IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS
Prior to applying for a Diamonds International, Comenity Capital Bank requests your consent to provide you important information electronically.

You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your Diamonds International
application in electronic form. These disclosures include, but are not limited to, Credit Card account Terms and Conditions, the Credit Card Account
Agreement and Customer Privacy Statement.
This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.
At your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a fee. Please call us at 1-855-
334-3630 to withdraw your consent to receive electronic disclosures.
In order to receive electronic communications and to obtain the best view of these communications you will need access to the Internet, have a web
browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and print these disclosures, and Adobe Reader to view PDF
files. You may download it for free at https://get.adobe.com/reader/. By selecting the "Submit" button, you confirm that your system meets these
requirements and that you have the capability to access and download or print electronic disclosures.
If you are browsing this site for informational purposes, you waive any liability for any damages you may incur for relying on the information contained in
this site.
We recommend that you retain a copy of these disclosures for your records.

If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.

Financial terms of your account

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

29.24% .
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying
Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge
you interest on purchases if you pay your entire balance by the due date each month.

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 Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Late Payment

Returned Payment

None

Up to $37
Up to $37

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 1-855-334-3630 (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 07/30/2016. We divide the APR by 365 to
determine the daily periodic rate.

Add to Index

APR

Purchase APR

25.74%

29.24%

Daily Periodic
Rate

0.08010%

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 amount you must pay each billing period ("Total Minimum Payment") is the total of minimum payments for Regular 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 Credit Plan will be the greater of:

(a) $5; or
(b) 3.5% of the New Balance shown on your statement for that Credit Plan (rounded up to the nearest $1).

See Minimum Payment in Section C below for promotional Credit Plan minimum payment calculations. 
The APR information described in the Agreement is accurate as of 07/30/2016. Due to a change in the Index, this information may
have changed. To find out more, call us at 1-855-334-3630 (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, P.O.
Box 183003, Columbus, OH 43218-3003.

IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to
obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an
account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to
see your driver's license or other identifying documents.
CA Residents: If you are married, you may apply for a separate account. NY, RI and VT Residents: We may order credit reports in
connection with processing applications and any update, renewal or extension of credit. Upon request, we will tell you the name and
address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or
otherwise submitting an application or solicitation. OH Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on
each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. WI Residents: No provision
of a marital property agreement, unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects
the interest of Comenity Capital Bank unless the Bank, prior to the time credit is granted, is furnished a copy of the agreement,
statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.

If you have been preapproved, see below for details of your offer.

You can choose to stop receiving "prescreened" offers of credit from this and
other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT
NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report
indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want
to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-
888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094;
Equifax, PO Box 740123, Atlanta, GA 30374.

I am applying to Comenity Capital Bank for, and hereby request, a Diamonds International for personal, family or household use. I
hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true and correct. I
acknowledge that I am a permanent resident of the United States. I agree that a credit report may be obtained for any lawful
purpose, including in connection with the processing of an application, or subsequently with the update, renewal or extension of
credit. Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be given the
name and address of the consumer-reporting agency that furnished the report. I agree to be bound by the terms of the Credit Card
Account Agreement. I acknowledge that I will receive a Credit Card Account Agreement upon approval. I also acknowledge that
there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and
accepts the Credit Card Account Agreement at its office in Utah and that the Credit Card Account Agreement is deemed to be made
in Utah. Cards are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.
PLEASE NOTE:
BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH RESPECT TO CERTAIN
CONSUMER INFORMATION ABOUT YOU.
You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Diamonds
International. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit
bureaus, other creditors and Diamonds International.
Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date
of birth and social security number. By submitting this Application you are acknowledging having read and understood the Important
Rate, Fee and Other Cost Information and, if approved, agreeing to be bound by them.

Your Diamonds International account agreement
This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information about
using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the
account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this
agreement, including the assessment of any interest charges and fees. 
Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute.

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:

Eliminate your right to a trial by jury; and
Substantially affect your rights, including your right to bring, join in or participate in class proceedings.

Please read each section carefully and keep this document for your records.

In the following sections, you will find information on:
Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account

A.  Getting started: the basics of your account
B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable
C.  Learning more about your account: credit plans, 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

Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make

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
Diamonds International may ask us to offer 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 Diamonds International and other retailers we may determine occasionally by
notifying you via electronic mail, statement message, website posting, or other method.
We reserve the right to not honor transactions related to, including, but not limited to, gambling, automated teller machine (ATM)
usage at casinos, and illegal activities.

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.

We may accept a payment sent to any other address without losing any of our rights.
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 the full
amount you owe immediately or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in
advance and/or give you the opportunity to remedy your default.
Reporting a lost or stolen card (as applicable)
If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should write to us immediately at P.O.
Box 183003, Columbus, OH 43218-3003 or call us at 1-855-334-3630 (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") and one or more promotional
Credit Plans. Credit Plans offered and their particular features (including but not limited to minimum purchase requirements and
minimum payment) may vary occasionally at our discretion and include one or more Regular Revolving or promotional Credit
Plans.
We may offer different promotional Credit Plans from time to time.
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 balance.
Promotional Credit Plans may include:
Waive Interest, Payment Required
Waive Interest, Equal Payment
Waive Interest, Low Payment
Defer Interest, Equal Payment
Defer Interest, Payment Required
Defer Interest, Low Payment
Low APR, Equal Payment
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.

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 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:

The minimum payments for the Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will be
the greater of:
(a) $5; or
(b) 3.5% (rounded up to the nearest $1) of the New Balance shown on your statement for that Credit Plan.

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.
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.
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.

For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99,
$149, $199, or $299, based on the transaction amount.
For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open
Charge period, your minimum payment will increase. The minimum payment for each Open Charge plan will be calculated
based on the above Credit Plans.

Payment application

We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in
balances subject to lower 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

If you make a purchase under a Regular Revolving Credit Plan, interest charges won't be imposed in any billing period in which (i)
no Previous Balance exists or (ii) payments received and credits issued by the Payment Due Date, equal or exceed the Previous
Balance.
If the New Balance shown on your last statement isn't paid in full by the Payment Due Date shown on your last statement, there
will be an interest charge on each purchase from the date of purchase.
If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total
purchase amount before the end of the promotional period. If you don't pay the total purchase amount before the end of the

promotional period, we'll add the remaining amount to your Regular Revolving balance. We'll also begin charging interest on the
purchase from the first day after the promotional period ends.
If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the
promotional period, we'll add the remaining purchase amount and the amount of accrued interest to your Regular Revolving
balance.
If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase
through the end of the promotional period.

How we calculate Interest Charges on your Account
We calculate interest separately for each Credit Plan, using a "Daily Balance" to determine interest charges for each billing period.
Our calculation method is as follows:

We start with the beginning balance on your Account each day (including unpaid interest charges and fees).
We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions and
debit adjustments posted as of that day. This gives us the "Partial Daily Balance" for the day.
We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the "Daily Interest Charge" for the
day, which we add to the day's Partial Daily Balance.
We've now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily
compounding of interest charges.
At the end of each billing period, we add together each Credit Plan's Daily Interest Charge, which gives us the total interest
charge.
Your statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing
period divided by the total number of days.

Rates

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.

The fee is $27 if you were not charged a late fee during any of the prior six billing periods.
Otherwise, the fee is $37.
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.

The fee is $27 if you were not charged a returned payment fee during any of the prior six billing periods.
Otherwise, the fee is $37.
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:
Statement copy - $6
Sales/Credit Draft copy - $6
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, subject 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.

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.
MD Residents: We will not charge you for costs other than attorneys' fees.
NH Residents: Reasonable attorneys' fees may be awarded to you if you prevail in any action by or against us.
WI Residents: If legal action is taken, we may seek statutory attorneys' fees and costs, which you will pay if they are granted by
the court.

Changes
We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of
the change(s) and a right to reject the change(s).
Security Interest
You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all
accessions to and proceeds of such goods. We waive any security interest we may have in your principal dwelling, to the extent that
it would otherwise secure any obligation arising hereunder.
Changes to your information
You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s).
Governing Law
THIS AGREEMENT IS GOVERNED BY 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 correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit 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 anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been
settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the

purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an
advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check

that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Comenity 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 Debt Cancellation (as applicable)

Purchasing Account Assure is optional.
Enrolling in Account Assure does not affect the terms of your existing credit agreement.
The Account Assure fee is based on your monthly statement balance, which is your balance on the last day of each billing period.
You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.
You may cancel Account Assure at any time.
If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure benefits for your present
situation; however, you may be eligible for other benefits based on future events.

H. Communicating with us
Communicating to you about your Account
If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as
servicers, agents, independent contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell

your Account, to communicate with you in any way, such as calling, texting, or email via:

1.  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 1-855-334-3630 (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
A. Jury trial waiver
TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A
LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE
ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN).  YOU AND WE EACH
REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
B. Notice and cure
Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined
below, a "Claim"), the party asserting the Claim (the "Claimant") shall give the other party (the "Defendant") written notice of the
Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be
sent in writing to the address we have in our records (or any updated address you subsequently provide to us). Any Claim Notice to
us shall be sent by mail to Comenity 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"), 1633 Broadway, 10th
Floor, New York, NY 10019, www.adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com;
or any other company selected by mutual agreement of the parties. If both AAA and JAMS cannot or will not serve and the
parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. The arbitrator
will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator must be a
retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us
written notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after we give you
notice that we are electing to arbitrate any Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days
after that dispute is finally resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any
language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to
the arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action
Waiver.

6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM,

YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM.
ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A
LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN
ARBITRATION.

7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR

WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF,
DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN
COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR
CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR
SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY
GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.

8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably

convenient to you. We will pay any and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you
prevail in the arbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. If you demand an
arbitration, we will pay your reasonable attorneys' and experts' fees if you prevail or if we must bear such fees in order for this
Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to.

9. Governing Law:  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9

U.S.C. §§ 1-16 (the "FAA"), and not by any state arbitration law. The arbitrator must apply applicable substantive law
consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator may
award any remedy provided by the substantive law that would apply if the action were pending in court (including, without

limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely
request of either party, the arbitrator must provide a brief written explanation of the basis for the award.

10. Right to Discovery:  In addition to the parties' rights to obtain discovery pursuant to the arbitration rules of the Administrator,
either party may submit a written request to the arbitrator to expand the scope of discovery normally allowable under the
arbitration rules of the Administrator. The arbitrator shall have discretion to grant or deny that request.

11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator's award may be entered by any court having

jurisdiction. The arbitrator's decision is final and binding, except for any right of appeal provided by the FAA. However, if the
amount of the Claim exceeds $50,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a
cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award by the arbitrator,
appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of
the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this
Arbitration Provision to "the arbitrator" shall mean the panel if an appeal of the arbitrator's decision has been taken. The costs
of such an appeal will be borne in accordance with Paragraph C.8. above.

12. Rules of Interpretation:  This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement,
the closing of the Account, any legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law.
In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration
rules or the other provisions of this Agreement, on the other hand, this Arbitration Provision shall govern.  This Arbitration
Provision replaces any Prior Arbitration Agreement.

13. Severability:  If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or

unenforceable, the remaining portions shall nevertheless remain in force. If a determination is made that the Class Action
Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain in force and the remaining provisions
shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal.
14. Special Payment:  If (1) you submit a Claim Notice in accordance with Paragraph B above on your own behalf (and not on

behalf of any other party); (2) we refuse to provide you with the relief you request; and (3) an arbitrator subsequently
determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $5,100 (plus any fees
and costs to which you are entitled).

Financial Privacy Policy

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FACTS

WHAT DOES COMENITY DO WITH YOUR PERSONAL
INFORMATION?

rev. 04/13

Why?

What?

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:

Social Security number and income
Account balances and payment history
Credit history and credit scores

Prime rate plus 25.74%. 
This  APR  will  vary  with  the  market  based  on the  Prime Rate. 
Your  due date  is at least  25 days  after  the  close  of each  billing  cycle.  We  will  not 
charge  you interest  on purchases  if you pay your  entire  balance  by the  due date  each 
month. 
If  you are charged  interest,  the  charge  will  be no less  than  $2  per credit  plan. 

Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual  Percentage  Rate 
(APR)  for  Purchases 

How  to  Avoid  Paying 
Interest 

Minimum  Interest  Charge 

Fees 
•  Annual  Fee 
Penalty  Fees 
•  Late  Payment 
•  Returned  Payment 
Balance Computation 
Method 

None 

Up to $37 
Up to $37 
We  use a method  called "daily  balance."