Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-037; PO #009401xxxx; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used: 
 includes initial claims, counterclaims, cross-claims and third-party claims. It  11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  Your Modell�s MVP Visa Credit Card Account Agreement. 39070I004 (02/14)
 includes disputes based upon contract, tort, consumer rights, fraud and other  award may be entered by any court having jurisdiction. The arbitrator�s decision 
 is ?nal and binding, except for any right of appeal provided by the FAA. However,  This card is issued by Comenity Capital Bank pursuant to a li- Minimum Payment: The Minimum Payment Due is the total of minimum pay-
 intentional torts, constitution, statute, regulation, ordinance, common law and 
 equity (including any claim for injunctive or declaratory relief). �Claim� does not  if the amount of the Claim exceeds $50,000 or involves a request for injunctive  cense from Visa USA Inc. Visa is a registered trademark of Visa  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
                                             Past Due amounts. The total Minimum Payment Due on your account won�t be 
 include disputes about the validity, enforceability, coverage or scope of this Arbi- or declaratory relief that could foreseeably involve a cost or bene?t to either party  USA Inc.  This Agreement covers the Terms and Conditions of 
 exceeding $50,000, any party can, within 30 days after the entry of the award  less than $25.00. If your Account balance is less than $25.00, you must pay the 
 tration Provision or any part thereof (including, without limitation, the prohibition  your account with us. In this document, you will ?nd important 
 against class proceedings, private attorney general proceedings and/or multiple  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  amount indicated on your Statement in full. The Minimum Payment Due for each 
 Administrator. The panel shall reconsider anew any aspect of the initial award  information about using and managing your account, including  Regular Revolving and Cash Revolving Credit Plans will be: 
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
                                             �	 The greater of:
 last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  requested by the appealing party. The decision of the panel shall be by majority  a Privacy Statement and information concerning your billing 
 vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
 a court and not an arbitrator to decide. However, any dispute or argument that  rights. Your use of the account, or failure to close the account 
 concerns the validity or enforceability of the Agreement as a whole is for the  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  Revolving Credit Plan Finance Charges shown on the Statement; or 
   within the 30 days of receiving this document, indicates your 
 an appeal will be borne in accordance with Paragraph C.8. above. o  $5.00
 arbitrator, not a court, to decide.
   acceptance of the terms of this agreement, including the assess-
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay- �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
 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  ment of all amounts owed under this Agreement, the closing of the Account, any  ment of any interest charges and fees. Charges shown on the Statement rounded up to the nearest $1.00.
 different Claim. Arbitration is started by giving a written demand for arbitration  legal proceeding and any bankruptcy to the extent consistent with applicable  Section I of this Agreement also includes a Jury Trial Waiver and  See Minimum Payment in Section C below for promotional credit plan minimum 
 to the other party. We will not demand to arbitrate an individual Claim that you  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- payment calculations. 
 World Financial Capital Bank is a Comenity SM company. an Arbitration Provision in the event of a dispute.
 bring against us in small claims court or your state�s equivalent court, if any. But  tion Provision, on the one hand, and the applicable arbitration rules or the other  The APR information described below is accurate as of February 1, 2014.  Due to 
 Salt Lake City, UT �	 You have a right to reject this Arbitration Provision.
 if that Claim is transferred, removed or appealed to a different court, we then  provisions of this Agreement, on the other hand, this Arbitration Provision shall  a change in the index, this information may have changed.  To ?nd out more, call 
 have the right to demand arbitration. govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. �	 If you do not reject this Arbitration Provision, it will be part  us at 1-855-334-3686 (TDD/TTY: 1-888-819-1918), or write us at Comenity 
 5. Choosing the Administrator:  �Administrator� means the American Arbitration  13. Severability:  If any portion of this Arbitration Provision, other than the Class  of this Agreement and will: Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
                                             site at comenity.net/modellsmvpvisa.
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  o  Eliminate your right to a trial by jury; and
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. nevertheless remain in force. If a determination is made that the Class Action  A. Getting Started
        o  Substantially affect your rights, including your right 
 jamsadr.com; or any other company selected by mutual agreement of the par- Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- De?nitions
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable  main in force and the remaining provisions shall be null and void, provided that  World Financial Capital Bank is a to bring, join in or participate in class proceedings.
 the determination concerning the Class Action Waiver shall be subject to appeal. Comenity SM In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
 to select an Administrator by mutual consent, the Administrator will be selected  company. Please read each section carefully and keep this document for 
                                             and �Your� mean each person who submits an application or solicitation for an 
 by a court. The arbitrator will be appointed by the Administrator in accordance  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  Salt Lake City, UT your records. Account with us. �Account� means your credit card account with us. �Card� 
 with the rules of the Administrator. However, the arbitrator must be a retired or  Paragraph B above on your own behalf (and not on behalf of any other party); 
   In the following sections, you will ?nd information on: means each credit card we issue for your Account. �Credit Plan� means one or 
 former judge or a lawyer with at least 10 years of experience. You get to select the  (2) we refuse to provide you with the relief you request; and (3) an arbitrator  more payment program options Modell�s may ask us to offer from time to time.
 Administrator if you give us written notice of your selection with your notice that  subsequently determines that you were entitled to such relief (or greater relief),  Financial terms of your account: An at-a-glance summary of the fees and charges 
                                             Upholding your Agreement
 you are electing to arbitrate any Claim or within 20 days after we give you notice  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  associated with your account
                                             �	 You agree to the terms of this Agreement, and promise to do everything re-
 that we are electing to arbitrate any Claim (or, if you dispute our right to require  you are entitled). A.  Getting started: the basics of your account
                                              quired of you. If you sign or submit an application or solicitation to obtain 
 arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  B.  Keeping your account in good standing: avoiding default, and what to do if  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
 If you do not select the Administrator on time, we may do it. Notwithstanding  your card is lost or stolen bound if you sign a charge slip, or permit someone else to use the credit 
 any language in this Arbitration Provision to the contrary, no arbitration may be  Comenity Capital Bank, Salt Lake City, UT
   C.  Learning more about your account: credit plans, and credit limits, and how  provided.
 administered, without the consent of all parties to the arbitration, by any Admin- payments are calculated and applied �	 You agree that the credit extended under your Account will be used only for 
 istrator that has in place a formal or informal policy that is inconsistent with the  39070I004 (02/14)
   D.  Interest, fees and charges: when and how fees and costs are applied to your  personal, family or household purposes and not for business or commercial 
 Class Action Waiver.
     account                                  purpose.
 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  E.  Other important information: legal rights, costs, and how we�ll handle  �	 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 respon-
 PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  changes to your account
                                              sible for repaying all amounts due.  If more than one person is responsible for 
 YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN  F.  Disputes and reporting to consumer reporting agencies: data we provide, 
                                              this Account, we will only provide billing statements and communications to 
 ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  and receive from, consumer reporting agencies, and what to do if you think 
                                              one of you.
 IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.  there is an error on your periodic statement
                                             �	 Any authorized user of your Account will be bound by the terms of this Agree-
 7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- G.  Optional products: how to protect your account from fraud or theft, and 
                                              ment. One additional Card may be issued with the individual name of an 
 TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  information on services that can help pay your debt in case of emergencies
                                              authorized user embossed on the Card. If you want to revoke the use of your 
 ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- H.  Communicating with us: what happens when you contact us Account by an authorized user, either write us at the address, or call us at the 
 TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  phone number, shown on your Statement.
 AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  a jury trial waiver and Arbitration provision �	 You agree to pay for all transactions made on your Account by an authorized 
 CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
   Privacy statement: how we collect, use, share, and protect your personal informa- user, whether or not such transactions were authorized by you or made for 
 DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
   tion; and the privacy choices you can make your bene?t.
 (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
                                             Card signature (as applicable)
 A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  Financial terms of your account
                                             For your own protection, please sign your Card before using it. Keep in mind that 
 OR MULTIPLE-PARTY ARBITRATION. 
                                             your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
 8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  Interest Rates and Interest Charges
                                             incurred on your Account.
 must take place at a location reasonably convenient to you. We will pay any and 
                                             Using your Account
 all fees of the Administrator and/or the arbitrator if applicable law requires us  23.99%, 21.99%, or 
 to, if you prevail in the arbitration or if we must bear such fees in order for this  Annual  �	 Your Account may be used to make purchases from anywhere Visa is accepted.
 Arbitration Provision to be enforced. If you demand an arbitration, we will pay  17.99% when you open your  �	 We reserve the right to not honor transactions related to, including, but not 
   Percentage 
 your reasonable attorneys� and experts� fees if you prevail or if we must bear such  limited to, gambling, ATM usage at casinos, and illegal activities.
   Rate (APR) for  account, based on your creditworthiness.
 fees in order for this Arbitration Provision to be enforced. Also, we will bear any  �	 You may obtain a loan from us under your Account by using your Card or a 
 fees if applicable law requires us to. Purchases convenience check as follows: by purchasing goods or services with your Card 
               After that, this APR will vary with the 
 9. Governing Law:  This Arbitration Provision involves interstate commerce and  or your Account number; by obtaining a cash advance from a ?nancial institu-
               market based on the Prime Rate.
 is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  tion, by use of an ATM; by using a convenience check; or, by incurring charges 
 not by any state arbitration law. The arbitrator must apply applicable substantive  authorized by this Agreement.
   APR for Balance  25.99%
 law consistent with the FAA and applicable statutes of limitations and claims of  �	 From time to time, in our sole discretion, we may send you convenience 
   Transfers and 
 privilege recognized at law. The arbitrator may award any remedy provided by the  This APR will vary with the market based  checks for use in borrowing under this Agreement. All convenience checks you 
 substantive law that would apply if the action were pending in court (including,  Cash Advances use will be treated as cash advances under this Agreement, and subject to the 
               on the Prime Rate.
 without limitation, punitive damages, which shall be governed by the Constitu- terms and fees that apply to cash advances, unless we advise you otherwise.
               Your due date is at least 25 days after 
 tional standards employed by the courts). At the timely request of either party,  �	 You agree that convenience checks that you use will not be returned to you.
 the arbitrator must provide a brief written explanation of the basis for the award. the close of each billing cycle. We will  �	 You may not use the convenience checks to make payments on any Comenity 
 10. Right to Discovery:  In addition to the parties� rights to obtain discovery  Capital Bank Bank Account.
               not charge you interest on purchases if 
 pursuant to the arbitration rules of the Administrator, either party may submit  �	 You agree not to use a convenience check, and we do not have to pay any 
 a written request to the arbitrator to expand the scope of discovery normally al- Paying Interest you pay your entire balance by the due  convenience check:
 lowable under the arbitration rules of the Administrator. The arbitrator shall have  o  if you are in default under this Agreement;
               date each month.  We will begin charging 
 discretion to grant or deny that request.     o  if payment of that convenience check would cause your outstanding 
               interest on balance transfers and cash  cash advance balance to exceed your cash advance limit; or
               advances on the transaction date. o  if we cancel or suspend your right to use convenience checks
                                             �	 From time to time, in our sole discretion, we may offer you the ability to 
   Minimum     If you are charged interest, the charge  transfer account balances from other credit card accounts you may have to 
   Interest Charge will be no less than $2.00 per credit plan the Account. We may, in our sole discretion, offer promotional plans for such 
                                              balance transfers.
   For Credit                                �	 You may use the Card to obtain cash advances through certain ATMs. You will 
               To learn more about factors to consider 
   Card Tips from                             be given a Personal Identi?cation Number (PIN) which must be used in order 
               when applying for or using a credit  to obtain an ATM cash advance.
   the Consumer 
               card, visit the website of the Consumer  o  Some limitations on ATM cash advances may apply, such as limita-
   Financial                                      tions on dollar amount, number, or currency denominations.
               Financial Protection Bureau at http://
   Protection                                  o  You agree that any charges imposed by third parties for use of their 
               www.consumer?nance.gov/learnmore.  ATM facilities will be added to your Account balance as a cash ad-
   Bureau                                         vance.
 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * �	 If you make a purchase or obtain a cash advance in a foreign currency, it will 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Fees
 contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 be converted by Visa into U.S. dollars in accordance with Visa Operating Regu-
   �	 Annual Fee    None                      lations in effect at the time the transaction is processed.
                                               o  The currency conversion rate in effect on the processing date may dif-
                                                  fer from the rate in effect on the transaction date or the posting date.
   Transaction Fees
                                               o  The currency conversion rate used may be the same as, greater than, or 
   �	 Balance Transfer The greater of $10 or 3% of the  less than the amount that would be calculated by conversion through 
                    amount of the balance transfer.  a ?nancial institution in the country in which the purchase or cash 
                                                  advance occurred.
   �	 Cash Advance  The greater of $5 or 3% of the 
                                             Making payments
                    amount of the cash advance. �	 Pay your Account by sending a check, money order, or cashier�s check payable 
   �	 Convenience Checks The greater of $5 or 3% of the  in U.S. dollars, to the name and address shown on your Statement speci?ed 
                                              for payments. Please don�t send cash.
                    amount of the convenience 
                                             �	 Be sure to include your payment stub, do not staple your payment to the stub, 
      companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  check. use the envelope provided with your Statement and don�t send any correspon-
   �	 Foreign Transaction 3% of each transaction in U.S.  dence with your payment.
                                             �	 If your payment doesn�t meet these requirements, it may not be credited to 
                    dollars.
                                              your Account for up to ?ve days, or may be rejected.
                                             �	 All written communications concerning disputed amounts, including any 
   Penalty Fees                               check or other payment instrument marked with �payment in full� or similar 
   �	 Late Payment  Up to $35                 language, must be sent to 6550 North Loop 1604 East, Suite 101, San An-
                                              tonio, Texas 78247-5004.
   �	 Returned Payment Up to $35
                                               o  We may accept a payment sent to any other address without losing 
                                                  any of our rights.
   How We Will Calculate Your Balance: We use a method called  o  No payment shall operate as an accord and satisfaction without our 
   �daily balance.� See your Account agreement for more details. prior written approval.
                                             B. Keeping your account in good standing
   Billing Rights: Information on your rights to dispute  Avoiding default
   transactions and how to exercise those rights is provided in your  You�ll be in default under this Agreement if you:
   account agreement.                        �	 Fail to make any payment when due
                                             �	 Violate any provision of this Agreement
   Comenity Capital Bank 1-855-334-3686 (TDD/TTY 1-888-819-1918) �	 Pass away
   New York Residents: New York Residents may contact the New York state Depart- �	 Become the subject of bankruptcy or insolvency proceedings
   ment of Financial Services by telephone or visit its website for free information  �	 Supply us with misleading, false, incomplete or incorrect information
   on comparative credit card rates, fees, and grace periods. New York Department  �	 Are unable or unwilling to perform the terms or conditions of this Agreement
   of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. �	 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 af-
   Rate Information: The following chart provides details on your variable rate(s) as  ?liates
   of February 1, 2014. We divide the APR by 365 to determine the daily periodic  �	 Become incompetent
   rate.                                     �	 Exceed your Credit Limit
               Add to Index APR Daily Periodic Rate �	 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 
   Tier 1       20.74%  23.99%   0.06573%
                                             charges, close your Account, require you to pay the full amount you owe im-
   Tier 2       18.74%  21.99%   0.06025%    mediately or take any other action permitted by law. If applicable law requires 
   Tier 3       14.74%  17.99%   0.04929%    us to do so, we�ll tell you in advance and/or give you the opportunity to remedy 
   Balance Transfers                         your default.
                22.74%  25.99%   0.07121%
   and Cash Advances                         Reporting a lost or stolen card (as applicable)
                                             If you notice the loss or theft of your credit card or a possible unauthorized use 
   We�ll charge you a minimum interest charge of $2.00 per credit plan for any  of your card, you should write to us immediately at PO Box 183003, Columbus, 
   billing period in which interest is due. For additional information, see Rates in  Ohio 43218-3003 or call us at 1-855-334-3686 (TDD/TTY: 1-888-819-1918). 
   Section D.                                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.
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-037; PO #009401xxxx; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used:  C. Learning more about your account Rates What To Do If You Find A Mistake On Your Statement H. Communicating with us
                                             �	 The Index in effect for each billing period will be the highest �Prime Rate� of  If you think there is an error on your statement, write to us at: Comenity Capital 
  Credit Plans
                                                                                       Bank, PO Box 182620, Columbus, Ohio 43218-2620 Communicating to you about your Account
  �	 Your Account may consist of a non-promotional (�Regular Revolving�) Credit  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 be- In your letter, give us the following information: If we need to contact you to service your Account or to collect amounts you owe 
    Plan and one or more promotional Credit Plans. Credit Plans offered and their 
                                              gins, rounded upward if necessary, to the nearest .001% (�Index�).  �	 Account information: Your name and account number. to us, you give direct consent to us, as well as servicers, agents, contractors and 
    particular features (including but not limited to minimum purchase require-
                                             �	 Any variable APR may increase if the Index increases. �	 Dollar amount: The dollar amount of the suspected error. collectors of your Account, to communicate with you in any way, such as calling, 
    ments and minimum payment) may vary occasionally at our discretion and 
                                                                                       �	 Description of problem: If you think there is an error on your bill, describe what  texting, or electronic mail via:
    include one or more Regular Revolving or promotional Credit Plans. �	 An increase or decrease in the APR will result in a corresponding increase 
                                                                                         you believe is wrong and why you believe it is a mistake. 1)  a cell, landline, or text number you provide, use to contact us, or at which 
  �	 We may offer different promotional Credit Plans from time to time. or decrease in the amount of interest and may increase the Total Minimum 
                                              Payment.                                 You must contact us:                         we believe we can reach you (even if it is not yours),
  �	 If a promotional Credit Plan is offered at the time you open your Account, 
                                             Other fees and charges                    �	 Within 60 days after the error appeared on your statement. 2)  any electronic mail address you provide to us or one of our merchants,
    this Agreement will include information about the terms for the Plan, by use 
                                                                                       �	 At least 3 business days before an automated payment is scheduled, if you  3)  automated dialer systems and automatic telephone dialing systems,
    of an insert, attachment, or other written information provided as part of this  You agree to pay the following fees and charges:
                                                                                         want to stop payment on the amount you think is wrong. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
    Agreement.                               �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Payment 
                                                                                       You must notify us of any potential errors in writing. You may call us, but if you  tions.
  �	 Normal late fees, returned payment fees and all other provisions apply to any  Due Date, we will charge you a late fee.
                                                                                                                                  You also agree that these communications aren�t unsolicited for purposes of any 
    promotional Credit Plan, unless inconsistent with a particular Credit Plan of- o  The fee is $25.00 if you were not charged a late fee during any of the  do we are not required to investigate any potential errors and you may have to 
                                                                                       pay the amount in question.                state or federal law, and you understand that this may result in additional mobile, 
    fering.                                       prior six billing periods.
                                                                                                                                  text message, or data charges.
  �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- o  Otherwise, the fee is $35. What Will Happen After We Receive Your Letter
                                                                                                                                  Phone monitoring
    tional period ends, the balance will be transferred to your Regular Revolving  o  This fee will never exceed the minimum payment due that was due  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  �	 To provide you with high-quality service, phone communication with us is 
    balance.                                      immediately prior to the date on which the fee was assessed.
  �	 Promotional Credit Plans may include:   �	 Returned Payment Fee: We may charge you a fee for each payment that your  letter. We will also tell you if we have already corrected the error. monitored and/or recorded.  
                                              bank doesn�t honor for any reason.       2. Within 90 days of receiving your letter, we must either correct the error or  �	 You agree that we monitor and/or record any phone calls between you and us.  
    o  Waive Interest, Payment Required  o Defer Interest, Payment Required
                                               o  The fee is $25.00 if you were not charged a returned payment fee  explain to you why we believe the bill is correct. �	 Please inform all authorized cardholders of this provision, including anyone 
    o  Waive Interest, Equal Payment  o Defer Interest, Low Payment
                                                                                       While we investigate whether or not there has been an error: acting on your behalf or making payments on this Account.
    o  Waive Interest, Low Payment  o Low APR, Equal Payment during any of the prior six billing periods.
                                                                                       �	 We cannot try to collect the amount in question, or report you as delinquent  For Wisconsin residents:
    o  Defer Interest, Equal Payment  o Budget Payment o  Otherwise, the fee is $35.
                                                                                         on that amount.                          If you are married, please contact us immediately upon receipt of this Agreement 
  Skip-payment option                          o  This fee will never exceed the minimum payment due that was due 
                                                  immediately prior to the date on which the fee was assessed. �	 The charge in question may remain on your statement, and we may continue  at 1-855-334-3686 (TDD/TTY 1-888-819-1918) and provide us with the name 
  �	 At our discretion, we may allow you to skip making the Minimum Payment.
                                                                                         to charge you interest on that amount.   and address of your spouse. We are required to inform your spouse that we have 
  �	 Finance Charges will be assessed during the skip-payment period, but a late  �	 Although we may decide to do so, we aren�t required to attempt to collect a 
                                              payment more than once.                  �	 While you do not have to pay the amount in question, you are responsible for  opened a credit account for you.
    fee won�t be imposed.  This will not be considered a waiver of any of the rights 
                                             �	 Document Fees: If we provide you with a copy of any Statement, sales draft or  the remainder of your balance. For bankruptcy noti?cations:
    granted by this Agreement.
                                              similar document at your request (except in connection with billing error in- �	 We can apply any unpaid amount against your credit limit. All bankruptcy notices and related correspondence to Comenity Capital Bank 
  �	 All other terms of your Account apply during the skip-payment period.
                                              quiries or resolution), we may charge the Account the following fee(s), subject  After we ?nish our investigation, one of two things will happen: should be sent to the following address: Comenity Capital Bank, Bankruptcy 
  Credit limit
                                              to any limitations of applicable law:    �	 If we made a mistake: You will not have to pay the amount in question or any  Department, PO Box 183043, Columbus, Ohio 43218-3043.
  �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
                                               o  Statement copy - $6.00                 interest or other fees related to that amount.
    any time.                                                                                                                     I. Arbitration and jury trial waiver
                                               o  Sales/Credit Draft copy - $6.00      �	 If we do not believe there was a mistake: You will have to pay the amount in 
  �	 You may not exceed any Credit Limit that we set for your Account.
                                               o  Check/Money Order copy - $6.00         question, along with applicable interest and fees. We will send you a state- A. Jury trial waiver
  �	 If you do exceed your Credit Limit, we can still charge you for all transac-                                                 TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
                                             �	 Alternative Payment Method Fee: We may offer alternative payment methods  ment of the amount you owe and the date payment is due. We may then report 
    tions, interest and other charges without giving up any of our rights under this                                              TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
                                              that allow you to make individual, expedited payments to your Account over  you as delinquent if you do not pay the amount we think you owe.
    Agreement.                                                                                                                    TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
                                              the phone.  If you choose to use this payment method, we may assess the  If you receive our explanation but still believe your bill is wrong, you must write 
  �	 We may change your Credit Limit at any time.
                                              current fee we charge for this service, subject to any limitations of applicable  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
  Account cancellation                                                                 report you as delinquent without also reporting that you are questioning your bill.  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
                                              law. Currently, that fee is up to $15.00 but may change. We�ll let you know the 
  �	 You may cancel your Account. You�re still obligated to pay the full amount 
                                              current fee before you authorize any payment(s), and you can withdraw your  We must tell you the name of anyone to whom we reported you as delinquent,  IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
    you owe us.                                                                        and we must let those organizations know when the matter has been settled  B. Notice and cure
                                              request if you don�t want to pay the fee.
  �	 We may cancel your Account at any time, for any reason.
                                             �	 Cash Advance Fee: For any cash advance obtained in person from a ?nancial  between us. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris-
  �	 We may refuse to authorize any transaction on your Account. We may also 
                                              institution or through an ATM, you will pay a transaction fee equal to the  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
    suspend your Account and your right to use your Card, including each Card 
                                              greater of $5 or 3% of the amount of the cash advance. You take a cash ad- the amount you question even if your bill is correct. the party asserting the Claim (the �Claimant�) shall give the other party (the 
    you give to others.
                                              vance if you use a convenience check; get money through an automated teller  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable 
  �	 We may stop offering any Credit Plan at any time, for any reason.
                                              machine (ATM); or get money through a ?nancial institution. If you are dissatis?ed with the goods or services that you have purchased with  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you 
  �	 Cancellation or suspension of your Account doesn�t negate your obligation to 
                                             �	 Convenience Check Fee:  For any convenience check written against your Ac- your credit card, and you have tried in good faith to correct the problem with the  shall be sent in writing to the address we have in our records (or any updated 
    pay any amount you owe us.
                                              count, you will pay a transaction fee equal to the greater of $5 or 3% of the  merchant, you may have the right not to pay the remaining amount due on the  address you subsequently provide to us).  Any Claim Notice to us shall be sent by 
  �	 Cancellation of your Account includes each Card you give to others.
                                              amount of the convenience check.         purchase.                                  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436 
  �	 Cards are issued with an expiration date. We have the right not to renew your 
                                             �	 Balance Transfer Fee:  For any balance transfer from another account, you will  To use this right, all of the following must be true: (or any updated address we subsequently provide).  Any Claim Notice you send 
    Account.
                                              pay a transaction fee equal to the greater of $10 or 3% of the amount of the  1. The purchase must have been made in your home state or within 100 miles  must provide your name, address and Account number.  Any Claim Notice must 
  Minimum Payment
                                              balance transfer.                        of your current mailing address, and the purchase price must have been more  explain the nature of the Claim and the relief that is demanded.  You may only 
  �	 You can pay all of your Account balance at any time without  �	 Foreign Transaction Fee: For any charge or cash advance outside the United  than $50. (Note: Neither of these are necessary if your purchase was based on  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 
    penalty.                                  States or in a foreign currency, you will pay a transaction fee equal to 3% of  an advertisement we mailed to you, or if we own the company that sold you the 
                                                                                                                                  Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid-
  �	 You must pay at least the Total Minimum Payment for each billing period by  the U.S. dollar amount of the transaction.  If a charge or cash advance is con- goods or services.)
                                              verted into U.S. dollars our network providers (Visa, MasterCard, and Discover)  2. You must have used your credit card for the purchase. Purchases made with  ing any information about the Claim that the other party reasonably requests.
    the Payment Due Date shown on your Statement.
  �	 The Minimum Payment is the total of the minimum payments for the Regular  will select either (1) a rate from the range of rates available in wholesale cur- cash advances from an ATM or with a check that accesses your credit card ac- C. Arbitration provision
    Revolving and promotional Credit Plans plus any Past Due amounts. rency markets for the applicable central processing date, which may vary from  count do not qualify. READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
  �	 The Total Minimum Payment won�t be less than $25.00. If your Account bal- the rate the network provider itself receives, or (2) a government-mandated  3. You must not yet have fully paid for the purchase. THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE-
    ance is less than $25.00, you must pay the amount indicated on your State- rate in effect for the applicable central processing date. If all of the criteria above are met and you are still dissatis?ed with the purchase,  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
    ment in full.                            �	 Return Convenience Check Fee: For each convenience check written against  contact us in writing at: TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
  �	 The minimum payment for each Credit Plan is calculated as follows: your Account which fails to clear and is returned unsatis?ed, you will pay a  Comenity Capital Bank YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
     o  The minimum payments for Waive Interest, Payment Required and  fee of up to $35.  PO Box 182620, Columbus, Ohio 43218-2620 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
       Defer Interest, Payment Required Credit Plans will be the greater of: �	 Stop Payment Fee: For each convenience check written against your Account  While we investigate, the same rules apply to the disputed amount as discussed  prior arbitration agreement between you and us (�Prior Arbitration Agreement�)) 
          (a) $5.00; or                       on which you request us to stop payment, you will pay a fee of up to $35,  above. After we ?nish our investigation, we will tell you our decision. At that  to apply, you may reject it by mailing us a written rejection notice which gives the 
          (b) 1% (rounded up to the nearest $1.00) of the New Balance  regardless of whether we actually stop payment on the convenience check. point, if we think you owe an amount and you do not pay, we may report you as  name of each Cardholder and contains a statement that you (both of you, if more 
          shown on your Statement for that Credit Plan.                                delinquent.                                than one) reject the Arbitration Provision of this Agreement. The rejection notice 
                                             E. Other important information 
     o  The minimum payment for the Waive Interest, Equal Payment and                                                             must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio 
                                             Collection costs                          G. Optional products
       Defer Interest, Equal Payment Credit Plans will be the amount of the                                                       43218-2422. A rejection notice is only effective if it is signed by you (all of you, 
                                             To the extent not prohibited by applicable law, you agree to pay the reasonable 
       purchase divided by the number of months between the date of the                Credit insurance (as applicable)           if more than one) and if we receive it within thirty (30) calendar days after the 
                                             costs for collecting amounts due, including reasonable attorney�s fees and court 
       purchase and the promotional period end date (minimum $5.00)                    Purchasing credit insurance is optional. If you do choose to carry credit insur- date we ?rst provide you with a credit card agreement or written notice providing 
                                             costs incurred by us or another person or entity.
       rounded up to the nearest $1.00.                                                ance coverage, the premium charge will be added to your Account as a purchase  you a right to reject this Arbitration Provision. Your rejection of this Arbitration 
                                             Changes
     o  The minimum payment for the Low APR, Equal Payment Credit Plan                 on the last day of each billing period.  You can cancel your coverage at any time. Provision will not affect any other provision of this Agreement or your ability to 
       will be the amount of the purchase including the calculated interest  We may add, change, or delete the terms of your Account. If required by appli- Account Assure Pro Debt cancellation (as applicable) obtain credit.
       charges that will be assessed from the date of purchase through the  cable law, we will give you advance written notice of the change(s) and a right to  �	 Purchasing Account Assure Pro is optional. 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision 
       end of the promotional period divided by the number of months be- reject the change(s). �	 Your decision whether or not to purchase Account Assure Pro won�t affect your  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a) 
       tween the date of the purchase and the promotional period end date  Security Interest application for credit or the terms of any existing credit agreement you have  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the 
       (minimum $5.00) rounded up to the nearest $1.00. You grant us a security interest in all goods you purchase through the use of the  with us. employees, of?cers and directors of such companies (the �Bank Parties�); and 
     o  The minimum payment for the Waive Interest, Low Payment and Defer  Account, now or at any time in the future and in all accessions to and proceeds of  �	 The monthly fee for Account Assure Pro is based on the outstanding monthly  (b) any other person or company that provides any services in connection with 
       Interest, Low Payment Credit Plans will be the greater of: such goods. We waive any security interest we may have in your principal dwell- balance on your Account each month and will be added to your Statement. this Agreement if you assert a Claim against such other person or company at the 
          (a) $5.00 or                       ing, to the extent that it would otherwise secure any obligation arising hereunder. �	 We�ll provide additional information before you�re required to pay for Account  same time you assert a Claim against any Bank Party.
          (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  Changes to your information Assure Pro. This will include a copy of the terms and conditions pertaining to  3. Covered Claims:  �Claim� means any claim, dispute or controversy between 
          shown on your Statement for that Credit Plan. You agree to notify us immediately of any changes to your name, mailing address,  Account Assure Pro. you and us that in any way arises from or relates to this Agreement, the Account, 
  Payment application                        electronic mail address or telephone number(s). �	 You can cancel your Account Assure Pro at any time. the issuance of any Card, any rewards program, any prior agreement or account. 
  �	 We reserve the right to apply payments equal to or less than the Total Mini- Governing Law �	 There are eligibility requirements, conditions, and exclusions that could pre- �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 
    mum Payment however we see ?t, which may result in balances subject to  THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW.  vent you from receiving bene?ts under Account Assure Pro.
                                                                                       �	 Be sure to carefully read the Addendum for a full explanation of the terms of  or approval of the Account. �Claim� has the broadest possible meaning, and 
    lower interest rates being paid prior to other balances. This may also result in  THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
    higher interest charges.                 MITTED OR REQUIRED BY APPLICABLE LAW.       Account Assure Pro.
  �	 Any payment you make in excess of the required Total Minimum Payment will  Transfer of Rights/Assignment
    be allocated to your Account as required by applicable law.                                                *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
                                             Your rights under this Agreement can�t be transferred by you, by operation of law 
  �	 Excess payments received before a deferred interest promotion expires are  or otherwise, but your obligations will be binding upon your estate or personal 
    applied to the deferred interest promotional balance ?rst in the last two billing  representatives. We may transfer or assign your Account and/or this Agreement, 
    periods of the promotional period.       or any of our rights under this Agreement, to another person or entity at any time 
  D. Interest, fees and charges              without prior notice to you or your consent.
                                             No Waiver of Rights
  Interest charges                                                                       rev.	04/13
                                             We can delay enforcing our rights under this Agreement without losing them.          No   No No No
  �	 There is no period in which you can pay back a cash advance, any other trans-                                                              Yes Yes Yes
                                             Severability
    action 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  If any provision of this Agreement is in con?ict with applicable law, that provision 
                                                                                                                            Can you limit   this sharing?
    check, the date of the advance is the date the convenience check is presented  will be considered to be modi?ed to conform with applicable law.
    to us or our agent for payment. For all other cash advances, the date of the  Notice to New Jersey Residents
    advance is the date you obtained the advance. All provisions of this agreement are valid, enforceable and applicable in New 
  �	 If you make a purchase under a Regular Revolving Credit Plan, interest charg- Jersey.
    es won�t be imposed in any billing period in which (i) no Previous Balance  F. Disputes and Reporting to Consumer Reporting Agencies
    exists or (ii) payments received and credits issued by the Payment Due Date, 
                                             Credit Reports
    equal or exceed the Previous Balance.
  �	 If the New Balance shown on your last Statement isn�t paid in full by the Pay- �	 You give us permission to investigate your credit record.
                                                                                                                                  Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
    ment Due Date shown on your last Statement, there will be an interest charge  �	 You agree that a credit report may be requested in connection with the pro- share?
    on each purchase from the date of purchase. cessing of your credit application. A report may also be requested in connec-
  �	 If you make a purchase under any Waive Interest Credit Plan, we won�t charge  tion with a credit extension, credit limit request, Account renewal or update,  Does Comenity 
    interest on the purchase if you pay the total purchase amount before the end  Account collection action, or dispute investigation. Upon request, we will tell 
    of the promotional period. If you don�t pay the total purchase amount before  you the name and address of any consumer reporting agency that furnished 
    the end of the promotional period, we�ll add the remaining amount to your  a report on you. You consent to the obtaining of such reports by signing or 
    Regular Revolving balance. We�ll also begin charging interest on the purchase  otherwise submitting an application or solicitation.
    from the ?rst day after the promotional period ends. �	 You understand that we may report negative information (such as, late pay-
  �	 If you make a purchase under any Defer Interest Promotional Credit Plan and  ments, missed payments, or other defaults) about your Account to consumer 
    don�t pay the total amount before the end of the promotional period, we�ll add  reporting agencies.
    the remaining purchase amount and the amount of accrued interest to your  �	 You give us permission to provide information about your Account to consumer 
    Regular Revolving balance.                reporting agencies and other creditors, as well as to the retailer whose name 
  �	 If you make a purchase under a Low APR, Equal Payment Credit Plan, interest  appears on your Card.
    will be assessed from the date of purchase through the end of the promotional  Credit report disputes
    period.                                  If you believe the Account information we reported to a consumer reporting agen-
  How we calculate Finance Charges on your Account cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
  We calculate interest separately for each Credit Plan, using a �Daily Balance�  Box 182120, Columbus, Ohio 43218-2120. 
  to determine interest charges for each billing period. Our calculation method is  Your written dispute must provide suf?cient information to identify the Account 
  as follows:                                and specify why the information is inaccurate:
  �	 We start with the beginning balance on your Account each day (including  �	 Account Information:  Your name and Account number
    unpaid interest charges and fees).       �	 Contact Information:  Your address and telephone number
  �	 We subtract any payments or credit adjustments (treating any net credit bal- �	 Disputed Information:  Identify the Account information disputed and explain  Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
    ance as a zero balance) and add new transactions and debit adjustments  why you believe it is inaccurate
    posted as of that day. This gives us the �Partial Daily Balance� for the day. �	 Supporting Documentation:  If available, provide a copy of the section of the  WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
  �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  credit report showing the Account information you are disputing information
    Rate. This gives us the �Daily Interest Charge� for the day, which we add to  We will investigate the disputed information and report the results to you within 
    the day�s Partial Daily Balance.         30 days of receipt of the information needed for our investigation. If we ?nd that 
  �	 We�ve now determined the �Daily Balance,� which will be the beginning  the Account information we reported is inaccurate, we will promptly provide the 
    balance for the following day. This results in daily compounding of interest  necessary correction to each consumer reporting agency to which we reported 
    charges.                                 the information.
  �	 At the end of each billing period, we add together each Credit Plan�s Daily  Your Billing Rights: Keep This Document For Future Use
                                                                                                                            Reasons we can share your personal  
    Interest Charge, which gives us the total interest charge. This notice tells you about your rights and our responsibilities under the Fair 
  �	 Your Statement will show a Balance Subject to Interest Rate, which is the sum  Credit Billing Act. FACTS Why? What?  How?                                sharing
    of the Daily Balances for each day in the billing period divided by the total                                                                           To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
    number of days.
                                                                                                                                For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                                                                                                             CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-037; PO #009401xxxx; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used:  C. Learning more about your account Rates What To Do If You Find A Mistake On Your Statement H. Communicating with us
 �	 The Index in effect for each billing period will be the highest �Prime Rate� of  If you think there is an error on your statement, write to us at: Comenity Capital 
 Credit Plans
  Bank, PO Box 182620, Columbus, Ohio 43218-2620 Communicating to you about your Account
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Credit  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 be- In your letter, give us the following information: If we need to contact you to service your Account or to collect amounts you owe 
 Plan and one or more promotional Credit Plans. Credit Plans offered and their 
 gins, rounded upward if necessary, to the nearest .001% (�Index�).  �	 Account information: Your name and account number. to us, you give direct consent to us, as well as servicers, agents, contractors and 
 particular features (including but not limited to minimum purchase require-
 �	 Any variable APR may increase if the Index increases. �	 Dollar amount: The dollar amount of the suspected error. collectors of your Account, to communicate with you in any way, such as calling, 
 ments and minimum payment) may vary occasionally at our discretion and 
  �	 Description of problem: If you think there is an error on your bill, describe what  texting, or electronic mail via:
 include one or more Regular Revolving or promotional Credit Plans. �	 An increase or decrease in the APR will result in a corresponding increase 
    you believe is wrong and why you believe it is a mistake. 1)  a cell, landline, or text number you provide, use to contact us, or at which 
 �	 We may offer different promotional Credit Plans from time to time. or decrease in the amount of interest and may increase the Total Minimum 
 Payment. You must contact us:                 we believe we can reach you (even if it is not yours),
 �	 If a promotional Credit Plan is offered at the time you open your Account, 
 Other fees and charges �	 Within 60 days after the error appeared on your statement. 2)  any electronic mail address you provide to us or one of our merchants,
 this Agreement will include information about the terms for the Plan, by use 
  �	 At least 3 business days before an automated payment is scheduled, if you  3)  automated dialer systems and automatic telephone dialing systems,
 of an insert, attachment, or other written information provided as part of this  You agree to pay the following fees and charges:
    want to stop payment on the amount you think is wrong. 4)  pre-recorded or arti?cial voice messages and other forms of communica-
 Agreement. �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Payment 
  You must notify us of any potential errors in writing. You may call us, but if you  tions.
 �	 Normal late fees, returned payment fees and all other provisions apply to any  Due Date, we will charge you a late fee.
                                             You also agree that these communications aren�t unsolicited for purposes of any 
 promotional Credit Plan, unless inconsistent with a particular Credit Plan of- o  The fee is $25.00 if you were not charged a late fee during any of the  do we are not required to investigate any potential errors and you may have to 
  pay the amount in question.                state or federal law, and you understand that this may result in additional mobile, 
 fering. prior six billing periods.
                                             text message, or data charges.
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- o  Otherwise, the fee is $35. What Will Happen After We Receive Your Letter
                                             Phone monitoring
 tional period ends, the balance will be transferred to your Regular Revolving  o  This fee will never exceed the minimum payment due that was due  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  �	 To provide you with high-quality service, phone communication with us is 
 balance. immediately prior to the date on which the fee was assessed.
 �	 Promotional Credit Plans may include: �	 Returned Payment Fee: We may charge you a fee for each payment that your  letter. We will also tell you if we have already corrected the error. monitored and/or recorded.  
 bank doesn�t honor for any reason. 2. Within 90 days of receiving your letter, we must either correct the error or  �	 You agree that we monitor and/or record any phone calls between you and us.  
 o  Waive Interest, Payment Required  o Defer Interest, Payment Required
 o  The fee is $25.00 if you were not charged a returned payment fee  explain to you why we believe the bill is correct. �	 Please inform all authorized cardholders of this provision, including anyone 
 o  Waive Interest, Equal Payment  o Defer Interest, Low Payment
  While we investigate whether or not there has been an error: acting on your behalf or making payments on this Account.
 o  Waive Interest, Low Payment  o Low APR, Equal Payment during any of the prior six billing periods.
  �	 We cannot try to collect the amount in question, or report you as delinquent  For Wisconsin residents:
 o  Defer Interest, Equal Payment  o Budget Payment o  Otherwise, the fee is $35.
    on that amount.                          If you are married, please contact us immediately upon receipt of this Agreement 
 Skip-payment option o  This fee will never exceed the minimum payment due that was due 
 immediately prior to the date on which the fee was assessed. �	 The charge in question may remain on your statement, and we may continue  at 1-855-334-3686 (TDD/TTY 1-888-819-1918) and provide us with the name 
 �	 At our discretion, we may allow you to skip making the Minimum Payment.
    to charge you interest on that amount.   and address of your spouse. We are required to inform your spouse that we have 
 �	 Finance Charges will be assessed during the skip-payment period, but a late  �	 Although we may decide to do so, we aren�t required to attempt to collect a 
 payment more than once. �	 While you do not have to pay the amount in question, you are responsible for  opened a credit account for you.
 fee won�t be imposed.  This will not be considered a waiver of any of the rights 
 �	 Document Fees: If we provide you with a copy of any Statement, sales draft or  the remainder of your balance. For bankruptcy noti?cations:
 granted by this Agreement.
 similar document at your request (except in connection with billing error in- �	 We can apply any unpaid amount against your credit limit. All bankruptcy notices and related correspondence to Comenity Capital Bank 
 �	 All other terms of your Account apply during the skip-payment period.
 quiries or resolution), we may charge the Account the following fee(s), subject  After we ?nish our investigation, one of two things will happen: should be sent to the following address: Comenity Capital Bank, Bankruptcy 
 Credit limit
 to any limitations of applicable law: �	 If we made a mistake: You will not have to pay the amount in question or any  Department, PO Box 183043, Columbus, Ohio 43218-3043.
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at 
 o  Statement copy - $6.00 interest or other fees related to that amount.
 any time.                                   I. Arbitration and jury trial waiver
 o  Sales/Credit Draft copy - $6.00 �	 If we do not believe there was a mistake: You will have to pay the amount in 
 �	 You may not exceed any Credit Limit that we set for your Account.
 o  Check/Money Order copy - $6.00 question, along with applicable interest and fees. We will send you a state- A. Jury trial waiver
 �	 If you do exceed your Credit Limit, we can still charge you for all transac- TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
 �	 Alternative Payment Method Fee: We may offer alternative payment methods  ment of the amount you owe and the date payment is due. We may then report 
 tions, interest and other charges without giving up any of our rights under this  TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
 that allow you to make individual, expedited payments to your Account over  you as delinquent if you do not pay the amount we think you owe.
 Agreement.                                  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
 the phone.  If you choose to use this payment method, we may assess the  If you receive our explanation but still believe your bill is wrong, you must write 
 �	 We may change your Credit Limit at any time.
 current fee we charge for this service, subject to any limitations of applicable  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
 Account cancellation report you as delinquent without also reporting that you are questioning your bill.  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
 law. Currently, that fee is up to $15.00 but may change. We�ll let you know the 
 �	 You may cancel your Account. You�re still obligated to pay the full amount 
 current fee before you authorize any payment(s), and you can withdraw your  We must tell you the name of anyone to whom we reported you as delinquent,  IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
 you owe us. and we must let those organizations know when the matter has been settled  B. Notice and cure
 request if you don�t want to pay the fee.
 �	 We may cancel your Account at any time, for any reason.
 �	 Cash Advance Fee: For any cash advance obtained in person from a ?nancial  between us. Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris-
 �	 We may refuse to authorize any transaction on your Account. We may also 
 institution or through an ATM, you will pay a transaction fee equal to the  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  ing out of or related to this Agreement (as further de?ned below, a �Claim�), 
 suspend your Account and your right to use your Card, including each Card 
 greater of $5 or 3% of the amount of the cash advance. You take a cash ad- the amount you question even if your bill is correct. the party asserting the Claim (the �Claimant�) shall give the other party (the 
 you give to others.
 vance if you use a convenience check; get money through an automated teller  Your Rights If You Are Dissatis?ed With Your Credit Card Purchases �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable 
 �	 We may stop offering any Credit Plan at any time, for any reason.
 machine (ATM); or get money through a ?nancial institution. If you are dissatis?ed with the goods or services that you have purchased with  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you 
 �	 Cancellation or suspension of your Account doesn�t negate your obligation to 
 �	 Convenience Check Fee:  For any convenience check written against your Ac- your credit card, and you have tried in good faith to correct the problem with the  shall be sent in writing to the address we have in our records (or any updated 
 pay any amount you owe us.
 count, you will pay a transaction fee equal to the greater of $5 or 3% of the  merchant, you may have the right not to pay the remaining amount due on the  address you subsequently provide to us).  Any Claim Notice to us shall be sent by 
 �	 Cancellation of your Account includes each Card you give to others.
 amount of the convenience check. purchase.  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436 
 �	 Cards are issued with an expiration date. We have the right not to renew your 
 �	 Balance Transfer Fee:  For any balance transfer from another account, you will  To use this right, all of the following must be true: (or any updated address we subsequently provide).  Any Claim Notice you send 
 Account.
 pay a transaction fee equal to the greater of $10 or 3% of the amount of the  1. The purchase must have been made in your home state or within 100 miles  must provide your name, address and Account number.  Any Claim Notice must 
 Minimum Payment
 balance transfer. of your current mailing address, and the purchase price must have been more  explain the nature of the Claim and the relief that is demanded.  You may only 
 �	 You can pay all of your Account balance at any time without  �	 Foreign Transaction Fee: For any charge or cash advance outside the United  than $50. (Note: Neither of these are necessary if your purchase was based on  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 
 penalty. States or in a foreign currency, you will pay a transaction fee equal to 3% of  an advertisement we mailed to you, or if we own the company that sold you the 
                                             Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid-
 �	 You must pay at least the Total Minimum Payment for each billing period by  the U.S. dollar amount of the transaction.  If a charge or cash advance is con- goods or services.)
 verted into U.S. dollars our network providers (Visa, MasterCard, and Discover)  2. You must have used your credit card for the purchase. Purchases made with  ing any information about the Claim that the other party reasonably requests.
 the Payment Due Date shown on your Statement.
 �	 The Minimum Payment is the total of the minimum payments for the Regular  will select either (1) a rate from the range of rates available in wholesale cur- cash advances from an ATM or with a check that accesses your credit card ac- C. Arbitration provision
 Revolving and promotional Credit Plans plus any Past Due amounts. rency markets for the applicable central processing date, which may vary from  count do not qualify. READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account bal- the rate the network provider itself receives, or (2) a government-mandated  3. You must not yet have fully paid for the purchase. THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE-
 ance is less than $25.00, you must pay the amount indicated on your State- rate in effect for the applicable central processing date. If all of the criteria above are met and you are still dissatis?ed with the purchase,  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
 ment in full. �	 Return Convenience Check Fee: For each convenience check written against  contact us in writing at: TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
 �	 The minimum payment for each Credit Plan is calculated as follows: your Account which fails to clear and is returned unsatis?ed, you will pay a  Comenity Capital Bank YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
 o  The minimum payments for Waive Interest, Payment Required and  fee of up to $35.  PO Box 182620, Columbus, Ohio 43218-2620 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
 Defer Interest, Payment Required Credit Plans will be the greater of: �	 Stop Payment Fee: For each convenience check written against your Account  While we investigate, the same rules apply to the disputed amount as discussed  prior arbitration agreement between you and us (�Prior Arbitration Agreement�)) 
 (a) $5.00; or on which you request us to stop payment, you will pay a fee of up to $35,  above. After we ?nish our investigation, we will tell you our decision. At that  to apply, you may reject it by mailing us a written rejection notice which gives the 
 (b) 1% (rounded up to the nearest $1.00) of the New Balance  regardless of whether we actually stop payment on the convenience check. point, if we think you owe an amount and you do not pay, we may report you as  name of each Cardholder and contains a statement that you (both of you, if more 
 shown on your Statement for that Credit Plan. delinquent. than one) reject the Arbitration Provision of this Agreement. The rejection notice 
 E. Other important information 
 o  The minimum payment for the Waive Interest, Equal Payment and  must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio 
 Collection costs G. Optional products
 Defer Interest, Equal Payment Credit Plans will be the amount of the  43218-2422. A rejection notice is only effective if it is signed by you (all of you, 
 To the extent not prohibited by applicable law, you agree to pay the reasonable 
 purchase divided by the number of months between the date of the  Credit insurance (as applicable) if more than one) and if we receive it within thirty (30) calendar days after the 
 costs for collecting amounts due, including reasonable attorney�s fees and court 
 purchase and the promotional period end date (minimum $5.00)  Purchasing credit insurance is optional. If you do choose to carry credit insur- date we ?rst provide you with a credit card agreement or written notice providing 
 costs incurred by us or another person or entity.
 rounded up to the nearest $1.00. ance coverage, the premium charge will be added to your Account as a purchase  you a right to reject this Arbitration Provision. Your rejection of this Arbitration 
 Changes
 o  The minimum payment for the Low APR, Equal Payment Credit Plan  on the last day of each billing period.  You can cancel your coverage at any time. Provision will not affect any other provision of this Agreement or your ability to 
 will be the amount of the purchase including the calculated interest  We may add, change, or delete the terms of your Account. If required by appli- Account Assure Pro Debt cancellation (as applicable) obtain credit.
 charges that will be assessed from the date of purchase through the  cable law, we will give you advance written notice of the change(s) and a right to  �	 Purchasing Account Assure Pro is optional. 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision 
 end of the promotional period divided by the number of months be- reject the change(s). �	 Your decision whether or not to purchase Account Assure Pro won�t affect your  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a) 
 tween the date of the purchase and the promotional period end date  Security Interest application for credit or the terms of any existing credit agreement you have  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the 
 (minimum $5.00) rounded up to the nearest $1.00. You grant us a security interest in all goods you purchase through the use of the  with us. employees, of?cers and directors of such companies (the �Bank Parties�); and 
 o  The minimum payment for the Waive Interest, Low Payment and Defer  Account, now or at any time in the future and in all accessions to and proceeds of  �	 The monthly fee for Account Assure Pro is based on the outstanding monthly  (b) any other person or company that provides any services in connection with 
 Interest, Low Payment Credit Plans will be the greater of: such goods. We waive any security interest we may have in your principal dwell- balance on your Account each month and will be added to your Statement. this Agreement if you assert a Claim against such other person or company at the 
 (a) $5.00 or ing, to the extent that it would otherwise secure any obligation arising hereunder. �	 We�ll provide additional information before you�re required to pay for Account  same time you assert a Claim against any Bank Party.
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance  Changes to your information Assure Pro. This will include a copy of the terms and conditions pertaining to  3. Covered Claims:  �Claim� means any claim, dispute or controversy between 
 shown on your Statement for that Credit Plan. You agree to notify us immediately of any changes to your name, mailing address,  Account Assure Pro. you and us that in any way arises from or relates to this Agreement, the Account, 
 Payment application electronic mail address or telephone number(s). �	 You can cancel your Account Assure Pro at any time. the issuance of any Card, any rewards program, any prior agreement or account. 
 �	 We reserve the right to apply payments equal to or less than the Total Mini- Governing Law �	 There are eligibility requirements, conditions, and exclusions that could pre- �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 
 mum Payment however we see ?t, which may result in balances subject to  THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW.  vent you from receiving bene?ts under Account Assure Pro.
  �	 Be sure to carefully read the Addendum for a full explanation of the terms of  or approval of the Account. �Claim� has the broadest possible meaning, and 
 lower interest rates being paid prior to other balances. This may also result in  THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
 higher interest charges. MITTED OR REQUIRED BY APPLICABLE LAW. Account Assure Pro.
 �	 Any payment you make in excess of the required Total Minimum Payment will  Transfer of Rights/Assignment
 be allocated to your Account as required by applicable law. *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 Your rights under this Agreement can�t be transferred by you, by operation of law 
 �	 Excess payments received before a deferred interest promotion expires are  or otherwise, but your obligations will be binding upon your estate or personal 
 applied to the deferred interest promotional balance ?rst in the last two billing  representatives. We may transfer or assign your Account and/or this Agreement, 
 periods of the promotional period. or any of our rights under this Agreement, to another person or entity at any time 
 D. Interest, fees and charges without prior notice to you or your consent.
 No Waiver of Rights
 Interest charges rev.	04/13
 We can delay enforcing our rights under this Agreement without losing them. No No No No
 �	 There is no period in which you can pay back a cash advance, any other trans- Yes Yes Yes
 Severability
 action 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  If any provision of this Agreement is in con?ict with applicable law, that provision 
                                       Can you limit   this sharing?
 check, the date of the advance is the date the convenience check is presented  will be considered to be modi?ed to conform with applicable law.
 to us or our agent for payment. For all other cash advances, the date of the  Notice to New Jersey Residents
 advance is the date you obtained the advance. All provisions of this agreement are valid, enforceable and applicable in New 
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest charg- Jersey.
 es won�t be imposed in any billing period in which (i) no Previous Balance  F. Disputes and Reporting to Consumer Reporting Agencies
 exists or (ii) payments received and credits issued by the Payment Due Date, 
 Credit Reports
 equal or exceed the Previous Balance.
 �	 If the New Balance shown on your last Statement isn�t paid in full by the Pay- �	 You give us permission to investigate your credit record.
                                             Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 ment Due Date shown on your last Statement, there will be an interest charge  �	 You agree that a credit report may be requested in connection with the pro- share?
 on each purchase from the date of purchase. cessing of your credit application. A report may also be requested in connec-
 �	 If you make a purchase under any Waive Interest Credit Plan, we won�t charge  tion with a credit extension, credit limit request, Account renewal or update,  Does Comenity 
 interest on the purchase if you pay the total purchase amount before the end  Account collection action, or dispute investigation. Upon request, we will tell 
 of the promotional period. If you don�t pay the total purchase amount before  you the name and address of any consumer reporting agency that furnished 
 the end of the promotional period, we�ll add the remaining amount to your  a report on you. You consent to the obtaining of such reports by signing or 
 Regular Revolving balance. We�ll also begin charging interest on the purchase  otherwise submitting an application or solicitation.
 from the ?rst day after the promotional period ends. �	 You understand that we may report negative information (such as, late pay-
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan and  ments, missed payments, or other defaults) about your Account to consumer 
 don�t pay the total amount before the end of the promotional period, we�ll add  reporting agencies.
 the remaining purchase amount and the amount of accrued interest to your  �	 You give us permission to provide information about your Account to consumer 
 Regular Revolving balance. reporting agencies and other creditors, as well as to the retailer whose name 
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan, interest  appears on your Card.
 will be assessed from the date of purchase through the end of the promotional  Credit report disputes
 period. If you believe the Account information we reported to a consumer reporting agen-
 How we calculate Finance Charges on your Account cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
 We calculate interest separately for each Credit Plan, using a �Daily Balance�  Box 182120, Columbus, Ohio 43218-2120. 
 to determine interest charges for each billing period. Our calculation method is  Your written dispute must provide suf?cient information to identify the Account 
 as follows: and specify why the information is inaccurate:
 �	 We start with the beginning balance on your Account each day (including  �	 Account Information:  Your name and Account number
 unpaid interest charges and fees). �	 Contact Information:  Your address and telephone number
 �	 We subtract any payments or credit adjustments (treating any net credit bal- �	 Disputed Information:  Identify the Account information disputed and explain  Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
 ance as a zero balance) and add new transactions and debit adjustments  why you believe it is inaccurate
 posted as of that day. This gives us the �Partial Daily Balance� for the day. �	 Supporting Documentation:  If available, provide a copy of the section of the  WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
 �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  credit report showing the Account information you are disputing information
 Rate. This gives us the �Daily Interest Charge� for the day, which we add to  We will investigate the disputed information and report the results to you within 
 the day�s Partial Daily Balance. 30 days of receipt of the information needed for our investigation. If we ?nd that 
 �	 We�ve now determined the �Daily Balance,� which will be the beginning  the Account information we reported is inaccurate, we will promptly provide the 
 balance for the following day. This results in daily compounding of interest  necessary correction to each consumer reporting agency to which we reported 
 charges. the information.
 �	 At the end of each billing period, we add together each Credit Plan�s Daily  Your Billing Rights: Keep This Document For Future Use
                                       Reasons we can share your personal  
 Interest Charge, which gives us the total interest charge. This notice tells you about your rights and our responsibilities under the Fair 
 �	 Your Statement will show a Balance Subject to Interest Rate, which is the sum  Credit Billing Act. FACTS Why? What?  How? sharing
 of the Daily Balances for each day in the billing period divided by the total  To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
 number of days.
                                           For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                        CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-037; PO #009401xxxx; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Finch opaque smooth, Color: Black both sides, Font Size used: CCA 8pt, Privacy 10pt & 12pt; 10pt type in boxes; 12pt headers and 16pt APR; Fonts used: 
  includes initial claims, counterclaims, cross-claims and third-party claims. It  11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  Your Modell�s MVP Visa Credit Card Account Agreement. 39070I004 (02/14)
  includes disputes based upon contract, tort, consumer rights, fraud and other  award may be entered by any court having jurisdiction. The arbitrator�s decision 
                                            is ?nal and binding, except for any right of appeal provided by the FAA. However,  This card is issued by Comenity Capital Bank pursuant to a li- Minimum Payment: The Minimum Payment Due is the total of minimum pay-
  intentional torts, constitution, statute, regulation, ordinance, common law and 
  equity (including any claim for injunctive or declaratory relief). �Claim� does not  if the amount of the Claim exceeds $50,000 or involves a request for injunctive  cense from Visa USA Inc. Visa is a registered trademark of Visa  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
                                                                                                                                 Past Due amounts. The total Minimum Payment Due on your account won�t be 
  include disputes about the validity, enforceability, coverage or scope of this Arbi- or declaratory relief that could foreseeably involve a cost or bene?t to either party  USA Inc.  This Agreement covers the Terms and Conditions of 
                                            exceeding $50,000, any party can, within 30 days after the entry of the award        less than $25.00. If your Account balance is less than $25.00, you must pay the 
  tration Provision or any part thereof (including, without limitation, the prohibition  your account with us. In this document, you will ?nd important 
  against class proceedings, private attorney general proceedings and/or multiple  by the arbitrator, appeal the award to a three-arbitrator panel administered by the  amount indicated on your Statement in full. The Minimum Payment Due for each 
                                            Administrator. The panel shall reconsider anew any aspect of the initial award  information about using and managing your account, including  Regular Revolving and Cash Revolving Credit Plans will be: 
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the 
                                                                                                                                 �	 The greater of:
  last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  requested by the appealing party. The decision of the panel shall be by majority  a Privacy Statement and information concerning your billing 
                                            vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the       o  1% of the New Balance, excluding any new Regular Revolving or Cash 
  a court and not an arbitrator to decide. However, any dispute or argument that       rights. Your use of the account, or failure to close the account 
  concerns the validity or enforceability of the Agreement as a whole is for the  panel if an appeal of the arbitrator�s decision has been taken. The costs of such  Revolving Credit Plan Finance Charges shown on the Statement; or 
                                                                                       within the 30 days of receiving this document, indicates your 
                                            an appeal will be borne in accordance with Paragraph C.8. above.                       o  $5.00
  arbitrator, not a court, to decide.
                                                                                       acceptance of the terms of this agreement, including the assess-
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-    �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
  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  ment of all amounts owed under this Agreement, the closing of the Account, any  ment of any interest charges and fees. Charges shown on the Statement rounded up to the nearest $1.00.
  different Claim. Arbitration is started by giving a written demand for arbitration  legal proceeding and any bankruptcy to the extent consistent with applicable  Section I of this Agreement also includes a Jury Trial Waiver and  See Minimum Payment in Section C below for promotional credit plan minimum 
  to the other party. We will not demand to arbitrate an individual Claim that you  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- payment calculations. 
                                                       World Financial Capital Bank is a Comenity SM company. an Arbitration Provision in the event of a dispute.
  bring against us in small claims court or your state�s equivalent court, if any. But  tion Provision, on the one hand, and the applicable arbitration rules or the other  The APR information described below is accurate as of February 1, 2014.  Due to 
                                                       Salt Lake City, UT              �	 You have a right to reject this Arbitration Provision.
  if that Claim is transferred, removed or appealed to a different court, we then  provisions of this Agreement, on the other hand, this Arbitration Provision shall  a change in the index, this information may have changed.  To ?nd out more, call 
  have the right to demand arbitration.     govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. �	 If you do not reject this Arbitration Provision, it will be part  us at 1-855-334-3686 (TDD/TTY: 1-888-819-1918), or write us at Comenity 
  5. Choosing the Administrator:  �Administrator� means the American Arbitration  13. Severability:  If any portion of this Arbitration Provision, other than the Class  of this Agreement and will: Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
                                                                                                                                 site at comenity.net/modellsmvpvisa.
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  o  Eliminate your right to a trial by jury; and
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www. nevertheless remain in force. If a determination is made that the Class Action  A. Getting Started
                                                                                            o  Substantially affect your rights, including your right 
  jamsadr.com; or any other company selected by mutual agreement of the par- Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- De?nitions
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable  main in force and the remaining provisions shall be null and void, provided that  World Financial Capital Bank is a to bring, join in or participate in class proceedings.
                                            the determination concerning the Class Action Waiver shall be subject to appeal. Comenity SM In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
  to select an Administrator by mutual consent, the Administrator will be selected  company. Please read each section carefully and keep this document for 
                                                                                                                                 and �Your� mean each person who submits an application or solicitation for an 
  by a court. The arbitrator will be appointed by the Administrator in accordance  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  Salt Lake City, UT your records. Account with us. �Account� means your credit card account with us. �Card� 
  with the rules of the Administrator. However, the arbitrator must be a retired or  Paragraph B above on your own behalf (and not on behalf of any other party); 
                                                                                       In the following sections, you will ?nd information on: means each credit card we issue for your Account. �Credit Plan� means one or 
  former judge or a lawyer with at least 10 years of experience. You get to select the  (2) we refuse to provide you with the relief you request; and (3) an arbitrator  more payment program options Modell�s may ask us to offer from time to time.
  Administrator if you give us written notice of your selection with your notice that  subsequently determines that you were entitled to such relief (or greater relief),  Financial terms of your account: An at-a-glance summary of the fees and charges 
                                                                                                                                 Upholding your Agreement
  you are electing to arbitrate any Claim or within 20 days after we give you notice  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  associated with your account
                                                                                                                                 �	 You agree to the terms of this Agreement, and promise to do everything re-
  that we are electing to arbitrate any Claim (or, if you dispute our right to require  you are entitled). A.  Getting started: the basics of your account
                                                                                                                                  quired of you. If you sign or submit an application or solicitation to obtain 
  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).     B.  Keeping your account in good standing: avoiding default, and what to do if  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
  If you do not select the Administrator on time, we may do it. Notwithstanding          your card is lost or stolen              bound if you sign a charge slip, or permit someone else to use the credit 
  any language in this Arbitration Provision to the contrary, no arbitration may be  Comenity Capital Bank, Salt Lake City, UT
                                                                                       C.  Learning more about your account: credit plans, and credit limits, and how  provided.
  administered, without the consent of all parties to the arbitration, by any Admin-     payments are calculated and applied     �	 You agree that the credit extended under your Account will be used only for 
  istrator that has in place a formal or informal policy that is inconsistent with the  39070I004 (02/14)
                                                                                       D.  Interest, fees and charges: when and how fees and costs are applied to your  personal, family or household purposes and not for business or commercial 
  Class Action Waiver.
                                                                                         account                                  purpose.
  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                     E.  Other important information: legal rights, costs, and how we�ll handle  �	 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 respon-
  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,                      changes to your account
                                                                                                                                  sible for repaying all amounts due.  If more than one person is responsible for 
  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN                     F.  Disputes and reporting to consumer reporting agencies: data we provide, 
                                                                                                                                  this Account, we will only provide billing statements and communications to 
  ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE                        and receive from, consumer reporting agencies, and what to do if you think 
                                                                                                                                  one of you.
  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.                         there is an error on your periodic statement
                                                                                                                                 �	 Any authorized user of your Account will be bound by the terms of this Agree-
  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI-             G.  Optional products: how to protect your account from fraud or theft, and 
                                                                                                                                  ment. One additional Card may be issued with the individual name of an 
  TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS                       information on services that can help pay your debt in case of emergencies
                                                                                                                                  authorized user embossed on the Card. If you want to revoke the use of your 
  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-                     H.  Communicating with us: what happens when you contact us Account by an authorized user, either write us at the address, or call us at the 
  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT                      I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including  phone number, shown on your Statement.
  AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)                          a jury trial waiver and Arbitration provision �	 You agree to pay for all transactions made on your Account by an authorized 
  CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
                                                                                       Privacy statement: how we collect, use, share, and protect your personal informa- user, whether or not such transactions were authorized by you or made for 
  DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
                                                                                       tion; and the privacy choices you can make your bene?t.
  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
                                                                                                                                 Card signature (as applicable)
  A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION                       Financial terms of your account
                                                                                                                                 For your own protection, please sign your Card before using it. Keep in mind that 
  OR MULTIPLE-PARTY ARBITRATION. 
                                                                                                                                 your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
  8. Location and Costs of Arbitration:  Any arbitration hearing that you attend        Interest Rates and Interest Charges
                                                                                                                                 incurred on your Account.
  must take place at a location reasonably convenient to you. We will pay any and 
                                                                                                                                 Using your Account
  all fees of the Administrator and/or the arbitrator if applicable law requires us                23.99%, 21.99%, or 
  to, if you prevail in the arbitration or if we must bear such fees in order for this  Annual                                   �	 Your Account may be used to make purchases from anywhere Visa is accepted.
  Arbitration Provision to be enforced. If you demand an arbitration, we will pay                  17.99% when you open your     �	 We reserve the right to not honor transactions related to, including, but not 
                                                                                        Percentage 
  your reasonable attorneys� and experts� fees if you prevail or if we must bear such                                             limited to, gambling, ATM usage at casinos, and illegal activities.
                                                                                        Rate (APR) for  account, based on your creditworthiness.
  fees in order for this Arbitration Provision to be enforced. Also, we will bear any                                            �	 You may obtain a loan from us under your Account by using your Card or a 
  fees if applicable law requires us to.                                                Purchases                                 convenience check as follows: by purchasing goods or services with your Card 
                                                                                                   After that, this APR will vary with the 
  9. Governing Law:  This Arbitration Provision involves interstate commerce and                                                  or your Account number; by obtaining a cash advance from a ?nancial institu-
                                                                                                   market based on the Prime Rate.
  is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and                                                   tion, by use of an ATM; by using a convenience check; or, by incurring charges 
  not by any state arbitration law. The arbitrator must apply applicable substantive                                              authorized by this Agreement.
                                                                                        APR for Balance  25.99%
  law consistent with the FAA and applicable statutes of limitations and claims of                                               �	 From time to time, in our sole discretion, we may send you convenience 
                                                                                        Transfers and 
  privilege recognized at law. The arbitrator may award any remedy provided by the                 This APR will vary with the market based  checks for use in borrowing under this Agreement. All convenience checks you 
  substantive law that would apply if the action were pending in court (including,      Cash Advances                             use will be treated as cash advances under this Agreement, and subject to the 
                                                                                                   on the Prime Rate.
  without limitation, punitive damages, which shall be governed by the Constitu-                                                  terms and fees that apply to cash advances, unless we advise you otherwise.
                                                                                                   Your due date is at least 25 days after 
  tional standards employed by the courts). At the timely request of either party,                                               �	 You agree that convenience checks that you use will not be returned to you.
  the arbitrator must provide a brief written explanation of the basis for the award.              the close of each billing cycle. We will  �	 You may not use the convenience checks to make payments on any Comenity 
  10. Right to Discovery:  In addition to the parties� rights to obtain discovery                                                 Capital Bank Bank Account.
                                                                                                   not charge you interest on purchases if 
  pursuant to the arbitration rules of the Administrator, either party may submit                                                �	 You agree not to use a convenience check, and we do not have to pay any 
  a written request to the arbitrator to expand the scope of discovery normally al-     Paying Interest you pay your entire balance by the due  convenience check:
  lowable under the arbitration rules of the Administrator. The arbitrator shall have                                              o  if you are in default under this Agreement;
                                                                                                   date each month.  We will begin charging 
  discretion to grant or deny that request.                                                                                        o  if payment of that convenience check would cause your outstanding 
                                                                                                   interest on balance transfers and cash  cash advance balance to exceed your cash advance limit; or
                                                                                                   advances on the transaction date. o  if we cancel or suspend your right to use convenience checks
                                                                                                                                 �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                        Minimum    If you are charged interest, the charge  transfer account balances from other credit card accounts you may have to 
                                                                                        Interest Charge will be no less than $2.00 per credit plan the Account. We may, in our sole discretion, offer promotional plans for such 
                                                                                                                                  balance transfers.
                                                                                        For Credit                               �	 You may use the Card to obtain cash advances through certain ATMs. You will 
                                                                                                   To learn more about factors to consider 
                                                                                        Card Tips from                            be given a Personal Identi?cation Number (PIN) which must be used in order 
                                                                                                   when applying for or using a credit  to obtain an ATM cash advance.
                                                                                        the Consumer 
                                                                                                   card, visit the website of the Consumer  o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                        Financial                                     tions on dollar amount, number, or currency denominations.
                                                                                                   Financial Protection Bureau at http://
                                                                                        Protection                                 o  You agree that any charges imposed by third parties for use of their 
                                                                                                   www.consumer?nance.gov/learnmore.  ATM facilities will be added to your Account balance as a cash ad-
                                                                                        Bureau                                        vance.
                          *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *                                                         �	 If you make a purchase or obtain a cash advance in a foreign currency, it will 
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;   Fees
   contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2 be converted by Visa into U.S. dollars in accordance with Visa Operating Regu-
                                                                                        �	 Annual Fee   None                      lations in effect at the time the transaction is processed.
                                                                                                                                   o  The currency conversion rate in effect on the processing date may dif-
                                                                                                                                      fer from the rate in effect on the transaction date or the posting date.
                                                                                        Transaction Fees
                                                                                                                                   o  The currency conversion rate used may be the same as, greater than, or 
                                                                                        �	 Balance Transfer The greater of $10 or 3% of the  less than the amount that would be calculated by conversion through 
                                                                                                        amount of the balance transfer.  a ?nancial institution in the country in which the purchase or cash 
                                                                                                                                      advance occurred.
                                                                                        �	 Cash Advance The greater of $5 or 3% of the 
                                                                                                                                 Making payments
                                                                                                        amount of the cash advance. �	 Pay your Account by sending a check, money order, or cashier�s check payable 
                                                                                        �	 Convenience Checks The greater of $5 or 3% of the  in U.S. dollars, to the name and address shown on your Statement speci?ed 
                                                                                                                                  for payments. Please don�t send cash.
                                                                                                        amount of the convenience 
                                                                                                                                 �	 Be sure to include your payment stub, do not staple your payment to the stub, 
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  check. use the envelope provided with your Statement and don�t send any correspon-
                                                                                        �	 Foreign Transaction 3% of each transaction in U.S.  dence with your payment.
                                                                                                                                 �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                                        dollars.
                                                                                                                                  your Account for up to ?ve days, or may be rejected.
                                                                                                                                 �	 All written communications concerning disputed amounts, including any 
                                                                                        Penalty Fees                              check or other payment instrument marked with �payment in full� or similar 
                                                                                        �	 Late Payment Up to $35                 language, must be sent to 6550 North Loop 1604 East, Suite 101, San An-
                                                                                                                                  tonio, Texas 78247-5004.
                                                                                        �	 Returned Payment Up to $35
                                                                                                                                   o  We may accept a payment sent to any other address without losing 
                                                                                                                                      any of our rights.
                                                                                       How We Will Calculate Your Balance: We use a method called  o  No payment shall operate as an accord and satisfaction without our 
                                                                                       �daily balance.� See your Account agreement for more details. prior written approval.
                                                                                                                                 B. Keeping your account in good standing
                                                                                       Billing Rights: Information on your rights to dispute  Avoiding default
                                                                                       transactions and how to exercise those rights is provided in your  You�ll be in default under this Agreement if you:
                                                                                       account agreement.                        �	 Fail to make any payment when due
                                                                                                                                 �	 Violate any provision of this Agreement
                                                                                       Comenity Capital Bank 1-855-334-3686 (TDD/TTY 1-888-819-1918) �	 Pass away
                                                                                       New York Residents: New York Residents may contact the New York state Depart- �	 Become the subject of bankruptcy or insolvency proceedings
                                                                                       ment of Financial Services by telephone or visit its website for free information  �	 Supply us with misleading, false, incomplete or incorrect information
                                                                                       on comparative credit card rates, fees, and grace periods. New York Department  �	 Are unable or unwilling to perform the terms or conditions of this Agreement
                                                                                       of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov. �	 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 af-
                                                                                       Rate Information: The following chart provides details on your variable rate(s) as  ?liates
                                                                                       of February 1, 2014. We divide the APR by 365 to determine the daily periodic  �	 Become incompetent
                                                                                       rate.                                     �	 Exceed your Credit Limit
                                                                                                   Add to Index APR Daily Periodic Rate �	 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 
                                                                                        Tier 1      20.74%  23.99%   0.06573%
                                                                                                                                 charges, close your Account, require you to pay the full amount you owe im-
                                                                                        Tier 2      18.74%  21.99%   0.06025%    mediately or take any other action permitted by law. If applicable law requires 
                                                                                        Tier 3      14.74%  17.99%   0.04929%    us to do so, we�ll tell you in advance and/or give you the opportunity to remedy 
                                                                                        Balance Transfers                        your default.
                                                                                                    22.74%  25.99%   0.07121%
                                                                                        and Cash Advances                        Reporting a lost or stolen card (as applicable)
                                                                                                                                 If you notice the loss or theft of your credit card or a possible unauthorized use 
                                                                                       We�ll charge you a minimum interest charge of $2.00 per credit plan for any  of your card, you should write to us immediately at PO Box 183003, Columbus, 
                                                                                       billing period in which interest is due. For additional information, see Rates in  Ohio 43218-3003 or call us at 1-855-334-3686 (TDD/TTY: 1-888-819-1918). 
                                                                                       Section D.                                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.
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime Rate plus 20.74%, 18.74% or 14.74% when you open your 
      (APR) for Purchase 
                          account, based on your creditworthiness. 
                          After that, this APR will vary with the market based on the Prime Rate. 
                             
      APR for Balance Transfers  Prime Rate plus 22.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $5 or 3% of the amount of the cash advance. 
      �  Convenience Check  The greater of $5 or 3% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method