Terms & Conditions of the PayPal Credit
      Payment System
      PayPal Credit is an open�end credit plan offered by Comenity Capital Bank (the "Lender"). By using PayPal Credit to
      complete a purchase, you apply for credit and agree you have read the Terms and Conditions, including the Agreement
      to Arbitrate, as well as the Privacy Policy; and authorize the Lender to review your credit report. You authorize parties
      with whom you make a purchase to share your personal information, including email address, with the Lender to use
      that information for any  lawful purpose.
      The Terms and Conditions of PayPal Credit include the following:
      Important Disclosures    E-Sign Consent           Account Agreement*
      *Including Agreement to Arbitrate. You can choose to reject the Agreement to Arbitrate as further explained in
      Section 19 below.
       PayPal Credit Important Disclosures
       The information that follows includes important information about the cost of credit and the interest rates.
       Your Promotional Purchase terms may vary from what is below. Please see the terms presented at the
       time of your Promotional Purchase for the applicable APR.
       Interest Rate and Interest Charges
       Annual Percentage Rate 19.99%
       (APR) for Standard
       Purchases
       APR for Cash Advances 19.99%
       How to Avoid Paying Your due date is at least 25 days after the close of each billing cycle. We will not
       Interest          charge any interest on Standard Purchases or Cash Advances if you pay your entire
                         balance by the due date each month.
       Minimum Interest  If you are charged interest, the charge will be no less than $2.00.
       Charge
       For Credit Card Tips To learn more about factors to consider when applying for or using a credit card, visit
       from the Consumer t he website of the Consumer Financial Protection Bureau at
       Financial Protection http://www.consumerfinance.gov/learnmore
       Bureau
       Fees
       Annual Fee        None
       Penalty Fees      Late Payment Fee       Up to $38.00
                         Return Check Fee       Up to $27.00
       How We Will Calculate The Lender uses a method called "average daily balance (including new Purchases
       Your Balance      and Cash Advances)." See the Account Agreement for more details.
       Billing Rights    Information on your rights to dispute transactions and how to exercise those rights is                         provided in the Account Agreement.
       Amendment of the  The Lender may amend the Terms and Conditions, including any of the terms stated
       Terms and Conditions above, from time to time, in accordance with Section 13 of the Account Agreement
                         "Amendment of This Agreement."
       Important Information To help the government fight the funding of terrorism and money laundering activities,
       about Procedures for Federal law requires all financial institutions to obtain, verify, and record information
       Opening a New Account that identifies each person who opens an account. Wh at this means for you: When
                         you open an account, the Lender will obtain your name, address, date of birth, and
                         other information that will allow the Lender to identify you. The Lender may verify this
                         information with you and others. The Lender may also request to see your driver's
                         license or other identifying documents.
       MILITARY LENDING ACT DISCLOSURE
       Important Disclosure for Federal law provides important protections to members of the Armed Forces and their
       members of the Armed dependents relating to extensions of consumer credit. In general, the cost of consumer
       Forces and their  credit to a member of the Armed Forces and his or her dependent may not exceed an
       Dependents (Effective annual percentage rate of 36 percent. This rate must include, as applicable to the
       for new Accounts  credit transaction or account: The costs associated with credit insurance premiums;
       opened on or after fees for ancillary products sold in connection with the credit transaction; any
       October 3, 2017)  application fee charged (other than ce rtain application fees for specified credit
                         transactions or accounts); and any participation fee charged (other than certain
                         participation fees for a credit card account). None of these types of costs or fees apply
                         to your PayPal Credit Account. Your APR is reflected in the disclosures above. If you
                         would like to listen to this and other applicable disclosures, please call 1-888-221-
                         1161, follow the prompts and when asked to tell us why you are calling say "Military
                         Lending Act".
       STATE DISCLOSURES
       CA Residents       If you are married, you may apply for a separate account.
       OH Residents       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.
       NY, RI, & VT Residents We may order credit reports in connection with processing applications/solicitations
                          and any update, renewal, or extension of credit. 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.
                          New York Residents: Comenity Capital Bank/PayPal Credit 1-866-528-3733. New
                          York residents may contact the New York 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 1-877-226-
                          5697 or www.dfs.ny.gov.
       WI Residents       No provision of a marital property agreement, unilateral statement under Section
                          766.59, or court decree under Section 766.70 adversely affects the interest of
                          Comenity 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.
                          If you are married, please contact us immediately at: PayPal Credit, P.O. Box
                          5018, Timonium, MD 21094 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.
       PayPal Credit E-Sign Consent
       IMPORTANT NOTICE. In order to complete this transaction online, the Lender must provide you with
       certain disclosures required by law. The Lender can provide these disclosures to you online only if you
       consent. You should choose another payment option if you do not consent.
       Definitions       In this PayPal Credit E-Sign Consent, the following definitions apply:
                          "You" and "your" mean the person who is asking to use PayPal Credit to make a
                          purchase or cash advance.
                          "We," "us," and "our" mean the Lender and, following an assignment, any person,
                          company, or bank to whom the rights of the Lender have been assigned.
                          "PayPal Credit Payment System" is the payment system that allows you to pay for
                          purchases from participating merchants by charging the costs to your PayPal Credit
                          Account. It may be called simply "PayPal Credit".
                          "Disclosures" means important communications and other information relating to
                          your application for and/or use of PayPal Credit, including but not limited to
                          agreements, privacy notices, billing statements and changes in terms.
       Consumer Consent  By clicking the "Agree and Continue" button and/or checking the "I agree to have the
                         Terms and Conditions presented electronically," which you hereby adopt as your
                         electronic signature, you consent and agree that: 
                          We can provide Disclosures required by law and other information about your legal
                          rights and duties to you electronically.
                          Your electronic signature on agreements and documents has the same effect as if
                          you signed them in ink.
                          We can send all Disclosures to you electronically via our website or to the email
                          address that you have provided to the merchant in this transaction or to another
                          email address that you provide to us for that purpose rather than in paper form.
                          We may alert you when the Disclosures are available by sending you an electronic
                          communication.
                          Our email will tell you how you can view the Disclosures.
                          We will make the Disclosures available to you for not less than 90 days from the
                          date they first became available to you.
                          You will be able to print a copy of the Disclosures or download the information for
                          your records.
                          This consent applies to this transaction, all future Disclosures you receive, and to
                          all future transactions in which you use the PayPal Credit Payment System, at any
                          time unless you have, prior to such transaction, withdrawn your consent by the
                          procedure mentioned below.
       What You Will Need You understand that, in order to access and retain electronic Disclosures, you will
                         need the following:
                          A computer with an Internet connection.
                          A current web browser that includes 2048-bit encryption (e.g., Internet Explorer
                          version 10.0 and above, Firefox version 27.0 and above, Chrome version 33.0 and
                          above, or Safari version 7.0 and above) with cookies enabled.
                          A valid email address.
                          Sufficient storage space to save past Disclosures OR an installed printer to print
                          them.
                          If you use a spam filter that blocks or re-routes emails from senders not listed in
                          your email address book, you must add creditcustomersupport@paypal.com to
                          your email address book.
       Requesting Paper  You understand that you may request paper copies of the Disclosures within 180 days       Documents And     of the date of the Disclosures, and that we will provide them to you by mail at no
       Withdrawing Consent charge. You understand that you have the right to receive these Disclosures in paper
                         form and that you may withdraw your consent by logging into www.paypal.com (if
                         you have a PayPal account) where you can change your statement and disclosure
                         preferences. You can also request paper copies and/or withdraw consent by
                         contacting us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-
                         3733.
       Updating Email Address At any time, you can update the email address to which we may send alerts that your
                         Disclosures are available. You can  change your email preferences by logging into
                         www.paypal.com (if you have a PayPal account). You can also do this by contacting
                         us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-3733.
       Legal Effect      By consenting, you agree that electronic Disclosures have the same meaning and
                         effect as if we provided paper Disclosures to you when and if we are required to do so.
                         When we send you a Disclosure in electronic form or post a Disclosure on our website
                         that shall have the same meaning and effect as if we  provided paper Disclosures to
                         you, whether or not you choose to view the Disclosures, unless you had previously
                         withdrawn your consent to receive Disclosures electronically. We may also send you
                         an email alerting you that the Disclosures are available electronically and make them
                         available online.
       General           You understand and agree that we reserve the right to cancel this electronic
                         Disclosure service, change the terms of use of this service, or send Disclosures in
                         paper form at any time. You understand and agree that w e are not responsible for any
                         delay or failure in your receipt of any email notices we may send.
       PayPal Credit Account Agreement
       THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE
       DISPUTES, WITH LIMITED EXCEPTIONS, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND LIMITS
       THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
       IF YOU ARE COVERED BY THE PROTECTIONS OF THE MILITARY LENDING ACT, THE AGREEMENT TO
       ARBITRATE DOES NOT APPLY TO YOU.
       This Agreement sets forth the terms and conditions of the PayPal Credit Account ("Account") and the extensions of
       credit made by Comenity Capital Bank (the "Lender"). Please read this Agreement and keep a copy.
       1. DEFINITIONS:
       PARTIES TO THIS AGREEMENT AND OTHER ENTITIES
       You & your        The person who applied for this Account and agrees to this Agreement.
       We, us, & our     The Lender and, following an assignment, any person, company, or bank to whom the
                         rights of the Lender have been assigned.
       Bill Me Later, Inc. Located in Timonium, Maryland, developed PayPal Credit and provides services for the
                         Lender, such as processing transactions, keeping records, sending billing statements,
                         and providing customer service. Bill Me Later, Inc. may also receive payments and
                         perform collection activities on behalf of the Lender.
       PayPal, Inc.      Located in San Jose, California, is a payment service provider that consumers and
                         merchants use to make payments t o and accept payments from third parties.
       TERMS
       Account           The PayPal Credit open-end (revolving) account that is the subject of this Agreement.
       Agreement         The PayPal Credit Important Disclosures above, this PayPal Credit Account       Agreement         The PayPal Credit Important Disclosures above, this PayPal Credit Account
                         Agreement, and any amendment or addendum thereto.
       Billing Cycle     The time between the dates on which we prepare billing statements, or would have
                         prepared them if statements were required under Section 11 "Billing Statements." The
                         Billing Cycle will end on approximately the same day of each month. We may change
                         the day the Billing Cycle ends, at our option.
       Cash Advances     Extensions of credit made on the Account to you, when you choose the PayPal Credit
                         Payment System to Send Money to friends or family members (not to or from a
                         business) without a Purchase.
       Cost              The amount of any Cash Ad vances you obtain using PayPal Credit or the total price of
                         any item(s) you purchase from a Merchant using PayPal Credit, plus any fee or charge
                         you agree to pay the Merchant or PayPal, Inc., the cost of shipping and taxes, less
                         any applicable discount or credit offered by the Merchant.
       Credit Line       The dollar amount of credit available for you to borrow on this Account.
       End Date          The Payment Due Date on the billing statement that includes the final Monthly Plan
                         Payment on an Easy Payments Purchase.
       Expiration Date   The date on which the deferred interest period ends for Deferred Interest Purchases.
       Grace Period      The period within which you may repay a loan or extension of credit without incurring
                         any interest.
       Merchant          A merchant participating in and authorized to accept the PayPal Credit payment
                         option.
       Monthly Plan Payments Substantially equal monthly installments required for Easy Payments Purchases,
                         including any applicable interest.
       Payment Due Date  The date, which will appear on each billing statement as the "Payment Due Date" for
                         the Billing Cycle.
       PayPal Credit Payment The payment system that allows you to pay for purchases from participating
       System            merchants by charging the costs to your PayPal Credit Account. It may be called
                         simply "PayPal Credit."
       Promotional Purchases Includes Deferred Interest Purchases, Easy Payments Purchases, and other
                         promotional purchases as offered from time to time that may be subject to special,
                         promotional repayment terms and/or Annual Percentage Rates ("APRs") for all or part
                         of the time they are unpaid. You may only have the ability to make some Promotional
                         Purchases from time to time, depending on what the Merchant is offering. All
                         Promotional Purchases may be separately itemized or may be grouped together in the
                         Interest Charge Calculation and Prom otional Purchases sections of your billing
                         statement. Promotional Purchases do not include any Send Money transactions.
                          Deferred Interest Promotional Purchases on which no interest will be charged if
                          Purchases    they are paid in full within six months. If the purchase is not
                                       paid in full by the Expiration Date, interest will be
                                       charged from the transaction posting date at an APR of
                                       19.99%.
                          Easy Payments Promotional Purchases that will be repaid in substantially
                          Purchases    equal monthly insta llments called "Monthly Plan Payments."
       Purchases         Extensions of credit made on the Account to you, when you choose the PayPal Credit
                         Payment System to pay for a purchase from a Merchant. You may occasionally see
                         references to "credit card purchases" because under Federal law this is considered a
                         credit card account.       Send Money        Your ability to make payments to third parties using PayPal, Inc.'s services, including
                         in connection with: (i) a Purchase of goods or services; or (ii) a transfer of money to
                         friends or family members (not to or from a business) without a Purchase.
       Standard Purchases Purchases that are not Promotional Purchases or otherwise subject to special,
                         promotional repayment terms and/or APRs.
       2. HOW YOU AGREE TO THIS AGREEMENT:
      You agree to the terms of this Agreement and you make the promises it contains by either applying for or accepting an
      Account or making a purchase using PayPal Credit after receipt of this Agreement.
       3. TYPES OF PURCHASES AND TRANSACTIONS:
       STANDARD PURCHASES
        You can make a Standard Purchase using this Account by choosing the PayPal Credit Payment System when
        you make a purchase from a Merchant at a website, by telephone, or at another authorized location. We will
        extend credit to you, in the amount of the Cost of the Purchase, by paying the Merchant on your behalf.
       CASH ADVANCES
        You can make a Cash Advance using this Account by choosing to Send Money to friends or family members (not
        to or from a business) without a Purchase. We will extend credit to you, in the amount of the Cost of the Cash
        Advance, by authorizing PayPal, Inc. to transmit the Cost of the Cash Advance to the designated recipient. You
        may not use the Cash Advance feature to Send Money to yourself. We have the right to decline Cash Advance
        transac tions for any reason permitted by applicable law, including if fraudulent or high risk behavior is suspected.
       PROMOTIONAL PURCHASES: DEFERRED INTEREST PURCHASES
        There is one type of Deferred Interest Purchase:
         No Payments + No Deferred Interest Purchases on which no payments will be due during the six-
         Interest if paid in full in month deferred interest period.
         6 months Purchases
        If you pay the balance on a Deferred Interest Purchase in full by the Expiration Date, we will not charge any
        interest for that Purchase. We will calculate the interest for each Billing Cycle prior to the Expiration Date and
        disclose it on the billing statement as the Accrued Deferred Interest. If you do not pay the balance in full before
        the Expiration Date, (1) we may charge your Account, in the Billing Cycle in which the Expiration Date occurs,
        interest on that Promotional Purchase from the transaction posting  date at an APR of 19.99%, and (2) any
        remaining balance will be treated as a Standard Purchase beginning on the Expiration Date.
       PROMOTIONAL PURCHASES: EASY PAYMENTS
        There are two types of Easy Payments Purchases:
         Easy Payments + No Easy Payments Purchases that are not subject to interest, if you pay the balance
         Interest Purchases in full by the End Date.
         Financed Easy    Easy Payments Purchases that are subject to interest at an APR disclosed at the
         Payments Purchases time of purchase, not to exceed 19.99%.
        We may offer this as the only method you can use to make a Purchase from a Merchant, or as an option to the
        Standard Purchase and/or Deferred Interest Purchase method. Easy Payments Purchases will be subject to the
        terms offered at the time of the transaction by the Merchant. If you do not pay the balance in full by the End Date,
        any remaining balance will be treated as a Standard Purchase.
       4. YOUR CREDIT LINE AND OTHER AGREEMENTS:       4. YOUR CREDIT LINE AND OTHER AGREEMENTS:
       Credit Line       At the time you open your Account and request your first extension of credit, we will
                         evaluate your request for credit. If we extend you credit, we will disclose to you the
                         total amount of your Credit Line, which will be no less than $250.00. 
                         The total balances of all types of transactions on the Account plus transactions which
                         have been authorized but not yet posted to the Account (but not including unpaid fees)
                         may not exceed the Credit Line. 
                         If you try to make a Purchase or Cash Advance that would cause your outstanding
                         balance to be above your Credit Line, we may treat that as a request to increase the
                         Credit Line.
                          For example: If your Credit Line is $650.00, you have a $200.00 balance, and you
                          try to mak e a Purc hase or request a Cash Advance of $500.00, we may treat this
                          as a request for an increase in the Credit Line. If we approve this transaction, your
                          new Credit Line will be $700.00.
                         We have the option to refuse a request for an increase, but we will notify you of the
                         reasons for any refusal. We may allow you to complete a transaction in excess of your
                         available credit without increasing your Credit Line under certain circumstances, such
                         as if you have a previous "non-sufficient funds" payment on your Account.
                         We may increas e, decrease or change your Credit Line at any time. We will notify you
                         if we do so. 
                         From time to time, we may review your Account to ensure that payments and
                         transactions posting to your Account are valid and not fraudulent and that good funds
                         are collected for payments. In doing so, we may temporarily limit your ability to utilize
                         the total credit available to borrow until the Account review is completed and/or
                         transactions and payments are confirmed to be valid and fully collected.
       We May Charge your You au thorize us to charge this Account for the Cost of any Purchase or Cash
       Account for Purchases Advance you, or anyone to whom you have given permission to use this Account,
       and Cash Advances make using PayPal Credit. You understand that the amount that we actually pay to
                         the Merchant for any Purchase or that PayPal, Inc. pays to any recipient of a Cash
                         Advance may be less than the Cost of the Purchase or Cash Advance, because: (i)
                         the Merchant may agree that we or a third party may retain a portion of the Cost in
                         order to participate in PayPal Credit, or (ii) PayPal, Inc. may charge you fees for
                         facilitating a Send Money transaction, which may be equal to the total of: (1) a
                         percentage of the Cash Advance extended in connection with the Send Money
                         transaction, plus (2) a transa ction fee.
       We May Charge your You authorize us to charge this Account for interest, any fees, costs of collection, and
       Account for Interest and other amounts that you agree to pay in this Agreement.
       Fees
       5. YOUR PERSONAL INFORMATION:
       Purchases         By making a Purchase, you authorize the Merchant to share your personal information
                         (including email address) with us to verify your identity, make a credit decision,
                         complete your transaction, service your Account, and/or for any other lawful purpose.
       Cash Advances     By requesting a Cash Advan ce, you authorize us to share your information with
                         PayPal, Inc. to complete your transaction. You also authorize PayPal, Inc. to share
                         your personal information (including email address) with us to verify your identity,
                         make a credit decision, complete your transaction, service your Account, and/or for
                         any other lawful purpose.
       6. YOUR PROMISES TO US:       6. YOUR PROMISES TO US:
       Promise to Pay    You promise to repay to us all extensions of credit (including any and all Purchases
                         and Cash Advances) you have authorized us to charge to this Account and any
                         accrued interest, fees, collection costs, and other amounts that you agree to pay in
                         this Agreement. We may presume you authorized any Purchase using this Account, if
                         the Purchase is delivered in your name to your address, unless you return the
                         Purchase to the Merchant within a reasonable time.
       Minimum Payment Due You promise to pay at least the Minimum Payment Due on or before the Payment Due
                         Date each Billing Cycle and in accordance with the reasonable requirements set forth
                         on each billing statement.
       Personal Financial You promise to give us personal financial information about you that we may
       Information       reasonably request, from time to time.
       Collection Costs  You promise to pay all costs of collection if we take any action to collect this Account
                         or take any action in a bankruptcy proceeding filed by or against you, including
                         reasonable attorneys' fees and expenses, if permitted by applicable law.
       Your Contact      You promise to promptly notify us if you change your name, mailing address, email
       Information       address, or telephone number. In doing so, you agree that you will not give us false
                         information or signatures, electronic or otherwise, at any time.
       Age and Residency You promise that you are of legal age in the state where you reside and are a resident
                         of the United States when you accept this Agreement and open the Account.
       Merchant Disputes You promise that, if you are dissatisfied with goods or services you purchased from a
                         Merchant, you will try in good faith to resolve the dispute and correct the problem
                         directly with the Merchant. This shall in no way limit or reduce your rights in case of a
                         billing error.
       Use of Account    You promise to use this Account only for personal, family, or household pur poses.
       7. INTEREST RATE AND INTEREST CHARGES:
      You agree to pay interest on the outstanding balance of this Account until paid in full, as applicable. Interest may be
      calculated differently depending on the type of transaction. Interest begins to accrue on the transaction posting date,
      except interest does not accrue on any portion of a Standard Purchase or Cash Advance that you repay during the
      Grace Period, if a Grace Period applies.
       GRACE PERIOD
       Standard Purchases & There is a Grace Period of at least 25 days on new Standard Purchases and Cash
       Cash Advances     Advances. This means we will not charge interest on these transactions if you pay
                         them in full by the Payment Due Date. For example, if:
                          You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash
                          Advance on January 2;
                          We send you a statement on or about January 15 with a Payment Due Date of
                          February 12; and
                          You pay $600.00 (the full amount) by February 12; then
                          You will not be charged any interest on these transactions.
                         You'll lose your Grace Period if you pay anything less than the total of new Standard
                         Purchases and Cash Advances on any statement by the Payment Due Date. If you
                         lose your Grace Period, you'll owe interest on any unpaid balance of a transaction to
                         which the Grace Period previously applied from the first day of the next Billing Cycle
                         and interest on new transactions from the date of posting. For example:
                          You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash
                          Advance on January 2;
                          We send you a statement on or about January 15 with a Payment Due Date of                          You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash
                          Advance on January 2;
                          We send you a statement on or about January 15 with a Payment Due Date of
                          February 12; and
                          You pay $400.00 (only part of the full amount) by February 12; then
                            You will not be charged any interest on the amount you paid ($400.00);
                            You will be charged interest on the remaining amount ($200.00) from the first day
                            of the next Billing Cycle, February 16; and
                            New transactions will not qualify for the Grace Period.
                         To qualify for the Grace Period again, you must pay your Standard Purchases and
                         Cash Advance balances in full.
       Deferred Interest Deferred Interest Purchases do not have a Grace Period. However, you can avoid
       Purchases         paying interest on a Deferred Interest Purchase by paying the balance in full by the
                         Expiration Date. If you do not pay the balance in full by the Expiration Date, you will be
                         charged interest from the transaction posting date.
       Easy Payments     Easy Payments Purchases do not have a Grace Period. However, for Easy Payments
                         + No Interest Purchases, you can avoid paying interest by paying the balance in full by
                         the End Date. If you do not pay the balance in full by the End Date, any remaining
                         balance will begin to accrue interest. Financed Easy Payments Purchases begin to
                         accrue interest on the transaction posting date.
       HOW WE CALCULATE INTEREST
        We calculate interest for each Billing Cycle using the Average Daily Balance (including new Purchases and Cash
        Advances) method. A separate daily balance is calculated for each balance type. These balance types include, for
        example, Standard Purchases, Cash Advances, and different Promotional Purchases.
         How We Get To The We take the starting balance each day for each balance type, add any new
         Average Daily Balance charges and fees, and subtract any payments and credits (treating an y net credit
                          balance as zero). This gives us the daily balance. Then, we add up all the daily
                          balances for the Billing Cycle and divide the total by the number of days in the
                          Billing Cycle. The result is the Average Daily Balance for each balance type.
         How We Get The   We multiply each Average Daily Balance for the Billing Cycle by the number of
         Interest Charge For days in the Billing Cycle. Then we multiply this by the Daily Periodic Rate. We do
         Each Balance Type this for each day in the Billing Cycle. This gives us  the daily interest charges for
                          each of your different balances. "Daily Periodic Rate" is a daily interest rate. The
                          daily periodic rate for a given balance is equal to the APR for that balance divided
                          by 365.
         How We Get The   We will then add up the interest for all the balance types, to get the interest for the
         Interest Charge For Account.
         The Billing Cycle
       MINIMUM INTEREST CHARGE
        We charge a minimum of $2.00 of interest in any Billing Cycle in which you owe interest on Standard Purchases
        and/or Cash Advances.
       RATE OF INTEREST
        We calculate interest on Standard Purchases, Promotional Purchases (except Financed Easy Payments), and
        Cash Advances using the Daily Periodic Rate of 0.05477%. This corresponds to the APR of 19.99%. However, if
        we have disclosed a special promotional rate at the time we made the special offer, we will calculate interest on
        balances subj ect to that special offer using the applicable special promotional rate.       8. FEES:
      You agree to pay the following fees, as applicable.
       Late Payment Fee  We will charge you a Late Fee for each Billing Cycle the Minimum Payment Due is not
                         paid in full by its Payment Due Date. The Late Fee will be the amount of the missed
                         payment, up to: 
                          $27.00 the first time you are late, and
                          $38.00 if your payment is late again within the next six Billing Cycles.
                         However, the Late Fee will not exceed $5.00 if the Minimum Payment Due is less than
                         $27.00.
       Return Check Fee  We will charge you a Return Check Fee of up to $27.00 if a payment on this Account
                         is made with a check, including a draft, order, or other instrument, that is returned by a
                         drawee for "not sufficient funds" or other reasons such as a closed account. The fee
                         will not exceed the Minimum Payment Due immediately prior to the date on which the
                         payment is  returned. We will not charge the fee if we redeposit the check and it is
                         paid.
       9. MINIMUM PAYMENTS DUE:
      The Minimum Payment Due each Billing Cycle will be the sum of the payments due on your Account balances as
      calculated below plus any amounts past due from previous Billing Cycles.
       Standard Purchases and The payment due for Standard Purchases and Cash Advances will be the greatest of:
       Cash Advances
                          $27.00, or $38.00 if you failed to pay at least the Minimum Payment Due by the
                          Payment Due Date in any one or more of the prior six Billing Cycles; or
                          3% of the balances on the Account (excluding any balance on a Deferred Interest
                          Purchase prior to its Expiration Date and Easy Payments Purchase prior to its End
                          Date) on the last day of the Billing Cycle; or
                          1% of the balances on the Account (excluding any balance on a Deferred Interest
                          Purchase prior to its Expiration Date and Easy Payments Purchase prior to its End
                          Date) on the last day of the Billing Cycle plus:
                            Any interest assessed in that Billing Cycle (excluding any accrued interest on a
                            Deferred Interest Purchase billed in that Billing Cycle); and
                            Any Late Fees and Return Check Fees assessed in that Billing Cycle.
                         However, if your unpaid balance of Standard Purchases and/or Cash Advances is less
                         than the amount described above, the payment due will be that unpaid balance.
       No Payments + No  There is no payment due for a No Payments + No Interest if paid in full Purchase prior
       Interest If Paid In Full to its Expiration Date.
       Purchases
       Easy Payments     The payment due for each Easy Payments Purchase will be the Monthly Plan
       Purchases         Payment. To determine the Monthly Plan Payment amount, we divide the Easy
                         Payments Purchase amount by the number of months between the Purchase and the
                         scheduled End Date. The Monthly  Plan Payment due on the scheduled End Date (or
                         sooner if you pay off the balance early) may be more or less than the others, because
                         it will be adjusted as necessary to pay the amount you owe at that time.
       10. PAYMENT APPLICATION AND PREPAYMENT:
      We will use each payment in the amount of the Minimum Payment Due or less, first to pay billed Monthly Plan
      Payments on any Easy Payments Purchases, then billed interest, then billed fees, then the principal balance, and then
      any other amounts due. However, if you have a balance on a Deferred Interest Purchase, during the two Billing Cycles
      immediately preceding its Expiration Date, we may use the payment, after the amount to pay billed Monthly Plan
      Payments on any Easy Payments Purchas es to pay the balance on such Deferred Interest Purchase.
      You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If
      you pay more than the Minimum Payment Due in any Billing Cycle, you still must make the Minimum Payment Due      You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If
      you pay more than the Minimum Payment Due in any Billing Cycle, you still must make the Minimum Payment Due
      the next Billing Cycle. We will use any amount in excess of the Minimum Payment Due to pay the balances with the
      highest interest rate, then the next highest interest rate, and so forth. However, during the two Billing Cycles
      immediately preceding the Expiration Date of any Deferred Interest Purchase, we m ay use payments first to pay the
      balance on such Deferred Interest Purchase(s). We may choose to apply prepayments to the Deferred Interest
      Purchase balances before other balances.
       11. BILLING STATEMENTS AND CREDIT BALANCES:
       Billing Statements We will provide a billing statement for each Billing Cycle if and as required by
                         applicable law. We need not provide a billing statement to you if we deem this Account
                         uncollectible or if delinquency collection proceedings have been started. We may
                         provide electronic billing statements only. You can elect to receive paper statements
                         by calling 1-866-528-3733, writing us at us at PayPal Credit, P.O. Box 5138,
                         Timonium, MD 21094 or logging into www.paypal.com (If you have a PayPa l
                         account).
       Credit Balances   We will refund any credit balance in excess of $1.00 to you as required by law. You
                         authorize us to make the refund electronically or using an electronic transfer, (i) if you
                         made the payment which caused the credit balance electronically, or using an
                         electronic transfer, or (ii) if you typically make payments on this Account
                         electronically. If you maintain an account with PayPal, Inc., you authorize us to refund
                         any credit balance directly to that account.
       Errors            You agree to notify  us of any errors in the billing statement within 60 days from the
                         date it is provided. You agree to examine each billing statement and to notify us,
                         immediately, of any Purchases which were not made or authorized by you.
       12. EVENTS AND EFFECT OF DEFAULT:
       Events of Default You will be in default if you:
                          Fail to make any payment when due;
                          Violate, or are unwilling or unable to perform, any provision of this Agreement;
                          Pass away or become incompetent;
                          Become the subject of bankruptcy or insolvency proceedings;
                          Supply us with any misleading, false, incomplete, or incorrect information or
                          signature, or fail to supply us with any information we deem necessary;
                          Exceed your Credit Line; or
                          Give us a payment returned unpaid by your bank or financial institution for any
                          reason.
       Collection Costs  You agree to pay all costs of collection (including reasonable attorneys' fees and
                         expenses) if we take any action to collect this Account after default, if permitted and to
                         the maximum amount permitted by applicable law.
       Our Rights        If you are in default, we may suspend or close your Account, require you to pay the full
                         amount you owe immediately, or take any other action permitted by law. This may
                         happen without prior notice unless otherwise required by applicable law. If we exercise
                         our rights, this Ag reement will continue to apply to your Account.
       13. OUR RIGHTS AND REMEDIES AND LIMITATION OF
       LIABILITY:
       Amendment of this We may amend this Agreement from time to time, in any respect, and give you written
       Agreement         notice if required by law. An amendment may change something in this Agreement (for
                         example, the rate of interest on any or all transaction types), add something new, or
                         take something out. Amendments will apply to outstanding balances and new
                         Purchases and Cash Advances, except as otherwise indicated in any written notice or       LIABILITY:
       Amendment of this We may amend this Agreement from time to time, in any respect, and give you written
       Agreement         notice if required by law. An amendment may change something in this Agreement (for
                         example, the rate of interest on any or all transaction types), add something new, or
                         take something out. Amendments will apply to outstanding balances and new
                         Purchases and Cash Advances, except as otherwise indicated in any written notice or
                         as otherwise provided by applicable law. This Agreement, except when amended in
                         a ccordance with this Agreement, is the final expression of the Agreement between you
                         and us and may not be contradicted by evidence of any alleged oral agreement.
       Termination       We may terminate your Account or this Agreement at any time for any reason without
                         prior notice, subject to limitations of applicable law. After termination, you will not be
                         able to make new Purchases or Cash Advances but you will still have to pay any
                         remaining balance in full. All other provisions of this Agreement will continue to apply.
       Our Liability     We are not responsible for any Merchant's failure to accept payment using the PayPal
                         Credit Payment System. Our liability is limited to that determined by applicable law
                         and will only include your actual damages.
       Remedies Cumulative Our remedies under this Agreement shall be cumulative and not alternative.
       Delay of Enforcement We can delay enforcing any of our rights under this Agreement without losing them.
                         Any waiver by us of any provision of this Agreement will not be a waiver of the same or
                         any other provision on any other occasion.
       Severability      Except as otherwise provided herein, if any provision of this Agreement is held to be
                         invalid or unenforceable, such determination shall not affect the validity or enforceability
                         of the remaining provisions of this Agreement.
       14. BOOK ENTRY SYSTEM:
      You hereby appoint Bill Me Later, Inc. as your agent in maintaining, and Bill Me Later, Inc. agrees to maintain, a book
      entry system that records the identity of the owner of each Purchase and Cash Advance on the Account. The right to
      the principal of, and stated interest on, each Purchase and Cash Advance on the Account may only be transferred
      through the book entry system maintained by Bill Me Later, Inc. This section does not affect any of your obligations
      under this Agreement. This section does not limit or w aive any of your rights, including but not limited to your Billing
      Rights.
       15. ASSIGNMENT:
      You may not assign, delegate, or otherwise transfer any of your rights, privileges, or obligations under this Agreement.
      Any attempt by you to assign, delegate, or transfer will be void and of no effect. We may assign any and all of our rights
      under this Agreement at any time without your consent. Any person, company, or bank to whom we assign this
      Agreement shall be entitled to all of our rights under this Agreement. None of your rights or obligations  shall be affected
      by such assignment.
       16. CREDIT INVESTIGATION AND REPORTING:
      You authorize us and/or Bill Me Later, Inc. to make or have made any credit, employment, and investigative inquiries we
      deem appropriate related to your application for credit, this Account, and the collection of amounts owed on this deem appropriate related to your application for credit, this Account, and the collection of amounts owed on this
      Account. You agree that we and/or Bill Me Later, Inc. have the right to obtain credit reports on you in connection with
      (1) your application for this Account, (2) any potential Credit Line increase and (3) as we deem reasonably necessary to
      maintain and collect this Account. You authorize us to answer any questions about our experience with you related to
      this Account and to report that experience to credit reporting agencies.
       17. COMMUNICATIONS BETWEEN YOU AND US:
       COMMUNICATIONS    ALL COMMUNICATIONS BY YOU TO US  CONCERNING DISPUTED DEBTS,
       CONCERNING DISPUTED INCLUDING AN INSTRUMENT TENDERED AS FULL SATISFACTION OF THE
       DEBTS             ACCOUNT, MUST BE SENT TO: PayPal Credit, P.O. Box 5018, Timonium, MD
                         21094.
       Notices & Customer Except as provided in "COMMUNICATIONS CONCERNING DISPUTED DEBTS," you
       Service           may send written notices, correspondence, inquiries, and questions concerning your       Notices & Customer Except as provided in "COMMUNICATIONS CONCERNING DISPUTED DEBTS," you
       Service           may send written notices, correspondence, inquiries, and questions concerning your
                         Account to us at PayPal Credit, P.O. Box 5138, Timonium, MD 21094. You may
                         also call our customer service department at 1-866-528-3733.
       Consent to        We and/or Bill Me Later, Inc. may contact you using postal mail, email, and/or
       Communications    telephone. If you provide us and/or Bill Me Later, Inc. your mobile phone number, you
                         agree that we and/or Bill Me  Later, Inc. may contact you at that number using
                         autodialed or prerecorded calls or text messages to: (i) service your Account and other
                         PayPal-branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We
                         and/or Bill Me Later, Inc. will not use autodialed or prerecorded calls or texts to
                         contact you for marketing purposes unless we and/or Bill Me Later, Inc. receive your
                         prior express written consent. We and/or Bill Me Later, Inc. may share your mobile
                         phone number with service providers with whom  we and/or Bill Me Later, Inc. contract
                         to assist us and/or Bill Me Later, Inc. with the activities listed above, but we and/or Bill
                         Me Later, Inc. will not share your mobile phone number with third parties for their own
                         purposes without your consent. You do not have to agree to receive autodialed or
                         prerecorded calls or texts to your mobile phone number in order to use and enjoy your
                         Account or the products and services offered by PayPal. You can decline to receive
                         autodialed or prerecorded calls or texts to your mobile phone number in several ways,
                         including in your PayPal account settings at www.paypal.com if your Account is linked
                         to a PayPal account or by contacting customer service at 1-866-528-3733. However,
                         we and/or Bill Me Later, Inc. may still call you directly using other means if we and/or
                         Bill Me Later, Inc. need to speak with you. Standard telephone minute and text
                         charges may apply.
       Monitoring & Recording We and/or Bill Me Later, Inc. may monitor, tape, or electronically record our telephone
                         calls with you, including any calls with our and/or Bill  Me Later, Inc.'s customer service
                         department, collection department, and any other department.
       Emails            You consent to our/Bill Me Later, Inc. emailing you for any lawful purpose, including
                         marketing. You may withdraw consent to us sending you commercial (marketing)
                         emails by deselecting "PayPal Credit marketing" in the Notifications section of
                         www.paypal.com (if you have a PayPal account) or by " unsubscribing" when we
                         send you an email.
       18. GOVERNING LAW, FORUM:
       Governing Law     This Agreement has been accepted by us in the state of  Utah, and all extensions of
                         credit will be made by us in the state of Utah. Regardless of the state of your
                         residence or the place where the Merchant is located, you agree that the provisions of
                         this Agreement relating to interest, charges, and fees shall be governed by Federal law
                         and construed in accordance with Federal law and, as made applicable by Federal
                         law, the law of the state of Utah. Other terms and provisions shall be governed by and
                         construed in accordance with applicable law of the state of Utah, without regard t o
                         principles of conflicts of law, except to the extent preempted, superseded, or
                         supplemented by Federal law.
                         Additionally, except to the extent preempted, superseded, or supplemented by Federal
                         law and except as otherwise stated in this Agreement, the laws of the State of Utah,
                         without regard to principles of conflict of laws, will govern any claim or dispute that has
                         arisen or may arise between you and us.
       Forum for Disputes Except as otherwise agreed by the parties, in the event that the Agreement to
                         Arbitrate in Section 19 below is found not to apply to you or to a dispute either as a
                         result of your decision to opt-out of the Agreement to Arbitrate or by the arbitrator or a
                         court order, you agree that any claim or dispute you may have against us must be
                         resolved by a court located in Utah. You agree to submit to the personal jurisdiction of
                         the courts located within U tah for the purpose of litigating all such claims or disputes.
       19. AGREEMENT TO ARBITRATE:       19. AGREEMENT TO ARBITRATE:
      IF YOU ARE COVERED BY THE PROTECTIONS OF THE MILITARY LENDING ACT, THIS AGREEMENT TO
      ARBITRATE DOES NOT APPLY TO YOU. 
      Please read this provision carefully. It affects your rights and will impact how legal claims you and we have against each
      other are resolved if you do not opt-out of this Agreement to Arbitrate.
       Opt-Out Procedure IF YOU ARE A NEW PAYPAL CREDIT USER, YOU CAN CHOOSE TO REJECT
                         THIS AGREEMENT TO ARBITRATE ("OPT-OUT") BY MAILING US A WRITTEN OPT-
                         OUT NOTICE ("OPT-OUT NOTICE"). THE OPT-OUT NOTICE MUST BE
                         POSTMARKED NO LATER THAN 30 DAYS AFT ER THE DATE YOU AGREE TO THE
                         TERMS AND CONDITIONS FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT
                         NOTICE TO BILL ME LATER, INC., ATTN: LITIGATION DEPARTMENT, RE: OPT-OUT
                         NOTICE, 2211 NORTH FIRST STREET, SAN JOSE, CA 95131.
                         For your convenience, we are providing an Opt-Out Notice form at
                         https://www.paypal.com/us/webapps/mpp/ua/ppc-optout which you must
                         complete and mail to opt out of the Agreement to Arbitrate. You must complete the
                         Opt-Out Notice form by providing the inf ormation called for in the form, including your
                         name, address, phone number, email address, and Account number of the Account to
                         which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This
                         procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out
                         of the Agreement to Arbitrate, all other parts of the Terms and Conditions will continue
                         to apply. Opting out of this Agreement to Arbitrate has no effect on any previous,
                         other, or future arbitration agreements that you may have with us.
       You and We Agree to If a dispute arises between you and us, our goal is to learn about and address your
       Arbitrate Disputes concerns and, if we are unable to do so to your satisfaction, t o provide you with a
       Between Us        neutral and cost effective means of resolving the dispute quickly. If you have a
                         concern, please contact us first at (866) 528-3733 and we will do our best to resolve
                         your concern to your satisfaction.
                         Unle ss you opt out of the Agreement to Arbitrate, you and we each agree to
                         resolve any Claims (as defined below) in accordance with the provisions set
                         forth in this Agreement to Arbitrate. Pursuant to this Agreement to Arbitrate,
                         any Claims will be r esolved exclusively through final and binding arbitration,
                         rather than in court, except that you may a ssert Claims in small claims court, if
                         your Claims qualify and so long as the matter remains in such court and
                         advances only on an individual (non-cla ss, non-representative) basis. The
                         Terms and Conditions evidence a transaction in interstate commerce, and thus
                         the Federal Arbitration Act, 9 U.S.C. � 1 et seq., governs the interpretation and
                         enforcement of this Agree ment to Arbitrate. The Agreement to Arbitrate shall
                         survive the closing of your Account and/or the termination of the Terms and
                         Conditions.
       Claims Subject to We and you (including users, custodians, and beneficiaries of your Account) agree to
       Arbitration       arbitrate any and all disputes or claims between you and us, including claims involving
                         Bill Me Later, Inc. and its or the Lender's agents, employees, officers, directors,
                         predecessors in interest, and successors and assigns ("Claim(s)" ). This Agreement to
                         Arbitrate is intended to be broadly interpreted. Claims include, but are not limited to:
                          Federal and state statutory claims, common law claims, and those based in
                          contract, tort, fraud, misrepresentation or any other legal theory;
                          Claims or disputes that arose before the effective date of the Terms and Conditions
                          or any prior Terms and Conditions (including, but not limited to, claims relating to
                          advertising, promotions, or disclosures); and
                          Claims or disputes that may arise after the termination of the Terms and Conditions.
       Notice of Dispute A party who intends to seek arbitration must first send to the other, by certified mail, a
                         completed form Notice of Dispute ("Notice"). You may download a form Notice at
                         https://www.paypal.com/us/webapps/mpp/ua/ppc-notice-dispute. Any Notice to       Notice of Dispute A party who intends to seek arbitration must first send to the other, by certified mail, a
                         completed form Notice of Dispute ("Notice"). You may download a form Notice at
                         https://www.paypal.com/us/webapps/mpp/ua/ppc-notice-dispute. Any Notice to
                         the Lender or Bill Me Later, Inc. should be sent to Bill Me Later, Inc., Attn: Litigation
                         Department, Re: Notice of Dispute, 2211 North First Street, San Jose, CA 95131. We
                         will send any Notice to you to the mailing address we have on file associa ted with your
                         Account; it is your responsibility to keep your mailing address up to date. All
                         information called for in the Notice must be provided, including a description of the
                         nature and basis of the Claims the party is asserting and the relief sought. 
                         If you and we are unable to resolve the Claims described in the Notice within 30 days
                         after the Notice is sent, you or we may initiate arbitration proceedings. A form for
                         initiating arbitration proceedings is available on the website of the American Arbi tration
                         Association ("AAA") at www.adr.org. alternative.
       Prohibition of Cla ss and YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE
       Representative Actions OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS
       and Non-Individualized MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR
       Relief            PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE
                         ARBITRATOR(S) MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S
                         OR PARTY'S CLAIMS AND  MAY NOT OTHERWISE PRESIDE OVER ANY FORM
                         OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE
                         ARBITRATOR(S) MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE,
                         AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY
                         SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF
                         NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF
                         AWARDED CANNOT AFFECT OTHER PAYPAL CREDIT USERS.
       Arbitration Procedures Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator
                         or arbitrators instead of a judge or jury, and court review of an arbitration award is very
                         limited. However, the arbitrator(s) can award the same damages and relief on an
                         individual basis that a court can award to an individual. The arbitrator(s) also must
                         follow the terms of these Terms and Conditions as a court would. All issues are for the
                         arbitrator(s) to decide, except that issues relating to arbitrability, the scope or
                         enforceability of this Agreement to Arbitrate, or the interpretation of the subsection
                         above entitled "Prohibition of Class and Representative Actions and Non-individualized
                         Relief," shall be for a court of competent jurisdiction to decide. The arbitration will be
                         conducted by the AAA under its rules and procedures, including the AAA's Consumer
                         Arbitra tion Rules (as applicable), as modified by this Agreement to Arbitrate. The
                         AAA's rules are available at www.adr.org. 
                         The arbitration shall be held in the county in which you reside or at another mutually
                         agreed location. If the value of the relief sought is $10,000 or less, you or we may elect
                         to have the arbitration conducted by telephone or based solely on written submissions,
                         which election shall be binding on you and us subject to the discretion of the
                         arbitrator(s) to require an in-person hearing, if the cir cumstances warrant. Attendance
                         at an in-person hearing may be made by telephone by you and/or us, unless the
                         arbitrator(s) requires otherwise.
                         The arbitrator(s) will decide the substance of all claims in accordance with applicable
                         law, including recognized principles of equity, and will honor all claims of privilege
                         recognized by law. The arbitrator(s) shall not be bound by rulings in prior arbitrations
                         involving different PayPal Credit users, but is/are bound by rulings in prior arbitrations
                         involving the same P ayPal Credit user to the extent required by applicable law. The
                         award of the arbitrator(s) shall be final and binding, and judgment on the award
                         rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
                         Any settlement offer made by you or us shall not be disclosed to the arbitrator.
       Costs of Arbitration Payment of all filing, administration, and arbitrator fees will be governed by the AAA's
                         rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief
                         sought is $10,000 or less, at your request, we will pay all filing, administration, and
                         arbitrator fees associated with the arbitration. Any request for payment of fees by us
                         should be submitted to the AAA in your Demand for Arbitration and we will make       Costs of Arbitration Payment of all filing, administration, and arbitrator fees will be governed by the AAA's
                         rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief
                         sought is $10,000 or less, at your request, we will pay all filing, administration, and
                         arbitrator fees associated with the arbitration. Any request for payment of fees by us
                         should be submitted to the AAA in your Demand for Arbitration and we will make
                         arrangements to pay all necessary fees directly to the AAA. If the value of the  relief
                         sought is more than $10,000 and you are able to demonstrate that the costs of
                         accessing arbitration will be prohibitive as compared to the costs of accessing a court
                         for purposes of pursuing litigation on an individual basis, we will pay as much of the
                         filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent
                         the cost of accessing arbitration from being prohibitive. In the event the arbitrator
                         determines the Claim(s) you assert in the arbitration to be frivolous, you agree  to
                         reimburse us for all fees associated with the arbitration paid by us on your behalf that
                         you otherwise would be obligated to pay under the AAA's rules.
       Severability and Future With the exception of any of the provisions in the subsection of this Agreement to
       Amendments to the Arbitrate titled "Prohibition of Class and Representative Actions and Non-Individualized
       Agreement to Arbitrate Relief," if a court decides that any part of this Agreement to Arbitrate is invalid or
                         unenforceable, the other parts  of this Agreement to Arbitrate shall still apply. If a court
                         decides that any of the provisions in the subsection of this Agreement to Arbitrate
                         titled "Prohibition of Class and Representative Actions and Non-Individualized Relief" is
                         invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null
                         and void. The remainder of the Terms and Conditions will continue to apply. 
                         Notwithstanding any provision in the Terms and Conditions to the contrary, you and we
                         agree that if we make any amendment to this  Agreement to Arbitrate (other than an
                         amendment to any notice address or website link provided in the Agreement to
                         Arbitrate) in the future, that amendment shall not apply to any Claim that was filed in a
                         legal proceeding against us prior to the effective date of the amendment. The
                         amendment shall apply to all other disputes or Claims governed by the Agreement to
                         Arbitrate. We will notify you of amendments to this Agreement to Arbitrate by posting
                         the amended terms on www.paypal.com at least 30 days before the effective date of
                         the amendments and by providing mail notice. If you do not agree to these amended
                         terms, you may close your Account within the 30 day period and you will not be bound
                         by the amended terms.
       20. BILLING RIGHTS NOTICE:
      The following notice is required by Federal law. In this notice, "credit card purchases" means Purchases and Cash
      Advances made with this Account. 
      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: PayPal Credit, P.O. Box 5018, Timonium, MD 21094 or
      call customer  service at 1-866-528-3733. If your PayPal Credit Account is linked to a PayPal Account, you can also
      communicate the error through the Resolution Center on www.paypal.com. If you write to us, in your letter, give us
      the following information:
        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.
      You must contact us:
        Within 60 days after the error appeared on your statement.
        At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount
        you think is wrong.      You must notify us of any potential errors in writing. writing by mail, through the Resolution Center on
      www.paypal.com (if you have a PayPal account), or by calling customer service at 1-866-528-3733. You may email
      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 receivi ng 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.
        The charge in question may remain on your statement, and we may continue to charge you interest 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 line.
      After we finish our investigation, one of two things will happen:
        If we made a mistak e: 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 mistak e: 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.
      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 t he 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 ha ve 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 pu rchase.
      If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: PayPal Credit,
      P.O. Box 5018, Timonium, MD 21094, or call customer service at 1-866-528-3733. If your PayPal Credit Account is
      linked to a PayPal account, you can also communicate through the Resolution Center on www.paypal.com.
      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 thi nk you owe an amount and you do not pay, we may
      report you as delinquent.
                                                                     T CPPC19.990617
      Comenity Capital Bank Privacy Policy for
      the PayPal Credit Payment System                                                                 Rev. September 2015
       FACTS             WHAT DOES COMENITY CAPITAL BANK DO WITH YOUR PERSONAL
                         INFORMATION IN CONNECTION WITH YOUR PAYPAL CREDIT ACCOUNT?
       Why?              Financial companies choose how they share your personal information. Federal law
                         gives consumers the right to limit some but not all sharing. Federal law also requires
                         us to tell you how we collect, share, and protect your personal information. Please
                         read this notice carefully to understand what we do.
       What?             The types of personal information we collect and share depend on the product or
                         service you have with us. This information can include:
                          Social Security number and income
                          Account balance and transaction history
                          Credit history and credit scores
                         When you are no longer our customer, we continue to share your information as
                         described in this notice.
       How?              All financial companies need to share customers' personal information to run their
                         everyday business. In the section below, we list the reasons financial companies can
                         share their customers' personal information; the reasons Comenity Capital Bank
                         chooses to share; and whether you can limit this sharing.
         Reasons we can share your Does Comenity Capital Bank Can you limit this sharing?
         personal information    share?
         For our everyday business Yes                  No
         purposes � such as to
         process your transactions,
         maintain your account(s),
         respond to court orders and
         legal investigations, or report to
         credit bureaus
         For our marketing purposes Yes                 No
         � To offer our products and
         services to you
         For joint marketing with Yes                   No
         other financial companies
         For our affiliates' everyday Yes               No
         busine ss purposes -
         information about your
         transactions and experiences
         For our affiliates' everyday No                No
         busine ss purposes -
         information about your
         creditworthiness         For our affiliates to market No                No
         to you
         For non-affiliated companies No                No
         to market to you
       Questions?        Call: 1-866-528-3733. For operator relay assistance, first dial 711.
       Who we are
       Who is providing this This privacy notice is provided by Comenity Capital Bank and is applicable to all
       notice?           PayPal Credit accounts.
       What we do
       How does Comenity To protect your personal information from unauthorized access and use, we use
       Capital Bank protect my security measures that comply with federal law. These measures include computer
       personal information? safeguards and secured files and buildings.
       How does Comen ity We collect your personal information, for example, when you:
       Capital Bank collect my Open a PayPal Credit account or use your PayPal Credit account
       personal information? Pay your bill or give us your contact information
                          Provide account information
                         We also collect your personal information from others such as credit bureaus,
                         affiliates, and other companies
       Why can't I limit all Federal law gives you the right to limit only:
       sharing?           sharing for affiliates' everyday business purposes � information about your
                          creditworthiness
                          affiliates from using your information to market to you
                          sharing for non-affiliated companies to market to you
                         State laws and individual companies may give you additional rights to limit sharing.
                         See below for more on your rights under state law.
       What happens when I We do not offer joint accounts.
       limit sharing for an
       account I hold jointly
       with someone else?
       Definitions
       Affiliates        Companies related by common ownership or control. They can be financial and
                         nonfinancial companies.
                          Comenity Capital Bank does not share with affiliates. However, our affiliates include
                          companies with the Comenity name, and other nonfinancial companies, such as
                          Epsilon, Alliance Data and LoyaltyOne.
       Non-affiliated    Companies not related by common ownership or control. They can be financial and
       Companies         non-financial companies.
                          Comenity Capital Bank does not share with nonaffiliates so they can mark et to you.
                          Nonaffiliates we share with can include financial service providers � lik e Bill Me
                          Later, Inc. and PayPal, Inc. � retailers, direct mark eters, publishers, and nonprofit
                          organizations.       Joint Marketing   A formal agreement between nonaffiliated financial companies that together market
                         financial products or services to you.
                          Our joint mark eting partners include financial companies � lik e PayPal, Inc. �
                          bank s, or insurers.
       Other Important   We will also comply with more restrictive state laws to the extent that they apply. For
       Information       example, if your billing address is in Vermont or California, we will automatically opt
                         you out of sharing your information with nonaffiliates for marketing purposes.
   Pricing Addendum to the PayPal Credit Terms and Conditions
    Interest Rate and Interest Charges
   Annual Percentage Rate (APR) for Standard 
                                     19.99%
   Purchases
   APR for Cash Advances             19.99%
                                     Your due date is at least 25 days after the close of each billing cycle. We 
   How to Avoid Paying Interest      will not charge any interest on Standard Purchases or Cash Advances if 
                                     you pay your entire balance by the due date each month.
   Minimum Interest Charge           If you are charged interest, the charge will be no less than $2.00.
                                     To learn more about factors to consider when applying for or using a 
   For Credit Card Tips from the Consumer Financial 
                                     credit card, visit the website of the Consumer Financial Protection 
   Protection Bureau
                                     Bureau at http://www.consumerfinance.gov/learnmore.
    Fees
   Annual Fee                        None
                                     Late Payment Fee    Up to $38.00
   Penalty Fees
                                     Return Check Fee    Up to $27.00
   How We Will Calculate Your Balance
   The Lender uses a method called "average daily balance (including new Purchases and Cash Advances)." See the PayPal 
   Credit Terms and Conditions, Section 7, for more details.
   Billing Rights
   Information on your rights to dispute transactions and how to exercise those rights is provided in the PayPal Credit 
   Terms and Conditions.
                                                              � 1999�2017  Privacy Legal Feedback