Your Annie Sez or Mandee Credit Card account agreement. 
   This Agreement covers the Terms and Conditions of your account with us. In this document, you will find important information 
    about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use 
    of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms 
    of this agreement, including the assessment of any interest charges and fees. 
    Section I of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. 
    �  You have a right to reject this Arbitration Provision. 
   �  If you do not reject this Arbitration Provision, it will be part of this Agreement and will: 
      o  Eliminate your right to a trial by jury; and 
      o  Substantially affect your rights, including your right to bring, join in or participate in class proceedings. 
   Please read each section carefully and keep this document for your records. 
   In the following sections, you will find information on: 
   Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
   A.  Getting started: the basics of your account 
   B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen, as applicable 
   C.  Learning more about your account: credit plans, credit limits, and how payments are calculated and applied 
   D.  Interest, fees and charges: when and how fees and costs are applied to your account 
   E.  Other important information: legal rights, costs, and how we�ll handle changes to your account 
   F.  Disputes and reporting to consumer reporting agencies: data we provide, and receive from, consumer reporting agencies, and what to do if you think 
      there is an error on your periodic statement 
   G.  Optional products: how to protect your account from fraud or theft, and information on services that can help pay your debt in case of emergencies 
   H.  Communicating with us: what happens when you contact us 
   I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including a jury trial waiver and Arbitration provision 
   Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 
   Financial terms of your account 
    
      Interest Rates and Interest Charges 
                              25.49%   
      Annual Percentage Rate (APR) 
      for Purchases           This APR will vary with the market based on the Prime Rate. 
                               
                              Your due date is at least 25 days after the close of each billing cycle. We will not 
      How to Avoid Paying Interest  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 $1.00 per credit plan 
      For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit 
      Consumer Financial Protection  card, visit the website of the Consumer Financial Protection Bureau 
      Bureau                  at http://www.consumerfinance.gov/learnmore. 
    
      Fees 
                               
      �    Annual Fee 
                              None 
                               
      Penalty Fees             
      �    Late Payment       Up to $38.00 
      �    Returned Payment   Up to $38.00 
                               
    
   How We Will Calculate Your Balance: We use a method called "daily balance." See your Account agreement for more details. 
    
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
   agreement. 
    
   Rate Information: The following chart provides details on your rate as of February 1, 2017. We divide the APR by 365 to determine the daily periodic rate. 
    
                                  Add to Index   APR            Daily Periodic Rate 
         Purchase APR             21.74%         25.49%         0.06983% 
    
   If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect 
   within 30 days of mailing. 
    
   We�ll charge you a minimum interest charge of $1.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section 
   D. 
    
   Minimum Payment:  
   The amount you must pay each billing period ("Total Minimum Payment") is the total of minimum payments for Regular Revolving and promotional Credit Plan 
   purchases plus any Past Due amounts. The Total Minimum Payment won�t be less than $27.00. If your Account balance is less than $27.00, you must pay the 
   amount indicated on your billing statement ("Statement") in full. The minimum payment due for each Regular Revolving Credit Plan will be the greater of:  
           (a) $5.00; or  
           (b) 5% of the New Balance shown on your Statement for that Credit Plan (rounded to the nearest $1.00).  
   See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.  
    The APR information described is accurate as of February 1, 2017.  Due to a change in the index, this information may have changed.   To find out more, call us 
    at 1-888-257-0752 (Annie Sez) or 1-877-756-1958 (Mandee)  (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, Ohio 43218-
   2273 or visit our website at comenity.net/anniesez (Annie Sez) or comenity.net/mandee (Mandee). 
   A. Getting Started 
   Definitions 
   In this Agreement, "We," "Us" and "Our" mean Comenity Bank and any successor or assigns. "You" and "Your" mean each person who submits an application or 
    solicitation for an Account with us. "Account" means your credit card account with us. "Card" means each credit card we issue for your Account, as applicable. 
   "Credit Plan" means one or more payment program options Annie Sez or Mandee may ask us to offer from time to time. 
   Upholding your Agreement 
   �  You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application or solicitation to obtain credit 
      from us, you�ll be legally bound by this Agreement. You�re also legally bound if you sign a charge slip, or permit someone else to use the credit provided. 
   �  You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial 
      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 (as applicable) 
   For your own protection, please sign your Card before using it. Keep in mind that your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
    incurred on your Account. 
   Using your Account 
   �  Your Account may be used to make purchases from Annie Sez or Mandee and other retailers we may determine occasionally by notifying you via electronic 
      mail, statement message, website posting, or other method. 
    �  We reserve the right to not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities. 
   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, use the envelope provided with your Statement and don�t send any 
      correspondence with your payment. 
    �  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. 
    �  All written communications concerning disputed amounts, including any check or other payment instrument marked with "payment in full" or similar language, 
      must be sent to 6550 North Loop 1604 East, Suite 101, San Antonio, Texas 78247-5004. 
      o  We may accept a payment sent to any other address without losing any of our rights. 
      o  No payment shall operate as an accord and satisfaction without our prior written approval. 
   B. Keeping your account in good standing 
   Avoiding default 
   You�ll be in default under this Agreement if you: 
   �  Fail to make any payment when due 
   �  Violate any provision of this Agreement 
   �  Pass away 
   �  Become the subject of bankruptcy or insolvency proceedings 
   �  Supply us with misleading, false, incomplete or incorrect information 
    �  Are unable or unwilling to perform the terms or conditions of this Agreement 
    �  Fail to supply us with any information we deem necessary 
    �  Default under any other loan or agreement you have with us or any of our affiliates 
    �  Become incompetent 
    �  Exceed your Credit Limit 
    �  Issue a payment returned unpaid by your bank for any reason 
    If we consider your Account in default, we may suspend your ability to make charges, close your Account, require you to pay the full amount you owe immediately 
    or take any other action permitted by law. If applicable law requires us to do so, we'll tell you in advance and/or give you the opportunity to remedy your default. 
   Reporting a lost or stolen card (as applicable) 
   If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at PO Box 182273, Columbus, 
    Ohio 43218-2273 or call us at 1-888-257-0752 (Annie Sez) or 1-877-756-1958 (Mandee)  (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 ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their 
      particular features (including but not limited to minimum purchase requirements and minimum payment) may vary occasionally at our discretion and include 
      one or more Regular Revolving or promotional Credit Plans. 
    �  We may offer different promotional Credit Plans from time to time. 
    �  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 fees, returned payment fees and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular Credit Plan 
      offering. 
    �  If the promotional Credit Plan purchase isn't paid in full before the promotional period ends, the balance will be transferred to your Regular Revolving balance. 
    �  Promotional Credit Plans may include: 
      o  Waive Interest, Payment Required 
      o  Waive Interest, Equal Payment 
      o  Waive Interest, Low Payment 
      o  Defer Interest, Equal Payment 
      o  Defer Interest, Payment Required 
      o  Defer Interest, Low Payment 
      o  Low APR, Equal Payment 
      o  Budget Payment 
   Skip-payment option 
   �  At our discretion, we may allow you to skip making the Minimum Payment. 
    �  Interest Charges will be assessed during the skip-payment period, but a late fee won�t be imposed.  This will not be considered a waiver of any of the rights 
      granted by this Agreement. 
    �  All other terms of your Account apply during the skip-payment period. 
   Credit limit 
   �  Your Credit Limit is the total maximum amount we permit you to owe us at any time. 
   �  You may not exceed any Credit Limit that we set for your Account. 
   �  If you do exceed your Credit Limit, we can still charge you for all transactions, interest and other charges without giving up any of our rights under this 
      Agreement. 
   �  We may change your Credit Limit at any time. 
   Account cancellation 
   �  You may cancel your Account. You�re still obligated to pay the full amount you owe us. 
    �  We may cancel your Account at any time, for any reason. 
   �  We may refuse to authorize any purchase 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 stop offering 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. 
   Minimum Payment 
   �  You can pay all of your Account balance at any time without penalty. 
   �  You must pay at least the Total Minimum Payment for each billing period by the Payment Due Date shown on your Statement. 
    �  The 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 won�t be less than $27.00. If your Account balance is less than $27.00, you must pay the amount indicated on your Statement 
      in full. 
    �  The minimum payment for each Credit Plan is calculated as follows: 
      o  The minimum payments for Regular Revolving Credit Plans, Waive Interest, Payment Required and Defer Interest, Payment Required Credit Plans will 
         be the greater of: 
           (a) $5.00; or 
           (b) 5% (rounded to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 
      o  The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided 
         by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. 
      o  The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated interest charges that 
         will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase 
         and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. 
      o  The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment Credit Plans will be the greater of: 
           (a) $5.00 or 
           (b) 1.0% (rounded to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan. 
      o  For each Budget Payment Credit Plan or Open Charge Budget Payment Credit Plan, fixed monthly payments of $49, $99, $149, $199, or $299, based 
         on the transaction amount. 
      o  For Open Charge credit plans (except Open Charge Budget Payment Credit Plans), if your balance increases during the Open Charge period, your 
         minimum payment will increase. The minimum payment for each Open Charge plan will be calculated based on the above Credit Plans. 
   Payment application 
   �  We reserve the right to apply payments equal to or less than the Total Minimum Payment however we see fit, which may result in balances subject to lower 
      interest rates being paid prior to other balances. This may also result in higher interest charges. 
   �  Any payment you make in excess of the required Total Minimum Payment will be allocated to your Account as required by applicable law. 
   �  Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing 
      periods of the promotional period. 
   D. Interest, fees and charges 
   Interest charges 
   �  If you make a purchase under a Regular Revolving Credit Plan, interest charges won�t be imposed in any billing period in which (i) no Previous Balance exists 
      or (ii) payments received and credits issued by the Payment Due Date, equal or exceed the Previous Balance. 
    �  If the New Balance shown on your last Statement isn't paid in full by the Payment Due Date shown on your last Statement, there will be an interest charge 
      on each purchase from the date of purchase. 
    �  If you make a purchase under any Waive Interest Credit Plan, we won't charge interest on the purchase if you pay the total purchase amount before the end 
      of the promotional period. If you don't pay the total purchase amount before the end of the promotional period, we'll add the remaining amount to your Regular 
      Revolving balance. We'll also begin charging interest on the purchase from the first day after the promotional period ends. 
    �  If you make a purchase under any Defer Interest Promotional Credit Plan and don't pay the total amount before the end of the promotional period, we'll add 
      the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance. 
    �  If you make a purchase under a Low APR, Equal Payment Credit Plan, interest will be assessed from the date of purchase through the end of the promotional 
      period. 
   How we calculate Interest Charges on your Account 
   We calculate interest separately for each Credit Plan, using a "Daily Balance" to determine interest charges for each billing period. Our calculation method is as 
    follows: 
    �  We start with the beginning balance on your Account each day (including unpaid interest charges and fees). 
    �  We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new transactions and debit adjustments posted 
      as of that day. This gives us the "Partial Daily Balance" for the day. 
    �  We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate. This gives us the "Daily Interest Charge" for the day, which we add to the 
      day�s Partial Daily Balance. 
    �  We�ve now determined the "Daily Balance," which will be the beginning balance for the following day. This results in daily compounding of interest charges. 
    �  At the end of each billing period, we add together each Credit Plan�s Daily Interest Charge, which gives us the total interest charge. 
    �  Your Statement will show a Balance Subject to Interest Rate, which is the sum of the Daily Balances for each day in the billing period divided by the total 
      number of days. 
   Rates 
   �  To calculate a variable rate, for each billing period, we use an Index.  The Index is the U.S. Prime Rate published in the �Money Rates� section of The Wall 
      Street Journal on the last business day of the calendar month preceding the month in which the billing period begins. (Our business days are Monday through 
      Friday, excluding holidays.)    
    �  Any variable APR will increase on the first day of the billing period after the Index increases. 
    �  An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of interest and may increase the Total Minimum 
      Payment. 
   Other fees and charges 
   You agree to pay the following fees and charges: 
   �  Late Fee: If you don�t pay at least the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. 
      o  The fee is $27.00 if you were not charged a late fee during any of the prior six billing periods. 
      o  Otherwise, the fee is $38.00. 
      o  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. 
      o  The fee is $27.00 if you were not charged a returned payment fee during any of the prior six billing periods. 
      o  Otherwise, the fee is $38.00. 
      o  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), subject to any limitations of applicable law: 
      o  Statement copy - $6.00 
      o  Sales/Credit Draft copy - $6.00 
      o  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, subject to any limitations of applicable law. 
      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. 
   E. Other important information  
   Collection costs 
   You agree to pay our reasonable costs for collecting amounts due, including reasonable attorneys� fees and court costs incurred by us or another person or entity, 
   to the extent not prohibited by applicable law and except as provided below. 
    �  AL Residents: We will not charge attorneys� fees if your unpaid balance is $300 or less. 
   �  MD Residents: We will not charge you for costs other than attorneys� fees. 
   �  NH Residents: Reasonable attorneys� fees may be awarded to you if you prevail in any action by or against us. 
   �  WI Residents: If legal action is taken, we may seek statutory attorneys� fees and costs, which you will pay if they are granted by the court. 
   Changes 
   We may add, change, or delete the terms of your Account. If required by applicable law, we will give you advance written notice of the change(s) and a right to 
    reject the change(s). 
   Security Interest 
   You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and proceeds 
   of such goods. We waive any security interest we may have in your principal dwelling, to the extent that it would otherwise secure any obligation arising hereunder. 
   Changes to your information 
   You agree to notify us immediately of any changes to your name, mailing address, electronic mail address or telephone number(s). 
   Governing Law 
   THIS AGREEMENT IS GOVERNED BY 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. 
   Notice to New Jersey Residents 
   All provisions of this agreement are valid, enforceable and applicable in New Jersey. 
   F. Disputes and Reporting to Consumer Reporting Agencies 
   Credit Reports 
   �  You give us permission to investigate your credit record. 
   �  You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection 
      with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the 
      name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise 
      submitting an application or solicitation. 
   �  You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer 
      reporting agencies. 
    �  You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name 
      appears on your Card. 
   Credit report disputes 
   If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, PO Box 
   182789, Columbus, Ohio 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, Ohio 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, Ohio 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 Debt Cancellation (as applicable) 
   �  Purchasing Account Assure is optional. 
    �  Enrolling in Account Assure does not affect the terms of your existing credit agreement. 
    �  The Account Assure fee is based on your monthly statement balance, which is your balance on the last day of each billing period. 
    �  You will receive terms and conditions, which you should carefully read for all benefit details and exclusions.  
    �  You may cancel Account Assure at any time. 
    �  If you are currently unemployed, disabled, hospitalized or retired you are not eligible for Account Assure benefits for your present situation; however, you may 
      be eligible for other benefits based on future events.   
   H. Communicating with us 
   Communicating to you about your Account 
   If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, independent 
    contractors, contractors, debt collectors or collection agencies, and to anyone to whom we may sell your Account, to communicate with you in any way, such as 
    calling, texting, or email via: 
    1.   Your cell, landline, text number or any number you provide, use to contact us, or any number which you may utilize, or to any other device or service for 
         which you may be charged for the call, including, but not limited to, Voice Over Internet Protocol (�VOIP�); 
    2.   Any email address you provide to us or any other person or company that provides any services in connection with this Agreement; 
    3.   Automated telephone dialing systems; 
    4.   Pre-recorded or artificial voice messages and any other form of communication. 
    You also agree that these communications aren�t unsolicited for purposes of any state or federal law and you understand that communications may result in 
    additional mobile, text message, data charges or other charges. 
   Phone monitoring 
   �  To provide you with high-quality service, phone communication with us is monitored and/or recorded.   
    �  You agree that we monitor and/or record any phone calls between you and us.   
    �  Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 
   Communication in Languages Other Than English 
   You agree to receive all communications and correspondence relating to your Account in English. We may, at our option, communicate with you and/or provide 
   translated documents in a language other than English. Any such communications or documents are provided solely as a courtesy. We may stop communicating 
   with you in non-English languages and/or providing translated documents at any time. While we have attempted to ensure the accuracy of our translations, we are 
   not liable for any inaccuracies in translation or for any misunderstandings due to differences in language usage or dialect. In the event of any inconsistencies 
   between the English version and the translation, the English version will control. 
   For Wisconsin residents: 
   If you are married, please contact us immediately upon receipt of this Agreement at 1-888-257-0752 (Annie Sez) or 1-877-756-1958 (Mandee)  (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, Ohio 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, Ohio 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it 
   within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this 
   Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit. 
   2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms "we," "us" and "our" mean (a) 
   Comenity Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the "Bank Parties"); and (b) any other 
   person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the same time 
   you assert a Claim against any Bank Party. 
   3. Covered Claims:  "Claim" means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, 
   the issuance of any Card, any rewards program, any prior agreement or account. "Claim" includes disputes arising from actions or omissions prior to the date any 
    Card was issued to you, including the advertising related to, application for or approval of the Account. "Claim" has the broadest possible meaning, and includes 
    initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, 
    constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). "Claim" does not include disputes about 
    the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition against class proceedings, 
    private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the "Class Action Waiver"), the last sentence of Paragraph 
    C.13 and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or 
    enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. 
    4. Starting an Arbitration:  Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with respect to a 
    different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim that you bring 
    against us in small claims court or your state�s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the 
    right to demand arbitration. 
    5. Choosing the Administrator:   "Administrator" means the American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 
    10019, www.adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com ; or any other company selected by mutual agreement of the 
   parties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected 
   by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator must be a retired or 
    former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written notice of your selection with your notice that 
    you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim (or, if you dispute our right to require 
   arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any 
   language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator 
   that has in place a formal or informal policy that is inconsistent with the Class Action Waiver. 
   6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE 
   RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS 
   MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE 
   AVAILABLE IN ARBITRATION.  
   7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A 
   CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR 
   WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE 
   JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER 
   OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
   8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay any and 
   all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this 
   Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys� and experts� fees if you prevail or if we must bear such 
   fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
   9. Governing Law:  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the "FAA"), and not 
   by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of 
   privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action were pending in court (including, 
   without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the 
   arbitrator must provide a brief written explanation of the basis for the award. 
   10. Right to Discovery:  In addition to the parties� rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit a written 
   request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to 
   grant or deny that request. 
   11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s award may be entered by any court having jurisdiction. The arbitrator�s decision is 
   final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive or 
   declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award by 
   the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award 
   requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to "the arbitrator" shall mean the panel 
   if an appeal of the arbitrator�s decision has been taken. The costs of such an appeal will be borne in accordance with Paragraph C.8. above. 
    12. Rules of Interpretation:  This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of the Account, any
    legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law.  In the event of a conflict or inconsistency between this Arbitration
    Provision, on the one hand, and the applicable arbitration rules or the other provisions of this Agreement, on the other hand, this Arbitration Provision shall govern.
    This Arbitration Provision replaces any Prior Arbitration Agreement.
    13. Severability:  If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the remaining portions shall
    nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain
   in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal.
   14. Special Payment:  If (1) you submit a Claim Notice in accordance with Paragraph B above on your own behalf (and not on behalf of any other party); (2) we
   refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator
   shall award you at least $5,100 (plus any fees and costs to which you are entitled).
                                                                    ***CC Agreement CCA ID***  
   Contrato de su cuenta de tarjeta de cr�dito de Annie Sez or Mandee. 
   El presente Contrato trata los T�rminos y condiciones de su cuenta con nosotros. En este documento, encontrar� informaci�n 
   importante respecto al uso y la administraci�n de su cuenta, lo que incluye una Declaraci�n de privacidad e informaci�n sobre 
   sus derechos de facturaci�n. El uso de su cuenta, o el hecho de no cerrar la cuenta dentro de los 30 d�as posteriores a la recepci�n 
   de este documento, se�ala su aceptaci�n de los t�rminos del presente contrato, lo que incluye el c�lculo de cualquier cargo por 
   intereses y tarifas. 
   La secci�n I del presente Contrato tambi�n incluye una Renuncia al juicio por jurado y una Disposici�n sobre el arbitraje 
   en caso de existir alguna disputa. 
   �  Tiene el derecho a rechazar esta Disposici�n sobre el arbitraje.
   �  Si no rechaza la Disposici�n sobre el arbitraje, formar� parte del presente Contrato y:
      o eliminar� su derecho al juicio por jurado; y
      o afectar� sustancialmente sus derechos, incluido su derecho a entablar, unirse a, o participar en, demandas
        colectivas.
   Por favor, lea detenidamente cada secci�n y conserve este documento en sus archivos. 
   En las siguientes secciones, encontrar� la siguiente informaci�n: 
   T�rminos financieros de su cuenta: un resumen global de las tarifas y los cargos asociados a su cuenta 
   A. Punto de partida: los fundamentos de su cuenta
    B. Mantener su cuenta al d�a: c�mo evitar la morosidad, y qu� hacer si su tarjeta es extraviada o robada
    C. M�s informaci�n acerca de su cuenta: planes de cr�dito, l�mites de cr�dito, y c�mo se calculan y procesan los pagos
    D. Intereses, tarifas y cargos: cu�ndo y c�mo se aplican las tarifas y los gastos a su cuenta
    E. M�s informaci�n importante: derechos legales, gastos, y c�mo manejaremos los cambios de su cuenta
    F. Disputas e informes a las agencias de informes crediticios: los datos que proporcionamos a las agencias de informes crediticios y recibimos de las
      mismas, y qu� debe hacer si considera que hay alg�n error en su estado de cuenta peri�dico
    G. Productos opcionales: c�mo proteger su cuenta del fraude o del hurto, e informaci�n sobre los servicios que pueden ayudarle a pagar su deuda en caso
      de emergencia
    H. Comunicaci�n con nosotros: qu� sucede cuando se comunica con nosotros
    I. Arbitraje y renuncia al juicio por jurado: c�mo resolveremos los desacuerdos, incluida la renuncia al juicio por jurado y la Disposici�n sobre el arbitraje
    Declaraci�n de privacidad: c�mo recopilamos, utilizamos, compartimos y protegemos su informaci�n personal; y las decisiones que puede tomar respecto a la
    privacidad
   T�rminos financieros de su cuenta 
      Tasas de inter�s y cargos por intereses 
      Tasa de porcentaje anual (Annual  25.49%
      Percentage Rate, APR) para 
                              Esta APR variar� con el mercado seg�n la tasa de inter�s preferencial. 
      compras 
                              Su fecha de vencimiento es al menos 25 d�as despu�s del cierre de cada ciclo de 
      C�mo evitar el pago de intereses  facturaci�n. No le cobraremos intereses sobre compras si paga la totalidad de su 
                              saldo a m�s tardar en la fecha de vencimiento cada mes.   
      Cargo m�nimo por intereses  Si se le cobran intereses, el cargo no ser� inferior a $1.00 por plan de cr�dito 
      Para obtener consejos sobre  Para obtener m�s informaci�n sobre los factores que debe considerar al 
      tarjetas de cr�dito de la Oficina  solicitar o utilizar una tarjeta de cr�dito, visite el sitio web de la Oficina para la 
      para la Protecci�n Financiera del  Protecci�n Financiera del Consumidor 
      Consumidor              en http://www.consumerfinance.gov/learnmore. 
      Tarifas 
      �    Tarifa anual       Ninguna 
      Tarifas por penalizaciones 
      �    Pago atrasado      Hasta $38.00 
      �    Pago devuelto      Hasta $38.00 
   C�mo calcularemos su saldo: utilizamos un m�todo denominado �saldo diario�. Para obtener m�s informaci�n, consulte el 
   contrato de su cuenta. 
   Derechos de facturaci�n: en el contrato de su cuenta puede encontrar informaci�n sobre sus derechos para disputar 
   transacciones y c�mo ejercerlos. 
   Informaci�n sobre tasas: la tabla a continuaci�n brinda detalles sobre su(s) variable a partir del 1 de febrero de, 2017. Para establecer una tasa diaria peri�dica, 
   dividimos la APR por 365. 
                                  Agregar al �ndice  APR        Tasa diaria peri�dica 
         Tasa porcentual anual (Annual Percentage  21.74%  25.49%  0.06983% 
         Rate, APR) de compra 
   Si se le proporcion� este Acuerdo en el punto de venta, consulte el Acuerdo que se le envi� junto con un paquete de bienvenida de su nueva cuenta para obtener 
   informaci�n acerca de la tasa porcentual anual (Annual Percentage Rate, APR) variable vigente en un plazo de 30 d�as posteriores a su env�o por correo. 
   Le cobraremos un cargo por inter�s m�nimo de $1.00 por plan de cr�dito durante cualquier per�odo de facturaci�n en el que se adeuden intereses. Para obtener 
   informaci�n adicional, consulte las Tasas en la Secci�n D. 
   Pago m�nimo: 
   El monto que debe pagar en cada per�odo de facturaci�n (�Pago m�nimo total�) es el total de los pagos m�nimos por las compras del Plan de cr�dito rotativo 
   habitual y promocional adem�s de cualquier monto vencido. El Pago m�nimo total no ser� inferior a $27.00. Si el Saldo de su cuenta es inferior a $ 27.00, debe 
   pagar la totalidad del monto se�alado en su estado de facturaci�n (�Estado de cuenta�). El pago m�nimo vencido por cada Plan de cr�dito rotatorio habitual ser� 
   el monto superior entre:  
           (a) $5.00; o bien
           (b) 5% del nuevo saldo reflejado en su Estado de cuenta para este Plan de cr�dito (redondeado al d�lar m�s cercano $1.00).
   Consulte el pago m�nimo en la Secci�n C a continuaci�n para ver los c�lculos del pago m�nimo para los planes de cr�dito promocionales.  
   La informaci�n sobre la APR descrita es exacta a partir del  1 de febrero de, 2017. Debido a un cambio en el �ndice, es posible que haya cambiado esta informaci�n. 
   Para obtener m�s informaci�n, ll�menos al 1-888-257-0752 (Annie Sez) o bien 1-877-756-1958 (Mandee)  (TDD/TTY: 1-800-695-1788), o escr�banos a Comenity 
   Bank, PO Box 182273, Columbus, Ohio 43218-2273 o visite nuestro sitio web en comenity.net/anniesez (Annie Sez) o bien comenity.net/mandee (Mandee). 
   A. Introducci�n
   Definiciones 
   En el presente Acuerdo, �nosotros�, �nos� y �nuestro� hacen referencia a Comenity Bank y a cualquier sucesor o cesionario. �Usted� y �su� hacen referencia a 
   cada persona que presenta alguna solicitud o petici�n de una Cuenta con nosotros. �Cuenta� hace referencia a su cuenta de tarjeta de cr�dito con nosotros. 
   �Tarjeta� hace referencia a cada tarjeta de cr�dito que emitimos para su Cuenta. �Plan de cr�dito� hace referencia a una o m�s opciones del programa de pago 
   Annie Sez or Mandee que nos puede solicitar que ofrezcamos ocasionalmente. 
   Cumplimiento de su Contrato 
   �  Usted acepta los t�rminos del presente Contrato, y se compromete a hacer todo lo que se le haya exigido. Si firma o presenta una solicitud o petici�n para
      obtener alg�n cr�dito de nosotros, quedar� vinculado por el presente Contrato. Adem�s est� obligado legalmente si firma un comprobante de cargo, o
      permite que otra persona utilice el cr�dito proporcionado.
    � Usted acuerda que el cr�dito otorgado en su Cuenta ser� utilizado �nicamente para fines personales, familiares o dom�sticos y no para fines empresariales
      o comerciales.
    � Si la Cuenta es una Cuenta conjunta, usted y el titular conjunto de la Cuenta quedar�n vinculados por el presente Contrato. Cada uno de ustedes ser�
      responsable a t�tulo conjunto e individual por el pago de todos los montos vencidos. Si m�s de una persona es responsable de esta Cuenta, �nicamente
      podremos proporcionarles los estados de cuenta y las comunicaciones a uno de ustedes.
    � Cualquier usuario autorizado de su Cuenta quedar� vinculado por los t�rminos del presente Contrato. Podr� emitirse una Tarjeta adicional con el nombre
      individual del usuario autorizado grabado en la Tarjeta. Si desea revocar el uso de su Cuenta por parte de alg�n usuario autorizado, puede escribirnos a la
      direcci�n, o llamarnos al n�mero telef�nico, que figura en su Estado de cuenta.
    � Usted acuerda pagar todas las transacciones realizadas por cualquier usuario autorizado en su Cuenta, ya sea o no que usted haya autorizado tales
      transacciones o se hayan realizado a su favor.
   Firma de la Tarjeta (seg�n corresponda) 
   Para su protecci�n, firme su Tarjeta antes de utilizarla. Tenga presente que su firma en la Tarjeta no es un requisito previo para su obligaci�n de pagar los montos 
    incurridos en su Cuenta. 
   Uso de su Cuenta 
   �  Su Cuenta podr� utilizarse para realizar compras en Annie Sez or Mandee y en otros minoristas que hayamos determinado ocasionalmente mediante una
      notificaci�n a usted a trav�s de correo electr�nico, mensaje del estado de cuenta, publicaci�n del sitio web, u otro m�todo.
   �  Nos reservamos el derecho de no reconocer las transacciones relativas a, lo que incluye, entre otras, apuestas, el uso de cajeros autom�ticos en los casinos, 
      y actividades ilegales.
   Efectuar pagos 
   Denuncia de una tarjeta extraviada o robada (seg�n corresponda) 
   Si se percata del extrav�o o robo de su tarjeta de cr�dito o alg�n posible uso no autorizado de su tarjeta, debe escribirnos de inmediato a PO Box 182273, 
   Columbus, Ohio 43218-2273 o llamarnos al 1-888-257-0752 (Annie Sez) o bien 1-877-756-1958 (Mandee)  (TDD/TTY: 1-800-695-1788). Usted no ser� 
   responsable por ning�n uso no autorizado que haya ocurrido despu�s de habernos notificado. No obstante, podr� ser responsable por el uso no autorizado que 
   ocurra antes de habernos notificado. En cualquier caso, su responsabilidad legal no ser� superior a $50. 
   C. M�s informaci�n acerca de su cuenta
   Planes de cr�dito 
   �  Su Cuenta podr� comprender un Plan de cr�dito no promocional (�Rotatorio habitual�) y uno o m�s Planes de cr�dito promocionales. Los Planes de cr�dito
      ofrecidos y sus caracter�sticas particulares (incluidos, entre otros, los requerimientos de compra m�nima y el pago m�nimo) pueden variar ocasionalmente a
      nuestra discreci�n e incluyen uno o m�s Planes de cr�dito rotativos habituales o promocionales.
   �  En ocasiones podemos ofrecer distintos Planes de cr�dito promocionales.
    � Si al momento de abrir su Cuenta le ofrecemos un Plan de cr�dito promocional, el presente Contrato incluir� informaci�n sobre los t�rminos del Plan,
      mediante el uso de un ap�ndice, anexo, u otra informaci�n escrita proporcionada como parte del presente Contrato.
    � Las tarifas habituales por pagos atrasados, pagos devueltos y todas las dem�s disposiciones aplican a cualquier Plan de cr�dito promocional, salvo que sea
      incoherente con la oferta particular de alg�n Plan de cr�dito.
    � Si el Plan de cr�dito promocional no se paga en su totalidad antes de finalizar el per�odo promocional, el saldo ser� transferido a su saldo Rotativo habitual.
    � Los Planes de cr�dito promocionales pueden incluir:
      o  Exenci�n de intereses, pago requerido
      o  Exenci�n de intereses, pago igual
      o  Exenci�n de intereses, pago menor
      o  Aplazamiento de intereses, pago igual
      o  Aplazamiento de intereses, pago requerido
      o  Aplazamiento de intereses, pago menor
      o  APR baja, pago igual
      o  Pago seg�n el presupuesto
   Opci�n de omisi�n de pago 
   �  A nuestra discreci�n, podemos permitirle omitir el pago m�nimo.
    � Ser�n calculados los cargos financieros durante el per�odo de omisi�n de pago, pero no se impondr� una tarifa por pago atrasado. Esto no ser� considerado
      una renuncia de ninguno de los derechos concedidos por el presente Contrato.
    � Todos los dem�s t�rminos de su Cuenta ser�n de aplicaci�n durante el per�odo de omisi�n de pago.
   L�mite de cr�dito
   �  Su l�mite de cr�dito es el monto total m�ximo que le permitimos adeudarnos en cualquier momento.
    � No puede superar ning�n l�mite de cr�dito que establezcamos para su Cuenta.
    � Si supera su l�mite de cr�dito, todav�a podemos cobrarle todas las transacciones, los intereses y otros cargos sin renunciar a ninguno de nuestros derechos
      en virtud del presente Contrato.
    � Nosotros podemos cambiar su l�mite de cr�dito en cualquier momento.
   Cancelaci�n de la Cuenta
   �  Usted podr� cancelar su Cuenta. Est� obligado a pagar el monto total adeudado a nosotros.
   �  Usted podr� cancelar su Cuenta en cualquier momento y por cualquier motivo.
    � Nosotros podemos rehusarnos a autorizar cualquier compra en su Cuenta. Adem�s podemos suspender su Cuenta y su derecho a utilizar la Tarjeta, lo que
      incluye cada Tarjeta que entregue a terceros.
    � Podemos suspender el ofrecimiento de todo Plan de cr�dito en cualquier momento y por cualquier motivo.
    � La cancelaci�n o suspensi�n de su Cuenta no anula su obligaci�n de pagar cualquier monto que nos adeude.
    � La cancelaci�n de su Cuenta incluye a cada Tarjeta que entregue a terceros.
   Pago m�nimo
   �  Puede pagar todo el saldo de su Cuenta en cualquier momento sin incurrir en ninguna penalizaci�n.
   �  Debe pagar al menos el Pago m�nimo total durante cada per�odo de facturaci�n a m�s tardar en la fecha de vencimiento del pago se�alada en su Estado de
      cuenta.
    � El pago m�nimo es el total de los pagos m�nimos por los Planes de cr�dito rotativos habituales y promocionales adem�s de cualquier tarifa o monto.
    � El Pago m�nimo total no ser� inferior a $27.00. Si el Saldo de su cuenta es inferior a $27.00, debe pagar la totalidad del monto se�alado en su Estado de
      cuenta.
    � A continuaci�n se calcula el pago m�nimo para cada Plan de cr�dito:
      o  Los pagos m�nimos de los Planes de cr�dito rotativos habituales, y los Planes de cr�dito de exenci�n de intereses, pago requerido y aplazamiento de
         intereses, pago requerido corresponder�n al monto superior entre:
           (a) $5.00; o
           (b) 5% (redondeado al d�lar m�s cercano $1.00) del nuevo saldo reflejado en su Estado de cuenta para este Plan de cr�dito.
      o  El pago m�nimo de los Planes de cr�dito de exenci�n de intereses, pago igual y aplazamiento de intereses, y pago igual ser� el monto de la compra
         dividido por la cantidad de meses entre la fecha de la compra y la fecha de finalizaci�n del per�odo promocional (un m�nimo de $ 5.00) redondeado al
         d�lar ($1.00) m�s cercano.
      o  El pago m�nimo del Plan de cr�dito de APR baja, y pago igual ser� el monto de la compra, incluidos los cargos por intereses calculados desde la fecha
         de la compra hasta el final del per�odo promocional, dividido por la cantidad de meses entre la fecha de la compra y la fecha de finalizaci�n del per�odo
         promocional (un m�nimo de $5.00) redondeado al d�lar ($1.00) m�s cercano.
      o  Los pagos m�nimos de los Planes de cr�dito de exenci�n de intereses, pago bajo y aplazamiento de intereses, y pago bajo ser�n el monto superior
         entre:
           (a) $5.00; o
           (b) 1.0% (redondeado al d�lar m�s cercano $1.00) del nuevo saldo reflejado en su Estado de cuenta para ese Plan de cr�dito
      o  Por cada Plan de cr�dito de pago seg�n el presupuesto o Plan de cr�dito de pago seg�n el presupuesto de cuenta abierta se realizar�n pagos fijos
         mensuales de $49, $99, $149, $199 o $299, seg�n el monto de la transacci�n.
      o  Para los Planes de cr�dito de cuenta abierta (excepto los Planes de cr�dito de pago seg�n el presupuesto de cuenta abierta), si su saldo se
         incrementa durante el per�odo de la cuenta abierta, se incrementar� su pago m�nimo. El pago m�nimo para cada Plan de cuenta abierta se calcular�
         seg�n los Planes de cr�dito antes mencionados.
   Imputaci�n de pagos 
   �  Nos reservamos el derecho de aplicar pagos equivalentes o menores al Pago m�nimo total seg�n lo consideremos relevante, lo cual puede ocasionar el
      pago de saldos sujetos a tasas de inter�s inferiores antes de otros saldos. Esto tambi�n puede ocasionar cargos por intereses m�s altos.
   �  Cualquier pago que realice por encima del Pago m�nimo total ser� asignado a su Cuenta conforme lo exige la ley vigente.
   �  Los pagos excesivos recibidos antes del vencimiento de una promoci�n de aplazamiento de intereses son aplicados primero al saldo promocional de
      aplazamiento de intereses en los �ltimos dos per�odos de facturaci�n del per�odo promocional.
   D. Intereses, tarifas y cargos
   Cargos por intereses 
   �  Si realiza alguna compra en virtud de un Plan de cr�dito habitual rotatorio, no se impondr�n cargos por intereses en ning�n per�odo de facturaci�n en el que
      (i) no exista ning�n saldo anterior o (ii) los pagos recibidos y cr�ditos emitidos para la fecha de vencimiento del pago, equivalen o superan al saldo anterior.
    � Si el nuevo saldo se�alado en su �ltimo Estado de cuenta no se paga completamente a m�s tardar a la fecha de vencimiento del pago se�alada en su �ltimo 
      Estado de cuenta, habr� un cargo por intereses en cada compra partir de la fecha de la compra.
    � Si realiza alguna compra en virtud de cualquier Plan de cr�dito de exenci�n de intereses, no cobraremos intereses por la compra si paga el monto total de
      la compra antes de finalizar el per�odo promocional. Si no paga el monto total de la compra antes de finalizar el per�odo promocional, agregaremos el monto
      restante a su Saldo rotativo habitual. Adem�s comenzaremos a cobrar intereses por la compra a partir del primer d�a posterior a la finalizaci�n del per�odo
      promocional.
    � Si realiza alguna compra en virtud de cualquier Plan de cr�dito promocional de exenci�n de intereses y no paga el monto total antes de finalizar el per�odo
      promocional, agregaremos el monto restante de la compra y el monto de intereses devengados a su Saldo rotativo habitual.
   �  Si realiza alguna compra en virtud de un Plan de cr�dito de APR baja, pago igual, los intereses ser�n calculados a partir de la fecha de la compra hasta
      finalizar el per�odo promocional.
   C�mo calculamos los cargos financieros en su Cuenta 
   Calculamos los intereses de manera independiente para cada Plan de cr�dito, utilizando el �saldo diario� para determinar los cargos por intereses para cada 
    per�odo de facturaci�n. Nuestro m�todo de c�lculo es el siguiente: 
    � Comenzamos con el saldo inicial de su Cuenta cada d�a (incluido cargos por intereses no pagados y tarifas).
    � Restamos cualquier pago o ajuste de cr�dito (tratando cualquier saldo de cr�dito neto como un saldo nulo) y agregamos transacciones nuevas y ajustes de
      d�bito reflejados a partir de ese d�a. Esto nos proporciona el �saldo diario parcial� del d�a.
    � Luego multiplicamos el saldo diario parcial del d�a por la tasa diaria peri�dica. Esto nos proporciona el �cargo por intereses diario� del d�a, el cual agregamos
      al saldo diario parcial del d�a.
    � Ahora hemos determinado el �saldo diario�, el cual ser� el saldo inicial del d�a siguiente. Esto da como resultado la acumulaci�n diaria de los cargos por
      intereses.
    � Al final de cada per�odo de facturaci�n, agregamos cada Cargo por intereses diario del Plan de cr�dito, lo cual nos proporciona el cargo por intereses total.
    � Su Estado de cuenta reflejar� el saldo sujeto a la tasa de intereses, el cual es la suma de los saldos diarios de cada d�a durante el per�odo de facturaci�n
      dividido por la cantidad total de d�as.
   Tasas 
   �  Para calcular una tasa variable para cada per�odo de facturaci�n utilizamos un �ndice. El �ndice es la �tasa de inter�s preferencial� de EE. UU. publicada en
      la secci�n �Tasas monetarias� de The Wall Street Journal el �ltimo d�a h�bil del mes calendario anterior al mes en que comienza el per�odo de facturaci�n.
      (Nuestros d�as h�biles son de lunes a viernes, excluidos los d�as festivos).
   �  Cualquier APR variable se incrementar� el primer d�a del per�odo de facturaci�n posterior a que se incremente el �ndice.
   �  El incremento o la disminuci�n de la APR ocasionar� el correspondiente incremento o la disminuci�n en el monto del inter�s y podr� incrementar el Pago
      m�nimo total.
   Otros cargos y tarifas 
   Usted acuerda pagar los siguientes cargos y tarifas: 
   �  Tarifa por pago atrasado: si no paga al menos el pago m�nimo vencido a m�s tardar a la fecha de vencimiento del pago, le cobraremos una tarifa por pago
      atrasado.
      o  La tarifa es de $27.00 si no le ha sido cobrada una tarifa por pago atrasado durante los seis per�odos de facturaci�n previos.
      o  De lo contrario, la tarifa es de $38.00.
      o  Esta tarifa nunca superar� el pago m�nimo vencido que era pagadero inmediatamente antes de la fecha en que fue calculada la tarifa.
    � Tarifa por pago devuelto: es posible que le cobremos una tarifa por cada pago que su banco no haya reconocido por cualquier motivo.
      o  La tarifa es de $27.00 si no le ha sido cobrada una tarifa por pago devuelto durante los seis per�odos de facturaci�n previos.
      o  De lo contrario, la tarifa es de $38.00.
      o  Esta tarifa nunca superar� el pago m�nimo vencido que era pagadero inmediatamente antes de la fecha en que fue calculada la tarifa.
    � Si bien existe la posibilidad de que decidamos hacerlo, no se nos exige intentar cobrar alg�n pago m�s de una vez.
    � Tarifas por documentos: si le proporcionamos una copia de cualquier Estado de cuenta, factura de venta u otro documento similar a su solicitud (salvo con 
      respecto a cualquier consulta o resoluci�n de los errores de facturaci�n), podemos cobrar a la Cuenta las siguientes tarifas, sujeto a cualquier limitaci�n de
      la ley vigente:
      o  Copia del estado de cuenta: $6.00
      o  Copia de la factura de venta/cr�dito: $6.00
      o  Copia del cheque/giro postal: $6.00
    � Tarifa por m�todos de pago alternativo: podemos ofrecer m�todos de pago alternativo que le permitan realizar pagos individuales y agilizados a su Cuenta 
      por tel�fono. Si elige utilizar este m�todo de pago, podemos imponer la tarifa actual que cobramos por este servicio, sujeto a cualquier limitaci�n de la ley
      vigente. Actualmente, esta tarifa es de hasta $15.00 pero puede cambiar. Le notificaremos la tarifa actual antes de que autorice cualquier pago, y puede
      anular su solicitud si no desea pagar la tarifa.
   E. M�s informaci�n importante
   Gastos de cobro 
   Usted acuerda pagar los gastos razonables por el cobro de los montos adeudados, incluidos los honorarios de abogados razonables y costos judiciales 
   incurridos por nosotros o por otra persona o entidad, en la medida que no lo proh�ba la ley vigente y con la excepci�n de lo que se menciona a continuaci�n. 
    � Residentes de Alabama: no le aplicaremos honorarios de los abogados si su saldo impago es $300 o menos.
   �  Residentes de Maryland: no les aplicaremos otros costos que no sean los honorarios de abogados.
   �  Residentes de Nuevo Hampshire: se le otorgar�n honorarios de abogados razonables si prevalece en la participaci�n de medidas por y contra nosotros.
    � Residentes de Wisconsin: si se toman medidas legales, es probable que busquemos honorarios y costos estatutarios de abogados que usted pagar� si
      el tribunal los concede.
   Cambios 
   Podemos agregar, cambiar o eliminar los t�rminos de su Cuenta. Si lo exige la ley vigente, le proporcionaremos una notificaci�n previa por escrito sobre los 
   cambios y el derecho a rechazarlos. 
   Derecho de garant�a 
   Usted nos concede un derecho de garant�a sobre todos los bienes que adquiera utilizando la Cuenta, actualmente o en cualquier momento futuro, y sobre todos 
   los fondos y adquisiciones a partir de tales bienes. Renunciamos a cualquier derecho de garant�a que tengamos sobre su residencia principal, en la medida que 
   de otro modo garantice alguna obligaci�n surgida del presente. 
   Cambios de su informaci�n 
   Usted acuerda notificarnos de inmediato sobre cualquier cambio de su nombre, direcci�n postal, direcci�n de correo electr�nico, o n�mero(s) de tel�fono. 
   Ley vigente 
   EL PRESENTE CONTRATO SE RIGE POR DELAWARE Y LAS LEYES FEDERALES VIGENTES. ESTA ES LA LEY QUE MENCIONAMOS CUANDO HACEMOS 
   REFERENCIA A UN T�RMINO PERMITIDO O EXIGIDO POR LA LEY VIGENTE. 
   Transferencia de derechos/cesi�n 
   No podr� transferir sus derechos en virtud del presente Contrato, conforme a derecho o de otro modo, pero sus obligaciones ser�n vinculantes ante su patrimonio 
   o representantes personales. Podemos transferir o ceder su Cuenta y/o el Contrato, o cualquiera de nuestros derechos conforme al presente Contrato, a otra
   persona f�sica o jur�dica en cualquier momento, sin la notificaci�n previa a usted ni su consentimiento.
   Ninguna renuncia de derechos
   Podemos demorar el cumplimiento de cualquiera de nuestros derechos bajo este Contrato sin perderlos. 
   Nulidad parcial 
   Si alguna disposici�n del presente Contrato entra en conflicto con la ley vigente, se considerar� que dicha disposici�n ha sido modificada para ajustarse a la ley 
    vigente. 
   Aviso para los residentes de Nueva Jersey 
   Todas las disposiciones del presente contrato son v�lidas, exigibles y vigentes en Nueva Jersey. 
   F. Disputas e informes a las agencias de informes crediticios
   Informes crediticios 
   �  Usted nos otorga el permiso de investigar su historial crediticio.
    � Usted acuerda que podemos solicitar informes crediticios con respecto al procesamiento de su solicitud de cr�dito. Adem�s podemos solicitar un informe
      con respecto a una concesi�n de cr�dito, solicitud de l�mite de cr�dito, renovaci�n o actualizaci�n de la Cuenta, medida de cobro de la Cuenta, o la
      investigaci�n de una disputa. Le informaremos, a solicitud, el nombre y la direcci�n de cualquier agencia de informes crediticios que haya proporcionado
      alg�n informe sobre usted. Usted otorga su consentimiento a la obtenci�n de tales informes al firmar o de otro modo presentar una solicitud o petici�n.
    � Comprende que podemos proporcionarle informaci�n negativa a las agencias de informes crediticios (por ejemplo, pagos atrasados, pagos omitidos, u otros 
      incumplimientos de pago) respecto a su Cuenta.
    � Nos otorga el permiso de proporcionar informaci�n acerca de su Cuenta a las agencias de informes crediticios y a otros acreedores, as� como al minorista
      cuyo nombre figure en su Tarjeta.
   Disputas sobre los informes crediticios 
   Si considera que es imprecisa la informaci�n de la Cuenta que hemos informado a alguna agencia de informes crediticios, puede presentar una disputa directa a 
    Comenity Bank, PO Box 182789, Columbus, Ohio 43218-2789.  
    Su disputa escrita debe proporcionar informaci�n suficiente para identificar la Cuenta y especificar por qu� es imprecisa la informaci�n: 
    � Informaci�n de la cuenta: su nombre y n�mero de Cuenta
    � Informaci�n de contacto: su direcci�n y n�mero de tel�fono
    � Informaci�n en disputa: identifique la informaci�n de la Cuenta en disputa y explique por qu� considera que es imprecisa
    � Documentaci�n de respaldo: si se encuentra a la disposici�n, proporcione una copia de la secci�n del informe crediticio que refleja la informaci�n de la
      Cuenta en disputa
    Investigaremos la informaci�n en disputa y le informaremos los resultados dentro de los 30 d�as de haber recibido la informaci�n requerida para nuestra 
    investigaci�n. Si hallamos que es imprecisa la informaci�n suministrada de la Cuenta, brindaremos oportunamente la correcci�n requerida a cada agencia de 
    informes crediticios a la que hayamos proporcionado la informaci�n. 
   Sus derechos de facturaci�n: conserve este documento para el uso futuro 
   La presente notificaci�n le informa acerca de sus derechos y nuestras responsabilidades de conformidad con la Ley de Facturaci�n Crediticia Justa. 
    Qu� hacer si encuentra un error en su estado de cuenta 
    Si considera que existe un error en su estado de cuenta, escr�banos a: Comenity Bank, PO Box 182782, Columbus, Ohio 43218-2782 
   En su carta, proporcione la siguiente informaci�n: 
   �  Informaci�n de la cuenta: su nombre y n�mero de cuenta.
   �  Cantidad en d�lares: la cantidad en d�lares del supuesto error.
   �  Descripci�n del problema: si piensa que hay un error en su factura, describa lo que cree que es incorrecto y el motivo por el cual cree que es un error.
   Usted debe comunicarse con nosotros:
   �  En un plazo de 60 d�as despu�s de que el error apareci� en su estado de cuenta.
   �  Al menos 3 d�as h�biles antes de que est� programado un pago autom�tico, si desea detener el pago de la cantidad que usted cree que es incorrecta.
   Usted debe avisarnos acerca de todos los posibles errores por escrito. Puede llamarnos, pero si lo hace no tenemos la obligaci�n de investigar ning�n posible
   error y usted podr�a tener que pagar la cantidad en cuesti�n.
   Lo que suceder� despu�s de que recibamos su carta
   Cuando recibamos su carta, debemos hacer dos cosas:
   1. En un plazo de 30 d�as despu�s de recibida su carta, debemos decirle que la recibimos. Tambi�n le diremos si ya hemos corregido el error.
   2. En un plazo de 90 d�as despu�s de recibida su carta, tenemos que corregir el error o explicarle por qu� creemos que la factura estaba correcta.
   Mientras investigamos si ha habido un error o no:
   �  No podremos tratar de cobrar la cantidad en cuesti�n, ni declararlo como moroso por esa cantidad.
   �  El cargo en cuesti�n podr� permanecer en su estado de cuenta y seguiremos cobr�ndole intereses sobre esa cantidad.
   �  Si bien usted no tiene que pagar la cantidad en cuesti�n, es responsable del resto de su saldo.
   �  Podemos aplicar cualquier monto pendiente de pago a su l�mite de cr�dito.
   Despu�s de que finalicemos nuestra investigaci�n, ocurrir� una de dos cosas:
   �  Si nosotros cometimos un error: usted no tendr� que pagar la cantidad en cuesti�n ni intereses o comisiones relacionados con esa cantidad.
   �  Si no creemos que haya habido un error: usted tendr� que pagar la cantidad en cuesti�n, junto con todos los intereses y comisiones correspondientes. Le
      enviaremos un estado de cuenta de la cantidad que usted adeuda y la fecha en que vence el pago. Luego podremos declararlo moroso si no paga la cantidad 
      que creemos que adeuda.
   Si recibe nuestra explicaci�n pero sigue creyendo que su factura es incorrecta, debe escribirnos en un plazo de 10 d�as para informarnos que sigue rehus�ndose 
    a pagar. Si lo hace, no podremos declararlo moroso sin indicar tambi�n que usted est� cuestionando su factura. Debemos informarle el nombre de las entidades 
    ante las cuales lo declaremos moroso y tenemos que avisar a esas organizaciones cuando hayamos resuelto el asunto entre nosotros. 
    Si no seguimos todas las reglas precedentes, usted no tendr� que pagar los primeros $50 de la cantidad que cuestiona, incluso si su factura es correcta. 
    Sus derechos en caso de no estar conforme con sus compras con tarjeta de cr�dito 
    Si no est� conforme con los productos o servicios que ha comprado con su tarjeta de cr�dito y ha tratado de buena fe de corregir el problema con el comerciante, 
    puede tener el derecho a no pagar la cantidad restante adeudada sobre la compra. 
    Para usar este derecho, todas las afirmaciones siguientes deben ser ciertas: 
    1. La compra debe haberse hecho en su estado de residencia o en un radio de 100 millas de su direcci�n postal actual, y el precio de compra debe haber sido
    de m�s de $50. (Nota: No se aplican estos requisitos si su compra se bas� en un anuncio publicitario que le enviamos por correo, o si somos due�os de la
    compa��a que le vendi� los bienes o servicios.)
    2. Usted debe haber usado su tarjeta de cr�dito para hacer la compra. No califican las compras hechas con adelantos de efectivo de un cajero autom�tico o con
   un cheque que accede a su cuenta de tarjeta de cr�dito.
   3. Usted no puede haber pagado el total de la compra.
   Si se cumplen todos los criterios arriba mencionados y aun as� no est� satisfecho con la compra, comun�quese con nosotros por escrito a:
    Comenity Bank
    PO Box 182782, Columbus, Ohio 43218-2782
   Mientras investigamos, se aplican a la cantidad cuestionada las mismas reglas indicadas anteriormente. Despu�s de que finalicemos nuestra investigaci�n, le 
   informaremos acerca de nuestra decisi�n. En ese momento, si creemos que usted adeuda una cantidad y usted no paga, podr�amos declararlo moroso. 
   G. Productos opcionales
   Seguro de cr�dito (seg�n corresponda) 
   La adquisici�n del seguro de cr�dito es opcional. Si elige utilizar la cobertura del seguro de cr�dito, agregaremos el cargo de la prima a su Cuenta como compra 
   el �ltimo d�a de cada per�odo de facturaci�n. Puede cancelar su cobertura en cualquier momento. 
   Cancelaci�n de la deuda por medio de Account Assure (seg�n corresponda) 
   �  La adquisici�n de Account Assure es opcional.
    � La inscripci�n en Account Assure no modifica los t�rminos de su acuerdo de cr�dito existente.
    � El cargo de Account Assure se basa en el saldo de su estado de cuenta mensual, que es el saldo al cierre de cada ciclo de facturaci�n.
   �  Recibir� los t�rminos y condiciones, que deber� leer detenidamente para conocer todos los detalles y las exclusiones de los beneficios.
    � Puede cancelar Account Assure en cualquier momento.
    � Si en este momento est� desempleado, tiene una discapacidad, se encuentra hospitalizado o est� jubilado, usted no es elegible para los beneficios de Account Assure 
      debido a su situaci�n actual; sin embargo, usted podr� acceder a otros beneficios sobre la base de eventos futuros. 
   H. Comunicaci�n con nosotros
   Comunicaci�n con usted respecto al uso de su Cuenta 
   Si necesitamos comunicarnos con usted para administrar su Cuenta o cobrar los montos que nos adeuda, nos otorga el consentimiento directo, as� como a los 
   administradores, agentes, contratistas independientes, contratistas, cobradores o agencias de cobranzas, y a cualquier persona a quien podamos venderle su 
   Cuenta, para comunicarnos con usted de cualquier manera, por ejemplo llamando, enviando un mensaje de texto, o enviando un mensaje de correo electr�nico 
    a trav�s de lo siguiente: 
    1. Su n�mero m�vil, terrestre, de texto o cualquier n�mero que nos proporcione, que utilice para contactarnos o cualquier n�mero que puede utilizar, o a
      cualquier otro dispositivo o servicio por el cual se le cobre por la llamada, incluidos, entre otros, Protocolo de Voz por Internet (Voice Over Internet Protocol,
      VOIP);
    2. Cualquier direcci�n de correo electr�nico que nos haya proporcionado a nosotros o a otra persona o compa��a que ofrezca cualquier servicio relacionado
      con este Contrato;
   3. Sistemas de marcaci�n telef�nica automatizada;
    4. Mensajes de voz pregrabados o artificiales y cualquier otro tipo de comunicaci�n.
    Tambi�n acuerda que estas comunicaciones no son indeseadas a los efectos de cualquier ley estatal o federal, y comprende que las comunicaciones podr�an
    ocasionar cargos adicionales de telefon�a m�vil, mensajes de texto, datos u otros cargos.
   Supervisi�n telef�nica
   �  Para brindarle un servicio de alta calidad, supervisamos y/o grabamos las comunicaciones telef�nicas con nosotros.
    � Usted acuerda que supervisamos y/o grabamos cualquier llamada telef�nica entre usted y nosotros.
    � Informe a todos los titulares de tarjeta autorizados acerca de esta disposici�n, lo que incluye a cualquier persona que act�e en su nombre o realice pagos
      en esta Cuenta.
   Comunicaci�n en otros idiomas diferentes al ingl�s 
   Usted acepta recibir todas las comunicaciones y correspondencia relacionadas con su cuenta en ingl�s. Nosotros podemos, a nuestro criterio, comunicarnos con 
    usted o brindarle documentos traducidos en un idioma diferente al ingl�s. Tales comunicaciones o documentos se proporcionan �nicamente como cortes�a. En 
    cualquier momento, podemos dejar de comunicarnos con usted en idiomas diferentes al ingl�s o brindarle documentos traducidos. Si bien hemos intentado 
    garantizar la precisi�n de nuestras traducciones, no nos responsabilizamos por las inexactitudes en la traducci�n ni los malentendidos que surjan como 
    consecuencia de las diferencias en el dialecto o uso del idioma. En caso de que existan contradicciones entre la versi�n en ingl�s y la traducci�n, prevalecer� la 
    versi�n en ingl�s. 
   Residentes de Wisconsin: 
   Si est� casado, comun�quese con nosotros de inmediato al recibir el presente Contrato al 1-888-257-0752 (Annie Sez) o bien 1-877-756-1958 (Mandee)  (TDD/TTY 
    1-800-695-1788) y proporcione el nombre y la direcci�n de su c�nyuge. Se nos exige informarle a su c�nyuge que hemos abierto una cuenta de cr�dito para
   usted.
   Notificaciones de quiebra:
   Toda notificaci�n de quiebra y correspondencia relevante para Comenity Bank debe enviarse a la siguiente direcci�n: Comenity Bank, Departamento de Quiebras, 
   PO Box 182125, Columbus, Ohio 43218-2125. 
   I. Arbitraje y renuncia al juicio por jurado
   A. Renuncia al juicio por jurado
   EN LA MEDIDA PERMITIDA POR LA LEY, USTED Y NOSOTROS RENUNCIAMOS A TODO DERECHO AL JUICIO POR JURADO EN EL CASO DE QUE 
   SURJA UN LITIGIO DE ESTE ACUERDO O EN RELACI�N CON EL MISMO. ESTA RENUNCIA AL JUICIO POR JURADO NO AFECTAR� LA DISPOSICI�N 
   SOBRE EL ARBITRAJE A CONTINUACI�N (INCLUIDA LA RENUNCIA AL JUICIO POR JURADO CONTENIDA EN LA MISMA). USTED Y NOSOTROS 
   DECLARAMOS QUE LA PRESENTE RENUNCIA SE OTORGA A SABIENDAS, CON CONOCIMIENTO Y VOLUNTARIAMENTE. 
   B. Notificaci�n y subsanaci�n
   Antes de entablar una demanda o iniciar un arbitraje con respecto a una reclamaci�n surgida de o relacionada con el presente Contrato (conforme se define a 
    continuaci�n, una �Reclamaci�n�), la parte que afirma la Reclamaci�n (el �Demandante�) proporcionar� a la otra parte (el �Demandado�) una notificaci�n por 
    escrito sobre la Reclamaci�n (una �Notificaci�n de reclamaci�n�) y una oportunidad razonable, no menos de 30 d�as, de resolver la Reclamaci�n. Se le enviar� 
    toda Notificaci�n de reclamaci�n por escrito a la direcci�n que tengamos en nuestros registros (o cualquier direcci�n actualizada que nos suministre 
    posteriormente). Toda Notificaci�n de reclamaci�n para nosotros se enviar� por correo a Comenity Bank, PO Box 182436, Columbus, Ohio 43218-2436 (o 
    cualquier direcci�n actualizada que nos suministre posteriormente). Toda Notificaci�n de reclamaci�n que nos env�e debe proporcionar su nombre, direcci�n y 
    n�mero de Cuenta. Toda Notificaci�n de reclamaci�n debe explicar la naturaleza de la Reclamaci�n y la medida de reparaci�n que se exige. Usted solamente 
   puede enviar una Notificaci�n de reclamaci�n a su nombre y no en nombre de cualquier otra parte. Ninguna otra parte, excepto un abogado que haya contratado 
   personalmente, puede enviar una Notificaci�n de reclamaci�n a su nombre. El Demandante debe colaborar razonablemente brindando toda informaci�n sobre la 
   Reclamaci�n que la otra parte solicite de manera razonable. 
   C. Disposici�n sobre el arbitraje
   LEA ATENTAMENTE ESTA DISPOSICI�N SOBRE ARBITRAJE. SI NO RECHAZA ESTA DISPOSICI�N SOBRE EL ARBITRAJE DE CONFORMIDAD CON 
   EL P�RRAFO C.1. A CONTINUACI�N, ESTA FORMAR� PARTE DEL PRESENTE CONTRATO Y TENDR� UN IMPACTO SUSTANCIAL EN LA MANERA 
   EN QUE USTED O NOSOTROS RESOLVEREMOS LAS RECLAMACIONES QUE USTED O NOSOTROS TENGAMOS EN CONTRA DEL OTRO, EN EL 
    PRESENTE O EN EL FUTURO.  
   1. Su derecho al rechazo: Si no desea que se aplique la presente Disposici�n sobre el arbitraje (y cualquier otro contrato de arbitraje previo entre usted 
    y nosotros [�Contrato de arbitraje previo�]), puede rechazarla envi�ndonos una notificaci�n de rechazo por escrito que proporcione el nombre de cada 
    titular de tarjeta y contenga una declaraci�n de que usted (ambos de ustedes, si es m�s de una persona) rechaza la Disposici�n sobre el arbitraje del
    presente Contrato. Debe enviarnos esta notificaci�n de rechazo a Comenity Bank, PO Box 182422, Columbus, Ohio 43218-2422. La notificaci�n de
    rechazo es efectiva �nicamente si usted la firma (todos ustedes, en caso de ser m�s de una persona) y si la recibimos en el plazo de treinta (30) d�as
    calendario posteriores a la fecha en que le hayamos proporcionado un contrato de tarjeta de cr�dito o una notificaci�n escrita que establezca su
                                                                    ***CC Agreement CCA ID***  
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 21.74%. 
      (APR) for Purchases 
                          This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying  Your due date is at least 25 days after the close of each billing cycle. We will not 
      Interest            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 $1.00 per credit plan. 
      
      Fees 
      �  Annual Fee       None 
                           
      Penalty Fees 
                           
      �  Late Payment     Up to $38 
      �  Returned Payment  Up to $38 
      Balance Computation  We use a method called "daily balance." 
      Method