this Agreement if you:
  of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. �	 Fail to make any payment when due
  Rate Information: The following chart provides details on your variable rate as of  �	 Violate any provision of this Agreement
  March 1, 2014. We divide the APR by 365 to determine the daily periodic rate. �	 Pass away
                                            �	 Become the subject of bankruptcy or insolvency proceedings
               Add to Index APR Daily Periodic Rate �	 Supply us with misleading, false, incomplete or incorrect information
                                            �	 Are unable or unwilling to perform the terms or conditions of this Agreement
   Purchase APR 16.74% 19.99% 0.05476%      �	 Fail to supply us with any information we deem necessary
                                            �	 Default under any other loan or agreement you have with us or any of our 
   Balance Transfers   23.74% 26.99% 0.07394%
                                              af?liates
   and Cash Advances
                                            �	 Become incompetent
  We�ll charge you a minimum interest charge of $2.00 per credit plan for any  �	 Exceed your Credit Limit
  billing period in which interest is due. For additional information, see Rates in  �	 Issue a payment returned unpaid by your bank for any reason
  Section D.
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-876; PO #0094014353; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;   If we consider your Account in default, we may suspend your ability to make  How we calculate Interest Charges on your Account connection with a credit extension, credit limit request, Account renewal or  To use this right, all of the following must be true:
  charges, close your Account, require you to pay the full amount you owe im- We calculate interest separately for each Credit Plan, using a �Daily Balance�  update, Account collection action, or dispute investigation. Upon request,  1. The purchase must have been made in your home state or within 100 miles 
  mediately or take any other action permitted by law. If applicable law requires  to determine interest charges for each billing period. Our calculation method is  we will tell you the name and address of any consumer reporting agency that  of your current mailing address, and the purchase price must have been more 
  us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  as follows: furnished a report on you. You consent to the obtaining of such reports by  than $50. (Note: Neither of these are necessary if your purchase was based on 
  your default.                             �	 We start with the beginning balance on your Account each day (including  signing or otherwise submitting an application or solicitation. an advertisement we mailed to you, or if we own the company that sold you the 
  Reporting a lost or stolen card (as applicable) unpaid interest charges and fees).   �	 You understand that we may report negative information (such as, late pay- goods or services.)
  If you notice the loss or theft of your credit card or a possible unauthorized use  �	 We subtract any payments or credit adjustments (treating any net credit  ments, missed payments, or other defaults) about your Account to con- 2. You must have used your credit card for the purchase. Purchases made with 
  of your card, you should write to us immediately at PO Box 183003, Columbus,  balance as a zero balance) and add new transactions and debit adjustments  sumer reporting agencies. cash advances from an ATM or with a check that accesses your credit card ac-
  Ohio 43218-3003 or call us at 1-866-303-5087  (TDD/TTY: 1-888-819-1918).  posted as of that day. This gives us the �Partial Daily Balance� for the day. �	 You give us permission to provide information about your Account to con- count do not qualify.
  You will not be liable for any unauthorized use that occurs after you notify us.  �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  sumer reporting agencies and other creditors, as well as to the retailer  3. You must not yet have fully paid for the purchase.
  You may, however, be liable for unauthorized use that occurs before your notice  Rate. This gives us the �Daily Interest Charge� for the day, which we add to  whose name appears on your Card. If all of the criteria above are met and you are still dissatis?ed with the purchase, 
  to us.  In any case, your liability will not exceed $50. the day�s Partial Daily Balance. Credit report disputes               contact us in writing at:
                                            �	 We�ve now determined the �Daily Balance,� which will be the beginning  If you believe the Account information we reported to a consumer reporting agen- Comenity Capital Bank
  C. Learning more about your account
                                               balance for the following day. This results in daily compounding of interest  cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO  PO Box 182620, Columbus, Ohio 43218-2620
  Credit Plans
                                               charges.                                Box 182120, Columbus, Ohio 43218-2120.    While we investigate, the same rules apply to the disputed amount as discussed 
  �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- �	 At the end of each billing period, we add together each Credit Plan�s Daily  Your written dispute must provide suf?cient information to identify the Account  above. After we ?nish our investigation, we will tell you our decision. At that 
    it Plan and one or more promotional Credit Plans. Credit Plans offered and  Interest Charge, which gives us the total interest charge. and specify why the information is inaccurate: point, if we think you owe an amount and you do not pay, we may report you as 
    their particular features (including but not limited to minimum purchase  �	 Your Statement will show a Balance Subject to Interest Rate, which is the  �	 Account Information:  Your name and Account number delinquent.
    requirements and minimum payment) may vary occasionally at our discre- sum of the Daily Balances for each day in the billing period divided by the  �	 Contact Information:  Your address and telephone number G. Optional products
    tion and include one or more Regular Revolving or promotional Credit Plans. total number of days. �	 Disputed Information:  Identify the Account information disputed and ex-
  �	 We may offer different promotional Credit Plans from time to time.                                                          Credit insurance (as applicable)
                                            Rates                                        plain why you believe it is inaccurate
  �	 If a promotional Credit Plan is offered at the time you open your Account,                                                  Purchasing credit insurance is optional. If you do choose to carry credit insur-
                                            �	 The Index in effect for each billing period will be the highest �Prime Rate�  �	 Supporting Documentation:  If available, provide a copy of the section of 
    this Agreement will include information about the terms for the Plan, by                                                     ance coverage, the premium charge will be added to your Account as a purchase 
                                               of interest as published in the �Money Rates� section of The Wall Street  the credit report showing the Account information you are disputing
    use of an insert, attachment, or other written information provided as part                                                  on the last day of each billing period.  You can cancel your coverage at any time.
                                               Journal for the calendar month preceding the month in which the billing pe- We will investigate the disputed information and report the results to you within 
    of this Agreement.                                                                                                           Account Assure Pro Debt cancellation (as applicable)
                                               riod begins, rounded upward if necessary, to the nearest .001% (�Index�).  30 days of receipt of the information needed for our investigation. If we ?nd that 
  �	 Normal late fees, returned payment fees and all other provisions apply to         the Account information we reported is inaccurate, we will promptly provide the  �	 Purchasing Account Assure Pro is optional.
                                            �	 Any variable APR may increase if the Index increases.
    any promotional Credit Plan, unless inconsistent with a particular Credit          necessary correction to each consumer reporting agency to which we reported  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
                                            �	 An increase or decrease in the APR will result in a corresponding increase 
    Plan offering.
                                               or decrease in the amount of interest and may increase the Total Minimum  the information. your application for credit or the terms of any existing credit agreement you 
  �	 If the promotional Credit Plan purchase isn�t paid in full before the promo-      Your Billing Rights: Keep This Document For Future Use have with us.
                                               Payment.
    tional period ends, the balance will be transferred to your Regular Revolving                                                �	 The monthly fee for Account Assure Pro is based on the outstanding month-
                                            Introductory Annual Percentage Rate        This notice tells you about your rights and our responsibilities under the Fair 
    balance.                                                                                                                        ly balance on your Account each month and will be added to your State-
                                            �	 If your account has a special introductory rate, it will apply to all purchases  Credit Billing Act.
  �	 Promotional Credit Plans may include:                                                                                          ment.
                                               made during the promotional period.     What To Do If You Find A Mistake On Your Statement
    o Waive Interest, Payment Required  o  Defer Interest, Payment Required                                                      �	 We�ll provide additional information before you�re required to pay for Ac-
                                            �	 Once the promotional period ends, or if you make a late payment, your stan- If you think there is an error on your statement, write to us at: Comenity Capital 
    o Waive Interest, Equal Payment  o  Defer Interest, Low Payment                                                                 count Assure Pro. This will include a copy of the terms and conditions 
                                               dard variable Annual Percentage Rate will apply to any remaining balance. Bank, PO Box 182620, Columbus, Ohio 43218-2620
    o Waive Interest, Low Payment  o  Low APR, Equal Payment                                                                        pertaining to Account Assure Pro.
                                            Other fees and charges                     In your letter, give us the following information:
    o Defer Interest, Equal Payment  o  Budget Payment                                                                           �	 You can cancel your Account Assure Pro at any time.
                                            You agree to pay the following fees and charges: �	 Account information: Your name and account number.
  Skip-payment option                                                                                                            �	 There are eligibility requirements, conditions, and exclusions that could 
                                            �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay- �	 Dollar amount: The dollar amount of the suspected error.
  �	 At our discretion, we may allow you to skip making the Minimum Payment.                                                        prevent you from receiving bene?ts under Account Assure Pro.
                                               ment Due Date, we will charge you a late fee. �	 Description of problem: If you think there is an error on your bill, describe 
  �	 Finance Charges will be assessed during the skip-payment period, but a late                                                 �	 Be sure to carefully read the Addendum for a full explanation of the terms 
                                               o  The fee is $25.00 if you were not charged a late fee during any of the  what you believe is wrong and why you believe it is a mistake.
    fee won�t be imposed.  This will not be considered a waiver of any of the                                                       of Account Assure Pro.
                                                 prior six billing periods.            You must contact us:
    rights granted by this Agreement.                                                  �	 Within 60 days after the error appeared on your statement. H. Communicating with us
                                               o  Otherwise, the fee is $35.00.
  �	 All other terms of your Account apply during the skip-payment period.
                                               o  This fee will never exceed the minimum payment due that was due  �	 At least 3 business days before an automated payment is scheduled, if you  Communicating to you about your Account
  Credit limit
                                                 immediately prior to the date on which the fee was assessed. want to stop payment on the amount you think is wrong. If we need to contact you to service your Account or to collect amounts you owe 
  �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
                                            �	 Returned Payment Fee: We may charge you a fee for each payment that your  You must notify us of any potential errors in writing. You may call us, but if you  to us, you give direct consent to us, as well as servicers, agents, contractors and 
    any time.
                                               bank doesn�t honor for any reason.      do we are not required to investigate any potential errors and you may have to  collectors of your Account, to communicate with you in any way, such as calling, 
  �	 You may not exceed any Credit Limit that we set for your Account.
                                               o  The fee is $25.00 if you were not charged a returned payment fee  pay the amount in question. texting, or electronic mail via:
  �	 If you do exceed your Credit Limit, we can still charge you for all transac-
                                                 during any of the prior six billing periods. What Will Happen After We Receive Your Letter 1)  a cell, landline, or text number you provide, use to contact us, or at which 
    tions, interest and other charges without giving up any of our rights under 
                                               o  Otherwise, the fee is $35.00.        When we receive your letter, we must do two things: we believe we can reach you (even if it is not yours),
    this Agreement.
                                               o  This fee will never exceed the minimum payment due that was due  1. Within 30 days of receiving your letter, we must tell you that we received your  2)  any electronic mail address you provide to us or one of our merchants,
  �	 We may change your Credit Limit at any time.
                                                 immediately prior to the date on which the fee was assessed. letter. We will also tell you if we have already corrected the error. 3)  automated dialer systems and automatic telephone dialing systems,
  Account cancellation
                                            �	 Although we may decide to do so, we aren�t required to attempt to collect a  2. Within 90 days of receiving your letter, we must either correct the error or  4)  pre-recorded or arti?cial voice messages and other forms of communica-
  �	 You may cancel your Account. You�re still obligated to pay the full amount  payment more than once. explain to you why we believe the bill is correct. tions.
    you owe us.                             �	 Document Fees: If we provide you with a copy of any Statement, sales draft  While we investigate whether or not there has been an error: You also agree that these communications aren�t unsolicited for purposes of any 
  �	 We may cancel your Account at any time, for any reason. or similar document at your request (except in connection with billing error  �	 We cannot try to collect the amount in question, or report you as delinquent  state or federal law, and you understand that this may result in additional mobile, 
  �	 We may refuse to authorize any transaction on your Account. We may also  inquiries or resolution), we may charge the Account the following fee(s),  on that amount. text message, or data charges.
    suspend your Account and your right to use your Card, including each Card  subject to any limitations of applicable law: �	 The charge in question may remain on your statement, and we may continue  Phone monitoring
    you give to others.                        o  Statement copy - $6.00                 to charge you interest on that amount.  �	 To provide you with high-quality service, phone communication with us is 
  �	 We may stop offering any Credit Plan at any time, for any reason. o  Sales/Credit Draft copy - $6.00 �	 While you do not have to pay the amount in question, you are responsible  monitored and/or recorded.  
  �	 Cancellation or suspension of your Account doesn�t negate your obligation  o  Check/Money Order copy - $6.00 for the remainder of your balance. �	 You agree that we monitor and/or record any phone calls between you and 
    to pay any amount you owe us.           �	 Alternative Payment Method Fee: We may offer alternative payment meth- �	 We can apply any unpaid amount against your credit limit. us.  
  �	 Cancellation of your Account includes each Card you give to others. ods that allow you to make individual, expedited payments to your Account  After we ?nish our investigation, one of two things will happen: �	 Please inform all authorized cardholders of this provision, including anyone 
  �	 Cards are issued with an expiration date. We have the right not to renew  over the phone.  If you choose to use this payment method, we may assess  �	 If we made a mistake: You will not have to pay the amount in question or  acting on your behalf or making payments on this Account.
    your Account.                              the current fee we charge for this service, subject to any limitations of ap- any interest or other fees related to that amount. For Wisconsin residents:
  Minimum Payment                              plicable law. Currently, that fee is up to $15.00 but may change. We�ll let  �	 If we do not believe there was a mistake: You will have to pay the amount in 
                                                                                                                                 If you are married, please contact us immediately upon receipt of this Agreement 
  �	 You can pay all of your Account balance at any time without  you know the current fee before you authorize any payment(s), and you can  question, along with applicable interest and fees. We will send you a state-
                                                                                                                                 at 1-866-303-5087  (TDD/TTY 1-888-819-1918) and provide us with the name 
    penalty.                                   withdraw your request if you don�t want to pay the fee. ment of the amount you owe and the date payment is due. We may then 
                                                                                                                                 and address of your spouse. We are required to inform your spouse that we have 
  �	 You must pay at least the Total Minimum Payment for each billing period by  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- report you as delinquent if you do not pay the amount we think you owe.
                                                                                                                                 opened a credit account for you.
    the Payment Due Date shown on your Statement. cial institution or through an ATM, you will pay a transaction fee equal to  If you receive our explanation but still believe your bill is wrong, you must write 
                                                                                                                                 For bankruptcy noti?cations:
  �	 The Minimum Payment is the total of the minimum payments for the Regu- the greater of $10 or 3% of the amount of the cash advance. You take a  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
                                                                                                                                 All bankruptcy notices and related correspondence to Comenity Capital Bank 
    lar Revolving and promotional Credit Plans plus any Past Due amounts. cash advance if you use a convenience check; get money through an auto- report you as delinquent without also reporting that you are questioning your bill. 
                                                                                                                                 should be sent to the following address: Comenity Capital Bank, Bankruptcy 
  �	 The Total Minimum Payment won�t be less than $25.00. If your Account  mated teller machine (ATM); or get money through a ?nancial institution. We must tell you the name of anyone to whom we reported you as delinquent, 
                                                                                                                                 Department, PO Box 183043, Columbus, Ohio 43218-3043.
    balance is less than $25.00, you must pay the amount indicated on your  �	 Convenience Check Fee:  For any convenience check written against your  and we must let those organizations know when the matter has been settled 
                                                                                       between us.                               I. Arbitration and jury trial waiver
    Statement in full.                         Account, you will pay a transaction fee equal to the greater of $10 or 3% of 
  �	 The minimum payment for each Credit Plan is calculated as follows: the amount of the convenience check. If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  A. Jury trial waiver
    o  The minimum payment for the Waive Interest, Payment Required and  �	 Balance Transfer Fee:  For any balance transfer from another account, you  the amount you question even if your bill is correct. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
       Defer Interest, Payment Required Credit Plans will be the greater of: will pay a transaction fee equal to the greater of $10 or 3% of the amount  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
         (a) $5.00 or                          of the balance transfer.                If you are dissatis?ed with the goods or services that you have purchased with  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
         (b) 5% (rounded up to the nearest $1.00) of the New Balance  �	 Foreign Transaction Fee: For any charge or cash advance outside the United  your credit card, and you have tried in good faith to correct the problem with the  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
         shown on your Statement for that Credit Plan. States or in a foreign currency, you will pay a transaction fee equal to 3%  merchant, you may have the right not to pay the remaining amount due on the  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
    o  The minimum payment for the Waive Interest, Equal Payment and  of the U.S. dollar amount of the transaction.  If a charge or cash advance  purchase. IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
       Defer Interest, Equal Payment Credit Plans will be the amount of the  is converted into U.S. dollars our network providers (Visa, MasterCard, and 
       purchase divided by the number of months between the date of the  Discover) will select either (1) a rate from the range of rates available in 
       purchase and the promotional period end date (minimum $5.00)  wholesale currency markets for the applicable central processing date, 
       rounded up to the nearest $1.00.        which may vary from the rate the network provider itself receives, or (2) a 
    o  The minimum payment for the Low APR, Equal Payment Credit Plan  government-mandated rate in effect for the applicable central processing 
                                                                                                              *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
       will be the amount of the purchase including the calculated interest  date.
       charges that will be assessed from the date of purchase through the  �	 Return Convenience Check Fee: For each convenience check written against 
       end of the promotional period divided by the number of months be- your Account which fails to clear and is returned unsatis?ed, you will pay a 
       tween the date of the purchase and the promotional period end date  fee of up to $35. 
       (minimum $5.00) rounded up to the nearest $1.00. �	 Stop Payment Fee: For each convenience check written against your Ac-
    o  The minimum payment for the Waive Interest, Low Payment and Defer  count on which you request us to stop payment, you will pay a fee of up to  rev.	04/13
       Interest, Low Payment Credit Plans will be the greater of: $35, regardless of whether we actually stop payment on the convenience  No No No No Yes Yes Yes
         (a) $5.00 or                          check.
         (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  E. Other important information                      Can you limit   this sharing?
         shown on your Statement for that Credit Plan.
                                            Collection costs
  Payment application
                                            To the extent not prohibited by applicable law, you agree to pay the reasonable 
  �	 We reserve the right to apply payments equal to or less than the Total Mini-
                                            costs for collecting amounts due, including reasonable attorney�s fees and court 
    mum Payment however we see ?t, which may result in balances subject to 
                                            costs incurred by us or another person or entity.
    lower interest rates being paid prior to other balances. This may also result 
                                            Changes
    in higher interest charges.
  �	 Any payment you make in excess of the required Total Minimum Payment  We may add, change, or delete the terms of your Account. If required by appli-
                                            cable law, we will give you advance written notice of the change(s) and a right to   Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
    will be allocated to your Account as required by applicable law.                                                         share?
  �	 Excess payments received before a deferred interest promotion expires are  reject the change(s).
    applied to the deferred interest promotional balance ?rst in the last two  Security Interest
                                                                                                                            Does Comenity 
    billing periods of the promotional period. You grant us a security interest in all goods you purchase through the use of the 
                                            Account, now or at any time in the future and in all accessions to and proceeds of 
  D. Interest, fees and charges
                                            such goods. We waive any security interest we may have in your principal dwell-
  Interest charges                          ing, to the extent that it would otherwise secure any obligation arising hereunder.
  �	 There is no period in which you can pay back a cash advance, any other  Changes to your information
    transaction treated as a cash advance under this Agreement, or a balance  You agree to notify us immediately of any changes to your name, mailing address, 
    transfer to avoid incurring a Finance Charge. For a cash advance using a  electronic mail address or telephone number(s).
    convenience check, the date of the advance is the date the convenience  Governing Law
    check is presented to us or our agent for payment. For all other cash ad-
                                            THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
    vances, the date of the advance is the date you obtained the advance.
                                            THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
  �	 If you make a purchase under a Regular Revolving Credit Plan, interest 
                                            MITTED OR REQUIRED BY APPLICABLE LAW.
    charges won�t be imposed in any billing period in which (i) no Previous Bal-
                                            Transfer of Rights/Assignment
    ance exists or (ii) payments received and credits issued by the Payment Due 
                                            Your rights under this Agreement can�t be transferred by you, by operation of law 
    Date, equal or exceed the Previous Balance.
                                            or otherwise, but your obligations will be binding upon your estate or personal 
  �	 If the New Balance shown on your last Statement isn�t paid in full by the 
                                            representatives. We may transfer or assign your Account and/or this Agreement, 
    Payment Due Date shown on your last Statement, there will be an interest 
                                            or any of our rights under this Agreement, to another person or entity at any time 
    charge on each purchase from the date of purchase.
                                            without prior notice to you or your consent.
  �	 If you make a purchase under any Waive Interest Credit Plan, we won�t 
                                            No Waiver of Rights                                              Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	
    charge interest on the purchase if you pay the total purchase amount be-                                                                           Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
    fore the end of the promotional period. If you don�t pay the total purchase  We can delay enforcing our rights under this Agreement without losing them.
    amount before the end of the promotional period, we�ll add the remaining  Severability WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
                                            If any provision of this Agreement is in con?ict with applicable law, that provision  information
    amount to your Regular Revolving balance. We�ll also begin charging inter-
    est on the purchase from the ?rst day after the promotional period ends. will be considered to be modi?ed to conform with applicable law.
  �	 If you make a purchase under any Defer Interest Promotional Credit Plan  Notice to New Jersey Residents
    and don�t pay the total amount before the end of the promotional period,  All provisions of this agreement are valid, enforceable and applicable in New 
    we�ll add the remaining purchase amount and the amount of accrued inter- Jersey.
    est to your Regular Revolving balance.  F. Disputes and Reporting to Consumer Reporting Agencies
  �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,                                                     Reasons we can share your personal  
                                            Credit Reports
    interest will be assessed from the date of purchase through the end of the              FACTS   Why?     What?    How?                                    sharing
    promotional period.                     �	 You give us permission to investigate your credit record.
                                            �	 You agree that a credit report may be requested in connection with the                                       To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
                                               processing of your credit application. A report may also be requested in        For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                                                                                                            CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-876; PO #0094014353; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;   If we consider your Account in default, we may suspend your ability to make  How we calculate Interest Charges on your Account connection with a credit extension, credit limit request, Account renewal or  To use this right, all of the following must be true:
 charges, close your Account, require you to pay the full amount you owe im- We calculate interest separately for each Credit Plan, using a �Daily Balance�  update, Account collection action, or dispute investigation. Upon request,  1. The purchase must have been made in your home state or within 100 miles 
 mediately or take any other action permitted by law. If applicable law requires  to determine interest charges for each billing period. Our calculation method is  we will tell you the name and address of any consumer reporting agency that  of your current mailing address, and the purchase price must have been more 
 us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  as follows: furnished a report on you. You consent to the obtaining of such reports by  than $50. (Note: Neither of these are necessary if your purchase was based on 
 your default. �	 We start with the beginning balance on your Account each day (including  signing or otherwise submitting an application or solicitation. an advertisement we mailed to you, or if we own the company that sold you the 
 Reporting a lost or stolen card (as applicable) unpaid interest charges and fees). �	 You understand that we may report negative information (such as, late pay- goods or services.)
 If you notice the loss or theft of your credit card or a possible unauthorized use  �	 We subtract any payments or credit adjustments (treating any net credit  ments, missed payments, or other defaults) about your Account to con- 2. You must have used your credit card for the purchase. Purchases made with 
 of your card, you should write to us immediately at PO Box 183003, Columbus,  balance as a zero balance) and add new transactions and debit adjustments  sumer reporting agencies. cash advances from an ATM or with a check that accesses your credit card ac-
 Ohio 43218-3003 or call us at 1-866-303-5087  (TDD/TTY: 1-888-819-1918).  posted as of that day. This gives us the �Partial Daily Balance� for the day. �	 You give us permission to provide information about your Account to con- count do not qualify.
 You will not be liable for any unauthorized use that occurs after you notify us.  �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  sumer reporting agencies and other creditors, as well as to the retailer  3. You must not yet have fully paid for the purchase.
 You may, however, be liable for unauthorized use that occurs before your notice  Rate. This gives us the �Daily Interest Charge� for the day, which we add to  whose name appears on your Card. If all of the criteria above are met and you are still dissatis?ed with the purchase, 
 to us.  In any case, your liability will not exceed $50. the day�s Partial Daily Balance. Credit report disputes contact us in writing at:
 �	 We�ve now determined the �Daily Balance,� which will be the beginning  If you believe the Account information we reported to a consumer reporting agen- Comenity Capital Bank
 C. Learning more about your account
 balance for the following day. This results in daily compounding of interest  cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO  PO Box 182620, Columbus, Ohio 43218-2620
 Credit Plans
 charges. Box 182120, Columbus, Ohio 43218-2120.  While we investigate, the same rules apply to the disputed amount as discussed 
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- �	 At the end of each billing period, we add together each Credit Plan�s Daily  Your written dispute must provide suf?cient information to identify the Account  above. After we ?nish our investigation, we will tell you our decision. At that 
 it Plan and one or more promotional Credit Plans. Credit Plans offered and  Interest Charge, which gives us the total interest charge. and specify why the information is inaccurate: point, if we think you owe an amount and you do not pay, we may report you as 
 their particular features (including but not limited to minimum purchase  �	 Your Statement will show a Balance Subject to Interest Rate, which is the  �	 Account Information:  Your name and Account number delinquent.
 requirements and minimum payment) may vary occasionally at our discre- sum of the Daily Balances for each day in the billing period divided by the  �	 Contact Information:  Your address and telephone number G. Optional products
 tion and include one or more Regular Revolving or promotional Credit Plans. total number of days. �	 Disputed Information:  Identify the Account information disputed and ex-
 �	 We may offer different promotional Credit Plans from time to time. Credit insurance (as applicable)
 Rates plain why you believe it is inaccurate
 �	 If a promotional Credit Plan is offered at the time you open your Account,  Purchasing credit insurance is optional. If you do choose to carry credit insur-
 �	 The Index in effect for each billing period will be the highest �Prime Rate�  �	 Supporting Documentation:  If available, provide a copy of the section of 
 this Agreement will include information about the terms for the Plan, by  ance coverage, the premium charge will be added to your Account as a purchase 
 of interest as published in the �Money Rates� section of The Wall Street  the credit report showing the Account information you are disputing
 use of an insert, attachment, or other written information provided as part  on the last day of each billing period.  You can cancel your coverage at any time.
 Journal for the calendar month preceding the month in which the billing pe- We will investigate the disputed information and report the results to you within 
 of this Agreement.                         Account Assure Pro Debt cancellation (as applicable)
 riod begins, rounded upward if necessary, to the nearest .001% (�Index�).  30 days of receipt of the information needed for our investigation. If we ?nd that 
 �	 Normal late fees, returned payment fees and all other provisions apply to  the Account information we reported is inaccurate, we will promptly provide the  �	 Purchasing Account Assure Pro is optional.
 �	 Any variable APR may increase if the Index increases.
 any promotional Credit Plan, unless inconsistent with a particular Credit  necessary correction to each consumer reporting agency to which we reported  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
 �	 An increase or decrease in the APR will result in a corresponding increase 
 Plan offering.
 or decrease in the amount of interest and may increase the Total Minimum  the information. your application for credit or the terms of any existing credit agreement you 
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- Your Billing Rights: Keep This Document For Future Use have with us.
 Payment.
 tional period ends, the balance will be transferred to your Regular Revolving  �	 The monthly fee for Account Assure Pro is based on the outstanding month-
 Introductory Annual Percentage Rate This notice tells you about your rights and our responsibilities under the Fair 
 balance.                                     ly balance on your Account each month and will be added to your State-
 �	 If your account has a special introductory rate, it will apply to all purchases  Credit Billing Act.
 �	 Promotional Credit Plans may include:     ment.
 made during the promotional period. What To Do If You Find A Mistake On Your Statement
 o Waive Interest, Payment Required  o  Defer Interest, Payment Required �	 We�ll provide additional information before you�re required to pay for Ac-
 �	 Once the promotional period ends, or if you make a late payment, your stan- If you think there is an error on your statement, write to us at: Comenity Capital 
 o Waive Interest, Equal Payment  o  Defer Interest, Low Payment count Assure Pro. This will include a copy of the terms and conditions 
 dard variable Annual Percentage Rate will apply to any remaining balance. Bank, PO Box 182620, Columbus, Ohio 43218-2620
 o Waive Interest, Low Payment  o  Low APR, Equal Payment pertaining to Account Assure Pro.
 Other fees and charges In your letter, give us the following information:
 o Defer Interest, Equal Payment  o  Budget Payment �	 You can cancel your Account Assure Pro at any time.
 You agree to pay the following fees and charges: �	 Account information: Your name and account number.
 Skip-payment option                        �	 There are eligibility requirements, conditions, and exclusions that could 
 �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay- �	 Dollar amount: The dollar amount of the suspected error.
 �	 At our discretion, we may allow you to skip making the Minimum Payment. prevent you from receiving bene?ts under Account Assure Pro.
 ment Due Date, we will charge you a late fee. �	 Description of problem: If you think there is an error on your bill, describe 
 �	 Finance Charges will be assessed during the skip-payment period, but a late  �	 Be sure to carefully read the Addendum for a full explanation of the terms 
 o  The fee is $25.00 if you were not charged a late fee during any of the  what you believe is wrong and why you believe it is a mistake.
 fee won�t be imposed.  This will not be considered a waiver of any of the  of Account Assure Pro.
 prior six billing periods. You must contact us:
 rights granted by this Agreement. �	 Within 60 days after the error appeared on your statement. H. Communicating with us
 o  Otherwise, the fee is $35.00.
 �	 All other terms of your Account apply during the skip-payment period.
 o  This fee will never exceed the minimum payment due that was due  �	 At least 3 business days before an automated payment is scheduled, if you  Communicating to you about your Account
 Credit limit
 immediately prior to the date on which the fee was assessed. want to stop payment on the amount you think is wrong. If we need to contact you to service your Account or to collect amounts you owe 
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
 �	 Returned Payment Fee: We may charge you a fee for each payment that your  You must notify us of any potential errors in writing. You may call us, but if you  to us, you give direct consent to us, as well as servicers, agents, contractors and 
 any time.
 bank doesn�t honor for any reason. do we are not required to investigate any potential errors and you may have to  collectors of your Account, to communicate with you in any way, such as calling, 
 �	 You may not exceed any Credit Limit that we set for your Account.
 o  The fee is $25.00 if you were not charged a returned payment fee  pay the amount in question. texting, or electronic mail via:
 �	 If you do exceed your Credit Limit, we can still charge you for all transac-
 during any of the prior six billing periods. What Will Happen After We Receive Your Letter 1)  a cell, landline, or text number you provide, use to contact us, or at which 
 tions, interest and other charges without giving up any of our rights under 
 o  Otherwise, the fee is $35.00. When we receive your letter, we must do two things: we believe we can reach you (even if it is not yours),
 this Agreement.
 o  This fee will never exceed the minimum payment due that was due  1. Within 30 days of receiving your letter, we must tell you that we received your  2)  any electronic mail address you provide to us or one of our merchants,
 �	 We may change your Credit Limit at any time.
 immediately prior to the date on which the fee was assessed. letter. We will also tell you if we have already corrected the error. 3)  automated dialer systems and automatic telephone dialing systems,
 Account cancellation
 �	 Although we may decide to do so, we aren�t required to attempt to collect a  2. Within 90 days of receiving your letter, we must either correct the error or  4)  pre-recorded or arti?cial voice messages and other forms of communica-
 �	 You may cancel your Account. You�re still obligated to pay the full amount  payment more than once. explain to you why we believe the bill is correct. tions.
 you owe us. �	 Document Fees: If we provide you with a copy of any Statement, sales draft  While we investigate whether or not there has been an error: You also agree that these communications aren�t unsolicited for purposes of any 
 �	 We may cancel your Account at any time, for any reason. or similar document at your request (except in connection with billing error  �	 We cannot try to collect the amount in question, or report you as delinquent  state or federal law, and you understand that this may result in additional mobile, 
 �	 We may refuse to authorize any transaction on your Account. We may also  inquiries or resolution), we may charge the Account the following fee(s),  on that amount. text message, or data charges.
 suspend your Account and your right to use your Card, including each Card  subject to any limitations of applicable law: �	 The charge in question may remain on your statement, and we may continue  Phone monitoring
 you give to others. o  Statement copy - $6.00 to charge you interest on that amount. �	 To provide you with high-quality service, phone communication with us is 
 �	 We may stop offering any Credit Plan at any time, for any reason. o  Sales/Credit Draft copy - $6.00 �	 While you do not have to pay the amount in question, you are responsible  monitored and/or recorded.  
 �	 Cancellation or suspension of your Account doesn�t negate your obligation  o  Check/Money Order copy - $6.00 for the remainder of your balance. �	 You agree that we monitor and/or record any phone calls between you and 
 to pay any amount you owe us. �	 Alternative Payment Method Fee: We may offer alternative payment meth- �	 We can apply any unpaid amount against your credit limit. us.  
 �	 Cancellation of your Account includes each Card you give to others. ods that allow you to make individual, expedited payments to your Account  After we ?nish our investigation, one of two things will happen: �	 Please inform all authorized cardholders of this provision, including anyone 
 �	 Cards are issued with an expiration date. We have the right not to renew  over the phone.  If you choose to use this payment method, we may assess  �	 If we made a mistake: You will not have to pay the amount in question or  acting on your behalf or making payments on this Account.
 your Account. the current fee we charge for this service, subject to any limitations of ap- any interest or other fees related to that amount. For Wisconsin residents:
 Minimum Payment plicable law. Currently, that fee is up to $15.00 but may change. We�ll let  �	 If we do not believe there was a mistake: You will have to pay the amount in 
                                            If you are married, please contact us immediately upon receipt of this Agreement 
 �	 You can pay all of your Account balance at any time without  you know the current fee before you authorize any payment(s), and you can  question, along with applicable interest and fees. We will send you a state-
                                            at 1-866-303-5087  (TDD/TTY 1-888-819-1918) and provide us with the name 
 penalty. withdraw your request if you don�t want to pay the fee. ment of the amount you owe and the date payment is due. We may then 
                                            and address of your spouse. We are required to inform your spouse that we have 
 �	 You must pay at least the Total Minimum Payment for each billing period by  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- report you as delinquent if you do not pay the amount we think you owe.
                                            opened a credit account for you.
 the Payment Due Date shown on your Statement. cial institution or through an ATM, you will pay a transaction fee equal to  If you receive our explanation but still believe your bill is wrong, you must write 
                                            For bankruptcy noti?cations:
 �	 The Minimum Payment is the total of the minimum payments for the Regu- the greater of $10 or 3% of the amount of the cash advance. You take a  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
                                            All bankruptcy notices and related correspondence to Comenity Capital Bank 
 lar Revolving and promotional Credit Plans plus any Past Due amounts. cash advance if you use a convenience check; get money through an auto- report you as delinquent without also reporting that you are questioning your bill. 
                                            should be sent to the following address: Comenity Capital Bank, Bankruptcy 
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account  mated teller machine (ATM); or get money through a ?nancial institution. We must tell you the name of anyone to whom we reported you as delinquent, 
                                            Department, PO Box 183043, Columbus, Ohio 43218-3043.
 balance is less than $25.00, you must pay the amount indicated on your  �	 Convenience Check Fee:  For any convenience check written against your  and we must let those organizations know when the matter has been settled 
 between us.                                I. Arbitration and jury trial waiver
 Statement in full. Account, you will pay a transaction fee equal to the greater of $10 or 3% of 
 �	 The minimum payment for each Credit Plan is calculated as follows: the amount of the convenience check. If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  A. Jury trial waiver
 o  The minimum payment for the Waive Interest, Payment Required and  �	 Balance Transfer Fee:  For any balance transfer from another account, you  the amount you question even if your bill is correct. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
 Defer Interest, Payment Required Credit Plans will be the greater of: will pay a transaction fee equal to the greater of $10 or 3% of the amount  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
 (a) $5.00 or of the balance transfer. If you are dissatis?ed with the goods or services that you have purchased with  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
 (b) 5% (rounded up to the nearest $1.00) of the New Balance  �	 Foreign Transaction Fee: For any charge or cash advance outside the United  your credit card, and you have tried in good faith to correct the problem with the  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
 shown on your Statement for that Credit Plan. States or in a foreign currency, you will pay a transaction fee equal to 3%  merchant, you may have the right not to pay the remaining amount due on the  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
 o  The minimum payment for the Waive Interest, Equal Payment and  of the U.S. dollar amount of the transaction.  If a charge or cash advance  purchase. IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
 Defer Interest, Equal Payment Credit Plans will be the amount of the  is converted into U.S. dollars our network providers (Visa, MasterCard, and 
 purchase divided by the number of months between the date of the  Discover) will select either (1) a rate from the range of rates available in 
 purchase and the promotional period end date (minimum $5.00)  wholesale currency markets for the applicable central processing date, 
 rounded up to the nearest $1.00. which may vary from the rate the network provider itself receives, or (2) a 
 o  The minimum payment for the Low APR, Equal Payment Credit Plan  government-mandated rate in effect for the applicable central processing 
                         *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 will be the amount of the purchase including the calculated interest  date.
 charges that will be assessed from the date of purchase through the  �	 Return Convenience Check Fee: For each convenience check written against 
 end of the promotional period divided by the number of months be- your Account which fails to clear and is returned unsatis?ed, you will pay a 
 tween the date of the purchase and the promotional period end date  fee of up to $35. 
 (minimum $5.00) rounded up to the nearest $1.00. �	 Stop Payment Fee: For each convenience check written against your Ac-
 o  The minimum payment for the Waive Interest, Low Payment and Defer  count on which you request us to stop payment, you will pay a fee of up to  rev.	04/13
 Interest, Low Payment Credit Plans will be the greater of: $35, regardless of whether we actually stop payment on the convenience  No No No No Yes Yes Yes
 (a) $5.00 or check.
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  E. Other important information  Can you limit   this sharing?
 shown on your Statement for that Credit Plan.
 Collection costs
 Payment application
 To the extent not prohibited by applicable law, you agree to pay the reasonable 
 �	 We reserve the right to apply payments equal to or less than the Total Mini-
 costs for collecting amounts due, including reasonable attorney�s fees and court 
 mum Payment however we see ?t, which may result in balances subject to 
 costs incurred by us or another person or entity.
 lower interest rates being paid prior to other balances. This may also result 
 Changes
 in higher interest charges.
 �	 Any payment you make in excess of the required Total Minimum Payment  We may add, change, or delete the terms of your Account. If required by appli-
 cable law, we will give you advance written notice of the change(s) and a right to  Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 will be allocated to your Account as required by applicable law. share?
 �	 Excess payments received before a deferred interest promotion expires are  reject the change(s).
 applied to the deferred interest promotional balance ?rst in the last two  Security Interest
                                       Does Comenity 
 billing periods of the promotional period. You grant us a security interest in all goods you purchase through the use of the 
 Account, now or at any time in the future and in all accessions to and proceeds of 
 D. Interest, fees and charges
 such goods. We waive any security interest we may have in your principal dwell-
 Interest charges ing, to the extent that it would otherwise secure any obligation arising hereunder.
 �	 There is no period in which you can pay back a cash advance, any other  Changes to your information
 transaction treated as a cash advance under this Agreement, or a balance  You agree to notify us immediately of any changes to your name, mailing address, 
 transfer to avoid incurring a Finance Charge. For a cash advance using a  electronic mail address or telephone number(s).
 convenience check, the date of the advance is the date the convenience  Governing Law
 check is presented to us or our agent for payment. For all other cash ad-
 THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
 vances, the date of the advance is the date you obtained the advance.
 THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest 
 MITTED OR REQUIRED BY APPLICABLE LAW.
 charges won�t be imposed in any billing period in which (i) no Previous Bal-
 Transfer of Rights/Assignment
 ance exists or (ii) payments received and credits issued by the Payment Due 
 Your rights under this Agreement can�t be transferred by you, by operation of law 
 Date, equal or exceed the Previous Balance.
 or otherwise, but your obligations will be binding upon your estate or personal 
 �	 If the New Balance shown on your last Statement isn�t paid in full by the 
 representatives. We may transfer or assign your Account and/or this Agreement, 
 Payment Due Date shown on your last Statement, there will be an interest 
 or any of our rights under this Agreement, to another person or entity at any time 
 charge on each purchase from the date of purchase.
 without prior notice to you or your consent.
 �	 If you make a purchase under any Waive Interest Credit Plan, we won�t 
 No Waiver of Rights   Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	
 charge interest on the purchase if you pay the total purchase amount be- Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
 fore the end of the promotional period. If you don�t pay the total purchase  We can delay enforcing our rights under this Agreement without losing them.
 amount before the end of the promotional period, we�ll add the remaining  Severability WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
 If any provision of this Agreement is in con?ict with applicable law, that provision  information
 amount to your Regular Revolving balance. We�ll also begin charging inter-
 est on the purchase from the ?rst day after the promotional period ends. will be considered to be modi?ed to conform with applicable law.
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan  Notice to New Jersey Residents
 and don�t pay the total amount before the end of the promotional period,  All provisions of this agreement are valid, enforceable and applicable in New 
 we�ll add the remaining purchase amount and the amount of accrued inter- Jersey.
 est to your Regular Revolving balance. F. Disputes and Reporting to Consumer Reporting Agencies
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  Reasons we can share your personal  
 Credit Reports
 interest will be assessed from the date of purchase through the end of the  FACTS Why? What?  How? sharing
 promotional period. �	 You give us permission to investigate your credit record.
 �	 You agree that a credit report may be requested in connection with the  To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
 processing of your credit application. A report may also be requested in  For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                       CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-876; PO #0094014353; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;  
  B. Notice and cure                        any language in this Arbitration Provision to the contrary, no arbitration may be  � �
                                                                                      Your MyPoint  Rewards Visa  Credit Card account agreement.             22147I005 (03/14)
  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris- administered, without the consent of all parties to the arbitration, by any Admin-
  ing out of or related to this Agreement (as further de?ned below, a �Claim�),  istrator that has in place a formal or informal policy that is inconsistent with the  This card is issued by Comenity Capital Bank pursuant to a li-
                                                                                      cense from Visa U.S.A. Inc. Visa is a registered trademark of  Minimum Payment: The Minimum Payment Due is the total of minimum pay-
  the party asserting the Claim (the �Claimant�) shall give the other party (the  Class Action Waiver.
                                                                                                                                ments for Regular Revolving and Promotional Credit Plan purchases plus any 
  �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  Visa U.S.A. Inc.  This Agreement covers the Terms and Condi-
                                                                                                                                Past Due amounts. The total Minimum Payment Due on your account won�t be 
  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  tions of your account with us. In this document, you will ?nd 
                                                                                                                                less than $25.00. If your Account balance is less than $25.00, you must pay the 
  shall be sent in writing to the address we have in our records (or any updated  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
                                                                                      important information about using and managing your account,  amount indicated on your Statement in full. The Minimum Payment Due for each 
  address you subsequently provide to us).  Any Claim Notice to us shall be sent by  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
                                                                                      including a Privacy Statement and information concerning your  Regular Revolving and Cash Revolving Credit Plans will be: 
  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
                                            IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  billing rights. Your use of the account, or failure to close the ac- �	 The greater of:
  (or any updated address we subsequently provide).  Any Claim Notice you send 
                                            7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- count within the 30 days of receiving this document, indicates  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
  must provide your name, address and Account number.  Any Claim Notice must 
                                                                                                                                     Revolving Credit Plan Finance Charges shown on the Statement; or 
  explain the nature of the Claim and the relief that is demanded.  You may only  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  your acceptance of the terms of this agreement, including the 
                                                                                                                                   o $5.00
  submit a Claim Notice on your own behalf and not on behalf of any other party.  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- assessment of any interest charges and fees.
                                                                                                                                �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
  No third party, other than a lawyer you have personally retained, may submit a  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
                                                                                      Section I of this Agreement also includes a Jury Trial Waiver and  Charges shown on the Statement rounded up to the nearest $1.00.
  Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
                                                                                      an Arbitration Provision in the event of a dispute. See Minimum Payment in Section C below for promotional credit plan minimum 
  ing any information about the Claim that the other party reasonably requests. CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
                                            DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND  �	 You have a right to reject this Arbitration Provision. payment calculations. 
  C. Arbitration provision
                                            (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  �	 If you do not reject this Arbitration Provision, it will be part  The APR information described below is accurate as of March 1, 2014.  Due to a 
  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT                                                              change in the index, this information may have changed.   To ?nd out more, call 
                                            A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
  THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE-                       of this Agreement and will:
                                                                                                                                us at 1-866-303-5087  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
                                            OR MULTIPLE-PARTY ARBITRATION. 
  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-                        o  Eliminate your right to a trial by jury; and Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
                                            8. Location and Costs of Arbitration:  Any arbitration hearing that you attend 
  TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH                          o  Substantially affect your rights, including your right to  site at mypointsvisa.com.
                                            must take place at a location reasonably convenient to you. We will pay any and 
  YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
                                            all fees of the Administrator and/or the arbitrator if applicable law requires us  bring, join in or participate in class proceedings. A. Getting Started
  1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
                                            to, if you prevail in the arbitration or if we must bear such fees in order for this  Please read each section carefully and keep this document for 
  prior arbitration agreement between you and us (�Prior Arbitration Agreement�))                                               De?nitions
                                            Arbitration Provision to be enforced. If you demand an arbitration, we will pay  your records.
  to apply, you may reject it by mailing us a written rejection notice which gives the                                          In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
                                            your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
  name of each Cardholder and contains a statement that you (both of you, if more     In the following sections, you will ?nd information on: and �Your� mean each person who submits an application or solicitation for an 
                                            fees in order for this Arbitration Provision to be enforced. Also, we will bear any 
  than one) reject the Arbitration Provision of this Agreement. The rejection notice  Financial terms of your account: An at-a-glance summary of the fees and charges  Account with us. �Account� means your credit card account with us. �Card� 
                                            fees if applicable law requires us to.
  must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio          associated with your account              means each credit card we issue for your Account, as applicable. �Credit Plan� 
                                            9. Governing Law:  This Arbitration Provision involves interstate commerce and 
  43218-2422. A rejection notice is only effective if it is signed by you (all of you,  A.  Getting started: the basics of your account means one or more payment program options MyPoints may ask us to offer from 
                                            is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and 
  if more than one) and if we receive it within thirty (30) calendar days after the   B.  Keeping your account in good standing: avoiding default, and what to do if  time to time.
                                            not by any state arbitration law. The arbitrator must apply applicable substantive 
  date we ?rst provide you with a credit card agreement or written notice providing      your card is lost or stolen, as applicable Upholding your Agreement
                                            law consistent with the FAA and applicable statutes of limitations and claims of 
  you a right to reject this Arbitration Provision. Your rejection of this Arbitration  C.  Learning more about your account: credit plans, and credit limits, and how  �	 You agree to the terms of this Agreement, and promise to do everything 
                                            privilege recognized at law. The arbitrator may award any remedy provided by the 
  Provision will not affect any other provision of this Agreement or your ability to 
                                            substantive law that would apply if the action were pending in court (including,  payments are calculated and applied required of you. If you sign or submit an application or solicitation to obtain 
  obtain credit.                                                                      D.  Interest, fees and charges: when and how fees and costs are applied to your  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
                                            without limitation, punitive damages, which shall be governed by the Constitu-
  2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision                                                 bound if you sign a charge slip, or permit someone else to use the credit 
                                            tional standards employed by the courts). At the timely request of either party,  account
  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)                                                   provided.
                                            the arbitrator must provide a brief written explanation of the basis for the award. E.  Other important information: legal rights, costs, and how we�ll handle 
  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the                                                 �	 You agree that the credit extended under your Account will be used only for 
                                            10. Right to Discovery:  In addition to the parties� rights to obtain discovery  changes to your account
  employees, of?cers and directors of such companies (the �Bank Parties�); and                                                     personal, family or household purposes and not for business or commercial 
                                            pursuant to the arbitration rules of the Administrator, either party may submit  F.  Disputes and reporting to consumer reporting agencies: data we provide, 
  (b) any other person or company that provides any services in connection with                                                    purpose.
                                            a written request to the arbitrator to expand the scope of discovery normally al- and receive from, consumer reporting agencies, and what to do if you think 
  this Agreement if you assert a Claim against such other person or company at the 
                                            lowable under the arbitration rules of the Administrator. The arbitrator shall have  there is an error on your periodic statement �	 If the Account is a joint Account, you and the joint Account holder will 
  same time you assert a Claim against any Bank Party.
                                            discretion to grant or deny that request. G.  Optional products: how to protect your account from fraud or theft, and  be bound by this Agreement. Each of you will be jointly and individually 
  3. Covered Claims:  �Claim� means any claim, dispute or controversy between                                                      responsible for repaying all amounts due.  If more than one person is re-
                                            11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  information on services that can help pay your debt in case of emergencies
  you and us that in any way arises from or relates to this Agreement, the Account, 
                                                                                      H.  Communicating with us: what happens when you contact us sponsible for this Account, we will only provide billing statements and com-
                                            award may be entered by any court having jurisdiction. The arbitrator�s decision 
  the issuance of any Card, any rewards program, any prior agreement or account. 
                                                                                      I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  munications to one of you.
                                            is ?nal and binding, except for any right of appeal provided by the FAA. However, 
  �Claim� includes disputes arising from actions or omissions prior to the date 
                                                                                         a jury trial waiver and Arbitration provision �	 Any authorized user of your Account will be bound by the terms of this 
                                            if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
  any Card was issued to you, including the advertising related to, application for                                                Agreement. One additional Card may be issued with the individual name of 
                                            or declaratory relief that could foreseeably involve a cost or bene?t to either party  Privacy statement: how we collect, use, share, and protect your personal informa-
  or approval of the Account. �Claim� has the broadest possible meaning, and                                                       an authorized user embossed on the Card. If you want to revoke the use of 
                                            exceeding $50,000, any party can, within 30 days after the entry of the award  tion; and the privacy choices you can make.
  includes initial claims, counterclaims, cross-claims and third-party claims. It                                                  your Account by an authorized user, either write us at the address, or call us 
                                            by the arbitrator, appeal the award to a three-arbitrator panel administered by the 
  includes disputes based upon contract, tort, consumer rights, fraud and other       Financial terms of your account              at the phone number, shown on your Statement.
                                            Administrator. The panel shall reconsider anew any aspect of the initial award 
  intentional torts, constitution, statute, regulation, ordinance, common law and                                               �	 You agree to pay for all transactions made on your Account by an authorized 
                                            requested by the appealing party. The decision of the panel shall be by majority 
  equity (including any claim for injunctive or declaratory relief). �Claim� does not  Interest Rates and Interest Charges
                                                                                                                                   user, whether or not such transactions were authorized by you or made for 
                                            vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the 
  include disputes about the validity, enforceability, coverage or scope of this Arbi-                                             your bene?t.
                                            panel if an appeal of the arbitrator�s decision has been taken. The costs of such 
  tration Provision or any part thereof (including, without limitation, the prohibition             0% introductory APR for 6 months. Card signature (as applicable)
                                            an appeal will be borne in accordance with Paragraph C.8. above.
  against class proceedings, private attorney general proceedings and/or multiple 
                                                                                       Annual Percentage  After that your APR will be  For your own protection, please sign your Card before using it. Keep in mind that 
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the                                                 your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
                                            ment of all amounts owed under this Agreement, the closing of the Account, any 
  last sentence of Paragraph C.13 and/or this sentence); all such disputes are for     Rate (APR) for 
                                                                                                                                incurred on your Account.
                                            legal proceeding and any bankruptcy to the extent consistent with applicable  19.99%  
  a court and not an arbitrator to decide. However, any dispute or argument that       Purchases
                                                                                                                                Using your Account
                                            bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra-
  concerns the validity or enforceability of the Agreement as a whole is for the  World Financial Capital Bank is a Comenity SM company. This APR will vary with the market 
                                            tion Provision, on the one hand, and the applicable arbitration rules or the other  �	 Your Account may be used to make purchases from anywhere Visa is ac-
  arbitrator, not a court, to decide.                 Salt Lake City, UT                            based on the Prime Rate.
                                            provisions of this Agreement, on the other hand, this Arbitration Provision shall      cepted.
  4. Starting an Arbitration:  Arbitration may be elected by any party with respect 
                                            govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. APR for Balance  26.99%   �	 We reserve the right to not honor transactions related to, including, but not 
  to any Claim, even if that party has already initiated a lawsuit with respect to a 
                                            13. Severability:  If any portion of this Arbitration Provision, other than the Class  limited to, gambling, ATM usage at casinos, and illegal activities.
  different Claim. Arbitration is started by giving a written demand for arbitration   Transfers and Cash  This APR will vary with the market 
                                            Action Waiver, is deemed invalid or unenforceable, the remaining portions shall     �	 You may obtain a loan from us under your Account by using your Card or 
  to the other party. We will not demand to arbitrate an individual Claim that you     Advances     based on the Prime Rate.
                                            nevertheless remain in force. If a determination is made that the Class Action         a convenience check as follows: by purchasing goods or services with your 
  bring against us in small claims court or your state�s equivalent court, if any. But 
                                            Waiver is unenforceable, only this sentence of the Arbitration Agreement will re-      Card or your Account number; by obtaining a cash advance from a ?nancial 
  if that Claim is transferred, removed or appealed to a different court, we then  World Financial Capital Bank is a Your due date is at least 23 days after 
                                            main in force and the remaining provisions shall be null and void, provided that       institution, by use of an ATM; by using a convenience check; or, by incurring 
  have the right to demand arbitration.                Comenity SM company.                         the close of each billing cycle. We will 
                                            the determination concerning the Class Action Waiver shall be subject to appeal.       charges authorized by this Agreement.
  5. Choosing the Administrator:  �Administrator� means the American Arbitration  Salt Lake City, UT not charge you interest on purchases 
                                            14. Special Payment:  If (1) you submit a Claim Notice in accordance with           �	 From time to time, in our sole discretion, we may send you convenience 
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www.
                                            Paragraph B above on your own behalf (and not on behalf of any other party);  if you pay your entire balance by the  checks for use in borrowing under this Agreement. All convenience checks 
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.               Paying Interest
                                            (2) we refuse to provide you with the relief you request; and (3) an arbitrator  due date each month.   We will begin  you use will be treated as cash advances under this Agreement, and subject 
  jamsadr.com; or any other company selected by mutual agreement of the par-
                                            subsequently determines that you were entitled to such relief (or greater relief),  charging interest on balance transfers  to the terms and fees that apply to cash advances, unless we advise you 
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable 
                                            the arbitrator shall award you at least $5,100 (plus any fees and costs to which       otherwise.
  to select an Administrator by mutual consent, the Administrator will be selected                  and cash advances on the transaction 
                                            you are entitled).                                                                  �	 You agree that convenience checks that you use will not be returned to you.
  by a court. The arbitrator will be appointed by the Administrator in accordance                   date.
                                                                                                                                �	 You may not use the convenience checks to make payments on any Co-
  with the rules of the Administrator. However, the arbitrator must be a retired or                                                menity Capital Bank Account.
  former judge or a lawyer with at least 10 years of experience. You get to select the  Comenity Capital Bank, Salt Lake City, UT Minimum Interest  If you are charged interest, the charge 
                                                                                                                                �	 You agree not to use a convenience check, and we do not have to pay any 
  Administrator if you give us written notice of your selection with your notice that  Charge       will be no less than $2.00 per credit 
                                                                          328ALLC083013                                            convenience check:
  you are electing to arbitrate any Claim or within 20 days after we give you notice                plan
                                                                         22147I005 (03/14)                                         o  if you are in default under this Agreement;
  that we are electing to arbitrate any Claim (or, if you dispute our right to require                                             o  if payment of that convenience check would cause your outstanding 
  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).                  To learn more about factors to consider 
                                                                                       For Credit Card                               cash advance balance to exceed your cash advance limit; or
  If you do not select the Administrator on time, we may do it. Notwithstanding                     when applying for or using a credit 
                                                                                       Tips from the                               o  if we cancel or suspend your right to use convenience checks
                                                                                                    card, visit the website of the Consumer  �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                       Consumer Financial 
                                                                                                    Financial Protection Bureau at http:// transfer account balances from other credit card accounts you may have 
                                                                                       Protection Bureau
                                                                                                    www.consumer?nance.gov/learnmore. to the Account. We may, in our sole discretion, offer promotional plans for 
                                                                                                                                   such balance transfers.
                         *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *                                                         �	 You may use the Card to obtain cash advances through certain ATMs. You 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Fees
  contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 will be given a Personal Identi?cation Number (PIN) which must be used in 
                                                                                                                                   order to obtain an ATM cash advance.
                                                                                       �	   Annual	Fee   None
                                                                                                                                   o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                       Transaction Fees                              tions on dollar amount, number, or currency denominations.
                                                                                                                                   o  You agree that any charges imposed by third parties for use of their 
                                                                                       �	   Balance	Transfer The greater of $10 or 3% of 
                                                                                                                                     ATM facilities will be added to your Account balance as a cash ad-
                                                                                                         the amount of the balance   vance.
                                                                                                         transfer.              �	 If you make a purchase or obtain a cash advance in a foreign currency, it 
                                                                                       �	   Cash	Advance The greater of $10 or 3%  will be converted by Visa into U.S. dollars in accordance with Visa Operating 
                                                                                                         of the amount of the cash  Regulations in effect at the time the transaction is processed.
                                                                                                                                   o  The currency conversion rate in effect on the processing date may dif-
                                                                                                         advance.
                                                                                                                                     fer from the rate in effect on the transaction date or the posting date.
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Convenience	Checks The greater of $10 or 3% of  o  The currency conversion rate used may be the same as, greater than, or 
                                                                                                         the amount of the convenience  less than the amount that would be calculated by conversion through 
                                                                                                         check.                      a ?nancial institution in the country in which the purchase or cash 
                                                                                       �	   Foreign	Transaction 3% of each transaction in U.S.  advance occurred.
                                                                                                                                Making payments
                                                                                                         dollars.
                                                                                                                                �	 Pay your Account by sending a check, money order, or cashier�s check pay-
                                                                                       Penalty Fees                                able in U.S. dollars, to the name and address shown on your Statement 
                                                                                       �	   Late	Payment Up to $35.00              speci?ed for payments. Please don�t send cash.
                                                                                                                                �	 Be sure to include your payment stub, do not staple your payment to the 
                                                                                       �	   Returned	Payment Up to $35.00
                                                                                                                                   stub, use the envelope provided with your Statement and don�t send any 
                                                                                      How We Will Calculate Your Balance: We use a method called  correspondence with your payment.
                                                                                      �daily balance.� See your Account agreement for more details. �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                                                                   your Account for up to ?ve days, or may be rejected.
                                                                                      Loss of Introductory APR: We may end your introductory APR  �	 All written communications concerning disputed amounts, including any 
                                                                                      and apply the Penalty APR if you make a late payment. check or other payment instrument marked with �payment in full� or similar 
                                                                                                                                   language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                                                                      Billing Rights: Information on your rights to dispute  Antonio, Texas 78247-5004.
                                                                                      transactions and how to exercise those rights is provided in your  o  We may accept a payment sent to any other address without losing any 
                                                                                      account agreement.                             of our rights.
                                                                                                                                   o  No payment shall operate as an accord and satisfaction without our 
                                                                                                                                     prior written approval.
                                                                                      Comenity Capital Bank 1-866-303-5087  (TDD/TTY 1-888-819-1918)
                                                                                      New York Residents: New York Residents may contact the New York state Depart- B. Keeping your account in good standing
                                                                                      ment of Financial Services by telephone or visit its website for free information  Avoiding default
                                                                                      on comparative credit card rates, fees, and grace periods. New York Department  You�ll be in default under this Agreement if you:
                                                                                      of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. �	 Fail to make any payment when due
                                                                                      Rate Information: The following chart provides details on your variable rate as of  �	 Violate any provision of this Agreement
                                                                                      March 1, 2014. We divide the APR by 365 to determine the daily periodic rate. �	 Pass away
                                                                                                                                �	 Become the subject of bankruptcy or insolvency proceedings
                                                                                                   Add to Index APR Daily Periodic Rate �	 Supply us with misleading, false, incomplete or incorrect information
                                                                                                                                �	 Are unable or unwilling to perform the terms or conditions of this Agreement
                                                                                       Purchase APR 16.74%  19.99% 0.05476%     �	 Fail to supply us with any information we deem necessary
                                                                                                                                �	 Default under any other loan or agreement you have with us or any of our 
                                                                                       Balance Transfers   23.74% 26.99% 0.07394%
                                                                                                                                   af?liates
                                                                                       and Cash Advances
                                                                                                                                �	 Become incompetent
                                                                                      We�ll charge you a minimum interest charge of $2.00 per credit plan for any  �	 Exceed your Credit Limit
                                                                                      billing period in which interest is due. For additional information, see Rates in  �	 Issue a payment returned unpaid by your bank for any reason
                                                                                      Section D.
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          0.00% introductory APR for 6 months. 
      (APR) for Purchase 
                          Prime rate plus 16.74% 
                          This APR will vary with the market based on the Prime Rate. 
                             
      APR for Balance Transfers  Prime rate plus 23.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 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. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $10 or 3% of the amount of the cash advance. 
      �  Convenience Check  The greater of $10 or 3% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method