Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0614-368; PO #0094016768 & 16769; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; 
 C. Arbitration provision 7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- �
  Your Ann Taylor or LOVE LOFT MasterCard  Credit Card account           88709I017 (06/14)
 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  agreement. Minimum Payment: The Minimum Payment Due is the total of minimum pay-
 THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
  This card is issued by Comenity Bank pursuant to a license from  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
 LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
  MasterCard. MasterCard is a registered trademark of MasterCard  Past Due amounts. The total Minimum Payment Due on your account won�t be 
 TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  less than $25.00. If your Account balance is less than $25.00, you must pay the 
  International Incorporated.  This Agreement covers the Terms 
 CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI- amount indicated on your Statement in full. The Minimum Payment Due for each 
 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
  and Conditions of your account with us. In this document, you  Regular Revolving and Cash Revolving Credit Plans will be: 
 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
 prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  will ?nd important information about using and managing your  �	 The greater of:
 (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
 to apply, you may reject it by mailing us a written rejection notice which gives  account, including a Privacy Statement and information con- o  1% of the New Balance, excluding any new Regular Revolving or Cash 
 A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
 the name of each Cardholder and contains a statement that you (both of you, if  Revolving Credit Plan Interest Charges shown on the Statement; or 
  cerning your billing rights. Your use of the account, or failure 
 OR MULTIPLE-PARTY ARBITRATION. 
 more than one) reject the Arbitration Provision of this Agreement. The rejection  o $5.00
  to close the account within the 30 days of receiving this docu-
 notice must be sent to us at Comenity Bank, PO Box 182422, Columbus, Ohio  8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Interest 
 must take place at a location reasonably convenient to you. We will pay any and  ment, indicates your acceptance of the terms of this agreement, 
 43218-2422. A rejection notice is only effective if it is signed by you (all of you,  Charges shown on the Statement rounded up to the nearest $1.00.
 if more than one) and if we receive it within thirty (30) calendar days after the  all fees of the Administrator and/or the arbitrator if applicable law requires us  including the assessment of any interest charges and fees. See Minimum Payment in Section C below for promotional credit plan minimum 
 date we ?rst provide you with a credit card agreement or written notice providing  to, if you prevail in the arbitration or if we must bear such fees in order for this  Section I of this Agreement also includes a Jury Trial Waiver and  payment calculations. 
 Arbitration Provision to be enforced. If you demand an arbitration, we will pay 
 you a right to reject this Arbitration Provision. Your rejection of this Arbitration  The APR information described below is accurate as of June 1, 2014.  Due to 
  an Arbitration Provision in the event of a dispute.
 your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
 Provision will not affect any other provision of this Agreement or your ability to  a change in the index, this information may have changed.   To ?nd out more, 
 fees in order for this Arbitration Provision to be enforced. Also, we will bear any  �	 You have a right to reject this Arbitration Provision. call us at 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  (TDD/TTY: 
 obtain credit.
 fees if applicable law requires us to.     1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, 
 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision (and  �	 If you do not reject this Arbitration Provision, it will be part 
 9. Governing Law:  This Arbitration Provision involves interstate commerce and  Ohio 43218-2273 or visit our website at comenity.net/anntaylorcard (Ann Taylor) 
 not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a) Co- of this Agreement and will:
 is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  or comenity.net/LOFTCard (LOFT).
 menity Bank, any parent, subsidiary or af?liate of the Bank and the employees, 
 not by any state arbitration law. The arbitrator must apply applicable substantive  o  Eliminate your right to a trial by jury; and A. Getting Started
 of?cers and directors of such companies (the �Bank Parties�); and (b) any other 
 law consistent with the FAA and applicable statutes of limitations and claims of  o  Substantially affect your rights, including your right to 
 person or company that provides any services in connection with this Agreement  De?nitions
 privilege recognized at law. The arbitrator may award any remedy provided by the 
 if you assert a Claim against such other person or company at the same time you  bring, join in or participate in class proceedings.
 substantive law that would apply if the action were pending in court (including,  In this Agreement, �We,� �Us� and �Our� mean Comenity Bank. �You� and 
 assert a Claim against any Bank Party. Please read each section carefully and keep this document for 
 without limitation, punitive damages, which shall be governed by the Constitu- �Your� mean each person who submits an application or solicitation for an Ac-
 3. Covered Claims:  �Claim� means any claim, dispute or controversy between  tional standards employed by the courts). At the timely request of either party,  your records. count with us. �Account� means your credit card account with us. �Card� means 
 you and us that in any way arises from or relates to this Agreement, the Account,  the arbitrator must provide a brief written explanation of the basis for the award. each credit card we issue for your Account, as applicable. �Credit Plan� means 
  In the following sections, you will ?nd information on:
 the issuance of any Card, any rewards program, any prior agreement or account.  one or more payment program options Ann Taylor or LOVE LOFT may ask us to 
 10. Right to Discovery:  In addition to the parties� rights to obtain discovery 
 �Claim� includes disputes arising from actions or omissions prior to the date  Financial terms of your account: An at-a-glance summary of the fees and charges  offer from time to time.
 pursuant to the arbitration rules of the Administrator, either party may submit 
 any Card was issued to you, including the advertising related to, application for  associated with your account
 a written request to the arbitrator to expand the scope of discovery normally al- Upholding your Agreement
 or approval of the Account. �Claim� has the broadest possible meaning, and  A.  Getting started: the basics of your account
 lowable under the arbitration rules of the Administrator. The arbitrator shall have  �	 You agree to the terms of this Agreement, and promise to do everything 
 includes initial claims, counterclaims, cross-claims and third-party claims. It 
 discretion to grant or deny that request. B.  Keeping your account in good standing: avoiding default, and what to do if  required of you. If you sign or submit an application or solicitation to obtain 
 includes disputes based upon contract, tort, consumer rights, fraud and other  your card is lost or stolen, as applicable
 11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
 intentional torts, constitution, statute, regulation, ordinance, common law and 
 award may be entered by any court having jurisdiction. The arbitrator�s decision  C.  Learning more about your account: credit plans, and credit limits, and how  bound if you sign a charge slip, or permit someone else to use the credit 
 equity (including any claim for injunctive or declaratory relief). �Claim� does not 
 is ?nal and binding, except for any right of appeal provided by the FAA. However,  payments are calculated and applied provided.
 include disputes about the validity, enforceability, coverage or scope of this Arbi-
 if the amount of the Claim exceeds $50,000 or involves a request for injunctive  D.  Interest, fees and charges: when and how fees and costs are applied to your  �	 You agree that the credit extended under your Account will be used only for 
 tration Provision or any part thereof (including, without limitation, the prohibition 
 or declaratory relief that could foreseeably involve a cost or bene?t to either party  account personal, family or household purposes and not for business or commercial 
 against class proceedings, private attorney general proceedings and/or multiple 
 exceeding $50,000, any party can, within 30 days after the entry of the award  E.  Other important information: legal rights, costs, and how we�ll handle  purpose.
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
 by the arbitrator, appeal the award to a three-arbitrator panel administered by the 
 last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  changes to your account �	 If the Account is a joint Account, you and the joint Account holder will 
 Administrator. The panel shall reconsider anew any aspect of the initial award 
 a court and not an arbitrator to decide. However, any dispute or argument that  F.  Disputes and reporting to consumer reporting agencies: data we provide,  be bound by this Agreement. Each of you will be jointly and individually 
 requested by the appealing party. The decision of the panel shall be by majority 
 concerns the validity or enforceability of the Agreement as a whole is for the  and receive from, consumer reporting agencies, and what to do if you think  responsible for repaying all amounts due.  If more than one person is re-
 vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the 
 arbitrator, not a court, to decide. there is an error on your periodic statement sponsible for this Account, we will only provide billing statements and com-
 panel if an appeal of the arbitrator�s decision has been taken. The costs of such  munications to one of you.
 4. Starting an Arbitration:  Arbitration may be elected by any party with respect  G.  Optional products: how to protect your account from fraud or theft, and 
 an appeal will be borne in accordance with Paragraph C.8. above.
 to any Claim, even if that party has already initiated a lawsuit with respect to a  information on services that can help pay your debt in case of emergencies �	 Any authorized user of your Account will be bound by the terms of this 
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-
 different Claim. Arbitration is started by giving a written demand for arbitration  Agreement. One additional Card may be issued with the individual name of 
  H.  Communicating with us: what happens when you contact us
 ment of all amounts owed under this Agreement, the closing of the Account, any 
 to the other party. We will not demand to arbitrate an individual Claim that you  an authorized user embossed on the Card. If you want to revoke the use of 
 legal proceeding and any bankruptcy to the extent consistent with applicable  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
 bring against us in small claims court or your state�s equivalent court, if any. But  your Account by an authorized user, either write us at the address, or call us 
 bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- a jury trial waiver and Arbitration provision
 if that Claim is transferred, removed or appealed to a different court, we then  at the phone number, shown on your Statement.
 tion Provision, on the one hand, and the applicable arbitration rules or the other  Privacy statement: how we collect, use, share, and protect your personal informa-
 have the right to demand arbitration.      �	 You agree to pay for all transactions made on your Account by an authorized 
 provisions of this Agreement, on the other hand, this Arbitration Provision shall  tion; and the privacy choices you can make
 5. Choosing the Administrator:  �Administrator� means the American Arbitration  user, whether or not such transactions were authorized by you or made for 
 govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. World Financial Network Bank is a Comenity SM company.
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. Financial terms of your account your bene?t.
 13. Severability:  If any portion of this Arbitration Provision, other than the Class  Wilmington, DE
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. Card signature (as applicable)
 Action Waiver, is deemed invalid or unenforceable, the remaining portions shall 
 jamsadr.com; or any other company selected by mutual agreement of the par- Interest Rates and Interest Charges For your own protection, please sign your Card before using it. Keep in mind that 
 nevertheless remain in force. If a determination is made that the Class Action 
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable  your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
 Waiver is unenforceable, only this sentence of the Arbitration Agreement will re-
 to select an Administrator by mutual consent, the Administrator will be selected  Annual  incurred on your Account.
 main in force and the remaining provisions shall be null and void, provided that 
 by a court. The arbitrator will be appointed by the Administrator in accordance  Percentage  24.99%  
 the determination concerning the Class Action Waiver shall be subject to appeal. Using your Account
 with the rules of the Administrator. However, the arbitrator must be a retired or  Rate (APR) for  This APR will vary with the market based 
 former judge or a lawyer with at least 10 years of experience. You get to select the  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  World Financial Network Bank is a �	 Your Account may be used to make purchases from anywhere MasterCard is 
   Purchases  on the Prime Rate.
 Administrator if you give us written notice of your selection with your notice that  Paragraph B above on your own behalf (and not on behalf of any other party);  Comenity SM accepted.
 company.
 you are electing to arbitrate any Claim or within 20 days after we give you notice  (2) we refuse to provide you with the relief you request; and (3) an arbitrator  �	 We reserve the right to not honor transactions related to, including, but not 
 Wilmington, DE APR for Balance  24.99%  
 that we are electing to arbitrate any Claim (or, if you dispute our right to require  subsequently determines that you were entitled to such relief (or greater relief),  limited to, gambling, ATM usage at casinos, and illegal activities.
 arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  Transfers and  This APR will vary with the market based 
                                            �	 You may obtain a loan from us under your Account by using your Card or 
 If you do not select the Administrator on time, we may do it. Notwithstanding  you are entitled). Cash Advances on the Prime Rate. a convenience check as follows: by purchasing goods or services with your 
 any language in this Arbitration Provision to the contrary, no arbitration may be  Card or your Account number; by obtaining a cash advance from a ?nancial 
 administered, without the consent of all parties to the arbitration, by any Admin- Your due date is at least 23 days after 
 Comenity Bank, Wilmington, DE                 institution, by use of an ATM; by using a convenience check; or, by incurring 
 istrator that has in place a formal or informal policy that is inconsistent with the  the close of each billing cycle. We will  charges authorized by this Agreement.
 Class Action Waiver.
 176ALLC083013 not charge you interest on purchases if  �	 From time to time, in our sole discretion, we may send you convenience 
 6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  88709I017 (06/14) Paying Interest you pay your entire balance by the due  checks for use in borrowing under this Agreement. All convenience checks 
 OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  you use will be treated as cash advances under this Agreement, and subject 
              date each month.   We will begin charging 
 PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  to the terms and fees that apply to cash advances, unless we advise you 
              interest on balance transfers and cash  otherwise.
 YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
              advances on the transaction date. �	 You agree that convenience checks that you use will not be returned to you.
 ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
                                            �	 You may not use the convenience checks to make payments on any Co-
 IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  Minimum  If you are charged interest, the charge will 
                                               menity Bank Account.
   Interest Charge be no less than $1.00 per credit plan
                                            �	 You agree not to use a convenience check, and we do not have to pay any 
                                               convenience check:
   For Credit 
              To learn more about factors to consider  o  if you are in default under this Agreement;
   Card Tips from                              o  if payment of that convenience check would cause your outstanding 
              when applying for or using a credit 
   the Consumer                                  cash advance balance to exceed your cash advance limit; or
              card, visit the website of the Consumer 
   Financial                                   o  if we cancel or suspend your right to use convenience checks
              Financial Protection Bureau at http://www.
   Protection                               �	 From time to time, in our sole discretion, we may offer you the ability to 
              consumer?nance.gov/learnmore.    transfer account balances from other credit card accounts you may have 
   Bureau
                                               to the Account. We may, in our sole discretion, offer promotional plans for 
                                               such balance transfers.
   Fees                                     �	 You may use the Card to obtain cash advances through certain ATMs. You 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * will be given a Personal Identi?cation Number (PIN) which must be used in 
 contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information �	 Annual Fee None
 Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 order to obtain an ATM cash advance.
                                               o  Some limitations on ATM cash advances may apply, such as limita-
   Transaction Fees                              tions on dollar amount, number, or currency denominations.
                                               o  You agree that any charges imposed by third parties for use of their 
   �	 Balance Transfer The greater of $10 or 3% of the  ATM facilities will be added to your Account balance as a cash ad-
                                                 vance.
                   amount of the balance transfer. 
                                            �	 If you make a purchase or obtain a cash advance in a foreign currency, 
   �	 Cash Advance The greater of $10 or 3% of the 
                                               it will be converted by MasterCard into U.S. dollars in accordance with 
                   amount of the cash advance. MasterCard Operating Regulations in effect at the time the transaction is 
   �	 Convenience Checks The greater of $10 or 3% of the  processed.
                   amount of the convenience check. o  The currency conversion rate in effect on the processing date may dif-
                                                 fer from the rate in effect on the transaction date or the posting date.
   �	 Foreign Transaction 3% of each transaction in U.S. 
                                               o  The currency conversion rate used may be the same as, greater than, or 
      companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  dollars. less than the amount that would be calculated by conversion through 
                                                 a ?nancial institution in the country in which the purchase or cash 
   Penalty Fees
                                                 advance occurred.
   �	 Late Payment Up to $35.00             Making payments
   �	 Returned Payment Up to $25.00
                                            �	 Pay your Account by sending a check, money order, or cashier�s check pay-
                                               able in U.S. dollars, to the name and address shown on your Statement 
  How We Will Calculate Your Balance: We use a method called  speci?ed for payments. Please don�t send cash.
  �daily balance.� See your Account agreement for more details. �	 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.
  Billing Rights: Information on your rights to dispute 
                                            �	 If your payment doesn�t meet these requirements, it may not be credited to 
  transactions and how to exercise those rights is provided in your  your Account for up to ?ve days, or may be rejected.
  account agreement.                        �	 All written communications concerning disputed amounts, including any 
                                               check or other payment instrument marked with �payment in full� or similar 
  Comenity Bank 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
  (TDD/TTY 1-800-695-1788)                     Antonio, Texas 78247-5004.
  New York Residents: New York Residents may contact the New York state Depart- o  We may accept a payment sent to any other address without losing any 
  ment of Financial Services by telephone or visit its website for free information  of our rights.
  on comparative credit card rates, fees, and grace periods. New York Department  o  No payment shall operate as an accord and satisfaction without our 
  of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. prior written approval.
                                            B. Keeping your account in good standing
  Rate Information: The following chart provides details on your variable rate as of  Avoiding default
  June 1, 2014. We divide the APR by 365 to determine the daily periodic rate.
                                            You�ll be in default under this Agreement if you:
                                            �	 Fail to make any payment when due
               Add to Index APR Daily Periodic Rate �	 Violate any provision of this Agreement
                                            �	 Pass away
   Purchase APR 21.74% 24.99% 0.06846%
                                            �	 Become the subject of bankruptcy or insolvency proceedings
   Balance Transfers and  21.74% 24.99% 0.06846% �	 Supply us with misleading, false, incomplete or incorrect information
   Cash Advances APR                        �	 Are unable or unwilling to perform the terms or conditions of this Agreement
                                            �	 Fail to supply us with any information we deem necessary
  We�ll charge you a minimum interest charge of $1.00 per credit plan for any 
                                            �	 Default under any other loan or agreement you have with us or any of our 
  billing period in which interest is due. For additional information, see Rates in 
                                               af?liates
  Section D.
                                            �	 Become incompetent
                                            �	 Exceed your Credit Limit
                                            �	 Issue a payment returned unpaid by your bank for any reason
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0614-368; PO #0094016768 & 16769; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;  If we consider your Account in default, we may suspend your ability to make  How we calculate Interest Charges on your Account �	 You give us permission to provide information about your Account to con- Comenity Bank
  charges, close your Account, require you to pay the full amount you owe im- We calculate interest separately for each Credit Plan, using a �Daily Balance�  sumer reporting agencies and other creditors, as well as to the retailer  PO Box 182782, Columbus, Ohio 43218-2782
  mediately or take any other action permitted by law. If applicable law requires  to determine interest charges for each billing period. Our calculation method is  whose name appears on your Card. While we investigate, the same rules apply to the disputed amount as discussed 
  us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  as follows: Credit report disputes           above. After we ?nish our investigation, we will tell you our decision. At that 
  your default.                             �	 We start with the beginning balance on your Account each day (including           point, if we think you owe an amount and you do not pay, we may report you as 
                                                                                       If you believe the Account information we reported to a consumer reporting 
  Reporting a lost or stolen card (as applicable) unpaid interest charges and fees).                                             delinquent.
                                                                                       agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 
  If you notice the loss or theft of your credit card or a possible unauthorized use  �	 We subtract any payments or credit adjustments (treating any net credit  182789, Columbus, Ohio 43218-2789.  G. Optional products
  of your card, you should write to us immediately at PO Box 182273, Columbus,  balance as a zero balance) and add new transactions and debit adjustments  Your written dispute must provide suf?cient information to identify the Account  Credit insurance (as applicable)
  Ohio 43218-2273 or call us at 1-888-292-5707 (Ann Taylor) or 1-866-886- posted as of that day. This gives us the �Partial Daily Balance� for the day. and specify why the information is inaccurate: Purchasing credit insurance is optional. If you do choose to carry credit insur-
  1009 (LOFT)  (TDD/TTY: 1-800-695-1788).  You will not be liable for any un-
                                            �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  �	 Account Information:  Your name and Account number ance coverage, the premium charge will be added to your Account as a purchase 
  authorized use that occurs after you notify us.  You may, however, be liable for 
                                               Rate. This gives us the �Daily Interest Charge� for the day, which we add to  �	 Contact Information:  Your address and telephone number on the last day of each billing period.  You can cancel your coverage at any time.
  unauthorized use that occurs before your notice to us.  In any case, your liability 
                                               the day�s Partial Daily Balance.                                                  Account Assure Pro Debt cancellation (as applicable)
  will not exceed $50.                                                                 �	 Disputed Information:  Identify the Account information disputed and ex-
                                            �	 We�ve now determined the �Daily Balance,� which will be the beginning  plain why you believe it is inaccurate
  C. Learning more about your account                                                                                            �	 Purchasing Account Assure Pro is optional.
                                               balance for the following day. This results in daily compounding of interest  �	 Supporting Documentation:  If available, provide a copy of the section of  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
  Credit Plans                                 charges.                                  the credit report showing the Account information you are disputing your application for credit or the terms of any existing credit agreement you 
  �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- �	 At the end of each billing period, we add together each Credit Plan�s Daily  We will investigate the disputed information and report the results to you within  have with us.
    it Plan and one or more promotional Credit Plans. Credit Plans offered and  Interest Charge, which gives us the total interest charge. 30 days of receipt of the information needed for our investigation. If we ?nd that 
                                                                                                                                 �	 The monthly fee for Account Assure Pro is based on the outstanding month-
    their particular features (including but not limited to minimum purchase  �	 Your Statement will show a Balance Subject to Interest Rate, which is the  the Account information we reported is inaccurate, we will promptly provide the 
                                                                                                                                    ly balance on your Account each month and will be added to your State-
    requirements and minimum payment) may vary occasionally at our discre- sum of the Daily Balances for each day in the billing period divided by the  necessary correction to each consumer reporting agency to which we reported 
                                                                                                                                    ment.
    tion and include one or more Regular Revolving or promotional Credit Plans. total number of days. the information.
                                                                                                                                 �	 We�ll provide additional information before you�re required to pay for Ac-
  �	 We may offer different promotional Credit Plans from time to time. Rates          Your Billing Rights: Keep This Document For Future Use
                                                                                                                                    count Assure Pro. This will include a copy of the terms and conditions 
  �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 The Index in effect for each billing period will be the highest �Prime Rate�  This notice tells you about your rights and our responsibilities under the Fair  pertaining to Account Assure Pro.
    this Agreement will include information about the terms for the Plan, by  of interest as published in the �Money Rates� section of The Wall Street  Credit Billing Act.
                                                                                                                                 �	 You can cancel your Account Assure Pro at any time.
    use of an insert, attachment, or other written information provided as part  Journal for the calendar month preceding the month in which the billing pe- What To Do If You Find A Mistake On Your Statement
                                                                                                                                 �	 There are eligibility requirements, conditions, and exclusions that could 
    of this Agreement.                         riod begins, rounded upward if necessary, to the nearest .001% (�Index�).  If you think there is an error on your statement, write to us at: Comenity Bank, 
                                                                                                                                    prevent you from receiving bene?ts under Account Assure Pro.
  �	 Normal late fees, returned payment fees and all other provisions apply to  �	 Any variable APR may increase if the Index increases. PO Box 182782, Columbus, Ohio 43218-2782
                                                                                                                                 �	 Be sure to carefully read the Addendum for a full explanation of the terms 
    any promotional Credit Plan, unless inconsistent with a particular Credit          In your letter, give us the following information:
                                            �	 An increase or decrease in the APR will result in a corresponding increase           of Account Assure Pro.
    Plan offering.
                                               or decrease in the amount of interest and may increase the Total Minimum  �	 Account information: Your name and account number.
  �	 If the promotional Credit Plan purchase isn�t paid in full before the promo-                                                H. Communicating with us
                                               Payment.                                �	 Dollar amount: The dollar amount of the suspected error.
    tional period ends, the balance will be transferred to your Regular Revolving                                                Communicating to you about your Account
                                            Other fees and charges                     �	 Description of problem: If you think there is an error on your bill, describe 
    balance.                                                                             what you believe is wrong and why you believe it is a mistake. If we need to contact you to service your Account or to collect amounts you owe 
                                            You agree to pay the following fees and charges:
  �	 Promotional Credit Plans may include:                                             You must contact us:                      to us, you give direct consent to us, as well as servicers, agents, contractors and 
                                            �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-
    o  Waive Interest, Payment Required  o  Defer Interest, Payment Required                                                     collectors of your Account, to communicate with you in any way, such as calling, 
                                               ment Due Date, we will charge you a late fee. �	 Within 60 days after the error appeared on your statement.
    o  Waive Interest, Equal Payment  o  Defer Interest, Low Payment                                                             texting, or electronic mail via:
                                               o  The fee is $25.00 if you were not charged a late fee during any of the  �	 At least 3 business days before an automated payment is scheduled, if you 
    o  Waive Interest, Low Payment  o  Low APR, Equal Payment                                                                    1)  a cell, landline, or text number you provide, use to contact us, or at which 
                                                 prior six billing periods.              want to stop payment on the amount you think is wrong.
    o  Defer Interest, Equal Payment  o  Budget Payment                                                                              we believe we can reach you (even if it is not yours),
                                               o  Otherwise, the fee is $35.00.        You must notify us of any potential errors in writing. You may call us, but if you  2)  any electronic mail address you provide to us or one of our merchants,
  Skip-payment option                          o  This fee will never exceed the minimum payment due that was due  do we are not required to investigate any potential errors and you may have to  3)  automated dialer systems and automatic telephone dialing systems,
  �	 At our discretion, we may allow you to skip making the Minimum Payment. immediately prior to the date on which the fee was assessed. pay the amount in question. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
  �	 Interest Charges will be assessed during the skip-payment period, but a late  �	 Returned Payment Fee: We may charge you a fee for each payment that your  What Will Happen After We Receive Your Letter tions.
    fee won�t be imposed.  This will not be considered a waiver of any of the  bank doesn�t honor for any reason. When we receive your letter, we must do two things: You also agree that these communications aren�t unsolicited for purposes of any 
    rights granted by this Agreement.          o  The fee is $25.00 if you were not charged a returned payment fee  1.   Within 30 days of receiving your letter, we must tell you that we received  state or federal law, and you understand that this may result in additional mobile, 
  �	 All other terms of your Account apply during the skip-payment period. during any of the prior six billing periods. your letter. We will also tell you if we have already corrected the error. text message, or data charges.
                                               o  This fee will never exceed the minimum payment due that was due  2.   Within 90 days of receiving your letter, we must either correct the error or 
  Credit limit                                                                                                                   Phone monitoring
                                                 immediately prior to the date on which the fee was assessed. explain to you why we believe the bill is correct.
  �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
                                            �	 Although we may decide to do so, we aren�t required to attempt to collect a  While we investigate whether or not there has been an error: �	 To provide you with high-quality service, phone communication with us is 
    any time.                                                                                                                       monitored and/or recorded.  
                                               payment more than once.                 �	 We cannot try to collect the amount in question, or report you as delinquent 
  �	 You may not exceed any Credit Limit that we set for your Account.                                                           �	 You agree that we monitor and/or record any phone calls between you and 
                                            �	 Document Fees: If we provide you with a copy of any Statement, sales draft  on that amount.
  �	 If you do exceed your Credit Limit, we can still charge you for all transac-                                                   us.  
                                               or similar document at your request (except in connection with billing error  �	 The charge in question may remain on your statement, and we may continue 
    tions, interest and other charges without giving up any of our rights under          to charge you interest on that amount.  �	 Please inform all authorized cardholders of this provision, including anyone 
                                               inquiries or resolution), we may charge the Account the following fee(s), 
    this Agreement.                                                                                                                 acting on your behalf or making payments on this Account.
                                               subject to any limitations of applicable law: �	 While you do not have to pay the amount in question, you are responsible 
  �	 We may change your Credit Limit at any time. o  Statement copy - $6.00              for the remainder of your balance.      For Wisconsin residents:
  Account cancellation                         o  Sales/Credit Draft copy - $6.00                                                If you are married, please contact us immediately upon receipt of this Agree-
                                                                                       �	 We can apply any unpaid amount against your credit limit.
                                               o  Check/Money Order copy - $6.00                                                 ment at 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  (TDD/TTY 
  �	 You may cancel your Account. You�re still obligated to pay the full amount        After we ?nish our investigation, one of two things will happen:
                                            �	 Alternative Payment Method Fee: We may offer alternative payment meth-            1-800-695-1788) and provide us with the name and address of your spouse. We 
    you owe us.                                                                        �	 If we made a mistake: You will not have to pay the amount in question or 
                                               ods that allow you to make individual, expedited payments to your Account         are required to inform your spouse that we have opened a credit account for you.
  �	 We may cancel your Account at any time, for any reason.                             any interest or other fees related to that amount.
                                               over the phone.  If you choose to use this payment method, we may assess          For bankruptcy noti?cations:
  �	 We may refuse to authorize any transaction on your Account. We may also           �	 If we do not believe there was a mistake: You will have to pay the amount in 
                                               the current fee we charge for this service, subject to any limitations of ap-     All bankruptcy notices and related correspondence to Comenity Bank should be 
    suspend your Account and your right to use your Card, including each Card            question, along with applicable interest and fees. We will send you a state-
                                               plicable law. Currently, that fee is up to $15.00 but may change. We�ll let       sent to the following address: Comenity Bank, Bankruptcy Department, PO Box 
    you give to others.                                                                  ment of the amount you owe and the date payment is due. We may then 
                                               you know the current fee before you authorize any payment(s), and you can         182125, Columbus, Ohio 43218-2125.
  �	 We may stop offering any Credit Plan at any time, for any reason.                   report you as delinquent if you do not pay the amount we think you owe.
                                               withdraw your request if you don�t want to pay the fee.
                                                                                       If you receive our explanation but still believe your bill is wrong, you must write  I. Arbitration and jury trial waiver
  �	 Cancellation or suspension of your Account doesn�t negate your obligation  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  A. Jury trial waiver
    to pay any amount you owe us.              cial institution or through an ATM, you will pay a transaction fee equal to  report you as delinquent without also reporting that you are questioning your bill. 
  �	 Cancellation of your Account includes each Card you give to others. the greater of $10 or 3% of the amount of the cash advance. You take a  TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
                                                                                       We must tell you the name of anyone to whom we reported you as delinquent, 
  �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto- and we must let those organizations know when the matter has been settled  TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
    your Account.                              mated teller machine (ATM); or get money through a ?nancial institution. between us. TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
  Minimum Payment                           �	 Convenience Check Fee:  For any convenience check written against your  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
                                               Account, you will pay a transaction fee equal to the greater of $10 or 3% of  the amount you question even if your bill is correct.
  �	 You can pay all of your Account balance at any time without                                                                 CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
                                               the amount of the convenience check.    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    penalty.                                                                                                                     IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
                                            �	 Balance Transfer Fee:  For any balance transfer from another account, you  If you are dissatis?ed with the goods or services that you have purchased with 
  �	 You must pay at least the Total Minimum Payment for each billing period by                                                  B. Notice and cure
                                               will pay a transaction fee equal to the greater of $10 or 3% of the amount  your credit card, and you have tried in good faith to correct the problem with the 
    the Payment Due Date shown on your Statement. of the balance transfer.                                                       Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising 
                                                                                       merchant, you may have the right not to pay the remaining amount due on the 
                                                                                                                                 out of or related to this Agreement (as further de?ned below, a �Claim�), the 
  �	 The Minimum Payment is the total of the minimum payments for the Regu- �	 Foreign Transaction Fee: For any charge or cash advance outside the United  purchase.
                                                                                                                                 party asserting the Claim (the �Claimant�) shall give the other party (the �Defen-
    lar Revolving and promotional Credit Plans plus any Past Due amounts. States or in a foreign currency, you will pay a transaction fee equal to 3%  To use this right, all of the following must be true:
                                                                                                                                 dant�) written notice of the Claim (a �Claim Notice�) and a reasonable opportu-
  �	 The Total Minimum Payment won�t be less than $25.00. If your Account  of the U.S. dollar amount of the transaction.  If a charge or cash advance  1. The purchase must have been made in your home state or within 100 miles 
                                                                                                                                 nity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall 
    balance is less than $25.00, you must pay the amount indicated on your  is converted into U.S. dollars our network providers (Visa, MasterCard, and  of your current mailing address, and the purchase price must have been more 
                                                                                                                                 be sent in writing to the address we have in our records (or any updated address 
    Statement in full.                         Discover) will select either (1) a rate from the range of rates available in  than $50. (Note: Neither of these are necessary if your purchase was based on 
                                                                                                                                 you subsequently provide to us).  Any Claim Notice to us shall be sent by mail to 
                                               wholesale currency markets for the applicable central processing date,  an advertisement we mailed to you, or if we own the company that sold you the 
  �	 The minimum payment for each Credit Plan is calculated as follows:                                                          Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any updated 
                                                                                       goods or services.)
    o  The minimum payment for the Waive Interest, Payment Required and  which may vary from the rate the network provider itself receives, or (2) a 
                                                                                                                                 address we subsequently provide).  Any Claim Notice you send must provide your 
                                                                                       2. You must have used your credit card for the purchase. Purchases made with 
       Defer Interest, Payment Required Credit Plans will be the greater of: government-mandated rate in effect for the applicable central processing 
                                                                                                                                 name, address and Account number.  Any Claim Notice must explain the nature 
         (a) $5.00 or                          date.                                   cash advances from an ATM or with a check that accesses your credit card ac-
                                                                                                                                 of the Claim and the relief that is demanded.  You may only submit a Claim No-
         (b) 3.5% (rounded up to the nearest $1.00) of the New Balance  �	 Return Convenience Check Fee: For each convenience check written against  count do not qualify.
                                                                                                                                 tice on your own behalf and not on behalf of any other party.  No third party, other 
         shown on your Statement for that Credit Plan. your Account which fails to clear and is returned unsatis?ed, you will pay a  3. You must not yet have fully paid for the purchase.
                                                                                                                                 than a lawyer you have personally retained, may submit a Claim Notice on your 
                                                                                       If all of the criteria above are met and you are still dissatis?ed with the purchase, 
    o  The minimum payment for the Waive Interest, Equal Payment and  fee of up to $35.                                          behalf.  The Claimant must reasonably cooperate in providing any information 
                                                                                       contact us in writing at:
       Defer Interest, Equal Payment Credit Plans will be the amount of the  �	 Stop Payment Fee: For each convenience check written against your Ac- about the Claim that the other party reasonably requests.
       purchase divided by the number of months between the date of the  count on which you request us to stop payment, you will pay a fee of up to 
       purchase and the promotional period end date (minimum $5.00)  $35, regardless of whether we actually stop payment on the convenience 
                                                                                                              *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
       rounded up to the nearest $1.00.        check.
    o  The minimum payment for the Low APR, Equal Payment Credit Plan  E. Other important information 
       will be the amount of the purchase including the calculated interest 
       charges that will be assessed from the date of purchase through the  Collection costs
       end of the promotional period divided by the number of months be- To the extent not prohibited by applicable law, you agree to pay the reasonable 
       tween the date of the purchase and the promotional period end date  costs for collecting amounts due, including reasonable attorney�s fees and court 
                                                                                        rev.	04/13
       (minimum $5.00) rounded up to the nearest $1.00. costs incurred by us or another person or entity.                        No   No No No  Yes Yes Yes
    o  The minimum payment for the Waive Interest, Low Payment and Defer  Changes
       Interest, Low Payment Credit Plans will be the greater of: We may add, change, or delete the terms of your Account. If required by appli-
         (a) $5.00 or                       cable law, we will give you advance written notice of the change(s) and a right to  Can you limit   this sharing?
         (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  reject the change(s).
         shown on your Statement for that Credit Plan. Security Interest
  Payment application                       You grant us a security interest in all goods you purchase through the use of the 
  �	 We reserve the right to apply payments equal to or less than the Total Mini- Account, now or at any time in the future and in all accessions to and proceeds of 
    mum Payment however we see ?t, which may result in balances subject to  such goods. We waive any security interest we may have in your principal dwell-
    lower interest rates being paid prior to other balances. This may also result  ing, to the extent that it would otherwise secure any obligation arising hereunder.
    in higher interest charges.             Changes to your information                                                          Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
  �	 Any payment you make in excess of the required Total Minimum Payment                                                    share?
                                            You agree to notify us immediately of any changes to your name, mailing address, 
    will be allocated to your Account as required by applicable law. electronic mail address or telephone number(s).
  �	 Excess payments received before a deferred interest promotion expires are  Governing Law                               Does Comenity 
    applied to the deferred interest promotional balance ?rst in the last two  THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL 
    billing periods of the promotional period. LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM 
  D. Interest, fees and charges             PERMITTED OR REQUIRED BY APPLICABLE LAW.
  Interest charges                          Transfer of Rights/Assignment
  �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
    transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal 
    transfer to avoid incurring an Interest Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
    convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time 
    check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent.
    vances, the date of the advance is the date you obtained the advance. No Waiver of Rights
  �	 If you make a purchase under a Regular Revolving Credit Plan, interest  We can delay enforcing our rights under this Agreement without losing them.
    charges won�t be imposed in any billing period in which (i) no Previous Bal- Severability
    ance exists or (ii) payments received and credits issued by the Payment Due  If any provision of this Agreement is in con?ict with applicable law, that provision 
    Date, equal or exceed the Previous Balance. will be considered to be modi?ed to conform with applicable law.
  �	 If the New Balance shown on your last Statement isn�t paid in full by the  Notice to New Jersey Residents
    Payment Due Date shown on your last Statement, there will be an interest 
                                            All provisions of this agreement are valid, enforceable and applicable in New 
    charge on each purchase from the date of purchase.
                                            Jersey.                                                          Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
  �	 If you make a purchase under any Waive Interest Credit Plan, we won�t 
                                            F. Disputes and Reporting to Consumer Reporting Agencies
    charge interest on the purchase if you pay the total purchase amount be-
    fore the end of the promotional period. If you don�t pay the total purchase  Credit Reports WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
                                                                                                                             information
    amount before the end of the promotional period, we�ll add the remaining  �	 You give us permission to investigate your credit record.
    amount to your Regular Revolving balance. We�ll also begin charging inter- �	 You agree that a credit report may be requested in connection with the 
    est on the purchase from the ?rst day after the promotional period ends. processing of your credit application. A report may also be requested in 
  �	 If you make a purchase under any Defer Interest Promotional Credit Plan  connection with a credit extension, credit limit request, Account renewal or 
    and don�t pay the total amount before the end of the promotional period,  update, Account collection action, or dispute investigation. Upon request, 
    we�ll add the remaining purchase amount and the amount of accrued inter- we will tell you the name and address of any consumer reporting agency that 
    est to your Regular Revolving balance.     furnished a report on you. You consent to the obtaining of such reports by   Reasons we can share your personal  
  �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  signing or otherwise submitting an application or solicitation. FACTS Why? What?  How? sharing
    interest will be assessed from the date of purchase through the end of the  �	 You understand that we may report negative information (such as, late pay-
                                                                                                                                                            To limit our 
    promotional period.                        ments, missed payments, or other defaults) about your Account to con-                                                   Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
                                               sumer reporting agencies.                                                       For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                                                                                                            CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0614-368; PO #0094016768 & 16769; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR;  If we consider your Account in default, we may suspend your ability to make  How we calculate Interest Charges on your Account �	 You give us permission to provide information about your Account to con- Comenity Bank
 charges, close your Account, require you to pay the full amount you owe im- We calculate interest separately for each Credit Plan, using a �Daily Balance�  sumer reporting agencies and other creditors, as well as to the retailer  PO Box 182782, Columbus, Ohio 43218-2782
 mediately or take any other action permitted by law. If applicable law requires  to determine interest charges for each billing period. Our calculation method is  whose name appears on your Card. While we investigate, the same rules apply to the disputed amount as discussed 
 us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  as follows: Credit report disputes above. After we ?nish our investigation, we will tell you our decision. At that 
 your default. �	 We start with the beginning balance on your Account each day (including  point, if we think you owe an amount and you do not pay, we may report you as 
  If you believe the Account information we reported to a consumer reporting 
 Reporting a lost or stolen card (as applicable) unpaid interest charges and fees). delinquent.
  agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 
 If you notice the loss or theft of your credit card or a possible unauthorized use  �	 We subtract any payments or credit adjustments (treating any net credit  182789, Columbus, Ohio 43218-2789.  G. Optional products
 of your card, you should write to us immediately at PO Box 182273, Columbus,  balance as a zero balance) and add new transactions and debit adjustments  Your written dispute must provide suf?cient information to identify the Account  Credit insurance (as applicable)
 Ohio 43218-2273 or call us at 1-888-292-5707 (Ann Taylor) or 1-866-886- posted as of that day. This gives us the �Partial Daily Balance� for the day. and specify why the information is inaccurate: Purchasing credit insurance is optional. If you do choose to carry credit insur-
 1009 (LOFT)  (TDD/TTY: 1-800-695-1788).  You will not be liable for any un-
 �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  �	 Account Information:  Your name and Account number ance coverage, the premium charge will be added to your Account as a purchase 
 authorized use that occurs after you notify us.  You may, however, be liable for 
 Rate. This gives us the �Daily Interest Charge� for the day, which we add to  �	 Contact Information:  Your address and telephone number on the last day of each billing period.  You can cancel your coverage at any time.
 unauthorized use that occurs before your notice to us.  In any case, your liability 
 the day�s Partial Daily Balance.            Account Assure Pro Debt cancellation (as applicable)
 will not exceed $50. �	 Disputed Information:  Identify the Account information disputed and ex-
 �	 We�ve now determined the �Daily Balance,� which will be the beginning  plain why you believe it is inaccurate
 C. Learning more about your account         �	 Purchasing Account Assure Pro is optional.
 balance for the following day. This results in daily compounding of interest  �	 Supporting Documentation:  If available, provide a copy of the section of  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
 Credit Plans charges. the credit report showing the Account information you are disputing your application for credit or the terms of any existing credit agreement you 
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- �	 At the end of each billing period, we add together each Credit Plan�s Daily  We will investigate the disputed information and report the results to you within  have with us.
 it Plan and one or more promotional Credit Plans. Credit Plans offered and  Interest Charge, which gives us the total interest charge. 30 days of receipt of the information needed for our investigation. If we ?nd that 
                                             �	 The monthly fee for Account Assure Pro is based on the outstanding month-
 their particular features (including but not limited to minimum purchase  �	 Your Statement will show a Balance Subject to Interest Rate, which is the  the Account information we reported is inaccurate, we will promptly provide the 
                                               ly balance on your Account each month and will be added to your State-
 requirements and minimum payment) may vary occasionally at our discre- sum of the Daily Balances for each day in the billing period divided by the  necessary correction to each consumer reporting agency to which we reported 
                                               ment.
 tion and include one or more Regular Revolving or promotional Credit Plans. total number of days. the information.
                                             �	 We�ll provide additional information before you�re required to pay for Ac-
 �	 We may offer different promotional Credit Plans from time to time. Rates Your Billing Rights: Keep This Document For Future Use
                                               count Assure Pro. This will include a copy of the terms and conditions 
 �	 If a promotional Credit Plan is offered at the time you open your Account,  �	 The Index in effect for each billing period will be the highest �Prime Rate�  This notice tells you about your rights and our responsibilities under the Fair  pertaining to Account Assure Pro.
 this Agreement will include information about the terms for the Plan, by  of interest as published in the �Money Rates� section of The Wall Street  Credit Billing Act.
                                             �	 You can cancel your Account Assure Pro at any time.
 use of an insert, attachment, or other written information provided as part  Journal for the calendar month preceding the month in which the billing pe- What To Do If You Find A Mistake On Your Statement
                                             �	 There are eligibility requirements, conditions, and exclusions that could 
 of this Agreement. riod begins, rounded upward if necessary, to the nearest .001% (�Index�).  If you think there is an error on your statement, write to us at: Comenity Bank, 
                                               prevent you from receiving bene?ts under Account Assure Pro.
 �	 Normal late fees, returned payment fees and all other provisions apply to  �	 Any variable APR may increase if the Index increases. PO Box 182782, Columbus, Ohio 43218-2782
                                             �	 Be sure to carefully read the Addendum for a full explanation of the terms 
 any promotional Credit Plan, unless inconsistent with a particular Credit  In your letter, give us the following information:
 �	 An increase or decrease in the APR will result in a corresponding increase  of Account Assure Pro.
 Plan offering.
 or decrease in the amount of interest and may increase the Total Minimum  �	 Account information: Your name and account number.
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- H. Communicating with us
 Payment. �	 Dollar amount: The dollar amount of the suspected error.
 tional period ends, the balance will be transferred to your Regular Revolving  Communicating to you about your Account
 Other fees and charges �	 Description of problem: If you think there is an error on your bill, describe 
 balance. what you believe is wrong and why you believe it is a mistake. If we need to contact you to service your Account or to collect amounts you owe 
 You agree to pay the following fees and charges:
 �	 Promotional Credit Plans may include: You must contact us: to us, you give direct consent to us, as well as servicers, agents, contractors and 
 �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-
 o  Waive Interest, Payment Required  o  Defer Interest, Payment Required collectors of your Account, to communicate with you in any way, such as calling, 
 ment Due Date, we will charge you a late fee. �	 Within 60 days after the error appeared on your statement.
 o  Waive Interest, Equal Payment  o  Defer Interest, Low Payment texting, or electronic mail via:
 o  The fee is $25.00 if you were not charged a late fee during any of the  �	 At least 3 business days before an automated payment is scheduled, if you 
 o  Waive Interest, Low Payment  o  Low APR, Equal Payment 1)  a cell, landline, or text number you provide, use to contact us, or at which 
 prior six billing periods. want to stop payment on the amount you think is wrong.
 o  Defer Interest, Equal Payment  o  Budget Payment we believe we can reach you (even if it is not yours),
 o  Otherwise, the fee is $35.00. You must notify us of any potential errors in writing. You may call us, but if you  2)  any electronic mail address you provide to us or one of our merchants,
 Skip-payment option o  This fee will never exceed the minimum payment due that was due  do we are not required to investigate any potential errors and you may have to  3)  automated dialer systems and automatic telephone dialing systems,
 �	 At our discretion, we may allow you to skip making the Minimum Payment. immediately prior to the date on which the fee was assessed. pay the amount in question. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
 �	 Interest Charges will be assessed during the skip-payment period, but a late  �	 Returned Payment Fee: We may charge you a fee for each payment that your  What Will Happen After We Receive Your Letter tions.
 fee won�t be imposed.  This will not be considered a waiver of any of the  bank doesn�t honor for any reason. When we receive your letter, we must do two things: You also agree that these communications aren�t unsolicited for purposes of any 
 rights granted by this Agreement. o  The fee is $25.00 if you were not charged a returned payment fee  1.   Within 30 days of receiving your letter, we must tell you that we received  state or federal law, and you understand that this may result in additional mobile, 
 �	 All other terms of your Account apply during the skip-payment period. during any of the prior six billing periods. your letter. We will also tell you if we have already corrected the error. text message, or data charges.
 o  This fee will never exceed the minimum payment due that was due  2.   Within 90 days of receiving your letter, we must either correct the error or 
 Credit limit                                Phone monitoring
 immediately prior to the date on which the fee was assessed. explain to you why we believe the bill is correct.
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
 �	 Although we may decide to do so, we aren�t required to attempt to collect a  While we investigate whether or not there has been an error: �	 To provide you with high-quality service, phone communication with us is 
 any time.                                     monitored and/or recorded.  
 payment more than once. �	 We cannot try to collect the amount in question, or report you as delinquent 
 �	 You may not exceed any Credit Limit that we set for your Account. �	 You agree that we monitor and/or record any phone calls between you and 
 �	 Document Fees: If we provide you with a copy of any Statement, sales draft  on that amount.
 �	 If you do exceed your Credit Limit, we can still charge you for all transac- us.  
 or similar document at your request (except in connection with billing error  �	 The charge in question may remain on your statement, and we may continue 
 tions, interest and other charges without giving up any of our rights under  to charge you interest on that amount. �	 Please inform all authorized cardholders of this provision, including anyone 
 inquiries or resolution), we may charge the Account the following fee(s), 
 this Agreement.                               acting on your behalf or making payments on this Account.
 subject to any limitations of applicable law: �	 While you do not have to pay the amount in question, you are responsible 
 �	 We may change your Credit Limit at any time. o  Statement copy - $6.00 for the remainder of your balance. For Wisconsin residents:
 Account cancellation o  Sales/Credit Draft copy - $6.00 If you are married, please contact us immediately upon receipt of this Agree-
  �	 We can apply any unpaid amount against your credit limit.
 o  Check/Money Order copy - $6.00           ment at 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  (TDD/TTY 
 �	 You may cancel your Account. You�re still obligated to pay the full amount  After we ?nish our investigation, one of two things will happen:
 �	 Alternative Payment Method Fee: We may offer alternative payment meth- 1-800-695-1788) and provide us with the name and address of your spouse. We 
 you owe us. �	 If we made a mistake: You will not have to pay the amount in question or 
 ods that allow you to make individual, expedited payments to your Account  are required to inform your spouse that we have opened a credit account for you.
 �	 We may cancel your Account at any time, for any reason. any interest or other fees related to that amount.
 over the phone.  If you choose to use this payment method, we may assess  For bankruptcy noti?cations:
 �	 We may refuse to authorize any transaction on your Account. We may also  �	 If we do not believe there was a mistake: You will have to pay the amount in 
 the current fee we charge for this service, subject to any limitations of ap- All bankruptcy notices and related correspondence to Comenity Bank should be 
 suspend your Account and your right to use your Card, including each Card  question, along with applicable interest and fees. We will send you a state-
 plicable law. Currently, that fee is up to $15.00 but may change. We�ll let  sent to the following address: Comenity Bank, Bankruptcy Department, PO Box 
 you give to others. ment of the amount you owe and the date payment is due. We may then 
 you know the current fee before you authorize any payment(s), and you can  182125, Columbus, Ohio 43218-2125.
 �	 We may stop offering any Credit Plan at any time, for any reason. report you as delinquent if you do not pay the amount we think you owe.
 withdraw your request if you don�t want to pay the fee.
  If you receive our explanation but still believe your bill is wrong, you must write  I. Arbitration and jury trial waiver
 �	 Cancellation or suspension of your Account doesn�t negate your obligation  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan- to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  A. Jury trial waiver
 to pay any amount you owe us. cial institution or through an ATM, you will pay a transaction fee equal to  report you as delinquent without also reporting that you are questioning your bill. 
 �	 Cancellation of your Account includes each Card you give to others. the greater of $10 or 3% of the amount of the cash advance. You take a  TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
  We must tell you the name of anyone to whom we reported you as delinquent, 
 �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto- and we must let those organizations know when the matter has been settled  TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
 your Account. mated teller machine (ATM); or get money through a ?nancial institution. between us. TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
 Minimum Payment �	 Convenience Check Fee:  For any convenience check written against your  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
 Account, you will pay a transaction fee equal to the greater of $10 or 3% of  the amount you question even if your bill is correct.
 �	 You can pay all of your Account balance at any time without  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
 the amount of the convenience check. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
 penalty.                                    IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
 �	 Balance Transfer Fee:  For any balance transfer from another account, you  If you are dissatis?ed with the goods or services that you have purchased with 
 �	 You must pay at least the Total Minimum Payment for each billing period by  B. Notice and cure
 will pay a transaction fee equal to the greater of $10 or 3% of the amount  your credit card, and you have tried in good faith to correct the problem with the 
 the Payment Due Date shown on your Statement. of the balance transfer. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising 
  merchant, you may have the right not to pay the remaining amount due on the 
                                             out of or related to this Agreement (as further de?ned below, a �Claim�), the 
 �	 The Minimum Payment is the total of the minimum payments for the Regu- �	 Foreign Transaction Fee: For any charge or cash advance outside the United  purchase.
                                             party asserting the Claim (the �Claimant�) shall give the other party (the �Defen-
 lar Revolving and promotional Credit Plans plus any Past Due amounts. States or in a foreign currency, you will pay a transaction fee equal to 3%  To use this right, all of the following must be true:
                                             dant�) written notice of the Claim (a �Claim Notice�) and a reasonable opportu-
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account  of the U.S. dollar amount of the transaction.  If a charge or cash advance  1. The purchase must have been made in your home state or within 100 miles 
                                             nity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall 
 balance is less than $25.00, you must pay the amount indicated on your  is converted into U.S. dollars our network providers (Visa, MasterCard, and  of your current mailing address, and the purchase price must have been more 
                                             be sent in writing to the address we have in our records (or any updated address 
 Statement in full. Discover) will select either (1) a rate from the range of rates available in  than $50. (Note: Neither of these are necessary if your purchase was based on 
                                             you subsequently provide to us).  Any Claim Notice to us shall be sent by mail to 
 wholesale currency markets for the applicable central processing date,  an advertisement we mailed to you, or if we own the company that sold you the 
 �	 The minimum payment for each Credit Plan is calculated as follows: Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any updated 
  goods or services.)
 o  The minimum payment for the Waive Interest, Payment Required and  which may vary from the rate the network provider itself receives, or (2) a 
                                             address we subsequently provide).  Any Claim Notice you send must provide your 
  2. You must have used your credit card for the purchase. Purchases made with 
 Defer Interest, Payment Required Credit Plans will be the greater of: government-mandated rate in effect for the applicable central processing 
                                             name, address and Account number.  Any Claim Notice must explain the nature 
 (a) $5.00 or date. cash advances from an ATM or with a check that accesses your credit card ac-
                                             of the Claim and the relief that is demanded.  You may only submit a Claim No-
 (b) 3.5% (rounded up to the nearest $1.00) of the New Balance  �	 Return Convenience Check Fee: For each convenience check written against  count do not qualify.
                                             tice on your own behalf and not on behalf of any other party.  No third party, other 
 shown on your Statement for that Credit Plan. your Account which fails to clear and is returned unsatis?ed, you will pay a  3. You must not yet have fully paid for the purchase.
                                             than a lawyer you have personally retained, may submit a Claim Notice on your 
  If all of the criteria above are met and you are still dissatis?ed with the purchase, 
 o  The minimum payment for the Waive Interest, Equal Payment and  fee of up to $35.  behalf.  The Claimant must reasonably cooperate in providing any information 
  contact us in writing at:
 Defer Interest, Equal Payment Credit Plans will be the amount of the  �	 Stop Payment Fee: For each convenience check written against your Ac- about the Claim that the other party reasonably requests.
 purchase divided by the number of months between the date of the  count on which you request us to stop payment, you will pay a fee of up to 
 purchase and the promotional period end date (minimum $5.00)  $35, regardless of whether we actually stop payment on the convenience 
                          *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 rounded up to the nearest $1.00. check.
 o  The minimum payment for the Low APR, Equal Payment Credit Plan  E. Other important information 
 will be the amount of the purchase including the calculated interest 
 charges that will be assessed from the date of purchase through the  Collection costs
 end of the promotional period divided by the number of months be- To the extent not prohibited by applicable law, you agree to pay the reasonable 
 tween the date of the purchase and the promotional period end date  costs for collecting amounts due, including reasonable attorney�s fees and court 
    rev.	04/13
 (minimum $5.00) rounded up to the nearest $1.00. costs incurred by us or another person or entity. No No No No Yes Yes Yes
 o  The minimum payment for the Waive Interest, Low Payment and Defer  Changes
 Interest, Low Payment Credit Plans will be the greater of: We may add, change, or delete the terms of your Account. If required by appli-
 (a) $5.00 or cable law, we will give you advance written notice of the change(s) and a right to  Can you limit   this sharing?
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  reject the change(s).
 shown on your Statement for that Credit Plan. Security Interest
 Payment application You grant us a security interest in all goods you purchase through the use of the 
 �	 We reserve the right to apply payments equal to or less than the Total Mini- Account, now or at any time in the future and in all accessions to and proceeds of 
 mum Payment however we see ?t, which may result in balances subject to  such goods. We waive any security interest we may have in your principal dwell-
 lower interest rates being paid prior to other balances. This may also result  ing, to the extent that it would otherwise secure any obligation arising hereunder.
 in higher interest charges. Changes to your information Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 �	 Any payment you make in excess of the required Total Minimum Payment  share?
 You agree to notify us immediately of any changes to your name, mailing address, 
 will be allocated to your Account as required by applicable law. electronic mail address or telephone number(s).
 �	 Excess payments received before a deferred interest promotion expires are  Governing Law Does Comenity 
 applied to the deferred interest promotional balance ?rst in the last two  THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL 
 billing periods of the promotional period. LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM 
 D. Interest, fees and charges PERMITTED OR REQUIRED BY APPLICABLE LAW.
 Interest charges Transfer of Rights/Assignment
 �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
 transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal 
 transfer to avoid incurring an Interest Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
 convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time 
 check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent.
 vances, the date of the advance is the date you obtained the advance. No Waiver of Rights
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest  We can delay enforcing our rights under this Agreement without losing them.
 charges won�t be imposed in any billing period in which (i) no Previous Bal- Severability
 ance exists or (ii) payments received and credits issued by the Payment Due  If any provision of this Agreement is in con?ict with applicable law, that provision 
 Date, equal or exceed the Previous Balance. will be considered to be modi?ed to conform with applicable law.
 �	 If the New Balance shown on your last Statement isn�t paid in full by the  Notice to New Jersey Residents
 Payment Due Date shown on your last Statement, there will be an interest 
 All provisions of this agreement are valid, enforceable and applicable in New 
 charge on each purchase from the date of purchase.
 Jersey.                Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
 �	 If you make a purchase under any Waive Interest Credit Plan, we won�t 
 F. Disputes and Reporting to Consumer Reporting Agencies
 charge interest on the purchase if you pay the total purchase amount be-
 fore the end of the promotional period. If you don�t pay the total purchase  Credit Reports WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
                                         information
 amount before the end of the promotional period, we�ll add the remaining  �	 You give us permission to investigate your credit record.
 amount to your Regular Revolving balance. We�ll also begin charging inter- �	 You agree that a credit report may be requested in connection with the 
 est on the purchase from the ?rst day after the promotional period ends. processing of your credit application. A report may also be requested in 
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan  connection with a credit extension, credit limit request, Account renewal or 
 and don�t pay the total amount before the end of the promotional period,  update, Account collection action, or dispute investigation. Upon request, 
 we�ll add the remaining purchase amount and the amount of accrued inter- we will tell you the name and address of any consumer reporting agency that 
 est to your Regular Revolving balance. furnished a report on you. You consent to the obtaining of such reports by  Reasons we can share your personal  
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  signing or otherwise submitting an application or solicitation. FACTS Why? What?  How? sharing
 interest will be assessed from the date of purchase through the end of the  �	 You understand that we may report negative information (such as, late pay-
                                                                       To limit our 
 promotional period. ments, missed payments, or other defaults) about your Account to con- Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
 sumer reporting agencies.                 For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                       CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Fonts used: Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP#0614-368; PO #0094016768 & 16769; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; 
  C. Arbitration provision                  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- �
                                                                                      Your Ann Taylor or LOVE LOFT MasterCard  Credit Card account           88709I017 (06/14)
  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  agreement. Minimum Payment: The Minimum Payment Due is the total of minimum pay-
  THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
                                                                                      This card is issued by Comenity Bank pursuant to a license from  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
                                                                                      MasterCard. MasterCard is a registered trademark of MasterCard  Past Due amounts. The total Minimum Payment Due on your account won�t be 
  TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  less than $25.00. If your Account balance is less than $25.00, you must pay the 
                                                                                      International Incorporated.  This Agreement covers the Terms 
                                            CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-                      amount indicated on your Statement in full. The Minimum Payment Due for each 
  YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
                                                                                      and Conditions of your account with us. In this document, you  Regular Revolving and Cash Revolving Credit Plans will be: 
  1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any  DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
  prior arbitration agreement between you and us (�Prior Arbitration Agreement�))     will ?nd important information about using and managing your  �	 The greater of:
                                            (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
  to apply, you may reject it by mailing us a written rejection notice which gives    account, including a Privacy Statement and information con- o  1% of the New Balance, excluding any new Regular Revolving or Cash 
                                            A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
  the name of each Cardholder and contains a statement that you (both of you, if                                                     Revolving Credit Plan Interest Charges shown on the Statement; or 
                                                                                      cerning your billing rights. Your use of the account, or failure 
                                            OR MULTIPLE-PARTY ARBITRATION. 
  more than one) reject the Arbitration Provision of this Agreement. The rejection                                                 o $5.00
                                                                                      to close the account within the 30 days of receiving this docu-
  notice must be sent to us at Comenity Bank, PO Box 182422, Columbus, Ohio  8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Interest 
                                            must take place at a location reasonably convenient to you. We will pay any and  ment, indicates your acceptance of the terms of this agreement, 
  43218-2422. A rejection notice is only effective if it is signed by you (all of you,                                             Charges shown on the Statement rounded up to the nearest $1.00.
  if more than one) and if we receive it within thirty (30) calendar days after the  all fees of the Administrator and/or the arbitrator if applicable law requires us  including the assessment of any interest charges and fees. See Minimum Payment in Section C below for promotional credit plan minimum 
  date we ?rst provide you with a credit card agreement or written notice providing  to, if you prevail in the arbitration or if we must bear such fees in order for this  Section I of this Agreement also includes a Jury Trial Waiver and  payment calculations. 
                                            Arbitration Provision to be enforced. If you demand an arbitration, we will pay 
  you a right to reject this Arbitration Provision. Your rejection of this Arbitration                                          The APR information described below is accurate as of June 1, 2014.  Due to 
                                                                                      an Arbitration Provision in the event of a dispute.
                                            your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
  Provision will not affect any other provision of this Agreement or your ability to                                            a change in the index, this information may have changed.   To ?nd out more, 
                                            fees in order for this Arbitration Provision to be enforced. Also, we will bear any  �	 You have a right to reject this Arbitration Provision. call us at 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  (TDD/TTY: 
  obtain credit.
                                            fees if applicable law requires us to.                                              1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, 
  2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision (and  �	 If you do not reject this Arbitration Provision, it will be part 
                                            9. Governing Law:  This Arbitration Provision involves interstate commerce and      Ohio 43218-2273 or visit our website at comenity.net/anntaylorcard (Ann Taylor) 
  not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a) Co-          of this Agreement and will:
                                            is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and       or comenity.net/LOFTCard (LOFT).
  menity Bank, any parent, subsidiary or af?liate of the Bank and the employees, 
                                            not by any state arbitration law. The arbitrator must apply applicable substantive  o  Eliminate your right to a trial by jury; and A. Getting Started
  of?cers and directors of such companies (the �Bank Parties�); and (b) any other 
                                            law consistent with the FAA and applicable statutes of limitations and claims of  o  Substantially affect your rights, including your right to 
  person or company that provides any services in connection with this Agreement                                                De?nitions
                                            privilege recognized at law. The arbitrator may award any remedy provided by the 
  if you assert a Claim against such other person or company at the same time you          bring, join in or participate in class proceedings.
                                            substantive law that would apply if the action were pending in court (including,    In this Agreement, �We,� �Us� and �Our� mean Comenity Bank. �You� and 
  assert a Claim against any Bank Party.                                              Please read each section carefully and keep this document for 
                                            without limitation, punitive damages, which shall be governed by the Constitu-      �Your� mean each person who submits an application or solicitation for an Ac-
  3. Covered Claims:  �Claim� means any claim, dispute or controversy between  tional standards employed by the courts). At the timely request of either party,  your records. count with us. �Account� means your credit card account with us. �Card� means 
  you and us that in any way arises from or relates to this Agreement, the Account,  the arbitrator must provide a brief written explanation of the basis for the award. each credit card we issue for your Account, as applicable. �Credit Plan� means 
                                                                                      In the following sections, you will ?nd information on:
  the issuance of any Card, any rewards program, any prior agreement or account.                                                one or more payment program options Ann Taylor or LOVE LOFT may ask us to 
                                            10. Right to Discovery:  In addition to the parties� rights to obtain discovery 
  �Claim� includes disputes arising from actions or omissions prior to the date       Financial terms of your account: An at-a-glance summary of the fees and charges  offer from time to time.
                                            pursuant to the arbitration rules of the Administrator, either party may submit 
  any Card was issued to you, including the advertising related to, application for   associated with your account
                                            a written request to the arbitrator to expand the scope of discovery normally al-   Upholding your Agreement
  or approval of the Account. �Claim� has the broadest possible meaning, and          A.  Getting started: the basics of your account
                                            lowable under the arbitration rules of the Administrator. The arbitrator shall have  �	 You agree to the terms of this Agreement, and promise to do everything 
  includes initial claims, counterclaims, cross-claims and third-party claims. It 
                                            discretion to grant or deny that request. B.  Keeping your account in good standing: avoiding default, and what to do if  required of you. If you sign or submit an application or solicitation to obtain 
  includes disputes based upon contract, tort, consumer rights, fraud and other          your card is lost or stolen, as applicable
                                            11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s            credit from us, you�ll be legally bound by this Agreement. You�re also legally 
  intentional torts, constitution, statute, regulation, ordinance, common law and 
                                            award may be entered by any court having jurisdiction. The arbitrator�s decision  C.  Learning more about your account: credit plans, and credit limits, and how  bound if you sign a charge slip, or permit someone else to use the credit 
  equity (including any claim for injunctive or declaratory relief). �Claim� does not 
                                            is ?nal and binding, except for any right of appeal provided by the FAA. However,  payments are calculated and applied provided.
  include disputes about the validity, enforceability, coverage or scope of this Arbi-
                                            if the amount of the Claim exceeds $50,000 or involves a request for injunctive  D.  Interest, fees and charges: when and how fees and costs are applied to your  �	 You agree that the credit extended under your Account will be used only for 
  tration Provision or any part thereof (including, without limitation, the prohibition 
                                            or declaratory relief that could foreseeably involve a cost or bene?t to either party  account personal, family or household purposes and not for business or commercial 
  against class proceedings, private attorney general proceedings and/or multiple 
                                            exceeding $50,000, any party can, within 30 days after the entry of the award  E.  Other important information: legal rights, costs, and how we�ll handle  purpose.
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
                                            by the arbitrator, appeal the award to a three-arbitrator panel administered by the 
  last sentence of Paragraph C.13 and/or this sentence); all such disputes are for       changes to your account                �	 If the Account is a joint Account, you and the joint Account holder will 
                                            Administrator. The panel shall reconsider anew any aspect of the initial award 
  a court and not an arbitrator to decide. However, any dispute or argument that      F.  Disputes and reporting to consumer reporting agencies: data we provide,  be bound by this Agreement. Each of you will be jointly and individually 
                                            requested by the appealing party. The decision of the panel shall be by majority 
  concerns the validity or enforceability of the Agreement as a whole is for the         and receive from, consumer reporting agencies, and what to do if you think  responsible for repaying all amounts due.  If more than one person is re-
                                            vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the 
  arbitrator, not a court, to decide.                                                    there is an error on your periodic statement sponsible for this Account, we will only provide billing statements and com-
                                            panel if an appeal of the arbitrator�s decision has been taken. The costs of such      munications to one of you.
  4. Starting an Arbitration:  Arbitration may be elected by any party with respect   G.  Optional products: how to protect your account from fraud or theft, and 
                                            an appeal will be borne in accordance with Paragraph C.8. above.
  to any Claim, even if that party has already initiated a lawsuit with respect to a     information on services that can help pay your debt in case of emergencies �	 Any authorized user of your Account will be bound by the terms of this 
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-
  different Claim. Arbitration is started by giving a written demand for arbitration                                               Agreement. One additional Card may be issued with the individual name of 
                                                                                      H.  Communicating with us: what happens when you contact us
                                            ment of all amounts owed under this Agreement, the closing of the Account, any 
  to the other party. We will not demand to arbitrate an individual Claim that you                                                 an authorized user embossed on the Card. If you want to revoke the use of 
                                            legal proceeding and any bankruptcy to the extent consistent with applicable  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
  bring against us in small claims court or your state�s equivalent court, if any. But                                             your Account by an authorized user, either write us at the address, or call us 
                                            bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- a jury trial waiver and Arbitration provision
  if that Claim is transferred, removed or appealed to a different court, we then                                                  at the phone number, shown on your Statement.
                                            tion Provision, on the one hand, and the applicable arbitration rules or the other  Privacy statement: how we collect, use, share, and protect your personal informa-
  have the right to demand arbitration.                                                                                         �	 You agree to pay for all transactions made on your Account by an authorized 
                                            provisions of this Agreement, on the other hand, this Arbitration Provision shall  tion; and the privacy choices you can make
  5. Choosing the Administrator:  �Administrator� means the American Arbitration                                                   user, whether or not such transactions were authorized by you or made for 
                                            govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. World Financial Network Bank is a Comenity SM company.
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www.            Financial terms of your account              your bene?t.
                                            13. Severability:  If any portion of this Arbitration Provision, other than the Class  Wilmington, DE
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.                                                        Card signature (as applicable)
                                            Action Waiver, is deemed invalid or unenforceable, the remaining portions shall 
  jamsadr.com; or any other company selected by mutual agreement of the par-           Interest Rates and Interest Charges      For your own protection, please sign your Card before using it. Keep in mind that 
                                            nevertheless remain in force. If a determination is made that the Class Action 
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable                                                your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
                                            Waiver is unenforceable, only this sentence of the Arbitration Agreement will re-
  to select an Administrator by mutual consent, the Administrator will be selected     Annual                                   incurred on your Account.
                                            main in force and the remaining provisions shall be null and void, provided that 
  by a court. The arbitrator will be appointed by the Administrator in accordance      Percentage  24.99%  
                                            the determination concerning the Class Action Waiver shall be subject to appeal.    Using your Account
  with the rules of the Administrator. However, the arbitrator must be a retired or    Rate (APR) for  This APR will vary with the market based 
  former judge or a lawyer with at least 10 years of experience. You get to select the  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  World Financial Network Bank is a �	 Your Account may be used to make purchases from anywhere MasterCard is 
                                                                                       Purchases  on the Prime Rate.
  Administrator if you give us written notice of your selection with your notice that  Paragraph B above on your own behalf (and not on behalf of any other party);  Comenity SM accepted.
                                                            company.
  you are electing to arbitrate any Claim or within 20 days after we give you notice  (2) we refuse to provide you with the relief you request; and (3) an arbitrator  �	 We reserve the right to not honor transactions related to, including, but not 
                                                       Wilmington, DE                  APR for Balance  24.99%  
  that we are electing to arbitrate any Claim (or, if you dispute our right to require  subsequently determines that you were entitled to such relief (or greater relief),  limited to, gambling, ATM usage at casinos, and illegal activities.
  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  Transfers and  This APR will vary with the market based 
                                                                                                                                �	 You may obtain a loan from us under your Account by using your Card or 
  If you do not select the Administrator on time, we may do it. Notwithstanding  you are entitled). Cash Advances on the Prime Rate. a convenience check as follows: by purchasing goods or services with your 
  any language in this Arbitration Provision to the contrary, no arbitration may be                                                Card or your Account number; by obtaining a cash advance from a ?nancial 
  administered, without the consent of all parties to the arbitration, by any Admin-              Your due date is at least 23 days after 
                                                       Comenity Bank, Wilmington, DE                                               institution, by use of an ATM; by using a convenience check; or, by incurring 
  istrator that has in place a formal or informal policy that is inconsistent with the            the close of each billing cycle. We will  charges authorized by this Agreement.
  Class Action Waiver.
                                                                          176ALLC083013           not charge you interest on purchases if  �	 From time to time, in our sole discretion, we may send you convenience 
  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  88709I017 (06/14) Paying Interest you pay your entire balance by the due  checks for use in borrowing under this Agreement. All convenience checks 
  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO                                                                 you use will be treated as cash advances under this Agreement, and subject 
                                                                                                  date each month.   We will begin charging 
  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,                                                                to the terms and fees that apply to cash advances, unless we advise you 
                                                                                                  interest on balance transfers and cash  otherwise.
  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
                                                                                                  advances on the transaction date. �	 You agree that convenience checks that you use will not be returned to you.
  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
                                                                                                                                �	 You may not use the convenience checks to make payments on any Co-
  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.                       Minimum    If you are charged interest, the charge will 
                                                                                                                                   menity Bank Account.
                                                                                       Interest Charge be no less than $1.00 per credit plan
                                                                                                                                �	 You agree not to use a convenience check, and we do not have to pay any 
                                                                                                                                   convenience check:
                                                                                       For Credit 
                                                                                                  To learn more about factors to consider  o  if you are in default under this Agreement;
                                                                                       Card Tips from                              o  if payment of that convenience check would cause your outstanding 
                                                                                                  when applying for or using a credit 
                                                                                       the Consumer                                  cash advance balance to exceed your cash advance limit; or
                                                                                                  card, visit the website of the Consumer 
                                                                                       Financial                                   o  if we cancel or suspend your right to use convenience checks
                                                                                                  Financial Protection Bureau at http://www.
                                                                                       Protection                               �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                                  consumer?nance.gov/learnmore.    transfer account balances from other credit card accounts you may have 
                                                                                       Bureau
                                                                                                                                   to the Account. We may, in our sole discretion, offer promotional plans for 
                                                                                                                                   such balance transfers.
                                                                                       Fees                                     �	 You may use the Card to obtain cash advances through certain ATMs. You 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * will be given a Personal Identi?cation Number (PIN) which must be used in 
  contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information �	 Annual Fee None
                   Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 order to obtain an ATM cash advance.
                                                                                                                                   o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                       Transaction Fees                              tions on dollar amount, number, or currency denominations.
                                                                                                                                   o  You agree that any charges imposed by third parties for use of their 
                                                                                       �	 Balance Transfer The greater of $10 or 3% of the  ATM facilities will be added to your Account balance as a cash ad-
                                                                                                                                     vance.
                                                                                                       amount of the balance transfer. 
                                                                                                                                �	 If you make a purchase or obtain a cash advance in a foreign currency, 
                                                                                       �	 Cash Advance The greater of $10 or 3% of the 
                                                                                                                                   it will be converted by MasterCard into U.S. dollars in accordance with 
                                                                                                       amount of the cash advance. MasterCard Operating Regulations in effect at the time the transaction is 
                                                                                       �	 Convenience Checks The greater of $10 or 3% of the  processed.
                                                                                                       amount of the convenience check. o  The currency conversion rate in effect on the processing date may dif-
                                                                                                                                     fer from the rate in effect on the transaction date or the posting date.
                                                                                       �	 Foreign Transaction 3% of each transaction in U.S. 
                                                                                                                                   o  The currency conversion rate used may be the same as, greater than, or 
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  dollars. less than the amount that would be calculated by conversion through 
                                                                                                                                     a ?nancial institution in the country in which the purchase or cash 
                                                                                       Penalty Fees
                                                                                                                                     advance occurred.
                                                                                       �	 Late Payment Up to $35.00             Making payments
                                                                                       �	 Returned Payment Up to $25.00
                                                                                                                                �	 Pay your Account by sending a check, money order, or cashier�s check pay-
                                                                                                                                   able in U.S. dollars, to the name and address shown on your Statement 
                                                                                      How We Will Calculate Your Balance: We use a method called  speci?ed for payments. Please don�t send cash.
                                                                                      �daily balance.� See your Account agreement for more details. �	 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.
                                                                                      Billing Rights: Information on your rights to dispute 
                                                                                                                                �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                      transactions and how to exercise those rights is provided in your  your Account for up to ?ve days, or may be rejected.
                                                                                      account agreement.                        �	 All written communications concerning disputed amounts, including any 
                                                                                                                                   check or other payment instrument marked with �payment in full� or similar 
                                                                                      Comenity Bank 1-888-292-5707 (Ann Taylor) or 1-866-886-1009 (LOFT)  language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                                                                      (TDD/TTY 1-800-695-1788)                     Antonio, Texas 78247-5004.
                                                                                      New York Residents: New York Residents may contact the New York state Depart- o  We may accept a payment sent to any other address without losing any 
                                                                                      ment of Financial Services by telephone or visit its website for free information  of our rights.
                                                                                      on comparative credit card rates, fees, and grace periods. New York Department  o  No payment shall operate as an accord and satisfaction without our 
                                                                                      of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. prior written approval.
                                                                                                                                B. Keeping your account in good standing
                                                                                      Rate Information: The following chart provides details on your variable rate as of  Avoiding default
                                                                                      June 1, 2014. We divide the APR by 365 to determine the daily periodic rate.
                                                                                                                                You�ll be in default under this Agreement if you:
                                                                                                                                �	 Fail to make any payment when due
                                                                                                   Add to Index APR Daily Periodic Rate �	 Violate any provision of this Agreement
                                                                                                                                �	 Pass away
                                                                                       Purchase APR 21.74% 24.99% 0.06846%
                                                                                                                                �	 Become the subject of bankruptcy or insolvency proceedings
                                                                                       Balance Transfers and  21.74% 24.99% 0.06846% �	 Supply us with misleading, false, incomplete or incorrect information
                                                                                       Cash Advances APR                        �	 Are unable or unwilling to perform the terms or conditions of this Agreement
                                                                                                                                �	 Fail to supply us with any information we deem necessary
                                                                                      We�ll charge you a minimum interest charge of $1.00 per credit plan for any 
                                                                                                                                �	 Default under any other loan or agreement you have with us or any of our 
                                                                                      billing period in which interest is due. For additional information, see Rates in 
                                                                                                                                   af?liates
                                                                                      Section D.
                                                                                                                                �	 Become incompetent
                                                                                                                                �	 Exceed your Credit Limit
                                                                                                                                �	 Issue a payment returned unpaid by your bank for any reason
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 21.74% 
      (APR) for Purchase 
                          This APR will vary with the market based on the Prime Rate. 
                             
      APR for Balance Transfers  Prime rate plus 21.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $10 or 3% of the amount of the cash advance. 
      �  Convenience Check  The greater of $10 or 3% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $25 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method