Interest Rates and Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases  

Penalty APR and 
When it applies  

18.99% This APR will vary with the market based on the 
Prime Rate. 

26.99% This APR may be applied to your account if you fail to 
pay all or part of your minimum payment due by the payment 
due date for three consecutive Billing Periods. How long will 
the Penalty APR Apply? If your APR is increased for this 
reason, the Penalty APR will apply until such time as any 
delinquency is cured and you then make six consecutive 
payments when due.  

How to avoid 
Paying interest on 
Purchases  

Your due date is 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your 
entire balance by the due date each month.  

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

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

Minimum Interest 
Charge  

For Credit Card 
Tips from the 
Federal Reserve 
Board  

Fees  

Set up and 
Maintenance Fees  

•  Annual Fee   None  

Penalty Fees  

•  Late Payment   Up to $35  

•  Returned 
Payment  

Up to $25  

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance 
(including new purchases)." 
CHANGES. We may add, change or delete the terms of your Account and the corresponding Credit Card 
Agreement (including, but not limited to, Annual Percentage Rate and other significant changes). If notice 
is required, it will be mailed to you at least forty-five (45) days prior to the effective date of the change. 
Notice may also include a statement of your right to cancel the account prior to the effective date of the 
change. 
The information about the costs of the credit card account described in this application is accurate as of 
December  21,  2011.  This  information  may  have  changed  after  that  date.  To  find  out  what  may  have 

 
  
  
 
changed and for the current APR, please write to World Financial Network Capital Bank (WFCB), PO 
Box 183003, Columbus, OH 43218-3003, see the cardmailer with your new credit card (if approved) or 
visit our website at comenity.net/carterlumber. You agree that a credit report may be used in making the 
credit granting decision. 
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT To help the government fight 
the funding of terrorism and money laundering activities, Federal law requires all financial institutions to 
obtain, verify and record information that identifies each person who opens an account. What this means 
for you: When you open an account, we will ask for your name, address, date of birth or other information 
that  will  allow  us  to  identify  you.  We  may  also  ask  to  see  your  driver’s  license  or  other  identifying 
documents. 
The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual  upon  request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this  law. 
California Residents: If you are married, you may apply for a separate account. New York Residents: A 
consumer  credit  report  may  be  ordered  in  connection  with  the  processing  of  an  application,  or 
subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of 
whether  or  not  a  consumer  credit  report  was  ordered,  and  if  it  was,  you  will  be  given  the  name  and 
address  of  the  consumer-reporting  agency  that  furnished  the  report.  Rhode  Island  and  Vermont 
Residents: A consumer credit report may be ordered in connection with the processing of an application, 
or  subsequently  for  purposes  of  review  or  collection  of  the  account,  increasing  the  credit  line  on  the 
account, or other legitimate purposes associated with the account. Wisconsin Residents: No provision of 
any  marital  property  agreement,  unilateral  statement  under  Section  766.59  of  the  Wisconsin  statutes  or 
court  order  under  Section 766.70  adversely  affects  the  interest  of  the  creditor, World  Financial  Capital 
Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement 
or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.  
I am applying to World Financial Capital Bank (WFCB) for, and hereby request, a Carter DIY credit card 
account for personal, family or household use. I hereby authorize WFCB to investigate my credit record. 
The information that I have supplied is true and correct. I acknowledge that I am a permanent resident of 
the  United  States.  I  agree  that  a  credit  report  may  be  obtained  for  any  lawful  purpose,  including  in 
connection with the processing of an application, or subsequently with the update, renewal or extension of 
credit. Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if 
it was, I will be given the name and address of the consumer-reporting agency that furnished the report. I 
agree to be bound by the terms of the Credit Card Agreement. I acknowledge that I will receive a Credit 
Card Agreement upon approval. I also acknowledge that there is no agreement between WFCB and me 
until WFCB approves my credit application and accepts the Credit Card Agreement at its office in Utah 
and that the Credit Card Agreement is deemed to be made in Utah. Cards are issued and credit is extended 
by WFCB, Salt Lake City, UT. 
PLEASE NOTE: 
BY  SUBMITTING  THIS  CREDIT  APPLICATION,  YOU  ARE  AGREEING  TO  THE 
FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU. 
You  hereby  authorize  World  Financial  Capital  Bank  ("us"  or  "we")  to  furnish  our  decision  to  issue  an 
account  to  you  to  Carter  DIY.  You  hereby  authorize  us  to  furnish,  if  your  application  is  approved, 
information  concerning  your  account  to  credit  bureaus,  other  creditors  and  Carter  DIY.  Check  your 
information before submitting. We cannot process any submission without a complete and accurate name, 
address, date of birth and social security number. By submitting this Application you are acknowledging 
having  read  and  understood  the  Important  Rate,  Fee  and  Other  Cost  Information  and  if  approved, 
agreeing to be bound by them. 

 
 
 
************************************  
WORLD FINANCIAL CAPITAL BANK  
CARTER LUMBER CREDIT CARD AGREEMENT  

This is your Agreement with World Financial Capital Bank for customers of Carter Lumber. It 
covers the use of your credit card account with us. This Agreement may include information about 
promotional Credit Plans. Any information about such Plans will be included in the form of an 
insert, attachment, or other written information provided as part of or with this Agreement. Please 
read this Agreement and keep it for your records. 
THIS AGREEMENT INCLUDES A JURY TRIAL WAIVER IN PARAGRAPH 30.A. AND AN 
ARBITRATION PROVISION IN PARAGRAPH 30.C. IN THE EVENT OF A DISPUTE 
BETWEEN YOU AND US: (1) THE JURY TRIAL WAIVER WILL ELIMINATE THE RIGHT 
TO A TRIAL BY JURY; AND (2) UNLESS YOU ACT PROMPTLY TO REJECT IT, THE 
ARBITRATION PROVISION WILL SUBSTANTIALLY AFFECT YOUR RIGHTS, 
INCLUDING YOUR RIGHT TO BRING, JOIN IN OR PARTICIPATE IN CLASS 
PROCEEDINGS.  
1. Definitions. 
In this Agreement, “We,” “Us,” and “Our” mean World Financial Capital Bank. “You” and “Your” mean 
each person who signs an application for, or otherwise requests, a credit card account with us. “Account” 
means your credit card account with us. “Card” means each credit card we issue to you for your Account. 
“Credit Plan” means one or more payment program options that Carter Lumber may ask us to offer from 
time to time. You agree that at any time for any reason we may reissue a Card to you and/or may ask you 
to return any or all Cards.  
2. Your Promise to Us. 
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of 
you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if 
you sign a charge slip, or if you use or permit someone else to use the credit provided.  
B. If the Account is a joint Account, you and the joint Account holder each will be bound by this 
Agreement and each of you will be jointly and individually responsible for repaying all amounts due 
under this Agreement.  
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this 
Agreement. If you want to cancel the authorized or permitted use of your Account by another person, you 
may either write us at the address or call us at the telephone number shown on your Statement. You must 
obtain, cut in half and return the Card in such authorized users possession to us. You understand and 
agree that we will be unable to determine whether any particular transaction on your Account has been 
conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized 
user was indeed authorized by you or made for your benefit. You agree to pay for all transactions made 
on your Account by an authorized user whether or not such transactions were in fact duly authorized by 
you or made for your benefit. 
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to 
be immediately due and payable, prohibit further transactions on your Account, cancel the Cards, and 
revoke any privileges associated with the Card or your Account.  
3. Sign the Card. 
For your own protection, please sign the Card before using it. Your signature on the Card is not a 
prerequisite to your obligation to pay amounts incurred on your Account.  
4. Method of Payment. 
You may pay your Account by sending your personal check, payable in U.S. dollars, to the name and 
address shown on your Statement. Payments are considered received when posted to your Account in the 
state in which the WFCB main office is located. You must include your payment stub. Do not send cash. 
If any payment does not conform to these requirements, the payment may not be credited to your Account 
for up to five days, or may be rejected. Any check marked “payment in full” or with similar terms must be 

sent to a separate address specified on your Statement. We can accept such checks or late or partial 
payments without losing our right to receive the full amount owing on your Account.  
5. Lost or Stolen Card. 
If a Card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone 
used a Card without your permission. You may either write us a letter or call us at the address and phone 
number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made 
by anyone who used the Card without your permission.  
6. Credit Plans. 
Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans. 
We may offer different promotional Credit Plans from time to time. If a promotional Credit Plan is 
offered at the time you open your account, this Agreement will include information about the terms for 
the Plan (which may include the Daily Periodic Rate, the ANNUAL PERCENTAGE RATE, and/or the 
minimum payment amount), by use of an insert, attachment, or other written information provided as part 
of or with this Agreement. Normal late payment charges, returned check charges and all other provisions 
apply to any promotional Credit Plan unless inconsistent with a particular Credit Plan offering. The 
promotional Credit Plan period will end and the promotional Credit Plan balance will be transferred to 
your non-promotional Regular Revolving balance if the promotional credit plan purchase is not paid in 
full before the promotional period ends.  
The types of Credit Plans offered and the particular features (including but not limited to minimum 
purchase requirements, Minimum Payment, etc.) of such Credit Plans may vary from time to time at our 
discretion and may include one or more of the following: Regular Revolving or Promotional Credit Plans. 
The Regular Revolving Credit Plans are your non-promotional purchases using the Card. The 
Promotional Credit Plans may include: Waive Interest, Payment Required; Waive Interest, Equal 
Payment; Waive Interest, Low Payment; Defer Interest, Equal Payment; Defer Interest, Payment 
Required; Defer Interest, Low Payment;. (Please see section 14 for explanation for how Finance Charges 
are calculated for each Plan.) 
Access Check Credit Plans: For accounts that had outstanding Access Check Credit Plan balances at the 
time WFCB became the creditor for your account, these balances will be reflected on your periodic 
billing statement as a Promotional Credit Plan. This credit plan is not open for new transactions.  
7. Skip-Payment Option. 
At our sole option, we may allow you to skip making the Minimum Payment on certain Billing Periods. 
During the skip-payment period Finance Charges will be assessed but no late fee will be imposed. At the 
end of the skip-payment period, all terms of this Agreement that would have applied, were it not for the 
skip-payment feature, will automatically resume without notice.  
8. Credit Limit. 
Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed 
any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, 
we can still charge you for all purchases, Finance Charges and other charges without giving up any of our 
rights under this Agreement. We may change your Credit Limit at any time.  
9. How to Cancel Your Account. 
You may cancel your Account at any time. Cut each Card in half and send us the pieces with a letter 
telling us you want to cancel your Account. This includes each Card you gave to others. You still must 
pay the full amount you owe us.  
10. We Have the Right to Cancel Your Account. 
We may cancel your Account at any time for any reason. We also may cancel any of the Credit Plans at 
any time for any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if 
we ask. This includes each Card you gave to others. You cannot use a Card after we ask you to return it. 
You still must pay the full amount you owe us and comply with the terms of this Agreement.  

 
 
11. Payments; Minimum Payments. 
You may pay all of your Account balance at any time without penalty. You must pay us at 
least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your 
Statement. The Minimum Payment will be the total of the minimum payments for the Regular Revolving 
and Promotional Credit Plans (as described in Section 6 of your Credit Card Agreement), plus any past 
due amounts. The minimum payments for the Regular Revolving Credit Plan and the Promotional Credit 
(except for Waive Interest, Equal Payment; Defer Interest, Equal Payment; Waive Interest, Low Payment 
;and Defer Interest, Low Payment Credit Plans) will be the greater of: (a) $5.00; or (b) 5% (rounded up to 
the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. The minimum 
payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be 
the amount of the purchase divided by the number of months between the date of the purchase and the 
promotional period end date (minimum $5.00) rounded up to the nearest whole dollar. The minimum 
payment for the Waive Interest, Low Payment and Defer Interest, Low Payment will be the greater of: (a) 
$5.00 or (b) 1% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that 
Credit Plan. However, the total minimum payment due on your account will not be less than $25.00. If 
your Account balance is less than $25.00, you must pay your Account balance in full. Your Statement 
will tell you how much your Minimum Payment must be.  
12. Application of Payments. We reserve the right to apply payments equal to or less than the required 
minimum amount in a manner of our choosing, which may result in balances subject to lower interest 
rates being paid prior to other balances. This may result in higher interest charges. Any payment you 
make in excess of the required Minimum Payment Due will be allocated to your Account as required by 
applicable law. However, excess payments received before a deferred interest promotion expires are 
applied to the deferred interest promotional balance first in the last two billing cycles of the promotional 
period.  
13. Statements; Billing Periods. 
If your Account has a balance, we will send you a Statement at the end of each Billing Period. We send 
only one Statement for your Account. The Statement will show your: Statement Closing Date, Previous 
Balance, Payments and Credits, Charges, Finance Charge, Payment Due Date, New Balance and 
Minimum Payment. Billing Period means the days between the closing date shown on the last Statement 
we sent you and the closing date on your current Statement. We may change your Billing Period as 
permitted by law at any time for our own convenience.  
14. Finance Charges. 
A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in 
any Billing Period in which (i) there is no Previous Balance or (ii) payments received and credits issued 
by the Payment Due Date, which is 25 days after the Statement Closing Date shown on your last 
Statement, equal or exceed the Previous Balance. If the New Balance shown on your last Statement is not 
satisfied in full by the Payment Due Date shown on your last Statement, there will be a Finance Charge 
on each purchase from the date of purchase. 
B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment 
Required; Waive Interest, Equal Payment; Waive Interest, Defer Payment and Waive Interest, Low 
Payment, we will not charge Finance Charges on the purchase if you pay the total amount of the purchase 
before the end of the promotional period. If you do not pay the total amount of the purchase before the 
end of the promotional period, we will add the amount of the purchase to your Regular Revolving balance 
and will begin to charge Finance Charges on the purchase from the first day after the promotional period 
ends. For any Waive Interest Plan that ends, we will add the remaining amount of the plan to your 
Regular Revolving balance and will begin to charge Finance Charges.  
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment; Defer 
Interest and Payment or Defer Interest, Low Payment Credit Plan, we will add the amount of Finance 
Charges that have accrued from the date of purchase through and including the last day of the 
promotional period to your Regular Revolving balance if you do not pay the total amount of the purchase 
before the end of the promotional period. For any Defer Interest Plan that ends, we will add the remaining 

amount of the plan and the amount through and including the last day of the promotional period to your 
Regular Revolving balance.  
C. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, 
we use a “Daily Balance” to figure Finance Charges on your Account. This is how we figure the “Daily 
Balance” each day:  
1. We start with the beginning balance on your Account each day (including unpaid Finance Charges and 
fees). 
2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments 
posted as of that day. This gives us the "Partial Daily Balance" for the day. 
3. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to 
obtain the "Daily Finance Charge" for the day and add it to the day’s Partial Daily Balance. This gives us 
the "Daily Balance", which will be the beginning balance for the following day. 
At the end of each Billing Period, we add together each Credit Plan’s Daily Finance Charge for each day 
in the Billing Period to get the total Account Finance Charge for the Billing Period.  
Your Statement will show an Average Daily Balance, which is the sum of the Partial Daily Balance for 
each day in the Billing Period divided by the number of days in the Billing Period.  
D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account, will be computed as 
follows: The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed 
by adding 15.74% to the value of an “Index,” and dividing by 365 (The corresponding ANNUAL 
PERCENTAGE RATE will be the Index plus 15.74%). The Index in effect for each Billing Period shall 
be the highest “Prime Rate” of interest as published in the “Money Rates” section of The Wall Street 
Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward, 
if necessary, to the nearest .001% (“Index”). The corresponding ANNUAL PERCENTAGE RATE will 
not increase above 26.99%. An increase or decrease in the ANNUAL PERCENTAGE RATE will result 
in a corresponding increase or decrease in the amount of Finance Charge and may increase the amount of 
your minimum payment due. 
E. We will charge you a minimum FINANCE CHARGE of $1.00 per credit plan for any Billing Period 
in which a Finance Charge is due. 
F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If 
this Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of 
FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE are indicated on the 
Cardmailer and are incorporated herein by reference. As of December 21, 2011, the initial Daily Periodic 
Rate of FINANCE CHARGE, was 0.05202%, and the corresponding initial ANNUAL PERCENTAGE 
RATE was 18.99%. This information may have changed after that date. To find out about changes in the 
information, call us at 1-888-304-3974 (TDD/TTY 1-888-819-1918) or write us at World Financial 
Capital Bank PO Box 183003, Columbus, OH 43218-3003. 
G. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 
11) by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we may 
apply a penalty Annual Percentage Rate ("Penalty Rate") to the existing balance of your Account and to 
all new purchases. We will provide you notice of this rate increase, when it will apply to your account, 
and for how long it will apply to your account, as required by applicable law. The Daily Periodic Rate of 
FINANCE CHARGE for the Penalty Rate is 0.07394% (corresponding ANNUAL PERCENTAGE 
RATE is 26.99%). The Penalty Rate will apply to your Account until such time as any delinquency is 
cured and your account is kept in a current and satisfactory status for six (6) consecutive billing periods. 
On the seventh billing period the Penalty Rate will no longer apply and your Account will be subject to 
the Daily Periodic Rate of FINANCE CHARGE and corresponding ANNUAL PERCENTAGE RATE as 
described above in Section 14.D. If you fail to make your required minimum monthly payments during 
the Penalty period, the Penalty Rate will continue to apply. Your monthly statement will disclose the 
applicable Penalty Rate for the Billing Period and are incorporated herein by reference.  

 
 
15. Other Fees and Charges. You agree to pay (as interest) the following fees and charges: 
A. Late Fee. We can charge you a late fee of up to $35.00, as allowed by law, if you do not pay us at least 
the Minimum Payment Due for each Billing Period or if we receive your payment after the Payment Due 
Date shown on your Billing Statement. 
B. Returned Check Fee. We can charge you up to $25.00 for each check your bank returns to us for any 
reason. Although we may, we do not have to attempt to collect any check more than once.  
C. Document Fee. If a copy of any Statement, sales draft or similar document is provided by us at your 
request (except in connection with billing error inquiries or resolution), we may charge the Account the 
following fee(s): 

•  Statement copy - $6.00  
•  Sales/Credit Draft copy - $6.00  
•  Check/Money Order copy - $6.00 

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow 
you to make individual, expedited payments to your Account over the telephone or through the internet. If 
you choose to use one of those payment methods, then we may assess the then current fee that we charge 
for this service. At present, that fee is up to $15, but it may change. We will disclose the current fee to 
you (you may withdraw your request if you do not want to pay the fee) before you authorize any 
payment(s) through either of these alternative methods. 
16. Immediate Payments 
We may tell you to pay the full amount you owe at once if you do not pay at least the Minimum Payment 
each time you receive a Statement. We will tell you in advance and/or give you an opportunity to cure 
your default only if applicable law requires us to do so.  
17. Attorney Fees and Collection Costs. 
As permitted under applicable law, you agree to pay the reasonable costs for collecting amounts due, 
including reasonable attorney’s fees and court costs by us or by another person or entity.  
18. Changes. 
We may add, change or delete the terms of your Account (including, but not limited to, Annual 
Percentage Rate and other significant changes). If notice is required, it will be mailed to you at least forty-
five (45) days prior to the effective date of the change. Notice may also include a statement of your right 
to cancel the account prior to the effective date of the change.  
19. Security Interest. 
You grant us a security interest in all goods that you purchase through the use of the Account now or at 
any time in the future and in all accessions to and proceeds of such goods. We hereby waive any security 
interest we may have in your principal dwelling to the extent that it would otherwise secure any 
obligation arising hereunder.  
20. Governing Law. 
THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. THIS IS THE 
LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY 
APPLICABLE LAW.  
21. Transfer of Rights/Assignment. 
Your rights under this Agreement cannot be transferred by you, by operation of law, or otherwise, but 
your obligations shall be binding upon your estate or personal representatives. We may transfer or assign 
your Account and/or this Agreement, or any of our rights under this Agreement, to another person or 
entity at any time without prior notice to you or your consent.  
22. No Waiver of Rights. 
We can delay enforcing our rights under this Agreement without losing them.  
23. Severability. 
If any provision of this Agreement is in conflict with applicable law, that provision will be considered to 
be modified to conform with applicable law.  

 
24. Credit Reports. 
You hereby authorize us to investigate your credit record. You agree that a credit report may be requested 
in connection with the processing of an application for credit, and subsequently in connection with any 
extension of credit, or any request to increase your credit limit, or any renewal or update of your Account, 
or to take collection action on the Account, or to investigate disputes regarding the Account. If you ask, 
we will tell you if credit reports were requested, and the name and address of any credit bureaus that 
provided the reports. You understand that we may report negative information about your account to the 
credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in 
your credit report. You hereby authorize us to furnish information concerning your Account to credit 
bureaus and other creditors, as well as to the retailer whose name appears on your Card.  
Credit Report Disputes. If you believe the Account information we reported to a consumer reporting 
agency is inaccurate, you may write to us at the address provided on the credit report from the consumer 
reporting agency. Your written dispute must provide sufficient information to locate the account and why 
you believe the information is inaccurate. If available, provide a copy of the section of the credit report 
showing the account information you are disputing.  
25. Credit Insurance (as applicable). 
Credit insurance is not required. If you have been accepted for credit insurance coverage, the premium 
charge will be added to your Account as a purchase on the last day of each Billing Period.  
26. Debt Cancellation (as applicable).  
Your Purchase of Account Assure is optional. Whether or not you purchase Account Assure will not 
affect your application for credit or the terms of any existing credit agreement you have with World 
Financial Capital Bank. The monthly fee for Account Assure is based on the outstanding monthly balance 
on your account each month and will be added to your account statement. We will give you additional 
information before you are required to pay for Account Assure. This information will include a copy of 
the contract containing the terms and conditions governing Account Assure. There are eligibility 
requirements, conditions, and exclusions that could prevent you from receiving benefits under Account 
Assure. You should carefully read the contract for a full explanation of the terms of Account Assure.  
27. Communication Regarding Account.  
Until your account is finally settled, you give direct consent to receive communications regarding your 
account to us, any servicers and any collectors of your account, through various means such as 1) any 
cell, landline, or text number that you provide, 2) any email address that you provide, 3) auto dialer 
systems, 4) recorded messages, and other forms of communications. Further, you agree that any such 
communications are not unsolicited for purposes of any state or federal law.  
28. Telephone Monitoring. 
As part of our continuing effort to maintain a high quality of service to our customers, telephone 
communications with you may be monitored and recorded. You agree that monitoring and/or recording 
may be done and that no additional notice to you or additional approval from you is needed. Please 
inform all persons authorized to use this account, those acting on your behalf, or anyone making 
payments on this account, of this provision.  
29. Customer Changes. 
You must tell us at once if you change your name, address or employment.  
30. Dispute Resolution Provisions. 
A. Jury Trial Waiver. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY 
RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR 
RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS 
GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
B. Notice and Cure. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out 
of or related to this Agreement (as further defined below, a "Claim"), the party asserting the Claim (the 
"Claimant") shall give the other party (the "Defendant") written notice of the Claim (a "Claim Notice") 

and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall 
be sent in writing to the address we have in our records (or any updated address you subsequently provide 
to us). Any Claim Notice to us shall be sent by mail to World Financial Capital Bank, PO Box 182436, 
Columbus, OH 43218-2436 (or any updated address we subsequently provide). Any Claim Notice you 
send must provide your name, address and account number. Any Claim Notice must explain the nature of 
the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and 
not on behalf of any other party. No third party, other than a lawyer you have personally retained, may 
submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in providing any 
information about the Claim that the other party reasonably requests.  
C. Arbitration Provision. READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO 
NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH 
30.C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A 
SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1. Your Right to Reject: If you dont want this Arbitration Provision (and any prior arbitration 
agreement between you and us ("Prior Arbitration Agreement")) to apply, you may reject it by 
mailing us a written rejection notice which gives the name of each Cardholder and contains a 
statement that you (both of you, if more than one) reject the Arbitration Provision of this 
Agreement. The rejection notice must be sent to us at World Financial Capital Bank, PO Box 
182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of 
you, if more than one) and if we receive it within thirty (30) calendar days after the date we first 
provide you with a credit card agreement or written notice providing you a right to reject this 
Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other 
provision of this Agreement or your ability to obtain credit.  
2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this 
Agreement), the terms "we," "us" and "our" mean (a) World Financial Capital Bank, any parent, 
subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank 
Parties"); and (b) any other person or company that provides any services in connection with this 
Agreement if you assert a Claim against such other person or company at the same time you assert a 
Claim against any Bank Party. 
3. Covered Claims: "Claim" means any claim, dispute or controversy between you and us that in any 
way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards 
program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions 
prior to the date any Card was issued to you, including the advertising related to, application for or 
approval of the Account. "Claim" has the broadest possible meaning, and includes initial claims, 
counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, 
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common 
law and equity (including any claim for injunctive or declaratory relief). It also includes disputes about 
the validity, enforceability, arbitrability or scope of this Arbitration Provision or this Agreement. 
However, notwithstanding any language in this Arbitration Provision to the contrary, "Claim" does not 
include any dispute about the validity, effect or enforceability of the prohibitions against class 
proceedings, private attorney general proceedings and/or multiple-party proceedings described in 
Paragraph 30.C.7. (the "Class Action Waiver") or any dispute concerning the last sentence of Paragraph 
30.C.13.; any such dispute shall be resolved by a court and not by an arbitrator or Administrator.  
4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if 
that party has already initiated a lawsuit with respect to a different Claim. Arbitration is started by giving 
a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim 
that you bring against us in small claims court or your states equivalent court, if any. But if that Claim is 
transferred, removed or appealed to a different court, we then have the right to demand arbitration. 

 
5. Choosing the Administrator: "Administrator" means the American Arbitration Association ("AAA"), 
1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS is at 620 Eighth Avenue, 34th 
Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by mutual agreement of 
the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an 
Administrator by mutual consent, the Administrator will be selected by a court. The arbitrator will be 
appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator 
must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the 
Administrator if you give us written notice of your selection with your notice that you are electing to 
arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim 
(or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally 
resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any language in 
this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all 
parties to the arbitration, by any Administrator that has in place a formal or informal policy that is 
inconsistent with the Class Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT 
TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM 
IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN 
INFORMATION FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A 
LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY 
ALSO NOT BE AVAILABLE IN ARBITRATION.  
7. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A 
CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT 
OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS 
MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL 
IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY 
NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY 
OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY 
TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL 
ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
8. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a 
location reasonably convenient to you. We will pay any and all fees of the Administrator and/or the 
arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in 
order for this Arbitration Provision to be enforced. If you demand an arbitration, we will pay your 
reasonable attorneys and experts fees if you prevail or if we must bear such fees in order for this 
Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to.  
9. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the 
Federal Arbitration Act, 9 U.S.C. 1-16 (the "FAA"), and not by any state arbitration law. The arbitrator 
must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and 
claims of privilege recognized at law. The arbitrator may award any remedy provided by the substantive 
law that would apply if the action were pending in court (including, without limitation, punitive damages, 
which shall be governed by the Constitutional standards employed by the courts). At the timely request of 
either party, the arbitrator must provide a brief written explanation of the basis for the award.  
10. Right to Discovery: In addition to the parties rights to obtain discovery pursuant to the arbitration 
rules of the Administrator, either party may submit a written request to the arbitrator to expand the scope 
of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have 
discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal: Judgment upon the arbitrators award may be entered by 
any court having jurisdiction. The arbitrators decision is final and binding, except for any right of appeal 
provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for 
injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding 
$50,000, any party can, within 30 days after the entry of the award by the arbitrator, appeal the award to a 

three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of 
the initial award requested by the appealing party. The decision of the panel shall be by majority vote. 
Reference in this Arbitration Provision to "the arbitrator" shall mean the panel if an appeal of the 
arbitrators decision has been taken. The costs of such an appeal will be borne in accordance with 
Paragraph 30.C.8. above. 
12. Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts owed 
under this Agreement, the closing of the Account, any legal proceeding and any bankruptcy to the extent 
consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this 
Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this 
Agreement, on the other hand, this Arbitration Provision shall govern. This Arbitration Provision replaces 
any Prior Arbitration Agreement.  
13. Severability: If any portion of this Arbitration Provision, other than the Class Action Waiver, is 
deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. If a 
determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration 
Agreement will remain in force and the remaining provisions shall be null and void, provided that the 
determination concerning the Class Action Waiver shall be subject to appeal.  
14. Special Payment: If (1) you submit a Claim Notice in accordance with Paragraph 30.B. on your own 
behalf (and not on behalf of any other party); (2) we refuse to provide you with the relief you request; and 
(3) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the 
arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled).  
31. Customer Service. For customer service, you can call toll-free: 1-888-304-3974 (TDD/TTY 1-888-
819-1918). 
32. Using Your Credit Card Account. Your Account may be used to make purchases from any of the 
following: Carter Lumber and such other retailers as we may determine from time to time by notifying 
you via electronic mail, statement message, posting on a website or such other method as we may 
determine. We reserve the right not to honor particular transactions, which may include, without 
limitation, transactions related to gambling, ATM usage at casinos (if applicable through this program), 
and illegal activities. 
Notice(s): 
For Wisconsin Residents. 
If you are married, please contact us immediately upon receipt of this Agreement at 1-888-304-3974 
(TDD/TTY 1-888-819-1918) and provide us with the name and address of your spouse. We are required 
to inform your spouse that we have opened a credit account for you. 
For Bankruptcy Notifications: 
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: 
WFCB, Bankruptcy Department, PO Box 183043 Columbus, OH 43218-3043.  
************************************ 
Your Billing Rights; Keep This Notice For Future Use. 
This notice contains important information about your rights and our responsibilities under the 
Fair Credit Billing Act.  
Notify Us In Case of Errors or Questions About Your Bill. 
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your 
bill, write us on a separate sheet at World Financial Capital Bank, PO Box 182620, Columbus, OH 
43218-2620. Write to us as soon as possible. We must hear from you no later than 60 days after we sent 
you the first bill on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights.  
In your letter, give us the following information:  

•  Your name and Account Number.  
•  The dollar amount of the suspected error.  
•  Describe the error and explain, if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

Your Rights and Our Responsibilities After We Receive Your Written Notice.  
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 
days, we must either correct the error or explain why we believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including Finance Charges and we 
can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to 
any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, and you will 
have to make up any missed payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you, and you write to us within ten days telling us that you still refuse to pay, 
we must tell anyone we report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 
If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill 
was correct. 
Special Rule For Credit Card Purchases. If you have a problem with the quality of property or services 
that you purchased with a credit card and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the property or services. There 
are two limitations on this right:  
A. You must have made the purchase in your home state or, if not within your home state, within 100 
miles of your current mailing address; and 
B. The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement 
for the property or services. 
World Financial Capital Bank is a ComenitySM company. 
Salt Lake City, UT  

CCA - DIY - (11/11)