IMPORTANT NOTICE FOR CUSTOMERS THAT OPENED THEIR ACCOUNT VIA TELEPHONE. 
Please see the enclosed Credit Card Account Agreement for the Terms and Conditions (Terms) 
of  your  new  credit  card  account.  Customers  that  opened  their  accounts  via  telephone  will 
have  up  to  25  days  from  the  date  of  application  to  review  these  Terms  and  either  accept  or 
reject them. You do not have to take any action if you accept these Terms.  
If  you  do  not  want  to  accept  these  Terms,  you  must  contact  the  bank  at  1-855-497-8167 
(TDD/TTY 1-800-695-1788) within the 25 day period. Any purchases that may have posted to 
your  account  will  be  removed  and  your  account  will  be  closed.  You  will  then  be  required  to 
make arrangements with the merchant with an alternate means of paying for any purchases 
you have made or the return of any purchase(s) you have made at no cost to you. 
This  right  to  reject  is  only  applicable  to  those  customers  that  opened  their  accounts  via 
telephone. 

Your Victoria's Secret Credit Card account agreement. 
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. 
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You have a right to reject this Arbitration Provision.
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.
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

Learning more about your account: credit plans, credit limits, and how payments are calculated and applied
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 

25.24%
This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on purchases if you pay your entire balance by the due date 
each month.  
If you are charged interest, the charge will be no less than $1.00 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. 

Fees 

•

Annual Fee

Penalty Fees 
•
•

Late Payment
Returned Payment

None 

Up to $37.00 
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. 

Rate Information: The following chart provides details on your rate as of April 1, 2016. We divide the APR by 365 to determine the daily periodic rate. 

Purchase APR

Add to Index 
21.74%

APR 
25.24%

Daily Periodic Rate 
0.06915%

If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect 
within 30 days of mailing. 

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 amount you must pay each billing period ("Total Minimum Payment") is the total of minimum payments for Regular Revolving and promotional Credit Plan 
purchases plus any Past Due amounts. The Total Minimum Payment won’t be less than $27.00. If your Account balance is less than $27.00, you must pay the 
amount indicated on your billing statement ("Statement") in full. The minimum payment due for each Regular Revolving Credit Plan will be the greater of:  

(a) $5.00; or
(b) 5% of the New Balance shown on your Statement for that Credit Plan (rounded down to the nearest $5.00).

See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.  
The APR information described is accurate as of April 1, 2016.  Due to a change in the index, this information may have changed.   To find out more, call us at 1-
800-695-9478    (TDD/TTY:  1-800-695-1788),  or  write  us  at  Comenity  Bank,  PO  Box  182273,  Columbus,  Ohio  43218-2273  or  visit  our  website  at
vsangelcard.com.
A. Getting Started
Definitions 
In this Agreement, "We," "Us" and "Our" mean Comenity Bank and any successor or assigns. "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 Victoria's Secret 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 


Your Account may be used to make purchases from Victoria's Secret and other retailers we may determine occasionally by notifying you via electronic mail,
statement message, website posting, or other method.

 We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities.
Making payments


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.

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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.

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

Skip-payment option 
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Credit limit
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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 1-800-695-9478  (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 


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.


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
Defer Interest, Equal Payment
o
Defer Interest, Payment Required
o
Defer Interest, Low Payment
o
Low APR, Equal Payment
o
Budget Payment
o

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At our discretion, we may allow you to skip making the Minimum Payment.
Interest 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 purchase 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.

 We may stop offering any Credit Plan at any time, for any reason.
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Minimum Payment

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.

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You can pay all of your Account balance at any time without penalty.
You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement.
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 $27.00. If your Account balance is less than $27.00, you must pay the amount indicated on your Statement
in full.
The minimum payment for each Credit Plan is calculated as follows:
o

The minimum payments for Regular Revolving Credit Plans, Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will
be the greater of:
(a) $5.00; or
(b) 5% (rounded down to the nearest $5.00) of the New Balance shown on your Statement for that Credit Plan.

o

o

o

o

o

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 down to the nearest $5.00) of the New Balance shown on your Statement for that Credit Plan.

For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or $299, based
on the transaction amount.
For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, your
minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans.

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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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.

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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.

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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To calculate a variable rate, for each billing period, we use an Index.  The Index is the U.S. Prime Rate published in the “Money Rates” section of The Wall
Street  Journal  on  the  last  business  day  of  the  calendar  month  preceding  the  month  in  which  the  billing  period  begins.  (Our  business  days  are  Monday
through Friday, excluding holidays.)
Any variable APR will increase on the first day of the billing period after 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.

Other fees and charges 
You agree to pay the following fees and charges: 


The fee is $27.00 if you were not charged a late fee during any of the prior six billing periods.
Otherwise, the fee is $37.00.
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.
o
o
o
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.
o
Otherwise, the fee is $25.00.
o
This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed.
o
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:
o
o
o
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.

Statement copy - $6.00
Sales/Credit Draft copy - $6.00
Check/Money Order copy - $6.00

AL Residents: We will not charge attorneys’ fees if your unpaid balance is $300 or less.
MD Residents: We will not charge you for costs other than attorneys’ fees.
NH Residents: Reasonable attorneys’ fees may be awarded to you if you prevail in any action by or against us.

E. Other important information
Collection costs 
You  agree  to  pay  our  reasonable  costs  for  collecting  amounts  due,  including  reasonable  attorneys’  fees  and  court  costs  incurred  by  us  or  another  person  or 
entity, to the extent not prohibited by applicable law and except as provided below. 
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 WI Residents: If legal action is taken, we may seek statutory attorneys’ fees and costs, which you will pay if they are granted by the court.
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.
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.

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: 
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You must contact us:
 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.
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 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:
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

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.

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

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 Debt Cancellation (as applicable) 







Purchasing Account Assure is optional.
Enrolling in Account Assure does not affect the terms of your existing credit agreement.
The Account Assure fee is based on your monthly statement balance, which is your balance on the last day of each billing period.
You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.
You may cancel Account Assure at any time.
If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure benefits for your present situation; however, you
may be eligible for other benefits based on future events.

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, independent 
contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with you in any way, such as 
calling, texting, or email via: 
1.

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.

Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or service
for which you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (“VOIP”);
Any email address you provide to us or any other person or company that provides any services in connection with this Agreement;
Automated telephone dialing systems;
Pre-recorded or artificial voice messages and any other form of communication.

2.
3.
4.
You  also  agree  that  these  communications  aren’t  unsolicited  for  purposes  of  any  state  or  federal  law  and  you  understand  that  communications  may  result  in
additional mobile, text message, data charges or other charges.
Phone monitoring



Communication in Languages Other Than English
You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or provide 
translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may stop communicating 
with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the accuracy of our translations, we 
are not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies 
between the English version and the translation, the English version will control. 
For Wisconsin residents: 
If you are married, please contact us immediately upon receipt of this Agreement at 1-800-695-9478  (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. 
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).

***CC Agreement CCA ID***

Prime rate plus 21.74%.
This  APR will  vary  with  the  market  based  on the  Prime Rate. 
Your  due date  is at least  25 days  after  the  close  of each  billing  cycle.  We  will  not 
charge  you interest  on purchases  if you pay your  entire  balance  by the  due date  each 
month. 
If  you are charged  interest,  the  charge  will  be no less  than  $1.00  per credit  plan. 

Pricing Addendum 

Interest  Rates  and  Interest  Charges 
Annual  Percentage  Rate 
(APR)  for  Purchases 

How  to  Avoid  Paying 
Interest 

Minimum  Interest  Charge 

Fees 

Penalty  Fees 

Annual  Fee

Late  Payment

 Returned  Payment

Balance Computation 
Method 

None 

Up to $37 

Up to $25 
We use a  method  called "daily  balance."