Rate and Fee Summary 
          IMPORTANT NOTICE: If you opened this account via telephone, review the enclosed Credit Card Agreement for the terms of your 
          new account. If you do not want to accept these terms: 
          ?  Contact the Bank at 1-800-524-6531 (TDD/TTY: 1-888-819-1918) within 25 days of the date of application;  
          ?  Your account will be closed; and  
          ?  You will need to make arrangements with the merchant to pay for purchases or return goods at no cost to you. 
          This right to reject only applies to customers that opened their accounts via telephone. 
              
          This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the following credit card accounts: 
                        �      �                         �         �
           �  Bed Bath & Beyond  Mastercard  Account �  Bed Bath & Beyond  World Mastercard  Account 
                     �      �                         �         �
           �  buybuy BABY  Mastercard  Account �  buybuy BABY  World Mastercard  Account 
                               �     �                          �         �
           �  Christmas Tree Shops andThat!  Mastercard  Account  �  Christmas Tree Shops andThat!  World Mastercard  
                                               Account 
           �  Cost Plus World Market � �                   �         �  Mastercard  Account �  Cost Plus World Market  World Mastercard  Account 
           �  Harmon Face Values � �                      �         �  Mastercard  Account �  Harmon Face Values  World Mastercard  Account 
          Read it and keep it.   
            Interest Rates and Interest   
            Charges 
            Annual Percentage Rate 
                                 23.99%, 17.99%, or 13.99%, based upon your 
            (APR) for Purchases 
                                 creditworthiness.  
                                    This APR will vary with the market based on the Prime Rate. 
            APR for Balance Transfers  26.99% 
                                     
            APR for Cash Advances  25.99% 
                                    This APR will vary with the market based on the Prime Rate.  
            Paying Interest      Your due date is at least 25 days after the close of each billing 
                                 period. 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 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 
            Consumer Financial   using a credit card, visit the website of the Consumer Financial 
            Protection Bureau    Protection Bureau at 
                                 http://www.consumerfinance.gov/learnmore. 
            Fees                  
            Annual Fee           None 
            Transaction Fees      
            � Balance Transfer   Either $10 or 5% of the amount of each transfer, whichever is 
            � Cash Advance       greater.  
            � Foreign Transaction  Either $10 or 5% of the amount of each cash advance, whichever is 
                                 greater.  
                                 3% of each transaction in U.S. dollars.  
            Penalty Fees          
            � Late Payment       Up to $40 
            � Returned Payment   Up to $40 
          How We Will Calculate Your Balance: We use a method called "daily balance (including current 
          transactions)." Review your Agreement for more details. 
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
          provided in your Agreement. 
          New York Residents:  Comenity Capital Bank: 
          �  Bed Bath & Beyond Mastercard: 1-844-271-2757 
          �  Bed Bath & Beyond World Mastercard: 1-844-271-2758 
          �  buybuy BABY Mastercard: 1-844-271-2753 
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          �  buybuy BABY World Mastercard: 1-844-271-2754 
          �  Christmas Tree Shops andThat! Mastercard: 1-844-271-2761 
          �  Christmas Tree Shops andThat! World Mastercard: 1-844-271-2762 
          �  Cost Plus World Market Mastercard: 1-844-271-2769 
          �  Cost Plus World Market World Mastercard: 1-844-271-2770 
          �  Harmon Face Values Mastercard: 1-844-271-2765 
          �  Harmon Face Values World Mastercard: 1-844-271-2766 
          � TDD/TTY: 1-888-819-1918 
          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 1-800-342-3736 or 
          www.dfs.ny.gov. 
          Wisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How to 
          Contact Us section below and give us your spouse�s name and address.  
          Print Date:  This Summary was printed October 2020. The information was accurate as of that date but may have changed. To find 
          out more, contact us at the General mailing address or phone number in the How to Contact Us section below.  
          Issuer Name: Your Card is issued by Comenity Capital Bank. 
          Governing Law:  This loan is made in Utah and this Agreement is governed by Utah and federal law.   
          Rate Information: The following chart provides details on your rates as of the Print Date shown above. If this Agreement was 
          provided at point of sale, review the Agreement with your welcome package for variable rate information in effect within 30 days of 
           mailing. 
           
                                            APR     Daily Periodic Rate  Margin 
              Purchases                  23.99% (v)  0.06572%    20.74%  
              Purchases                  17.99% (v)  0.04928%    14.74%  
              Purchases                  13.99% (v)  0.03832%    10.74%  
            Balance Transfers            26.99%     0.07394%     N/A 
            Cash Advances                25.99% (v)  0.0712%     22.74%  
          (v) = variable 
          PIN for ATM Cash Advances: You must enter a Personal Identification Number (PIN) to obtain an ATM cash advance. Call the 
          General number in the How to Contact Us section below to request a PIN. 
          Annual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and 
          annually thereafter. We will refund this fee if you close your Account within 30 days of the mailing or delivery date of the statement on 
          which the fee appears. The fee is otherwise non-refundable. 
          Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $29 if you were not charged a 
          Late Fee during the prior six billing periods. Otherwise, it is $40. This fee will not exceed the amount permitted by law. 
          Returned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is 
          honored on resubmission. The fee is $29 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. 
          Otherwise, it is $40. This fee will not exceed the amount permitted by law.  
          Alternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If you do, we may charge a 
          fee. Currently, that fee is up to $15. We�ll let you know the current fee before you authorize any payment and you can withdraw your 
           request if you don�t want to pay the fee. 
           Promotional Credit Plan Details: Purchases of $250.00 or more made at a participating Bed Bath and Beyond Brands location or 
           the Bed Bath and Beyond Brands website on a Bed Bath & Beyond� Mastercard, buybuy BABY� Mastercard, Christmas Tree Shops 
           andThat!� Mastercard, Cost Plus World Market� Mastercard, Harmon Face Values� Mastercard, Bed Bath & Beyond� World 
           Mastercard, buybuy BABY� World Mastercard, Christmas Tree Shops andThat!� World Mastercard, Cost Plus World Market� World 
           Mastercard and Harmon Face Values� World Mastercard Credit Card Account may be automatically placed on a Promotional Credit 
           Plan as described below. If you would like us to move your purchase or purchases to the non-promotional Regular Revolving Credit 
           Plan, please contact us by the Payment Due Date shown on your first billing statement reflecting the purchase or purchases. As of the 
           Print Date, your Purchase APR is 23.99%, 17.99%, or 13.99%, based upon your creditworthiness when you opened the account, 
           based on the Prime Rate. 
           Current offers may include: 
                Purchases of $250.00 - $499.99 � 6 Month Deferred Interest, Payment Required 
                No interest if paid in full within 6 months. Interest will be charged to the Account from the purchase date at the Purchase 
                APR if the plan balance is not paid in full within the promotional period. 
                 
                Purchases of $500.00 or more � 12 Month Deferred Interest, Payment Required 
                No interest if paid in full within 12 months. Interest will be charged to the Account from the purchase date at the Purchase 
                APR if the plan balance is not paid in full within the promotional period. 
                 
                Applicable to All Promotional Credit Plans   
                �  Available plans and offer terms are subject to change. Plan availability may be limited to certain locations of 
                  web purchases. For more information, visit a participating Bed Bath and Beyond Brands location or the Bed 
                  Bath and Beyond Brands website. 
                �  Minimum payments are required for each Credit Plan. Review the Minimum Payment section below for more details.  
                �  Minimum payments are not guaranteed to pay any promotional plan balance within the promotional period. You may 
                  have to pay more than the minimum payment to avoid paying interest at the Purchase APR. Some balances may be 
                  paid off before the promotional period ends.  
                �  Your minimum payment may be higher than if you did not select promotional financing.  
           2  
           
               �  Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a 
                  separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.  
               �  Each transaction placed on a promotional Credit Plan may not earn reward dollars depending on plan selected. Please 
                  consult Rewards Terms & Conditions for details. 
           Minimum Payment: You may pay the entire Account balance at any time. You must pay at least the Minimum Payment each billing 
           period by the Due Date on your statement. 
           If the New Balance on your statement is less than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the 
           Minimum Payment is the New Balance.   
           If the New Balance is more than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment 
          is the Past Due amount plus the sum of the amounts due on each Credit Plan as follows: 
            Regular Purchase, Cash Advance and  Sum of following rounded up to nearest $1: 
            Balance Transfer      (1)  1% of plan balance at end of billing period (excluding new interest charges 
                                     for plan) (minimum $5); plus 
                                  (2)  New interest charges for plan 
            Deferred Interest, Payment Required  3.5% of plan balance at end of billing period rounded up to nearest $1 (minimum 
            and Waived Interest, Payment Required  $5) 
            Deferred Interest, Equal Payment and  Purchase amount divided by number of months in promotional period rounded up 
            Waived Interest, Equal Payment   to nearest $1 (minimum $5) 
            Low APR, Equal Payment  Purchase amount including calculated interest charges from purchase date 
                                  through end of promotional period divided by number of months in promotional 
                                  period rounded up to nearest $1 (minimum $5) 
            Deferred Interest, Low Payment and  1% of plan balance at end of billing period rounded up to nearest $1 (minimum $5) 
            Waived Interest, Low Payment 
            Budget Payment or Open Charge  Monthly payments of $49, $99, $149, $199 or $299, as specified in offer based on 
            Budget Payment        transaction amount 
            Open Charge (except Open Charge  Dependent upon above for corresponding Credit Plan 
            Budget Payment)       If your balance increases during the Open Charge Period, your Minimum Payment 
                                  will increase 
           
          How to Contact Us: 
            Arbitration Claims   Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 
            Arbitration Rejection   Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 
            Bankruptcy Notifications  Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 
            Billing Errors  Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 
            Credit Reporting Disputes  Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 
            Disputed Debts  6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004 
            General         Credit Card Customer Care: 
                               �  Bed Bath & Beyond Mastercard: 1-844-271-2757 
                               �  Bed Bath & Beyond World Mastercard: 1-844-271-2758 
                               �  buybuy BABY Mastercard: 1-844-271-2753 
                               �  buybuy BABY World Mastercard: 1-844-271-2754 
                               �  Christmas Tree Shops andThat! Mastercard: 1-844-271-2761 
                               �  Christmas Tree Shops andThat! World Mastercard: 1-844-271-2762 
                               �  Cost Plus World Market Mastercard: 1-844-271-2769 
                               �  Cost Plus World Market World Mastercard: 1-844-271-2770 
                               �  Harmon Face Values Mastercard: 1-844-271-2765 
                               �  Harmon Face Values World Mastercard: 1-844-271-2766 
                            � TDD/TTY: 1-888-819-1918 
                            �  Bed Bath & Beyond Mastercard and World Mastercard: comenity.net/bedbathandbeyond 
                            �  buybuy BABY Mastercard and World Mastercard: comenity.net/buybuybaby 
                            �  Christmas Tree Shops andThat! Mastercard and World Mastercard: 
                             comenity.net/christmastreeshopsandthat 
                            �  Cost Plus World Market Mastercard and World Mastercard: 
                             comenity.net/costplusworldmarket 
                            �  Harmon Face Values Mastercard and World Mastercard: comenity.net/harmonfacevalues 
                            �  Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 
                            When writing, include your name, address, phone number and Account number. 
             
                                  Credit Card Agreement 
          This Agreement, including the Summary, is your contract with us. Read it and keep it. 
           3  
           
          Acceptance: You accept this Agreement if you use the Account or you do not cancel your Account within 30 days after delivery of the 
           Agreement. Your signature on any application or solicitation for this Account or other evidence of indebtedness on your Account is 
          your signature on this Agreement. 
          Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration 
          Provision. If you do not, it will be part of this Agreement.  
          Changes: The rates, fees and terms of this Agreement may change and we may add or delete any term. We will give you 
          advance notice and a right to reject, if required by law. 
                                        Definitions 
          Account: the credit card account with us under this Agreement. 
          Authorized User: any person you allow to use your Account.  
          Card: one or more cards or access devices, including your Account number or virtual card, we issue to you, or someone you 
          authorize, to get credit under this Agreement.  
          Cash Advance: if applicable, the use of your Account to: 
            ?  get cash from an ATM, financial institution or other location; 
            ?  buy lottery tickets, money orders, foreign currency, gift cards or similar items; 
            ?  get cash or pay someone using a check we offer for that purpose; 
            ?  make any other transaction the merchant codes as a cash advance, money transfer or gambling.  
          Balance transfers are Cash Advances unless we tell you otherwise. 
          Credit Plan: each balance subject to different financing terms, such as regular purchases, Cash Advances, and promotional plans. 
          Margin: the amount added to the Prime Rate to determine a variable APR.  
          Prime Rate: the U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the last business day of the calendar 
          month.   
          We, us or our: the issuer of your Card and its successors and assignees.  
          You, your or yours: each person who submits an application or solicitation for an Account and any other person contractually liable 
          under this Agreement.  
                                     Using Your Account 
           Your Agreement   You agree to use your Account in accordance with this Agreement. You agree to pay us for all amounts 
                      due on your Account, including charges made by Authorized Users. You agree not to use your Account for 
                      illegal transactions. 
           Use of Account  You may use your Account to make purchases anywhere the Card is accepted. If your Card has the logo 
                      of one of our network providers (e.g., Visa and Mastercard), you may use your Account to make Cash 
                      Advances. 
           Authorized Users  You may request Cards for Authorized Users. You must notify us if you wish to cancel the authority of an 
                      Authorized User to use your Account. 
           Joint Accounts  If this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed. 
                      Any notice we send to either of you will serve as notice to both of you. 
           Credit     We may decline to authorize a transaction for any reason. We will not be liable to you if we do or if anyone 
           Authorizations  refuses any use of your Card.  
           Credit Limit  We will tell you your credit limit or limits. Keep your balance below your credit limit or limits. If you do not, 
                      you must still pay us. We may change your credit limit or limits at any time, without notice.    
           Promotional  We may offer special financing terms, such as deferred interest, waived interest, low APR or equal 
           Credit Plans  payment options. The Credit Plan or Plans will be subject to the terms of the offer and this Agreement.   
           Electronic  Applications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get 
           Access     credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate 
                      terms of use. We are not responsible for any consequences from your violation of those terms.   
                                 APRs and Interest Based on APRs 
                          Review your Summary for the APRs that apply to your Account 
           Variable APRs  We add the applicable Margin specified in the Rate Information chart on the Summary to the Prime Rate to 
                      determine Variable APRs. Variable APRs increase or decrease when the Prime Rate changes but will not 
                      exceed any Maximum APR specified in the Rate Information chart. 
                      Any APR change will take effect on the first day of the billing period that begins after the Prime Rate 
                      changes. Increased APRs will increase your interest charges and may increase your Minimum Payment. 
           Daily Balance  We calculate interest for each Credit Plan each day by applying the applicable daily periodic rate to the 
           Method     daily balance. The daily periodic rate is the APR for the Credit Plan divided by 365. 
           (including current  We start with the beginning balance each day (including unpaid interest and fees).   
           transactions) 
                      We add new transactions and fees to the applicable Credit Plan. We add transaction fees to the same 
                      Credit Plan as the transaction. We add all other fees to the regular purchase Credit Plan. 
                      We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get 
                      the partial daily balance.  
                      We multiply the partial daily balance by the daily periodic rate to get the daily interest.  
                      We add the daily interest to the partial daily balance to get the daily balance. This results in daily 
                      compounding of interest.  
                      We add all the daily interest to get the total interest for the Credit Plan for the billing period. For a Deferred 
                      Interest Credit Plan, this interest is deferred. 
                      We round interest to the nearest cent. 
           4  
           
           Interest   Charging Interest: Interest begins on a transaction, fee or interest from the day added to the daily 
                      balance until paid in full.  
                      How to Avoid Paying Interest on Regular Purchases (Grace Period): If you did not have a Previous 
                      Balance, or if you paid the New Balance on your previous statement by the Due Date on that statement, 
                      we will not charge interest on new regular purchases, or any portion thereof, paid by the Due Date on your 
                      current statement. 
                      How We Apply Payments May Impact Your Grace Period: If you do not pay your New Balance in full 
                      each billing period, then, depending on how we apply your payment, you may not get a Grace Period on 
                      new regular purchases. 
                      Waived Interest Credit Plan: We do not impose interest on plan balances during the promotional period. 
                      After the promotional period, any remaining balance is added to the regular purchase balance and is 
                      subject to interest at the then-current rate for regular purchases.  
                      Deferred Interest Credit Plan: Interest accrues on plan balances from the transaction date. We do not 
                      impose that interest if you pay the balance in full by the end of the promotional period. After the 
                      promotional period, any remaining balance and interest from the transaction date is added to the regular 
                      purchase balance and is subject to interest at the then-current rate for regular purchases. 
                                         Payments 
           Payment    We credit payments in accordance with the terms on your statement. Review your statement for details.  
           Instructions  Pay in U.S. dollars, in funds on deposit in the U.S. If you don�t, we may refuse your payment or charge you 
                      our costs to collect the funds.  
           How We Apply  We apply payments up to the Minimum Payment at our discretion, which may result in balances at lower 
           Payments   APRs being paid first and higher interest charges. Payments over the Minimum Payment will be applied in 
                      accordance with law. 
                                      Other Information 
           Default    You are in default if: 
                       ?  you fail to comply with this Agreement or any other agreement with us or an affiliate;  
                       ?  a bankruptcy or other insolvency proceeding is filed by or against you;  
                       ?  we reasonably believe you are unable or unwilling to repay us; 
                       ?  you die or are legally incompetent or incapacitated; 
                       ?  you give us misleading, false, incomplete or incorrect information or fail to give us any information we 
                         deem necessary. 
                      If you are in default, we may declare the entire balance immediately due and payable without notice. 
           Collection Costs  If we use an attorney to collect your Account, we may charge you our costs if and as permitted by law. 
                      These may include reasonable attorneys� fees and court costs.    
           Privacy Policy  You authorize us to share information about you and your Account as permitted by law. Review our 
                      Privacy Statement for details about our information sharing practices. 
           Credit Reporting   We may check your credit, employment and income records in connection with an application, update, 
                      renewal or extension of credit on your Account (including collections and dispute investigations). You 
                      consent to our obtaining such records by submitting an application or solicitation. Upon request, we will tell 
                      you the name and address of any credit reporting agency that furnished a report on you. We may report 
                      Account status and payment history to credit reporting agencies, other creditors and the company whose 
                      name or brand appears on your Card.  
           Unauthorized Use  Notify us immediately at the General mailing address or phone number in the How to Contact Us section of 
                      the Summary and assist us in our investigation if your Card is lost or stolen or you believe someone is 
                      using your Card without your permission.  
           Closing Your  You may close your Account at any time. You remain responsible for any amount owed under this 
           Account    Agreement. We may close, suspend or not renew your Account at any time, for any reason, without notice. 
           Foreign    If applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., 
           Transactions  Visa and Mastercard) using their procedures in effect when the transaction is processed. Currently, they 
                      use a government-mandated or wholesale rate. These procedures may change without notice. 
                      The conversion rate you get may differ from the rate on the transaction or post date and from the rate our 
                      network provider gets. A third party may convert a transaction into U.S. dollars or another currency, using 
                      a rate they select, before sending it to our network provider.  
                      For any transaction made or processed outside the U.S. or in a foreign currency, we charge a fee in the 
                      amount on the Summary.   
           Conformance  If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
           with Law;  conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as 
           Severability  otherwise noted in the Arbitration Provision.   
           No Waiver   We will not lose our rights under this Agreement because we delay or do not enforce them. 
           Assignment   We may assign any or all of our rights and obligations under this Agreement to a third party. You may not 
                      assign any of your rights or obligations under this Agreement. 
           New Jersey  All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
           Residents  
                                   Communications with Us 
          Monitoring and Recording: Your communications with us and our affiliates, servicers, agents and contractors may be monitored or 
          recorded. Inform Authorized Users and persons acting on your behalf or making payments on this Account of this provision.  
           5  
           
          Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and contractors, including 
           collection agents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via: 
            ?  any phone number you give us even if the number is or converts to a mobile phone number; 
            ?  any other number you provide, use to contact us or may utilize;  
            ?  any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and 
           ?  any email address you provide to us or any other person or company that provides any services in connection with this 
             Agreement. 
          Subject to any restrictions of applicable law, we may contact you using automated telephone dialing systems and/or pre-recorded or 
          artificial voice messages and any other form of communication. 
          Communications may result in additional mobile, text message, data or other charges. 
          You may change your preferences by calling the General phone number on the Summary. 
          Disputed Debts: All written communications about disputed amounts, including any check or payment instrument marked "payment in 
          full" or similar, must be sent to the address for Disputed Debts on the Summary. We may accept payments sent to any other address 
          without losing our rights. 
          Bankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the 
          Summary.  
          Changes: You agree to notify us at the General phone number or address on the Summary or by updating your information on 
          Account Center immediately upon changing your name, email address, mailing address or phone number. 
          Communication in Languages Other Than English: You agree to receive all Account communications in English. We may, at our 
          option, communicate with you in other languages as a courtesy. We may stop communicating with you in non-English languages at 
          any time. While we try to ensure accuracy of translations, we are not responsible for any inaccuracies in translation or 
          misunderstandings due to differences in usage or dialect. In the event of inconsistency between the English version and the 
          translation, the English version will control. 
            
            
                       Notice for Active Duty Military Members and Their Dependents 
          The following disclosures apply to you if, in connection with opening your Account, we determine you are a �covered borrower� as 
          defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents: 
          ?  The provision of this Agreement titled �Arbitration and Jury Trial Waiver� does not apply to you. 
          ?  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 
            exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The 
            costs associated 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). 
          ?  To hear information about these protections and a description of your payment obligations, call toll free at 1-866-230-0418 (or at 
            the General TDD/TTY number on the Summary). 
            
            
                                 Arbitration and Jury Trial Waiver 
           Key Provisions  Please review the following important provisions carefully. Pay special attention to Paragraphs: 
                       ?  A: Jury Trial Waiver; 
                       ?  C: Arbitration Provision; 
                       ?  C.1: Right to Reject; 
                       ?  C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and 
                       ?  C.7: Class Action Waiver. 
           A. Jury Trial  To the extent permitted by law, you and we waive any right to trial by jury in the event of a lawsuit 
           Waiver     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  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this 
           Cure       Agreement (as further defined below, "Claim"), the party asserting the Claim ("Claimant") shall give the 
                      other party ("Defendant") written notice of the Claim ("Claim Notice") and a reasonable opportunity, not 
                      less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent 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 the address for Arbitration Claims on the Summary (or any updated address we subsequently 
                      provide). Any Claim Notice you send must provide your name, address and Account number and explain 
                      the nature of the Claim and relief 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 Defendant reasonably requests. 
           C. Arbitration  Review this provision carefully. If you do not reject it in accordance with Paragraph C.1, Right to 
           Provision  Reject, below, it will be part of this Agreement and will have a substantial impact on the way you or 
                      we will resolve any Claim you or we have against each other now or in the future. 
            1. Right to  If you don�t want this Arbitration Provision (and any prior arbitration agreement between you and 
            Reject    us ("Prior Arbitration Agreement")) to apply, you may reject it by mailing us a written rejection 
                      notice which gives your name 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 the 
                      address for Arbitration Rejection on the Summary. 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 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. 
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            2. Parties  Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and 
                      "our" mean 
                       a. the issuer of your Card named on the Summary and its successors and/or assigns, as well as any 
                         parent, subsidiary or affiliate of theirs and their employees, officers and directors (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  "Claim" means any claim, dispute or controversy between you and us that in any way arises from or 
            Claims    relates to this Agreement, the Account, the issuance of any Card, any rewards program and/or 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 on 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, Prohibitions Against Certain Proceedings (Class Action Waiver), Paragraph C.13, 
                      Severability, 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 may be elected by any party with respect to any Claim, even if that party has already initiated a 
            Arbitration  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. 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 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  If you or we elect to arbitrate a Claim, you will not have the right to pursue that Claim in court or 
            Jury Trials  have a jury decide the Claim. Also, your ability to obtain information from us is more limited in 
            Prohibited; Other  arbitration than in a lawsuit. Other rights that you would have if you went to court may also not be 
            Limitations on  available in arbitration. 
            Legal Rights 
            7. Prohibition  If you or we elect to arbitrate a Claim: 
            Against Certain  a. neither you nor we may participate in a class action in court or in class-wide arbitration, either 
            Proceedings  as a plaintiff, defendant or class member;  
            (Class Action  b. neither you nor we may act as a private attorney general in court or in arbitration; 
            Waiver)    c. Claims brought by or against you may not be joined or consolidated with Claims brought by or 
                         against any other person; and  
                       d. 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  Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will 
            Costs     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  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 
            Law       U.S.C. �� 1-16 ("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. 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. Result and  Judgment upon the arbitrator�s award may be entered by any court having jurisdiction. The arbitrator�s 
            Appeals   decision is final and binding, except for any right of appeal provided by the FAA and/or the rules of the 
                      Administrator. Any finding, award or judgment from an arbitration of any Claim shall apply only to that 
                      arbitration. No finding, award or judgment from any other arbitration shall impact the arbitration of any 
                      Claim. 
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            12. 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 and the 
                      applicable arbitration rules or the other provisions of this Agreement, this Arbitration Provision shall govern. 
                      This Arbitration Provision replaces any Prior Arbitration Agreement. 
            13. Severability  If any portion of this Arbitration Provision is held to be invalid or unenforceable, the remaining portions 
                      shall nevertheless remain in force, subject to two exceptions. First, if a determination is made that the 
                      Class Action Waiver is unenforceable, and that determination is not reversed on appeal, then the 
                      Arbitration Provision shall be void in its entirety. Second, if a court determines that a public injunctive relief 
                      Claim may proceed notwithstanding the Class Action Waiver, and that determination is not reversed on 
                      appeal, then the public injunctive relief Claim will be decided by a court, any individual Claims will be 
                      arbitrated, and the parties will ask the court to stay the public injunctive relief Claim until the other Claims 
                      have been finally concluded. 
            14. Special  The arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled) if: 
            Payment    a. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure, above on your own 
                         behalf (and not on behalf of any other party); 
                       b. we refuse to provide you with the relief you request before an arbitrator is appointed; and  
                       c.  an arbitrator subsequently determines that you were entitled to such relief (or greater relief). 
          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 the address for Billing Errors on the Summary  
             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 the address for Billing 
          Errors on the Summary. 
               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. 
           
            
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           Pricing Addendum   
             
            Interest Rates and Interest    
            Charges 
            Annual Percentage Rate (APR) 
                                   Prime Rate plus 20.74%, 14.74%, or 10.74%, 
            for Purchases 
                                   based upon your creditworthiness.  
                                      This APR will vary with the market based on the Prime Rate. 
            APR for Balance Transfers  26.99% 
                                       
            APR for Cash Advances  Prime rate plus 22.74% 
                                      This APR will vary with the market based on the Prime Rate.  
            Paying Interest        Your due date is at least 25 days after the close of each billing 
                                   period. 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 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. 
            Fees                    
            Annual Fee             None 
            Transaction Fees        
            � Balance Transfer     Either $10 or 5% of the amount of each transfer, whichever is 
            � Cash Advance         greater.  
            � Foreign Transaction  Either $10 or 5% of the amount of each cash advance, whichever 
                                   is greater.  
                                   3% of each transaction in U.S. dollars.  
            Penalty Fees            
            � Late Payment         Up to $40 
            � Returned Payment     Up to $40 
            Balance Computation Method  We use a method called "daily balance." 
           
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