Your Ann Taylor MasterCard® Credit Card account agreement. 
This  card  is  issued  by  Comenity  Bank  pursuant  to  a  license  from  MasterCard.  MasterCard  is  a  registered  trademark  of 
MasterCard  International  Incorporated.    This  Agreement  covers  the  Terms  and  Conditions  of  your  account  with  us.  In  this 
document,  you  will  find  important  information  about  using  and  managing  your  account,  including  a  Privacy  Statement  and 
information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving 
this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and 
fees. 
Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. 
•  You have a right to reject this Arbitration Provision. 
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If you do not reject this Arbitration Provision, it will be part of this Agreement and will: 
o  Eliminate your right to a trial by jury; and 
o  Substantially affect your rights, including your right to bring, join in or participate in class proceedings. 

Please read each section carefully and keep this document for your records. 
In the following sections, you will find information on: 
Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
A.  Getting started: the basics of your account 
B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable 
C.  Learning more about your account: credit plans, and credit limits, and how payments are calculated and applied 
D. 
E.  Other important information: legal rights, costs, and how we’ll handle changes to your account 
F.  Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you think 

Interest, fees and charges: when and how fees and costs are applied to your account 

there is an error on your periodic statement 

G.  Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies 
H.  Communicating with us: what happens when you contact us 
I.  Arbitration and jury trial waiver: how we’ll resolve disagreements, including a jury trial waiver and Arbitration provision 
Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 
Financial terms of your account 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for Purchases 

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

APR for Balance Transfers and 
Cash Advances 

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

24.99% 

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

Penalty APR and When it Applies 

This APR may be applied to your Account if you fail to make a late payment. 

How Long Will the Penalty APR Apply? If your APR is increased for this reason, 
the Penalty APR will apply until you make six consecutive payments when due. 
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 balance transfers and cash 
advances on the transaction date. 
If you are charged interest, the charge will be no less than $1.00 per credit plan 
To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 

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Annual Fee 

None 

Transaction Fees 

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Balance Transfer 
Cash Advance 
Convenience Checks 
Foreign Transaction 

The greater of $10 or 3% of the amount of the balance transfer.  
The greater of $10 or 3% of the amount of the cash advance. 
The greater of $10 or 3% of the amount of the convenience check. 
3% of each transaction in U.S. dollars. 

Penalty Fees 
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Late Payment 

Up to $35.00 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Returned Payment 

Up to $25.00 

How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

Comenity Bank 1-888-292-5707  (TDD/TTY 1-800-695-1788) 
New  York  Residents:  New  York  Residents  may  contact  the  New  York  state  Department  of  Financial  Services  by  telephone  or  visit  its  website  for  free 
information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. 

Rate Information: The following chart provides details on your variable rate as of March 1, 2014. We divide the APR by 365 to determine the daily periodic rate. 

Purchase APR 
Balance Transfers and Cash Advances 
Penalty 

Add to Index 
21.74% 
21.74% 
21.74% 

APR 
24.99% 
24.99% 
24.99% 

Daily Periodic Rate 
0.06846% 
0.06846% 
0.06846% 

We’ll  charge  you  a  minimum  interest  charge  of  $1.00  per  credit  plan  for  any  billing  period  in  which  interest  is  due.  For  additional  information,  see  Rates  in 
Section D. 

Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past 
Due  amounts.  The  total  Minimum  Payment  Due  on  your  account  won’t  be  less  than  $25.00.  If  your  Account  balance  is  less  than  $25.00,  you  must  pay  the 
amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plans will be:  
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The greater of: 
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Plus any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on the Statement rounded up to the nearest $1.00. 

1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on the Statement; or  
$5.00 

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See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.  
The APR information described below is accurate as of March 1, 2014.  Due to a change in the index, this information may have changed.   To find out more, call 
us  at  1-888-292-5707    (TDD/TTY:  1-800-695-1788),  or  write  us  at  Comenity  Bank,  PO  Box  182273,  Columbus,  Ohio  43218-2273  or  visit  our  website  at 
comenity.net/anntaylorcard. 
A. Getting Started 
Definitions 
In this Agreement, “We,” “Us” and “Our” mean Comenity Bank. “You” and “Your” mean each person who submits an application or solicitation for an Account 
with us. “Account” means your credit card account with us. “Card” means each credit card we issue for your Account, as applicable. “Credit Plan” means one or 
more payment program options Ann Taylor may ask us to offer from time to time. 
Upholding your Agreement 
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You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to obtain credit 
from us, you’ll be legally bound by this Agreement. You’re also legally bound if you sign a charge slip, or permit someone else to use the credit provided. 
You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial 
purpose. 
If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible 
for repaying all amounts due.  If more than one person is responsible for this Account, we will only provide billing statements and communications to one of 
you. 
Any  authorized  user  of  your  Account  will  be  bound  by  the  terms  of  this  Agreement.  One  additional  Card  may  be  issued  with  the  individual  name  of  an 
authorized user embossed on the Card. If you want to revoke the use of your Account by an authorized user, either write us at the address, or call us at the 
phone number, shown on your Statement. 
You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or made for 
your benefit. 

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Card signature (as applicable) 
For  your  own  protection,  please  sign  your  Card  before  using  it.  Keep  in  mind  that  your  signature  on  the  Card  isn’t  a  prerequisite  to  your  obligation  to  pay 
amounts incurred on your Account. 
Using your Account 
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•  We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities. 
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Your Account may be used to make purchases from anywhere MasterCard is accepted. 

if you are in default under this Agreement; 
if payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance limit; or 
if we cancel or suspend your right to use convenience checks 

You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing goods or services with your Card 
or your Account number; by obtaining a cash advance from a financial institution, by use of an ATM; by using a convenience check; or, by incurring charges 
authorized by this Agreement. 
From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience checks you use 
will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we advise you otherwise. 
You agree that convenience checks that you use will not be returned to you. 
You may not use the convenience checks to make payments on any Comenity Bank Account. 
You agree not to use a convenience check, and we do not have to pay any convenience check: 
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From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have 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 will be given a Personal Identification Number (PIN) which must be used in 
order to obtain an ATM cash advance. 
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If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by MasterCard into U.S. dollars in accordance with MasterCard 
Operating Regulations in effect at the time the transaction is processed. 
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Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations. 
You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance. 

The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. 

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The  currency  conversion  rate  used  may  be  the  same  as,  greater  than,  or  less  than  the  amount  that  would  be  calculated  by  conversion  through  a 
financial institution in the country in which the purchase or cash advance occurred. 

Making payments 
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Pay  your  Account  by  sending  a  check,  money  order,  or  cashier’s  check  payable  in  U.S.  dollars,  to  the  name  and  address  shown  on  your  Statement 
specified for payments. Please don’t send cash. 
Be  sure  to  include  your  payment  stub,  do  not  staple  your  payment  to  the  stub,  use  the  envelope  provided  with  your  Statement  and  don’t  send  any 
correspondence with your payment. 
If your payment doesn’t meet these requirements, it may not be credited to your Account for up to five days, or may be rejected. 
All  written  communications  concerning  disputed  amounts,  including  any  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 Antonio, Texas 78247-5004. 
o  We may accept a payment sent to any other address without losing any of our rights. 
o  No payment shall operate as an accord and satisfaction without our prior written approval. 

Fail to make any payment when due 
Violate any provision of this Agreement 
Pass away 
Become the subject of bankruptcy or insolvency proceedings 
Supply us with misleading, false, incomplete or incorrect information 
Are unable or unwilling to perform the terms or conditions of this Agreement 
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 affiliates 
Become incompetent 
Exceed your Credit Limit 
Issue a payment returned unpaid by your bank for any reason 

B. Keeping your account in good standing 
Avoiding default 
You’ll be in default under this Agreement if you: 
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If  we  consider  your  Account  in  default,  we  may  suspend  your  ability  to  make  charges,  close  your  Account,  require  you  to  pay  the  full  amount  you  owe 
immediately or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy 
your default. 
Reporting a lost or stolen card (as applicable) 
If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at PO Box 182273, Columbus, 
Ohio 43218-2273 or call us at 1-888-292-5707  (TDD/TTY: 1-800-695-1788).  You will not be liable for any unauthorized use that occurs after you notify us.  You 
may, however, be liable for unauthorized use that occurs before your notice to us.  In any case, your liability will not exceed $50. 
C. Learning more about your account 
Credit Plans 
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Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their 
particular features (including but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include 
one or more Regular Revolving or promotional Credit Plans. 
•  We may offer different promotional Credit Plans from time to time. 
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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, by use of an 
insert, attachment, or other written information provided as part of this Agreement. 
Normal  late  fees,  returned  payment  fees  and  all  other  provisions  apply  to  any  promotional  Credit  Plan,  unless  inconsistent  with  a  particular  Credit  Plan 
offering. 
If  the  promotional  Credit  Plan  purchase  isn't  paid  in  full  before  the  promotional  period  ends,  the  balance  will  be  transferred  to  your  Regular  Revolving 
balance. 
Promotional Credit Plans may include: 
o  Waive Interest, Payment Required 
o  Waive Interest, Equal Payment 
o  Waive Interest, Low Payment 
o  Defer Interest, Equal Payment 
o  Defer Interest, Payment Required 
o  Defer Interest, Low Payment 
Low APR, Equal Payment 
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Budget Payment 
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At our discretion, we may allow you to skip making the Minimum Payment. 
Finance Charges will be assessed during the skip-payment period, but a late fee won’t be imposed.  This will not be considered a waiver of any of the rights 
granted by this Agreement. 
All other terms of your Account apply during the skip-payment period. 

Your Credit Limit is the total maximum amount we permit you to owe us at any time. 
You may not exceed any Credit Limit that we set for your Account. 
If  you  do  exceed  your  Credit  Limit,  we  can still charge  you  for  all transactions,  interest  and  other charges  without  giving  up  any  of  our  rights  under  this 
Agreement. 

•  We may change your Credit Limit at any time. 
Account cancellation 
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•  We may cancel your Account at any time, for any reason. 
•  We may refuse to authorize any transaction on your Account. We may also suspend your Account and your right to use your Card, including each Card you 

You may cancel your Account. You’re still obligated to pay the full amount you owe us. 

give to others. 

Cancellation or suspension of your Account doesn’t negate your obligation to pay any amount you owe us. 
Cancellation of your Account includes each Card you give to others. 
Cards are issued with an expiration date. We have the right not to renew your Account. 

•  We may stop offering any Credit Plan at any time, for any reason. 
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Minimum Payment 
•  You can pay all of your Account balance at any time without penalty. 
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You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement. 

Skip-payment option 
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Credit limit 
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The Minimum Payment is the total of the minimum payments for the Regular Revolving and promotional Credit Plans plus any Past Due amounts. 
The Total Minimum Payment won’t be less than $25.00. If your Account balance is less than $25.00, you must pay the amount indicated on your Statement 
in full. 
The minimum payment for each Credit Plan is calculated as follows: 
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The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of: 

(a) $5.00 or 
(b) 3.5% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 

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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 
$1.00. 
The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest charges that 
will  be  assessed  from  the  date  of  purchase  through  the  end  of  the  promotional  period  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 $1.00. 
The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of: 

(a) $5.00 or 
(b) 1.0% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 

Payment application 
•  We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in balances subject to lower 

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interest rates being paid prior to other balances. This may also result in higher interest charges. 
Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law. 
Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing 
periods of the promotional period. 
D. Interest, fees and charges 
Interest charges 
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There is no period in which you can pay back a cash advance, any other transaction treated as a cash advance under this Agreement, or a balance transfer 
to  avoid  incurring  a  Finance  Charge.  For  a  cash  advance  using  a  convenience  check,  the  date  of  the  advance  is  the  date  the  convenience  check  is 
presented to us or our agent for payment. For all other cash advances, the date of the advance is the date you obtained the advance. 
If you make a purchase under a Regular Revolving Credit Plan, interest charges won’t be imposed in any billing period in which (i) no Previous Balance 
exists or (ii) payments received and credits issued by the Payment Due Date, equal or exceed the Previous Balance. 
If the New Balance shown on your last Statement isn't paid in full by the Payment Due Date shown on your last Statement, there will be an interest charge 
on each purchase from the date of purchase. 
If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total purchase amount before the 
end of the promotional period. If you don't pay the total purchase amount before the end of the promotional period, we'll add the remaining amount to your 
Regular Revolving balance. We'll also begin charging interest on the purchase from the first day after the promotional period ends. 
If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add 
the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance. 
If  you  make  a  purchase  under  a  Low  APR,  Equal  Payment  Credit  Plan,  interest  will  be  assessed  from  the  date  of  purchase  through  the  end  of  the 
promotional period. 

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How we calculate Interest Charges on your Account 
We calculate interest separately for each Credit Plan, using a “Daily Balance” to determine interest charges for each billing period. Our calculation method is as 
follows: 
•  We start with the beginning balance on your Account each day (including unpaid interest charges and fees). 
•  We  subtract  any  payments  or  credit  adjustments  (treating  any  net  credit  balance  as  a  zero  balance)  and  add  new  transactions  and  debit  adjustments 

posted as of that day. This gives us the “Partial Daily Balance” for the day. 

•  We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the “Daily Interest Charge” for the day, which we add to the 

day’s Partial Daily Balance. 

•  We’ve now determined the “Daily Balance,” which will be the beginning balance for the following day. This results in daily compounding of interest charges. 
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At the end of each billing period, we add together each Credit Plan’s Daily Interest Charge, which gives us the total interest charge. 
Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by the total 
number of days. 

Rates 
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The Index in effect for each billing period will 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").  
Any variable APR may increase if the Index increases. 
An  increase  or  decrease in  the APR  will  result  in  a corresponding increase  or  decrease  in  the  amount  of  interest  and may  increase the  Total  Minimum 
Payment. 
Penalty Rate 
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If  you fail to pay all or part of your Minimum Payment Due by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we 
may apply a penalty APR (“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 

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law. 
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 then-applicable 
Daily Periodic Rate of Finance Charge and corresponding APR. 
If you fail to make any Minimum Payments Due during the Penalty period, the Penalty Rate will continue to apply. Your monthly statements will disclose the 
applicable Penalty Rate for the Billing Period. 

Other fees and charges 
You agree to pay the following fees and charges: 
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The fee is $25.00 if you were not charged a late fee during any of the prior six billing periods. 

This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed. 

Late Fee: If you don’t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. 
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o  Otherwise, the fee is $35.00. 
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Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any reason. 
The fee is $25.00 if you were not charged a returned payment fee during any of the prior six billing periods. 
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This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed. 
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Although we may decide to do so, we aren’t required to attempt to collect a payment more than once. 
Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing error 
inquiries or resolution), we may charge the Account the following fee(s), subject to any limitations of applicable law: 
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Statement copy - $6.00 

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Sales/Credit Draft copy - $6.00 
o  Check/Money Order copy - $6.00 
Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your Account over 
the phone.  If you choose to use this payment method, we may assess the current fee we charge for this service, subject to any limitations of applicable 
law. Currently, that fee is up to $15.00 but may change. We’ll let you know the current fee before you authorize any payment(s), and you can withdraw your 
request if you don’t want to pay the fee. 
Cash Advance Fee: For any cash advance obtained in person from a financial institution or through an ATM, you will pay a transaction fee equal to the 
greater of $10 or 3% of the amount of the cash advance. You take a cash advance if you use a convenience check; get money through an automated teller 
machine (ATM); or get money through a financial institution. 
Convenience Check Fee:  For any convenience check written against your Account, you will pay a transaction fee equal to the greater of $10 or 3% of the 
amount of the convenience check. 
Balance Transfer Fee:  For any balance transfer from another account, you will pay a transaction fee equal to the greater of $10 or 3% of the amount of 
the balance transfer. 
Foreign Transaction Fee: For any charge or cash advance outside the United States or in a foreign currency, you will pay a transaction fee equal to 3% of 
the  U.S.  dollar  amount  of  the  transaction.    If  a  charge  or  cash  advance  is  converted  into  U.S.  dollars  our  network  providers  (Visa,  MasterCard,  and 
Discover) will select either (1) a rate from the range of rates available in wholesale currency markets for the applicable central processing date, which may 
vary from the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable central processing date. 
Return Convenience Check Fee: For each convenience check written against your Account which fails to clear and is returned unsatisfied, you will pay a 
fee of up to $35.  
Stop Payment Fee: For each convenience check written against your Account on which you request us to stop payment, you will pay a fee of up to $35, 
regardless of whether we actually stop payment on the convenience check. 

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E. Other important information  
Collection costs 
To the extent not prohibited by applicable law, you agree to pay the reasonable costs for collecting amounts due, including reasonable attorney's fees and court 
costs incurred by us or another person or entity. 
Changes 
We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and a right to 
reject the change(s). 
Security Interest 
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  such  goods.  We  waive  any  security  interest  we  may  have  in  your  principal  dwelling,  to  the  extent  that  it  would  otherwise  secure  any  obligation  arising 
hereunder. 
Changes to your information 
You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s). 
Governing Law 
THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO 
A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW. 
Transfer of Rights/Assignment 
Your rights under this Agreement can’t be transferred by you, by operation of law or otherwise, but your obligations will 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. 
No Waiver of Rights 
We can delay enforcing our rights under this Agreement without losing them. 
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. 
Notice to New Jersey Residents 
All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
F. Disputes and Reporting to Consumer Reporting Agencies 
Credit Reports 
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You give us permission to investigate your credit record. 
You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection 
with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the 
name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise 
submitting an application or solicitation. 
You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer 
reporting agencies. 
You  give  us  permission to  provide  information  about  your  Account  to  consumer  reporting  agencies and  other  creditors,  as  well  as  to  the  retailer  whose 
name appears on your Card. 

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Account Information:  Your name and Account number 
Contact Information:  Your address and telephone number 
Disputed Information:  Identify the Account information disputed and explain why you believe it is inaccurate 
Supporting Documentation:  If available, provide a copy of the section of the credit report showing the Account information you are disputing 

Credit report disputes 
If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 
182789, Columbus, Ohio 43218-2789.  
Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate: 
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We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that 
the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported 
the information. 
Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: Comenity Bank, PO Box 182782, Columbus, Ohio 43218-2782 
In your letter, give us the following information: 
• 
• 
• 
You must contact us: 

Account information: Your name and account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

•  Within 60 days after the error appeared on your statement. 
• 
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to 
pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
• 
• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement 
of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your 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 purchase. 
To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card 
account do not qualify. 
3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Comenity Bank 
PO Box 182782, Columbus, Ohio 43218-2782 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
G. Optional products 
Credit insurance (as applicable) 
Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on 
the last day of each billing period.  You can cancel your coverage at any time. 
Account Assure Pro Debt cancellation (as applicable) 
• 
• 

Purchasing Account Assure Pro is optional. 
Your decision whether or not to purchase Account Assure Pro won’t affect your application for credit or the terms of any existing credit agreement you have 
with us. 
• 
The monthly fee for Account Assure Pro is based on the outstanding monthly balance on your Account each month and will be added to your Statement. 
•  We’ll provide additional information before you’re required to pay for Account Assure Pro. This will include a copy of the terms and conditions pertaining to 

Account Assure Pro. 
You can cancel your Account Assure Pro at any time. 
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Account Assure Pro. 
Be sure to carefully read the Addendum for a full explanation of the terms of Account Assure Pro. 

a cell, landline, or text number you provide, use to contact us, or at which we believe we can reach you (even if it is not yours), 
any electronic mail address you provide to us or one of our merchants, 
automated dialer systems and automatic telephone dialing systems, 
pre-recorded or artificial voice messages and other forms of communications. 

• 
• 
• 
H. Communicating with us 
Communicating to you about your Account 
If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors 
and collectors of your Account, to communicate with you in any way, such as calling, texting, or electronic mail via: 
1) 
2) 
3) 
4) 
You  also  agree  that  these  communications  aren’t  unsolicited  for  purposes  of  any  state  or  federal  law,  and  you  understand  that  this  may  result  in  additional 
mobile, text message, or data charges. 
Phone monitoring 
• 
• 
• 
For Wisconsin residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-888-292-5707  (TDD/TTY 1-800-695-1788) and provide us with the name 
and address of your spouse. We are required to inform your spouse that we have opened a credit account for you. 
For bankruptcy notifications: 
All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank, Bankruptcy Department, PO Box 
182125, Columbus, Ohio 43218-2125. 
I. Arbitration and jury trial waiver 
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. 

To provide you with high-quality service, phone communication with us is monitored and/or recorded.   
You agree that we monitor and/or record any phone calls between you and us.   
Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 

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 Comenity Bank, PO Box 182436, Columbus, Ohio 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  C.1.  BELOW,  IT  WILL  BE  PART  OF  THIS  AGREEMENT  AND  WILL  HAVE  A  SUBSTANTIAL  IMPACT  ON  THE  WAY  YOU  OR  WE  WILL 
RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1.  Your  Right  to  Reject:    If  you  don’t  want  this  Arbitration  Provision  (and  any  prior  arbitration  agreement  between  you  and  us  (“Prior  Arbitration 
Agreement”)) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement 
that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Bank, 
PO Box 182422, Columbus, Ohio 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) 
Comenity 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).  “Claim”  does  not 
include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition 
against class proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the “Class Action Waiver”), the 
last sentence of Paragraph C.13 and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that 
concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. 
4. Starting an Arbitration:  Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with respect to a 
different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim that you 
bring against us in small claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then 
have the right to demand arbitration. 
5.  Choosing  the  Administrator:    “Administrator”  means  the  American  Arbitration  Association  (“AAA”),  1633  Broadway,  10th  Floor,  New  York,  NY  10019, 
www.adr.org;  JAMS,  620  Eighth  Avenue,  34th  Floor,  New  York,  NY  10018,  www.jamsadr.com;  or  any  other  company  selected  by  mutual  agreement  of  the 
parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected 
by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator must be a retired or 
former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written notice of your selection with your notice 
that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim (or, if you dispute our right to 
require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator on time, we may do it. Notwithstanding 
any  language  in  this  Arbitration  Provision  to  the  contrary,  no  arbitration  may  be  administered,  without  the  consent  of  all  parties  to  the  arbitration,  by  any 
Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE 
RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS 
MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE 
AVAILABLE IN ARBITRATION.  
7. Prohibition  Against Certain Proceedings:  IF YOU OR WE ELECT TO  ARBITRATE  A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN  A 
CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR 
WE MAY  ACT  AS  A  PRIVATE  ATTORNEY  GENERAL  IN  COURT  OR  IN  ARBITRATION;  (3)  CLAIMS  BROUGHT  BY  OR  AGAINST  YOU  MAY  NOT  BE 
JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER 
OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay any and 
all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this 
Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys’ and experts’ fees if you prevail or if we must bear such 
fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
9. Governing Law:  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and 
not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of 
privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action were pending in court (including, 
without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the 
arbitrator must provide a brief written explanation of the basis for the award. 
10. Right to Discovery:  In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit a 
written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have 
discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator’s award may be entered by any court having jurisdiction. The arbitrator’s decision is 
final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive or 
declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award by 
the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award 
requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to “the arbitrator” shall mean the 
panel if an appeal of the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with Paragraph 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 B above 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). 

176ALLC083013 

 
 
 
 
Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual Percentage Rate 
(APR) for Purchase 

Prime rate plus 21.74%. 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 
and Cash Advances 
Penalty APR and When It 
Applies 

Prime rate plus 21.74%. 
This APR will vary with the market based on the Prime Rate. 
Prime rate plus 21.74%. 
This APR will vary with the market based on the Prime Rate. 

 This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply? If your APR is increased for this reason, 
the Penalty APR will apply until you make six consecutive minimum payments when 
due. 

Paying Interest 

Minimum  Interest  Charge 

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. 
If  you are charged  interest,  the  charge  will  be no less  than  $1.00  per credit  plan. 

Fees 

•  Annual  Fee 

None 

Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
•  Convenience Check 
•  Foreign Transaction 

Penalty  Fees 
•  Late Payment 
•  Returned Payment 

Balance Computation 
Method 

The greater of $10 or 3% of the amount of the balance transfer. 
The greater of $10 or 3% of the amount of the cash advance. 
The greater of $10 or 3% of the amount of the convenience check. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $25 

We  use a method  called "daily  balance  (including  new purchases)."