IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS
Prior to applying for a Westgate Rewards MasterCard, Comenity Bank requests your consent to provide you important information electronically.
You understand and agree that Comenity Bank may provide you with all required application disclosures regarding your Westgate Rewards
MasterCard 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.
At your request, we will provide you with paper copies of these 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 from Adobe. 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

Annual Percentage Rate
(APR) for Balance
Transfers and Cash
Advances

Penalty APR and When it
Applies

22.99%, 19.99%, 13.99%. When you open your account based on
your creditworthiness. This APR will vary with the market based on the Prime Rate.

23.99% This APR will vary with the market based on the Prime Rate.

29.99 %. This APR will vary with the market based on Prime Rate.
This APR may be applied to your account if you fail to pay all or part of your minimum
payment due by the payment due date for three consecutive Billing Periods.
How Long Will the Penalty APR Apply?; If your APR is increased for this reason,
the Penalty APR will apply such time as any delinquency is cured and you then make
six consecutive payments when due.

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 $2.00 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

None

Transaction Fees

Balance Transfer

Cash Advance

Convenience Checks

The greater of $10 or 4% of the amount of the balance transfer.
The greater of $10 or 4% of the amount of the cash advance, per cash advance.

The greater of $10 or 4% of the amount of the convenience check, per convenience
check.

Foreign Transaction

Equal to 3% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Returned Payment

Up to $35
Up to $35

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)." 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account
agreement. 
APR Information: APR Information for Tier One: We add 19.74% to the Index (See Rates in Section D) to determine the APR
applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE
CHARGE. As of 08/05/2013, the initial APR was 22.99% and the initial Daily Periodic Rate of FINANCE CHARGE was
0.06298%. APR Information for Tier Two: We add 16.74% to the Index (See Rates in Section D) to determine the APR
applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE
CHARGE. As of 08/05/2013, the initial APR was 19.99% and the initial Daily Periodic Rate of FINANCE CHARGE was
0.05476%. APR Information for Tier Three: We add 10.74% to the Index (See Rates in Section D) to determine the APR
applicable to your account. We divide the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE
CHARGE. As of 08/05/2013, the initial APR was 13.99% and the initial Daily Periodic Rate of FINANCE CHARGE was
0.03832%. 
We’ll charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period in which a Finance Charge is due.
For additional information, see Rates in Section D. 
APR Information for Balance Transfers and Cash Advances: The Daily Periodic Rate of FINANCE CHARGE for Balance
Transfers and Cash Advances will be computed by adding 20.74% to the Index, and dividing by 365 (corresponding APR will be
the Index plus 20.74%). As of 08/05/2013 the Daily Periodic Rate of FINANCE CHARGE for Balance Transfers and Cash
Advances was 0.06572%, and the corresponding APR was 23.99%. 
Penalty APR Information: The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate will be computed by adding
26.74% to the Index, and dividing by 365 (corresponding APR will be the Index plus 26.74%). As of 08/05/2013 the Daily Periodic
Rate of FINANCE CHARGE for the Penalty Rate was 0.08216%, and the corresponding APR was 29.99%. For additional
information, see Penalty Rate in Section D. 
Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit
Plan purchases plus any Past Due amounts. The total Minimum Payment Due on your account won’t be less than $25.00. If your
Account balance is less than $25.00, you must pay the amount indicated on your Statement in full. The Minimum Payment Due
for each Regular Revolving and Cash Revolving Credit Plans will be:

The greater of:

1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on
the Statement; or
$5.00

Plus any new Regular Revolving or Cash Revolving Credit Plan Finance Charges shown on the Statement Rounded up to the
nearest $1.00.

See Minimum Payment in Section C in the attached Agreement for Promotional Credit Plan Minimum Payment calculations. 
The APR information described in the attached Agreement is accurate as of 08/05/2013. Due to a change in the Index, this
information may have changed. To find out more, call us at 1-866-886-1013 (TDD/TTY: 1-800-695-1788), or write us at Comenity
Bank, PO Box 182273, Columbus, OH 43218-2273 or visit our website at comenity.net/westgatecard.

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.

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. California Residents:If you are married, you may apply for a separate
account. New York Residents: A consumer credit report may be ordered in connection with the processing of an application, or
subsequently with the update, renewal or extension of credit.  Upon your request, you will be informed of whether or not a
consumer credit report was ordered, and if it was, you will be given the name and address of the consumer-reporting agency that
furnished the report. New York residents may contact the New York state banking department to obtain a comparative listing of
credit card rates, fees, and grace periods. New York State Banking Department 1(800)518-8866. Rhode Island and Vermont
Residents:A consumer credit report may be ordered in connection with the processing of an application, or subsequently for
purposes of review or collection of the account, increasing the credit line on the account, or other legitimate purposes associated
with the account. Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section
766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity
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.

Customers Receiving Preapproved Credit Offers: You may have been selected for a pre-approved credit card account offer
from Comenity Bank (“Bank”) based upon the information in your credit report which satisfied the Bank’s criteria for
creditworthiness. You must respond by the expiration date of the offer. Credit may not be extended if after you respond, (i) we
find that you do not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to
create a valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) we receive your
response to this offer after such offer has expired.  

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 97328, Jackson,
MS 39288; Equifax, PO Box 740123, Atlanta, GA 30374.

Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your credit
report information by notifying the above agencies.

I am applying to Comenity Bank for, and hereby request, a Westgate Rewards MasterCard for personal, family or household use.
I hereby authorize Comenity 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 Bank and me until Comenity Bank approves my credit application and accepts
the Credit Card Account Agreement at its office in Delaware and that the Credit Card Account Agreement is deemed to be made
in Delaware. Cards are issued and credit is extended by Comenity Bank, Wilmington, Delaware.
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 Bank ("us" or "we") to furnish our decision to issue an account to you to Westgate Resorts. You
hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other
creditors and Westgate Resorts.
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 Westgate Rewards MasterCard Account Agreement
The Westgate Rewards MasterCard® is issued by Comenity Bank, pursuant to a license from MasterCard International
Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. 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 finance 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
C. Learning more about your account: credit plans and 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 & Reporting to Credit Agencies: data we provide, and receive from, credit reporting agencies, and what to do if
you think there is an error on your periodic statement (or your credit report)
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 Bank. “You” and “Your” mean each person who submits an application
for an account with us. “Account” means your credit card account with us. “Card” means each credit card we issue for your
Account. “Credit Plan” means one or more payment program options Westgate Resorts 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 to
obtain credit from us, you’ll be legally bound by this Agreement. You’re also legally bound if you sign a charge slip, or permit
someone else to use the credit provided.
You agree that the credit extended under your Account will be used only for personal, family or household purposes and not
for business or commercial purpose.
If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly
and individually responsible for repaying all amounts due. If more than one person is responsible for this Account, we will only
provide billing statements and communications to one of you.
Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with
the individual name of an authorized user embossed on the Card. If you want to revoke the use of your Account by an
authorized user, either write us at the address, or call us at the phone number, shown on your Statement.
You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were
authorized by you or made for your benefit.

Card signature
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 Credit Card Account

Your Account may be used to make purchases from anywhere Mastercard is accepted. 
We may not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities.
You may obtain a loan from us under your Account by using your Card or a convenience check as follows: by purchasing
goods or services with your Card or your Account number; by obtaining a cash advance from a financial institution, by use of
an ATM; by using a convenience check; or, by incurring charges authorized by this Agreement.
From time to time, in our sole discretion, we may send you convenience checks for use in borrowing under this Agreement. All
convenience checks you use will be treated as cash advances under this Agreement, and subject to the terms and fees that
apply to cash advances, unless we advise you otherwise.
You agree that convenience checks that you use will not be returned to you.
You may not use the convenience checks to make payments on any Comenity Bank Account.
You agree not to use a convenience check, and we do not have to pay any convenience check: 

if you are in default under this Agreement; 
if payment of that convenience check would cause your outstanding cash advance balance to exceed your cash advance
limit; or
if we cancel or suspend your right to use convenience checks

From time to time, in our sole discretion, we may offer you the ability to transfer account balances from other credit card
accounts you may have to the Account. We may, in our sole discretion, offer promotional plans for such balance transfers.
You may use the Card to obtain cash advances through certain ATMs. You will be given a Personal Identification Number
(PIN) which must be used in order to obtain an ATM cash advance. 

Some limitations on ATM cash advances may apply, such as limitations on dollar amount, number, or currency
denominations. 
You agree that any charges imposed by third parties for use of their ATM facilities will be added to your Account balance as
a cash advance.

If you make a purchase or obtain a cash advance in a foreign currency, it will be converted by Mastercard into U.S. dollars in
accordance with Mastercard Operating Regulations in effect at the time the transaction is processed. 

The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the
posting date. 
The currency conversion rate used may be the same as, greater than, or less than the amount that would be calculated by
conversion through a financial institution in the country in which the purchase or cash advance occurred. 

Making payments

Pay your Account by sending a check, money order, or cashier’s check payable in U.S. dollars, to the name and address
shown on your Statement specified for payments. Please don’t send cash.
Be sure to include your payment stub, do not staple your payment to the stub, and use the envelope provided with your
Statement.
If your payment doesn’t meet these requirements, it may not be credited to your Account for up to five days, or may be
rejected.
Any check marked “payment in full” or with similar terms must be sent to 6550 North Loop 1604 East Suite 101, San Antonio,
TX 78247-5004.

We can accept such checks or late or partial payments without losing our right to receive the full amount owed on your
Account.

Please don’t send any correspondence with your payment.

B. Keeping your account in good standing
Avoiding default
You’ll be in default under this Agreement if you:

fail to make at least the Total Minimum Payment 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 and require you to pay
the full amount you owe immediately. 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 credit card or a possible unauthorized use of your card, you should write to us immediately
at Comenity Bank, PO Box 182273 Columbus, OH 43218-2273 or call us at 1-866-886-1013 (TDD/TTY: 1-800-695-1788). You
will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that
occurs before your notice to us. In any case, your liability will not exceed $50.

C. Learning more about your account
Credit Plans

Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans.
We may offer different promotional Credit Plans from time to time.
If a promotional Credit Plan is offered at the time you open your account, this Agreement will include information about the
terms for the Plan, by use of an insert, attachment, or other written information provided as part of this Agreement.
Normal late payment charges, returned check charges and all other provisions apply to any promotional Credit Plan, unless
inconsistent with a particular Credit Plan offering.
If the promotional Credit Plan purchase isn’t paid in full before the promotional period ends, the balance will be transferred to
your non-promotional Regular Revolving balance.
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.
Regular Revolving Credit Plans are your non-promotional purchases using the Card. Promotional Credit Plans may include:

Waive Interest, Payment Required
Waive Interest, Equal Payment
Defer Interest, Equal Payment

Defer Interest, Payment Required
Low APR, Equal Payment
Budget Payment
Skip-payment option

At our discretion, we may allow you to skip making the Minimum Payment.
Finance 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 purchases, Finance Charges 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 purchase, convenience check, or cash advance on your Account. We may also suspend your
Account and your right to use your Card, including each Card you give to others. 
We may cancel any Credit Plan at any time, for any reason.
Cancellation or suspension of your Account doesn’t negate your obligation to pay any amount you owe us.
Cancellation of your Account includes each Card you give to others.
Cards are issued with an expiration date. We have the right not to renew your Account. 

Minimum Payment

You can pay all of your Account balance at any time without penalty.
You must pay at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement.
The Minimum Payment is the total of the minimum payments for the Regular Revolving and Promotional Credit Plans plus any
Past Due amounts.
The total Minimum Payment Due on your account won’t be less than $25.00. If your Account balance is less than $25.00, you
must pay the amount indicated on your Statement in full.
The Minimum Payment Due for each Promotional Plan is calculated as follows:

The minimum payments for Waive Interest, Payment Required and Defer Interest, Payment Required Promotional Credit
Plans will be the greater of:

(a) $5.00; or
(b) 1% (Rounded up to the nearest $1.00) 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 $5.00) rounded up to the nearest $1.00.
The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the
calculated finance charges that will be assessed from the date of purchase through the end of the promotional period
divided by the number of months between the date of the purchase and the promotional period end date (minimum
$5.00) rounded up to the nearest $1.00.

Payment application

We reserve the right to apply payments equal to or less than the required minimum amount 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 Minimum Payment Due 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 cycles of the promotional period.

D. Interest, fees and charges
Finance Charges

There is no period in which you can pay back a cash advance, any other transaction treated as a cash advance under this
Agreement, or a balance transfer to avoid incurring a Finance Charge. For a cash advance using a convenience check, the
date of the advance is the date the convenience check is presented to us or our agent for payment. For all other cash
advances, the date of the advance is the date you obtained the advance.   
If you make a purchase under a Regular Revolving Credit Plan, Finance 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, which is at least
23 days after the Statement Closing Date shown on your last Statement, 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 a Finance Charge on each purchase from the date of purchase.  
If you make a purchase under any Waive Interest Promotional Credit Plan, we won’t charge Finance Charges 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 Finance Charges 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 Finance Charges to your Regular
Revolving balance.  
If you make a purchase under a Low APR, Equal Payment Credit Plan, Finance Charges will be assessed from the date of
purchase through the end of the promotional period.

How we calculate Finance Charges on your Account
We calculate Finance Charges separately for each Credit Plan, using a “Daily Balance” to determine Finance Charges for each
Billing Period. Our calculation method is as follows:

We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees).
We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new purchases
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 of Finance Charge. This gives us the “Daily
Finance 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 Finance Charge, which gives us the total Account
Finance Charge.

Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balance for each day in the Billing
Period divided by the total number of days.
Rates

The Index in effect for each Billing Period will be the highest “Prime Rate” of interest as published in the “Money Rates”
section of The Wall Street Journal for the calendar month preceding the month in which the Billing Period begins, rounded
upward if necessary, to the nearest .001% (“Index”). 
An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of Finance Charge and
may increase the amount of your minimum payment due.

Penalty Rate

If you fail to pay all or part of your Minimum Payment Due by the Payment Due Date shown on your Statement for three
consecutive Billing Periods, we may apply a penalty APR ("Penalty Rate") to the existing balance of your Account and to all
new purchases. 
We will provide you notice of this rate increase, when it will apply to your account, and for how long it will apply to your
account, as required by applicable law. 
The Penalty Rate will apply to your Account until such time as any delinquency is cured and your account is kept in a current
and satisfactory status for six (6) consecutive billing periods. On the seventh billing period the Penalty Rate will no longer
apply and your Account will be subject to the Daily Periodic Rate of Finance Charge and corresponding APR. 
If you fail to make your required minimum monthly payments during the Penalty period, the Penalty Rate will continue to apply.
Your monthly statement will disclose the applicable Penalty Rate for the Billing Period and are incorporated herein by
reference.

Other fees and charges
You agree to pay the following fees and charges:

Late Fee: If you don’t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee.

The fee is $25 if you were not charged a late fee during any of the prior six billing periods.
Otherwise, the fee is $35.
This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was
assessed.

Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any reason.

The fee is $25 if you were not charged a returned payment fee during any of the prior six billing periods.
Otherwise, the fee is $35.
This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was
assessed.
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):

Statement copy - $6.00
Sales/Credit Draft copy - $6.00
Check/Money Order copy - $6.00

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. Currently, that fee is up to $15.00 but may change. We’ll let you know the current fee before you
authorize any payment(s), and you can withdraw your request if you don’t want to pay the fee.
Cash Advance Fee: For any cash advance obtained in person from a financial institution or through an ATM, you will pay a
transaction fee equal to the greater of $10.00 or 4% of the amount of the cash advance, per cash advance. You take a cash
advance if you use a convenience check; get money through an automated teller machine (ATM); or get money through a
financial institution.
Convenience Check Fee: For any convenience check written against your Account you will pay a transaction fee equal to the
greater of $10.00 or 4% of the amount of the convenience check, per convenience check.
Balance Transfer Fee: For any balance transfer from another account, you will pay a transaction fee equal to the greater of
$10.00 or 4% of the amount of the balance transfer.
Foreign Transaction Fee: For any charge or cash advance outside the US, you will pay a Foreign Transaction Fee equal to
3% of the US dollar amount of the foreign transaction. If a charge or cash advance made outside of the US is converted into
US dollars our network providers (Visa, MasterCard, and Discover) will select either (1) a rate from the range of rates available
in wholesale currency markets for the applicable central processing date, which may vary from the rate the network provider
itself receives, or (2) a government-mandated rate in effect for the applicable central processing date.
Return Convenience Check Fee: You also agree to pay a fee of up to $35.00 for each convenience check written against
your Account which fails to clear and is returned unsatisfied.

You agree to pay a fee of up to $35.00 for each convenience check written against your Account on which we stop payment
at your request.

E. Other Important Information
Collection Costs
As permitted under applicable law, you agree to pay the reasonable costs for collecting amounts due, including reasonable
attorney’s fees and court costs incurred by us or another person or entity.
Changes
We may add, change, or delete the terms of your Account. If required by 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
Please notify us immediately of any changes to your name or address.
Governing Law
THIS AGREEMENT IS GOVERNED BY DELAWARE AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE
SPEAKING OF WHEN WE REFER TO A TERM PERMITTED OR REQUIRED BY APPLICABLE LAW.
Transfer of Rights/Assignment
Your rights under this Agreement can’t be transferred by you, by operation of law or otherwise, but your obligations will be
binding upon your estate or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of
our rights under this Agreement, to another person or entity at any time without prior notice to you or your consent.
No Waiver of Rights
We can delay enforcing our rights under this Agreement without losing them.
Severability
If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform
with applicable law.

F. Disputes & Reporting to Credit 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.
You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about
your account to credit bureaus.
You give us permission to provide information about your Account to credit bureaus 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 Bank, PO Box 182789, Columbus, OH 43218-2789.  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 Bank, PO Box 182782, Columbus, OH 43218-2782
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 Bank 
PO Box 182782, Columbus, OH 43218-2782
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will
tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

G. Optional Products
Credit insurance (as applicable)
Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to
your Account as a purchase on the last day of each Billing Period. You can cancel your coverage at any time.
Account Assure Pro debt cancellation (as applicable)

Purchasing Account Assure Pro is optional.
Your decision whether or not to purchase Account Assure Pro won’t affect your application for credit or the terms of any
existing credit agreement you have with Comenity Bank.
The monthly fee for Account Assure Pro is based on the outstanding monthly balance on your Account each month and will be
added to your Statement.
We’ll provide additional information before you’re required to pay for Account Assure Pro. This will include a copy of the
contract containing the terms and conditions pertaining to Account Assure Pro. 
You can cancel your Account Assure Pro at any time. 
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Account
Assure Pro. 
Be sure to carefully read the contract for a full explanation of the terms of Account Assure Pro.

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, contractors and collectors of your Account, to communicate with you in any way, such as calling, texting, or e-
mail via:

1.  a cell, landline, or text number you provide, use to contact us, or at which we believe we can reach you (even if it is not

yours),

2.  any email address you provide to us or one of our merchants,
3.  automated dialer systems and automatic telephone dialing systems,
4.  pre-recorded or artificial voice messages and other forms of communications.

You also agree that these communications aren’t unsolicited for purposes of any state or federal law, and you understand that
this may result in additional mobile, text message, or data 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.

For Wisconsin residents:
If you are married, please contact us immediately upon receipt of this Agreement at 1-866-886-1013 (TDD/TTY 1-800-695-1788)
and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit
account for you.
For bankruptcy notifications:
All bankruptcy notices and related correspondence to Comenity Bank should be sent to the following address: Comenity Bank,
Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125.

I. Arbitration and jury trial waiver
A. Jury Trial Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A
LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE
ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH
REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
B. Notice and Cure
Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further
defined below, a “Claim”), the party asserting the Claim (the “Claimant”) shall give the other party (the “Defendant”) written notice
of the Claim (a “Claim Notice”) and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to
you shall be sent in writing to the address we have in our records (or any updated address you subsequently provide to us). Any
Claim Notice to us shall be sent by mail to Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any updated
address we subsequently provide). Any Claim Notice you send must provide your name, address and account number. Any Claim
Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own
behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim
Notice on your behalf. The Claimant must reasonably cooperate in providing any information about the Claim that the other party
reasonably requests.
C. Arbitration Provision
READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN
ACCORDANCE WITH PARAGRAPH C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A
SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST
EACH OTHER NOW OR IN THE FUTURE.

1.  Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration agreement between you
and us (“Prior Arbitration Agreement”)) to apply, you may reject it by mailing us a written rejection notice which
gives the name of each Cardholder and contains a statement that you (both of you, if more than one) reject the
Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Bank PO Box
182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more
than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card
agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this
Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.

2.  Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the
terms “we,” “us” and “our” mean (a) Comenity Bank, any parent, subsidiary or affiliate of the Bank and the employees,
officers and directors of such companies (the “Bank Parties”); and (b) any other person or company that provides any
services in connection with this Agreement if you assert a Claim against such other person or company at the same time
you assert a Claim against any Bank Party.

3.  Covered Claims: “Claim” means any claim, dispute or controversy between you and us that in any way arises from or

relates to this Agreement, the Account, the issuance of any Card, any rewards program, any prior agreement or account.
“Claim” includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the
advertising related to, application for or approval of the Account. “Claim” has the broadest possible meaning, and includes
initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer
rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any
claim for injunctive or declaratory relief). “Claim” does not include disputes about the validity, enforceability, coverage or
scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition against class
proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the
“Class Action Waiver”), the last sentence of Paragraph C.13 and/or this sentence); all such disputes are for a court and not
an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Agreement as a
whole is for the arbitrator, not a court, to decide.

4.  Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if that party has already
initiated a lawsuit with respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the
other party. We will not demand to arbitrate an individual Claim that you bring against us in small claims court or your
state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the
right to demand arbitration.

5.  Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 1633 Broadway, 10th

Floor, New York, NY 10019, www.adr.org; JAMS is at 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 Section B of the Arbitration and jury trial waiver
Provisions 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).

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