51905I008 (11/18) 
                      �
           Your Forever 21 Visa  Credit Card account agreement. 
           This card is issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of 
           Visa U.S.A. Inc. This Agreement covers the Terms and Conditions of your account with us. In this document, you will find 
           important  information  about  using  and  managing  your  account,  including  a  Privacy  Statement  and  information 
           concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this 
           document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges 
           and fees. 
           Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. 
           �  You have a right to reject this Arbitration Provision. 
           �  If you do not reject this Arbitration Provision, it will be part of this Agreement and will: 
             o  Eliminate your right to a trial by jury; and 
             o  Substantially affect your rights, including your right to bring, join in or participate in class proceedings. 
           �  Section I does not apply to Covered Borrowers under the Military Lending Act. See Section J below. 
           Please read each section carefully and keep this document for your records. 
           In the following sections, you will find information on: 
           Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
           A.  Getting started: the basics of your account 
           B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable 
           C.  Learning more about your account: credit plans, credit limits, and how payments are calculated and applied 
           D.  Interest, fees and charges: when and how fees and costs are applied to your account 
           E.  Other important information: legal rights, costs, and how we�ll handle changes to your account 
           F.  Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you 
             think there is an error on your periodic statement 
           G.  Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of 
             emergencies 
           H.  Communicating with us: what happens when you contact us 
           I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including a jury trial waiver and Arbitration provision 
           J.  Important Information for Covered Borrowers under the Military Lending Act 
           Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 
           Financial terms of your account 
           Interest Rates and Interest Charges 
           Annual Percentage Rate (APR) for  26.99%  
           Purchases 
                                   This APR will vary with the market based on the Prime Rate. 
                                 28.99%  
           APR for Balance Transfers and Cash 
                                   This APR will vary with the market based on the Prime Rate. 
           Advances 
                                  
                                 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 
           Paying Interest 
                                 due date each month.  We will begin charging interest on balance transfers 
                                 and cash advances on the transaction date. 
           Minimum Interest Charge  If you are charged interest, the charge will be no less than $2 per credit plan 
           For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit 
           Consumer Financial Protection  card, visit the website of the Consumer Financial Protection Bureau at 
           Bureau                http://www.consumerfinance.gov/learnmore. 
            
            
            
            
            
            
            
            
            
           Fees 
           �  Annual Fee        None 
           Transaction Fees      
           �  Balance Transfer  The greater of $10 or 5% of the amount of the balance transfer.  
           �  Cash Advance      The greater of $10 or 5% of the amount of the cash advance. 
           �  Convenience Check  The greater of $10 or 5% of the amount of the convenience check. 
           �  Foreign Transaction  3% of each transaction in U.S. dollars. 
           Penalty Fees          
           �  Late Payment      Up to $38 
           �  Returned Payment  Up to $38 
           How We Will Calculate Your Balance: We use a method called �daily balance.� See your Account agreement for more 
           details. 
           Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
           Account agreement.  
           Comenity Capital Bank 1-866-412-5563 (TDD/TTY 1-888-819-1918) 
           New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone 
           or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department 
           of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. 
           Rate Information: The following chart provides details on your variable rate as of November 1, 2018. We divide the APR by 365 to determine the daily 
           periodic rate. 
                                      Add to Index  APR       Daily Periodic Rate 
            
           Purchases                  21.74%      26.99%      0.07394% 
           Balance Transfers and Cash Advances  23.74%  28.99%  0.07942% 
            
           If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information 
           in effect within 30 days of mailing.  
           We�ll charge you a minimum interest charge of $2 per Credit Plan for any billing period in which interest is due. For additional information, see Rates 
           in Section D. 
           Minimum Payment: The Total Minimum Payment is the total of minimum payments for Regular Revolving, Cash Revolving and promotional Credit 
           Plans plus any Past Due amount. The Total Minimum Payment on your Account won�t be less than $30. If your Account balance is less than $30, you 
           must pay the amount indicated on your statement in full. The minimum payment due for each Regular Revolving and Cash Revolving Credit Plan will 
           be:  
           �  The greater of: 
             o  1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan interest charges shown on your statement; or  
             o  $5 
           �  Plus any new Regular Revolving or Cash Revolving Credit Plan interest charges shown on your statement rounded up to the nearest $1. 
           See Minimum Payment in Section C below for promotional Credit Plan minimum payment calculations.  
           The APR information is accurate as of November 1, 2018. Due to a change in the Index, this information may have changed.  To find out more, call us 
           at 1-866-412-5563 (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003. 
           A. Getting Started 
           Definitions 
           In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank and any successor or assign. �You� and �Your� mean each person who submits 
           an application or solicitation for an Account with us. �Account� means your credit card account with us. �Card� means each credit card we issue for 
           your Account, as applicable. �Credit Plan� means one or more payment program options Forever 21 Retail, Inc. may ask us to of fer from time to time. 
           Upholding your Agreement 
           �  You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to 
             obtain credit from us, you�ll be legally bound by this Agreement. You�re also legally bound if you sign a charge slip, or permit someone else to 
             use the credit provided. 
           �  You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or 
             commercial purposes. 
           �  If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually 
             responsible for repaying all amounts due. If more than one person is responsible for this Account, we will only provide billing statements and 
             communications to one of you. 
           �  One additional Card may be issued with the individual name of an authorized user embossed on the Card. If you want to revoke the use of your 
             Account by an authorized user, either write us at the address, or call us at the phone number, shown on your statement. 
           �  You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or 
             made for your benefit. 
           Card signature (as applicable) 
           For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn�t a prerequisite to your obligation to 
           pay amounts incurred on your Account. 
           Using your Account 
           �  Your Account may be used to make purchases from anywhere Visa is accepted. 
           �  We reserve the right to not honor transactions related to, including, but not limited to, gambling, automated teller machine (ATM) usage at 
             casinos, and illegal activities. 
           �  You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing goods or services with 
             your Card or your Account number; by obtaining a cash advance from a financial institution, by use of an ATM; by using a convenience check; or, 
             by incurring charges authorized by this Agreement. 
           �  From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All convenience 
             checks you use will be treated as cash advances under this Agreement, and subject to the terms and fees that apply to cash advances, unless we 
             advise you otherwise. 
           �  You agree that convenience checks that you use will not be returned to you. 
           �  You may not use the convenience checks to make payments on any account you have with us or our affiliates. 
           �  You agree not to use a convenience check, and we do not have to pay any convenience check: 
             o  if you are in default under this Agreement; 
             o  if payment of that convenience check would cause your outstanding cash advance balance to exceed any credit limit; or 
             o  if we cancel or suspend your right to use convenience checks 
           �  From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card accounts you may have 
             to the Account. We may, in our sole discretion, offer promotional plans for such balance transfers. 
           �  You may use the Card to obtain cash advances through certain ATMs. You will need to call us at 1-866-412-5563 (TDD/TTY 1-888-819-1918) to 
             request a Personal Identification Number (PIN) which must be used in order to obtain an ATM cash advance. 
             o  Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency denominations. 
             o  You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as a cash advance. 
           �  You may use your Account for �Quasi-Cash� transactions which are the purchase of items that are convertible to cash or using the Account for 
             similar cash-like transactions, such as the purchase of money orders, traveler�s checks, Visa TravelMoney Cards, or to initiate wire transfers or 
             gaming transactions (if permitted by us). Quasi-Cash transactions are cash advances and will be subject to a Cash Advance Fee as explained 
             below. 
           �  If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by Visa into U.S. dollars in accordance with Visa 
             Operating Regulations in effect at the time the transaction is processed. 
             o  The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. 
             o  The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by conversion 
                through a financial institution in the country in which the purchase or cash advance occurred. 
           Making payments 
           �  You promise to pay at least the Total Minimum Payment on or before the Payment Due Date each billing period. 
           �  See the back of your statement for details about payment options, requirements, restrictions and crediting. 
           �  All written communications concerning disputed amounts, including any check or other payment instrument marked with �payment in full� or 
             similar language, must be sent to 6550 North Loop 1604 East, Suite 101, San Antonio, Texas 78247-5004. 
             o  We may accept a payment sent to any other address without losing any of our rights. 
             o  No payment shall operate as an accord and satisfaction without our prior written approval. 
           B. Keeping your Account in good standing 
           Avoiding default 
           You�ll be in default under this Agreement if you: 
           �  Fail to make any payment when due 
           �  Violate any provision of this Agreement 
           �  Pass away 
           �  Become the subject of bankruptcy or insolvency proceedings 
           �  Supply us with misleading, false, incomplete or incorrect information 
           �  Are unable or unwilling to perform the terms or conditions of this Agreement 
           �  Fail to supply us with any information we deem necessary 
           �  Default under any other loan or agreement you have with us or any of our affiliates 
           �  Become incompetent 
           �  Exceed your Credit Limit 
           �  Issue a payment returned unpaid by your bank for any reason 
           If we consider your Account in default, we may suspend your ability to make charges, close your Account, require you to pay t he full amount you owe 
           immediately or take any other action permitted by law. If applicable law requires us to do so, we�ll tell you in advance and/or give you the opportunity 
           to remedy your default. 
           Reporting a lost or stolen card (as applicable) 
           If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should write to us immediately at PO Box 183003, Columbus, 
           Ohio 43218-3003 or call us at 1-866-412-5563 (TDD/TTY: 1-888-819-1918). You will not be liable for any unauthorized use that occurs after you notify 
           us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. 
           C. Learning more about your Account 
           Credit Plans 
           �  Your Account may consist of a non-promotional Credit Plan for purchases (�Regular Revolving�), non-promotional Credit Plan for cash advances 
             and balance transfers (�Cash Revolving�) and one or more promotional Credit Plans. Credit Plans offered and their particular features (including 
             but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include one or more 
             Regular Revolving, Cash Revolving or promotional Credit Plans. 
           �  We may offer different promotional Credit Plans from time to time. 
           �  We may stop offering any Credit Plan at any time, for any reason. 
           �  If a promotional Credit Plan is offered at the time you open your Account, this Agreement may include information about the terms for the Plan, 
             by use of an insert, attachment, or other written information provided as part of this Agreement. 
           �  Normal late fees, returned payment fees and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular Credit 
             Plan offering. 
           �  If the promotional Credit Plan purchase isn�t paid in full before the promotional period ends, the balance may be transferred to your Regular 
             Revolving or Cash Revolving balance, as applicable. 
           �  Promotional Credit Plans may include: 
             o  Waive Interest, Payment Required  o  Defer Interest, Payment Required 
             o  Waive Interest, Equal Payment  o  Defer Interest, Low Payment 
             o  Waive Interest, Low Payment  o  Low APR, Equal Payment 
             o  Defer Interest, Equal Payment  o  Budget Payment 
           Skip-payment option 
           �  At our discretion, we may allow you to skip making the Total Minimum Payment. 
           �  Interest charges will be assessed during the skip-payment period, but a late fee won�t be imposed. This will not be considered a waiver of any of 
             the rights granted by this Agreement. 
           �  All other terms of your Account apply during the skip-payment period. 
           Credit limit 
           �  Your Credit Limit is the total maximum amount we permit you to owe us at any time. 
           �  You may not exceed any Credit Limit that we set for your Account. 
           �  If you do exceed your Credit Limit, we can still charge you for all transactions, interest and other charges without giving up any of our rights under 
             this Agreement. 
           �  We may change your Credit Limit at any time. 
           Account cancellation 
           �  You may cancel your Account. You�re still obligated to pay the full amount you owe us. 
           �  We may cancel your Account at any time, for any reason. 
           �  We may refuse to authorize any transaction on your Account. We may also suspend your Account and your right to use your Card, including each 
             Card you give to others. 
           �  Cancellation or suspension of your Account doesn�t negate your obligation to pay any amount you owe us. 
           �  Cancellation of your Account includes each Card you give to others. 
           �  Cards are issued with an expiration date. We have the right not to renew your Account. 
           Minimum Payment 
           �  You can pay all of your Account balance at any time without penalty. 
           �  You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your statement. 
           �  The Total Minimum Payment is the total of the minimum payments for the Regular Revolving, Cash Revolving and promotional Credit Plans plus 
             any Past Due amount. 
           �  The Total Minimum Payment won�t be less than $30. If your Account balance is less than $30, you must pay the amount indicated on your 
             statement in full. 
           �  The minimum payment for each promotional Credit Plan is calculated as follows: 
             o  The minimum payment for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be the greater of: 
                  (a) $5 or 
                  (b) 1% (rounded up to the nearest $1) of the New Balance shown on your statement for that Credit Plan. 
             o  The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the 
                purchase divided by the number of months between the date of the purchase and the promotional period end date (minimum $5) rounded 
                up to the nearest $1. 
             o  The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest 
                charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months 
                between the date of the purchase and the promotional period end date (minimum $5) rounded up to the nearest $1. 
             o  The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of: 
                  (a) $5 or 
                  (b) 1% (rounded up to the nearest $1) of the New Balance shown on your statement for that Credit Plan. 
             o  For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or 
                $299, based on the transaction amount. 
             o  For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, 
                your minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans. 
           Payment application 
           �  We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result i n balances 
             subject to lower interest rates being paid prior to other balances. This may also result in higher interest charges. 
           �  Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law. 
           �  Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last 
             two billing periods of the promotional period. 
           D. Interest, fees and charges 
           Interest charges 
           �  Interest charges begin on a transaction, fee or interest from the day added to the daily balance and continue until the balance is paid in full. 
           �  There is a Grace Period on Regular Revolving Credit Plan purchases. This means we will not charge interest on such purchases if you pay in full 
             each billing period. 
           �  We will not charge interest on any portion of a payment allocated to the Regular Revolving Credit Plan that is paid within an applicable Grace 
             Period. 
           �  There is no period during which you can pay back a cash advance, any other transaction treated as a cash advance under this Agreement or a 
             balance transfer to avoid incurring an interest charge. 
           �  If you make a purchase under any Waive Interest Credit Plan, we won�t charge interest on the purchase if you pay the total purchase amount 
             before the end of the promotional period. If you don�t pay the total purchase amount before the end of the promotional period, we�ll add the 
             remaining amount to your Regular Revolving balance. We�ll also begin charging interest on the purchase from the first day after the promotional 
             period ends. 
           �  If you make a purchase under any Defer Interest Promotional Credit Plan and don�t pay the total amount before the end of the promotional 
             period, we�ll add the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance. 
           �  If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase throug h the end of the 
             promotional period. 
           How we calculate Interest Charges on your Account 
           We calculate interest separately for each Credit Plan, using a �Daily Balance� to determine interest charges for each billing period. Our calculation 
           method is as follows: 
           �  We start with the beginning balance on your Account each day (including unpaid interest charges and fees). 
           �  We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions a nd debit 
             adjustments posted as of that day. This gives us the �Partial Daily Balance� for the day. 
           �  We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the �Daily Interest Charge� for the day, which we 
             add to the day�s Partial Daily Balance. 
           �  We�ve now determined the �Daily Balance,� which will be the beginning balance for the following day. This results in daily compounding of 
             interest charges. 
           �  At the end of each billing period, we add together each Credit Plan�s Daily Interest Charge and make other adjustments, which gives us the total 
             interest charge. 
           �  Your statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by 
             the total number of days. 
           Rates 
           �  To calculate a variable rate, for each billing period, we use an Index. The Index is the U.S. Prime Rate published in the �Money Rates� section of 
             The Wall Street Journal on the last business day of the calendar month preceding the month in which the billing period begins. (Our business 
             days are Monday through Friday, excluding holidays.)  
           �  Any variable APR will increase on the first day of the billing period after the Index increases. 
           �  An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of interest and may increase the Total 
             Minimum Payment. 
           Other fees and charges 
           You agree to pay the following fees and charges: 
           �  Late Fee: If you don�t pay at least the Total Minimum Payment by the Payment Due Date, we will charge you a late fee. 
             o  The fee is $27 if you were not charged a late fee during any of the prior six billing periods. 
             o  Otherwise, the fee is $38. 
             o  This fee will not exceed the amount permitted by applicable law. 
           �  Returned Payment Fee: We may charge you a fee for each payment that your bank doesn�t honor for any reason. 
             o  The fee is $27 if you were not charged a returned payment fee during any of the prior six billing periods. 
             o  Otherwise, the fee is $38. 
             o  This fee will not exceed the amount permitted by applicable law. 
           �  Although we may decide to do so, we aren�t required to attempt to collect a payment more than once. 
           �  Document Fees: If we provide you with a copy of any statement, sales draft or similar document at your request (except in connection with 
             billing error inquiries or resolution), we may charge the Account the following fee(s), subject to any limitations of applicable law: 
             o  Statement copy - $6 
             o  Sales/Credit Draft copy - $6 
             o  Check/Money Order copy - $6 
           �  Alternative Payment Method Fee: We may offer alternative payment methods that allow you to make individual, expedited payments to your 
             Account over the phone. If you choose to use this payment method, we may assess the current fee we charge for this service, s ubject to any 
             limitations of applicable law. Currently, that fee is up to $15 but may change. We�ll let you know the current fee before you authorize any 
             payment(s), and you can withdraw your request if you don�t want to pay the fee. 
           �  Cash Advance Fee: For any cash advance other than a convenience check or balance transfer, you will pay a transaction fee equal to the greater 
             of $10 or 5% of the amount of the cash advance. You take a cash advance if you use a convenience check; get money through an ATM; get money 
             through a financial institution; or obtain Quasi-Cash. 
           �  Convenience Check Fee: For any convenience check written against your Account, you will pay a transaction fee equal to the greater of $10 or 
             5% of the amount of the convenience check. 
           �  Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of $10 or 5% of the 
             amount of the balance transfer. 
           �  Foreign Transaction Fee: For any charge or cash advance outside the United States or in a foreign currency, you will pay a transaction fee equal 
             to 3% of the U.S. dollar amount of the transaction. If a charge or cash advance is converted into U.S. dollars our network providers (Visa, 
             Mastercard, and Discover) will select either (1) a rate from the range of rates available in wholesale currency markets for t he applicable central 
             processing date, which may vary from the rate the network provider itself receives, or (2) a government-mandated rate in effect for the applicable 
             central processing date. 
           �  Return Convenience Check Fee: For each convenience check written against your Account which fails to clear and is returned unsatisfied, you 
             will pay a fee of up to $35.  
           �  Stop Payment Fee: For each convenience check written against your Account on which you request us to stop payment, you will pay a fee of up 
             to $35, regardless of whether we actually stop payment on the convenience check. 
           E. Other important information  
           Collection costs 
           You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys� fees and court costs incurred by us or another 
           person or entity, to the extent not prohibited by applicable law and except as provided below. 
           �  AL Residents: We will not charge attorneys� fees if your unpaid balance is $300 or less. 
           �  NH Residents: Reasonable attorneys� fees may be awarded to you if you prevail in any action by or against us. 
           �  WI Residents: If legal action is taken, we may seek statutory attorneys� fees and costs, which you will pay if they are granted by the cour t. 
           Changes 
           We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and 
           a right to reject the change(s). 
           Security Interest 
           You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and 
           proceeds of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would ot herwise secure any 
           obligation arising hereunder. 
           Changes to your information 
           You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s). 
           Governing Law 
           THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM 
           PERMITTED OR REQUIRED BY APPLICABLE LAW. 
           Transfer of Rights/Assignment 
           Your rights under this Agreement can�t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate 
           or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another 
           person or entity at any time without prior notice to you or your consent. 
           No Waiver of Rights 
           We can delay enforcing our rights under this Agreement without losing them. 
           Severability 
           If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. 
           Notice to New Jersey Residents 
           All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
           F. Disputes and Reporting to Consumer Reporting Agencies 
           Credit Reports 
           �  You give us permission to investigate your credit record. 
           �  You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in 
             connection with a credit extension, Credit Limit request, Account renewal or update, Account collection action, or dispute investigation. Upon 
             request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining 
             of such reports by signing or otherwise submitting an application or solicitation. 
           �  You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to 
             consumer reporting agencies. 
           �  You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer 
             whose name appears on your Card. 
           Credit report disputes 
           If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Capital 
           Bank, PO Box 182120, Columbus, Ohio 43218-2120.  
           Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate: 
           �  Account Information: Your name and Account number 
           �  Contact Information: Your address and telephone number 
           �  Disputed Information: Identify the Account information disputed and explain why you believe it is inaccurate 
           �  Supporting Documentation: If available, provide a copy of the section of the credit report showing the Account information you are disputing 
           We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If 
           we find that the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency 
           to which we reported the information. 
           Your Billing Rights: Keep This Document For Future Use 
           This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
           What To Do If You Find A Mistake On Your Statement 
           If you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 43218-2620 
           In your letter, give us the following information: 
           �  Account information: Your name and account number. 
           �  Dollar amount: The dollar amount of the suspected error. 
           �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
           You must contact us: 
           �  Within 60 days after the error appeared on your statement. 
           �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
           You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may 
           have to pay the amount in question. 
           What Will Happen After We Receive Your Letter 
           When we receive your letter, we must do two things: 
           1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
           2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correc t. 
           While we investigate whether or not there has been an error: 
           �  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
           �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
           �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
           �  We can apply any unpaid amount against your credit limit. 
           After we finish our investigation, one of two things will happen: 
           �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
           �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you 
             a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think 
             you owe. 
           If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
           we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of an yone to whom we 
           reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 
           If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
           Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
           If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
           with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
           To use this right, all of the following must be true: 
           1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been 
           more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
           that sold you the goods or services.) 
           2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit 
           card account do not qualify. 
           3. You must not yet have fully paid for the purchase. 
           If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
           Comenity Capital Bank 
           PO Box 182620, Columbus, Ohio 43218-2620 
           While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. 
           At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
           G. Optional products 
           Credit insurance (as applicable) 
           Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a 
           purchase on the last day of each billing period. You can cancel your coverage at any time. 
           Account Assure Pro Debt Cancellation (as applicable) 
           �  Purchasing Account Assure Pro is optional. 
           �  Enrolling in Account Assure Pro does not affect the terms of your existing credit agreement. 
           �  The Account Assure Pro fee is based on your monthly statement balance, which is your balance on the last day of each billing period. 
           �  You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.  
           �  You may cancel Account Assure Pro at any time. 
           �  If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure Pro benefits for your present situation; 
             however, you may be eligible for other benefits based on future events. 
           H. Communicating with us 
           Communicating to you about your Account 
           If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, 
           independent contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with 
           you in any way, such as calling, texting, or email via: 
           1.  Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or 
              service for which you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (�VOIP�); 
           2.  Any email address you provide to us or any other person or company that provides any services in connection with this Agreement;  
           3.  Automated telephone dialing systems; 
           4.  Pre-recorded or artificial voice messages and any other form of communication.  
           You also agree that these communications aren�t unsolicited for purposes of any state or federal law and you understand that communications may 
           result                                                           in  
           additional mobile, text message, data charges or other charges. 
           Phone monitoring 
           �  To provide you with high-quality service, phone communication with us is monitored and/or recorded.  
           �  You agree that we monitor and/or record any phone calls between you and us.  
           �  Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 
           Communication in Languages Other Than English 
           You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or 
           provide translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may 
           stop communicating with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the 
           accuracy of our translations, we are not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or 
           dialect. In the event of any inconsistencies between the English version and the translation, the English version will control. 
           For Wisconsin residents: 
           If you are married, please contact us immediately upon receipt of this Agreement at 1-866-412-5563 (TDD/TTY 1-888-819-1918) and provide us with 
           the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you. 
           For bankruptcy notifications: 
           All bankruptcy notices and related correspondence to Comenity Capital Bank should be sent to the following address: Comenity Capital Bank, 
           Bankruptcy Department, PO Box 183043, Columbus, Ohio 43218-3043. 
           I. Arbitration and jury trial waiver 
           For Covered Borrowers under the Military Lending Act (MLA) 
           The MLA prohibits us from requiring you to submit to arbitration as a condition of extending credit. For additional information see Section J below. 
           A. Jury trial waiver 
           TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
           TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
           CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. 
           B. Notice and cure 
           Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a 
           �Claim�), the party asserting the Claim (the �Claimant�) shall give the other party (the �Defendant�) written notice of the Claim (a �Claim Notice�) and 
           a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to th e address we have in our 
           records (or any updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to Comenity Capital Bank, PO Box 
           182436, Columbus, Ohio 43218-2436 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address 
           and Account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on 
           your own behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim Notice on 
           your behalf. The Claimant must reasonably cooperate in providing any information about the Claim that the other party reasonably requests. 
           C. Arbitration provision 
           READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. 
           BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
           YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
           1. Your Right to Reject: If you don�t want this Arbitration Provision (and any prior arbitration agreement between you and us (�Prior Arbitration 
           Agreement�) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement 
           that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity 
           Capital Bank, PO Box 182422, Columbus, Ohio 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more than one) and 
           if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a 
           right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your 
           ability to obtain credit. 
           2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms �we,� �us� and �our� 
           mean (a) Comenity Capital Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the �Bank 
           Parties�); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other 
           person or company at the same time you assert a Claim against any Bank Party. 
           3. Covered Claims: �Claim� means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the 
           Account, the issuance of any Card, any rewards program, any prior agreement or account. �Claim� includes disputes arising from actions or omissions 
           prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. �Claim� has the broadest 
           possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, 
           consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for 
           injunctive or declaratory relief). �Claim� does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or 
           any part thereof (including, without limitation, the prohibition against class proceedings, private attorney general proceedings and/or multiple party 
           proceedings described in Paragraph C.7 (the �Class Action Waiver�), the last sentence of Paragraph C.13 and/or this sentence); all such disputes are 
           for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole 
           is for the arbitrator, not a court, to decide. 
           4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with 
           respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an 
           individual Claim that you bring against us in small claims court or your state�s equivalent court, if any. But if that Claim is transferred, removed or 
           appealed to a different court, we then have the right to demand arbitration. 
           5. Choosing the Administrator: �Administrator� means the American Arbitration Association (�AAA�), 120 Broadway, 21st Floor, New York, NY 10271, 
           www.adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by mutual agreement of 
           the parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator 
           will be selected by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the 
           arbitrator must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administ rator if you give us written 
           notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to 
           arbitrate any Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not 
           select the Administrator on time, we may do it. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be 
           administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent 
           with the Class Action Waiver. 
           6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT 
           TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED 
           IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN 
           ARBITRATION.  
           7. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
           ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
           AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED  OR 
           CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY 
           TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
           8. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay 
           any and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees 
           in order for this Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys� and experts� fees if you 
           prevail or if we must bear such fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
           9. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), 
           and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations 
           and claims of privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action were 
           pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). 
           At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. 
           10. Right to Discovery: In addition to the parties� rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may 
           submit a written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The 
           arbitrator shall have discretion to grant or deny that request. 
           11. Arbitration Result and Right of Appeal: Judgment upon the arbitrator�s award may be entered by any court having jurisdiction. The arbitrator�s 
           decision is final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a 
           request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 
           days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall 
           reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this 
           Arbitration Provision to �the arbitrator� shall mean the panel if an appeal of the arbitrator�s decision has been taken. The costs of such an appeal will 
           be borne in accordance with Paragraph C.8. above. 
           12. Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of the 
           Account, any legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency 
           between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, 
           this Arbitration Provision shall govern. This Arbitration Provision replaces any Prior Arbitration Agreement. 
           13. Severability: If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the rem aining 
           portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the 
           Arbitration Agreement will remain in force and the remaining provisions shall be null and void, provided that the determinati on concerning the Class 
           Action Waiver shall be subject to appeal. 
           14. Special Payment: If (1) you submit a Claim Notice in accordance with Paragraph B above on your own behalf (and not on behalf of any other party); 
           (2) we refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that you were entitled to such relief (or greater 
           relief), the arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled). 
           J. Important Information for Covered Borrowers under the Military Lending Act 
           �  For New Accounts - Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of 
            consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exc eed an annual 
            percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associat ed with credit insurance 
            premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees 
            for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
           �  A �Covered Borrower� is a consumer who, based on the determination made in accordance with 32 CFR Part 232.5, is entitled to the Limitations on 
            Terms of Consumer Credit Extended to Service Members and Dependents under 32 C.F.R. Part 232.  Your first statement will indicate whether you 
            are a Covered Borrower, based on a review of the Department of Defense�s database and/or a report from a consumer-reporting agency. If you�re 
            a Covered Borrower, we will notify you in writing no later than 60 days after the determination made in accordance with 32 CF R Part 232.5. 
           �  This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on permissible loan t erms and limitations on 
            interest and fees.  If you are a Covered Borrower: (a) the Arbitration Provision and jury trial waiver shall not apply to you; (b) any interest or fees in 
            excess of the permitted limit shall be reduced by the amount necessary to satisfy that limit and any amounts collected in exc ess of the permitted 
            limit shall be refunded by crediting your Account or by making a direct payment to you; and (c) any other provision of this Agreement that is 
            inconsistent with the Military Lending Act shall not apply to you. 
           �  To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; TDD/TTY 1-888-819-1918. 
                                                                              
                                                                              
                                                                    51905I008 (11/18) 
            
            
                                                                              
                                                                              
                                                                              
            
            
            
            
            
             
            
      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 23.74%. 
      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 $2.00 
                           per credit plan. 
            
      Fees 
                           None 
      ?    Annual Fee 
                            
      Transaction Fees 
                           The greater of $10 or 5% of the amount of the balance transfer. 
      ?    Balance Transfer 
                           The greater of $10 or 5% of the amount of the cash advance. 
      ?  Cash Advance 
                           The greater of $10 or 5% of the amount of the convenience check. 
      ?    Convenience Check  3% of each transaction in U.S. dollars. 
      ?    Foreign Transaction 
                            
      Penalty Fees 
                           Up to $38.00 
      ?    Late Payment 
                           Up to $38.00 
      ?    Returned Payment 
      Balance Computation Method  We use a method called "daily balance."