Your Home & Garden Showplace® Discover® Card Account Agreement.  
Discover®  and  the  Discover  acceptance mark are service marks used by Comenity  Capital Bank under license from Discover 
Financial Services. This card is issued by Comenity Capital Bank. Agreement covers the Terms and Conditions of your account 
with  us.  In  this  document,  you  will  find  important  information  about  using  and  managing  your  account,  including  a  Privacy 
Statement and information concerning your billing rights.  Your use of the account, or failure to close the account within the 30 
days  of  receiving  this  document,  indicates  your  acceptance  of  the  terms  of  this  agreement,  including  the  assessment  of  any 
finance charges and fees. 
Section I of this agreement also includes a Jury Trial Waiver and an Arbitration provision in the event of a dispute. 
•  You have a right to reject this Arbitration provision. 
• 

If you do not reject this Arbitration provision, it will be part of this agreement and will: 

o  Eliminate your right to a trial by jury; and 
o  Substantially affect your rights, including your right to bring, join in or participate in class proceedings. 

Please read each section carefully and keep this document for your records. 
In the following sections, you will find information on: 
Financial terms of your account: An at-a-glance summary of the fees and charges associated with your account 
A.  Getting Started: the basics of your account 
B.  Keeping your account in good standing: avoiding default, and what to do if your card is lost or stolen 
C.  Learning more about your account: credit plans and credit limits, and how payments are calculated and applied 
D. 
E.  Other important information: legal rights, costs, and how we’ll handle changes to your account 
F.  Disputes & Reporting to Credit Agencies: data we provide, and receive from, credit reporting agencies, and what to do if you think there is an error on 

Interest, fees and charges: when and how fees and costs are applied to your account 

your periodic statement 

G.  Optional Products: information on services that can help pay your debt in case of emergencies 
H.  Communicating with us: what happens when you contact us 
I.  Arbitration and jury trial waiver: how we’ll resolve disagreements, including a jury trial waiver and Arbitration provision 
Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make 
Financial terms of your account 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) 
Home & Garden Showplace 
Discover Card Purchases 
Annual Percentage Rate (APR) 
for Home & Garden Showplace 
Credit Card Purchases 

15.99% This APR will vary with the market based on the Prime Rate. 

25.99%. This APR will vary with the market based on the Prime Rate. 

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

25.99% This APR will vary with the market based on the Prime Rate. 

29.99% This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it applies 

This APR may be applied to your account if you fail to pay all or part of your 
minimum payment due by the payment due date for three consecutive Billing 
Periods. 

How to Avoid Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

How long will the Penalty APR Apply? If your APR is increased for this reason, 
the Penalty APR will apply until such time as any delinquency is cured and you then 
make six consecutive payments when due. 
Your due date is at least 23 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 
 If you are charged interest, the charge will be no less than $2.00 per credit plan 
To learn more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

•  Annual Fee 

None 

 
 
 
 
 
 
 
 
 
Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  Convenience Checks 
•  Foreign Transaction  

Penalty Fees 
•  Late Payment 
•  Returned Payment 

The greater of $10 or 3% of the amount of the balance transfer.  
The greater of $10 or 3% of the amount of the cash advance. 
The greater of $10 or 3% of the amount of the convenience check.  
3% of each transaction in U.S. dollars. 

Up to $35  
Up to $35 

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)." 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 
APR  Information:  We  add  12.74%  to  the  Index  (See  Rates  in  Section  D)  to  determine  the  APR  applicable  to  your  account.    We  divide  the  APR  by 365 to 
determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of February 1, 2013, the initial APR was 15.99% and the initial Daily Periodic Rate 
of  FINANCE  CHARGE  was  0.04380%.  We’ll  charge  you  a  minimum  FINANCE  CHARGE  of  $2.00  per  credit  plan  for  any  Billing  Period  in  which  a  Finance 
Charge is due. For additional information, see Rates in Section D.  
APR  for  Balance  Transfers  and  Cash  Advances:  The  Daily  Periodic  Rate  of  FINANCE  CHARGE    for  Balance  Transfers  and  Cash  Advances  will  be 
computed by adding 22.74% to the Index, and dividing by 365 (corresponding APR will be the Index plus 22.74%). As of February 1, 2013 the Daily Periodic 
Rate of FINANCE CHARGE for Balance Transfers and Cash Advances was 0.07120%, and the corresponding APR was 25.99%.  
Penalty APR Information: The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate will be computed by adding 26.74% to the Index, and dividing 
by 365 (corresponding APR will be the Index plus 26.74%). As of February 1, 2013 the Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate was 
0.08216%, and the corresponding APR was 29.99%. For additional information, see Penalty Rate in Section D. 
Minimum Payment: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past 
Due  amounts.  The  total  Minimum  Payment  Due  on  your  account  won’t  be  less  than  $25.00.  If  your  Account  balance  is  less  than  $25.00,  you  must  pay  the 
amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plan will be:  

The greater of: 

o 
o 

• 

• 

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

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

See Minimum Payment in Section C in the attached Agreement for Promotional Credit Plan Minimum Payment calculations.  
The  APR  information  described  in  the  attached  Agreement  is  accurate  as  of  February  1,  2013.    Due  to  a  change  in  the  Index,  this  information  may  have 
changed.    To  find out more, call us at 1-855-842-9240 (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, PO Box 183003, Columbus, Ohio 
43218 - 3003  or visit our website at creditcard.gardenplace.com 
Home & Garden Showplace Credit Card: We add 22.74% to the Index (See Rates in Section D) to determine the APR applicable to your account. We divide 
the APR by 365 to determine your corresponding Daily Periodic Rate of FINANCE CHARGE. As of 05/13/2013, the initial APR was 25.99% and the initial Daily 
Periodic Rate of FINANCE CHARGE was 0.07120%. We’ll charge you a minimum FINANCE CHARGE of $2.00 per credit plan for any Billing Period in which a 
Finance Charge is due. For additional information, see Rates in Section D.  
Penalty APR Information: The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate will be computed by adding 26.74% to the Index, and dividing 
by 365 (corresponding APR will be the Index plus 26.74%). As of 05/13/2013 the Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate was 
0.08216%, and the corresponding APR was 29.99%. For additional information, see Penalty Rate in Section D.  
Minimum Payment: The Minimum Payment is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past Due 
amounts. The total Minimum Payment Due on your account won’t be less than $25.00. If your Account balance is less than $25.00, you must pay the amount 
indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving Credit Plan, will be the greater of:  
(a) $5.00; or  
(b) 5% of the New Balance shown on your Statement for that Credit Plan (rounded up to the nearest $1.00).  
See Minimum Payment in Section C in the attached Agreement for Promotional Credit Plan Minimum Payment calculations.  
The APR information described in the attached Agreement is accurate as of 05/13/2013. Due to a change in the index, this information may have changed. To 
find out more, call us at 1-855-842-9246 (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 or 
visit our website at creditcard.gardenplace.com. 
A. Getting Started 
Definitions 
In this Agreement, “We,” “Us” and “Our” mean Comenity Capital Bank. “You” and “Your” mean each person who submits an application for an account with us. 
“Account” means your credit card account with us. “Card” means each credit card we issue for your Account (as applicable). “Credit Plan” means one or more 
payment program options Home & Garden Showplace may ask us to offer from time to time.  
Upholding your Agreement 
• 

You agree to the terms of this Agreement, and promise to do everything required of you. If you sign or submit an application to obtain credit from us, you’ll 
be legally bound by this Agreement. You’re also legally bound if you sign a charge slip, or permit someone else to use the credit provided. 
You agree that the credit extended under your Account will be used only for personal, family or household purposes and not for business or commercial 
purpose. 
If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible 
for repaying all amounts due.  If more than one person is responsible for this Account, we will only provide billing statements and communications to one 
of you. 
Any  authorized  user  of  your  Account  will  be  bound  by  the  terms  of  this  Agreement.  One  additional  Card  may  be  issued  with  the  individual  name  of  an 
authorized user embossed on the Card. If you want to revoke the use of your Account by an authorized user, either write us at the address, or call us at the 
phone number, shown on your Statement.   
You agree to pay for all transactions made on your Account by an authorized user, whether or not such transactions were authorized by you or made for 
your benefit. 

• 

• 

• 

• 

Card signature (as applicable) 
For  your  own  protection,  please  sign  your  Card  before  using  it.  Keep  in  mind  that  your  signature  on  the  Card  isn’t  a  prerequisite  to  your  obligation  to  pay 
amounts incurred on your Account. 
Using your Home & Garden Showplace Credit Card Account 

 
 
 
 
 
 
 
• 

• 
• 
• 

• 

• 

• 

• 
• 
• 

• 

Your Account may be used to make purchases from participating Home & Garden Showplace locations and other retailers we may determine occasionally 
by notifying you via electronic mail, statement message, website posting, or other method. 

•  We may not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities. 

Using your Home & Garden Showplace Discover® card________________________________________________________________________________ 
•  We may not honor transactions related to, including, but not limited to, gambling, ATM usage at casinos, and illegal activities. 
• 

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

O 
O 
O 

O 
O 

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

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

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

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

O 
O 

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

Making payments 
• 

Pay  your  Account  by  sending  a  check,  money  order,  or  cashier’s  check  payable  in  U.S.  dollars,  to  the  name  and  address  shown  on  your  Statement 
specified for payments. Please don’t send cash. 
Be sure to include your payment stub, do not staple your payment to the stub, and use the envelope provided with your Statement. 
If your payment doesn’t meet these requirements, it may not be credited to your Account for up to five days, or may be rejected.   
Any check marked “payment in full” or with similar terms must be sent to 13526 Nacogdoches Rd., San Antonio, Texas 78217-1274  

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

Please don’t send any correspondence with your payment. 

fail to make at least the Total Minimum Payment Due  
violate any provision of this Agreement 
pass away 
become the subject of bankruptcy or insolvency proceedings 
supply us with misleading, false, incomplete or incorrect information 
are unable or unwilling to perform the terms or conditions of this Agreement 
fail to supply us with any information we deem necessary 
default under any other loan or agreement you have with us or any of our affiliates 
become incompetent 
exceed your credit limit 
issue a payment returned unpaid by your bank for any reason 

• 
B. Keeping your account in good standing 
Avoiding default 
You’ll be in default under this Agreement if you: 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
If  we  consider  your  account  in  default,  we  may  suspend  your  ability  to  make  charges;  close  your  account  and  require  you  to  pay  the  full  amount  you  owe 
immediately. If applicable law requires us to do so, we’ll tell you in advance and/or give you the opportunity to remedy your default. 
Reporting a lost or stolen card (as applicable) 
If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at Comenity Capital Bank, PO 
Box 183003 Columbus, OH 43218-3003 or call us at Home & Garden Showplace Discover® card 1-855-842-9240; or Home & Garden Showplace Credit Card 
at 1-855-842-9246 (TDD/TTY: 1-888-819-1918). You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for 
unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. 
C. Learning more about your account 
Credit Plans 
• 
•  We may offer different promotional Credit Plans from time to time.   
• 

Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans.  

If a promotional Credit Plan is offered at the time you open your account, this Agreement will include information about the terms for the Plan, by use of an 
insert, attachment, or other written information provided as part of this Agreement.   
Normal late payment charges, returned check charges and all other provisions apply to any promotional Credit Plan, unless inconsistent with a particular 
Credit Plan offering.  
If the promotional Credit Plan purchase isn’t paid in full before the promotional period ends, the balance will be transferred to your non-promotional Regular 
Revolving balance.   
Credit  Plans  offered  and  their  particular  features  (including  but  not  limited  to  minimum  purchase  requirements  and  Minimum  Payment)  may  vary 
occasionally  at  our  discretion  and  include  one  or  more  Regular  Revolving  or  Promotional  Credit  Plans.  Regular  Revolving  Credit  Plans  are  your  non-
promotional purchases using the Card. Promotional Credit Plans may include:  
•  Waive Interest, Payment Required  
•  Waive Interest, Equal Payment  
•  Waive Interest, Low Payment  
• 
Defer Interest, Equal Payment  

• 

• 

• 

• 
• 
• 
• 

Defer Interest, Payment Required  
Defer Interest, Low Payment  
Low APR, Equal Payment 
Budget Payment  

Skip-payment option 
• 
• 

• 
Credit limit 
• 
• 
• 

At our discretion, we may allow you to skip making the Minimum Payment.   
Finance  Charges  will  be  assessed  during  the  skip-payment  period, but a late fee won’t be imposed.  This will not be considered a waiver of any of the 
rights granted by this Agreement. 
All other terms of your Account apply during the skip-payment period. 

Your Credit Limit is the total maximum amount we permit you to owe us at any time.  
You may not exceed any credit limit that we set for your Account.  
If you do exceed your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges without giving up any of our rights under 
this Agreement.  

•  We may change your Credit Limit at any time.  
Account cancellation 
• 
•  We may cancel your Account at any time, for any reason. 
•  We may refuse to authorize any purchase convenience check, or cash advance on your Account. We may also suspend your Account and your right to 

You may cancel your Account. You’re still obligated to pay the full amount you owe us. 

Cancellation or suspension of your Account doesn’t negate your obligation to pay any amount you owe us. 
Cancellation of your Account includes each Card you give to others. 
Cards are issued with an expiration date. We have the right not to renew your Account. 

use your Card, including each Card you give to others.   
•  We may cancel any Credit Plan at any time, for any reason.   
• 
• 
• 
Minimum Payment 
•  You can pay all of your Account balance at any time without penalty.  
• 
• 
• 

You must pay at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement.  
The Minimum Payment is the total of the minimum payments for the Regular Revolving and Promotional Credit Plans plus any Past Due amounts.  
The  total  Minimum  Payment  Due  on  your  account  won’t  be  less  than  $25.00.  If  your  Account  balance  is  less  than  $25.00,  you  must  pay  the  amount 
indicated on your Statement in full. 
The Minimum Payment Due for each Credit Plan is calculated as follows:  
• 

The minimum payments for Home & Garden Showplace Discover® card Waive Interest, Payment Required and Defer Interest, Payment Required 
Promotional Credit Plans will be the greater of:  

• 

o 
o 

(a) $5.00; or  
(b) 4% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.  

The minimum payments for Home & Garden Showplace Credit Card Regular Revolving Credit Plans, Waive Interest, Payment Required and Defer 
Interest, Payment Required Promotional Credit Plans will be the greater of:  

(a) $5.00; or  
(b) 5% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.  

• 

• 

• 

The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase 
divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest 
$1.00.  
The minimum payment for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated finance charges that 
will  be  assessed  from  the  date  of  purchase  through  the  end  of  the  promotional  period  divided  by  the  number  of  months  between  the  date  of  the 
purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. 
The minimum payment for the Waive Interest, Low Payment and Defer Interest, Low Payment will be the greater of:  

(a) $5.00 or  
(b) 1% (rounded up to the nearest $1.00) of the New Balance shown on your Statement for that Credit Plan.    

o 
o 

o 
o 

Payment application  
•  We reserve the right to apply payments equal to or less than the required minimum amount however we see fit, which may result in balances subject to 

• 
• 

lower interest rates being paid prior to other balances. This may also result in higher interest charges.  
Any payment you make in excess of the required Minimum Payment Due will be allocated to your Account as required by applicable law.  
Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing 
cycles of the promotional period.  
D. Interest, fees and charges  
Finance Charges 
• 

There  is  no  period  in  which  you  can  pay  back  a  cash  advance,  any  other  transaction  treated  as  a  cash  advance  under  this  Agreement,  or  a  balance 
transfer to avoid incurring a Finance Charge. For a cash advance using a convenience check, the date of the advance is the date the convenience check 
is presented to us or our agent for payment. For all other cash advances, the date of the advance is the date you obtained the advance. 
If you make a purchase under a Regular Revolving Credit Plan, Finance Charges won’t be imposed in any Billing Period in which (i) no Previous Balance 
exists or (ii) payments received and credits issued by the Payment Due Date, which is at least 23 days after the Statement Closing Date shown on your 
last Statement, equal or exceed the Previous Balance.   
If the New Balance shown on your last Statement isn’t paid in full by the Payment Due Date shown on your last Statement, there will be a Finance Charge 
on each purchase from the date of purchase. 
If  you  make  a  purchase  under  any  Waive  Interest  Promotional  Credit  Plan,  we  won’t  charge  Finance  Charges  on  the  purchase  if  you  pay  the  total 
purchase amount before the end of the promotional period. If you don’t pay the total purchase amount before the end of the promotional period, we’ll add 
the  remaining  amount  to  your  Regular  Revolving  balance.  We’ll  also  begin  charging  Finance  Charges  on  the  purchase  from  the  first  day  after  the 
promotional period ends. 
If you make a purchase under any Defer Interest Promotional Credit Plan and don’t pay the total amount before the end of the promotional period, we’ll 
add the remaining purchase amount and the amount of accrued Finance Charges to your Regular Revolving balance. 
If you make a purchase under a Low APR, Equal Payment Credit Plan, Finance Charges will be assessed from the date of purchase through the end of 
the promotional period. 

• 

• 

• 

• 

• 

How we calculate Finance Charges on your Account 
We calculate Finance Charges separately for each Credit Plan, using a “Daily Balance” to determine Finance Charges for each Billing Period. Our calculation 
method is as follows: 
•  We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees). 

•  We subtract any payments or credit adjustments (treating any net credit balance as a zero balance) and add new purchases and debit adjustments posted 

as of that day. This gives us the “Partial Daily Balance” for the day. 

•  We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge. This gives us the “Daily Finance Charge” for the day, 

which we add to the day’s Partial Daily Balance.   

At the end of each Billing Period, we add together each Credit Plan’s Daily Finance Charge, which gives us the total Account Finance Charge.   

•  We’ve now determined the “Daily Balance,” which will be the beginning balance for the following day. This results in daily compounding of interest charges. 
• 
Your  Statement  will  show  a  Balance  Subject  to  Interest  Rate,  which  is  the  sum  of  the  Daily  Balance  for  each  day  in  the  Billing  Period  divided  by  the  total 
number of days.   
Rates 
• 

The Index in effect for each Billing Period will be the highest “Prime Rate” of interest as published in the “Money Rates” section of The Wall Street Journal 
for the calendar month preceding the month in which the Billing Period begins, rounded upward if necessary, to the nearest .001% (“Index”).  
An increase or decrease in the APR will result in a corresponding increase or decrease in the amount of Finance Charge and may increase the amount of 
your minimum payment due. 
If this Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of Finance Charge and corresponding APR are 
indicated on the Cardmailer and are incorporated herein by reference. 

• 

• 

Penalty Rate 
• 

If you fail to pay all or part of your Minimum Payment Due by the Payment Due Date shown on your Statement for three consecutive Billing Periods, we 
may apply a penalty APR (“Penalty Rate”) to the existing balance of your Account and to all new purchases. 

•  We will provide you notice of this rate increase, when it will apply to your account, and for how long it will apply to your account, as required by applicable 

• 

• 

law. 
The Penalty Rate will apply to your Account until such time as any delinquency is cured and your account is kept in a current and satisfactory status for six 
(6) consecutive billing periods. On the seventh billing period the Penalty Rate will no longer apply and your Account will be subject to the Daily Periodic 
Rate of Finance Charge and corresponding APR. 
If you fail to make your required minimum monthly payments during the Penalty period, the Penalty Rate will continue to apply. Your monthly statement will 
disclose the applicable Penalty Rate for the Billing Period and are incorporated herein by reference. 

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

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

The fee is $25 if you were not charged a late fee during any of the prior six billing periods.   

This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed.  

Returned Payment Fee: We may charge you a fee for each payment that your bank doesn’t honor for any reason.  
The fee is $25 if you were not charged a returned payment fee during any of the prior six billing periods.   

o 
o  Otherwise, the fee is $35.  
o 

o 
o  Otherwise, the fee is $35.  
o 

This fee will never exceed the minimum payment due that was due immediately prior to the date on which the fee was assessed.  

Although we may decide to do so, we aren’t required to attempt to collect a payment more than once.  
Document Fees: If we provide you with a copy of any Statement, sales draft or similar document at your request (except in connection with billing error 
inquiries or resolution), we may charge the Account the following fee(s): 

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

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

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

o 

E. Other important information  
Collection Costs 
As  permitted  under  applicable  law,  you  agree  to  pay  the  reasonable  costs  for  collecting  amounts  due,  including  reasonable  attorney’s  fees  and  court  costs 
incurred by us or another person or entity. 
Changes 
We may add, change, or delete the terms of your Account. If required by law, we will give you advance written notice of the change(s) and a right to reject the 
change(s).   
Security Interest 
You grant us a security interest in all goods you purchase through the use of the Account, now or at any time in the future and in all accessions to and proceeds 
of  such  goods.  We  waive  any  security  interest  we  may  have  in  your  principal  dwelling,  to  the  extent  that  it  would  otherwise  secure  any  obligation  arising 
hereunder. 
Changes to your information 
Please notify us immediately of any changes to your name or address. 
Governing Law 
THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A 
TERM PERMITTED OR REQUIRED BY APPLICABLE LAW. 
Transfer of Rights/Assignment 

• 

• 
• 

• 

• 

• 

• 

• 

• 

Your rights under this Agreement can’t be transferred by you, by operation of law or otherwise, but your obligations will be binding upon your estate or personal 
representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any 
time without prior notice to you or your consent. 
No Waiver of Rights 
We can delay enforcing our rights under this Agreement without losing them.   
Severability 
If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. 
F. Disputes & Reporting to Credit Agencies 
Credit Reports 
• 
• 

You give us permission to investigate your credit record.  
You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection 
with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation.  
You  understand  that  we  may  report  negative  information  (such  as,  late  payments,  missed  payments,  or  other  defaults)  about  your  account  to  credit 
bureaus.   
You give us permission to provide information about your Account to credit bureaus and other creditors, as well as to the retailer whose name appears on 
your Card. 

• 

• 

Account information: Your name and account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

Account Information:  Your name and account number 
Contact Information:  Your address and telephone number 
Disputed Information:  Identify the account information disputed and explain why you believe it is inaccurate 
Supporting Documentation:  If available, provide a copy of the section of the credit report showing the account information you are disputing 

Credit report disputes 
If you believe the account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
Box  182120  Columbus,  OH  43218-2120.  Your  written  dispute  must  provide  sufficient  information  to  identify  the  account  and  specify  why  the  information  is 
inaccurate: 
• 
• 
• 
• 
We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that 
the account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported 
the information. 
Your Billing Rights: Keep This Document For Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: Comenity Capital Bank PO Box 182620 Columbus, Ohio 43218-2620 
In your letter, give us the following information: 
• 
• 
• 
You must contact us: 
• Within 60 days after the error appeared on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to 
pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error: 
•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
• 
• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a 
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card 
account do not qualify. 
3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Comenity Capital Bank 
PO Box 182620 Columbus, Ohio 43218-2620 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
G. Optional Products 
Credit insurance (as applicable) 
Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase 
on the last day of each Billing Period.  You can cancel your coverage at any time. 
Account Assure Pro debt cancellation (as applicable)   

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

• 
• 

Purchasing Account Assure Pro is optional.   
Your  decision  whether  or  not  to  purchase  Account  Assure  Pro  won’t  affect  your  application  for  credit  or the terms of any existing credit agreement you 
have with Comenity Capital Bank.   
• 
The monthly fee for Account Assure Pro is based on the outstanding monthly balance on your Account each month and will be added to your Statement.   
•  We’ll provide additional information before you’re required to pay for Account Assure Pro. This will include a copy of the contract containing the terms and 

conditions pertaining to Account Assure Pro. 
You can cancel your Account Assure Pro at any time. 
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Account Assure Pro.   
Be sure to carefully read the contract for a full explanation of the terms of Account Assure Pro. 

To provide you with high-quality service, phone communication with us is monitored and/or recorded.   
You agree that we monitor and/or record any phone calls between you and us.   
Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. 

a cell, landline, or text number you provide, use to contact us, or at which we believe we can reach you (even if it is not yours),  
any email address you provide to us or one of our merchants,  
automated dialer systems and automatic telephone dialing systems,  
pre-recorded or artificial voice messages and other forms of communications.   

• 
• 
• 
H. Communicating with us 
Communicating to you about your Account 
If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors 
and collectors of your Account, to communicate with you in any way, such as calling, texting, or e-mail via:  
1) 
2) 
3) 
4) 
You  also  agree  that  these  communications  aren’t  unsolicited  for  purposes  of  any  state  or  federal  law,  and  you  understand  that  this  may  result  in  additional 
mobile, text message, or data charges. 
Phone monitoring 
• 
• 
• 
For Wisconsin residents: 
If you are married, please contact us immediately upon receipt of this Agreement at Home & Garden Showplace Discover® card 1-855-842-9240; or Home & 
Garden Showplace Credit Card at 1-855-842-9246 (TDD/TTY 1-888-819-1918) and provide us with the name and address of your spouse. We are required to 
inform your spouse that we have opened a credit account for you. 
For bankruptcy notifications: 
All  bankruptcy  notices  and  related  correspondence  to  Comenity  Capital  Bank  should  be  sent  to  the  following  address:    Comenity  Capital  Bank,  Bankruptcy 
Department, PO Box 183043 Columbus, OH 43218-3043. 
I. Arbitration and jury trial waiver 
A. Jury Trial Waiver 
TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR 
RELATED TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY 
TRIAL  WAIVER  CONTAINED  THEREIN).    YOU  AND  WE  EACH  REPRESENT  THAT  THIS  WAIVER  IS  GIVEN  KNOWINGLY,  WILLINGLY  AND 
VOLUNTARILY. 
B. Notice and Cure 
Prior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this Agreement (as further defined below, a “Claim”), the party 
asserting the Claim (the “Claimant”) shall give the other party (the “Defendant”) written notice of the Claim (a “Claim Notice”) and a reasonable opportunity, not 
less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any updated address you 
subsequently provide to us).  Any Claim Notice to us shall be sent by mail to Comenity  Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436 (or any 
updated  address  we  subsequently  provide).    Any  Claim  Notice  you  send  must  provide  your  name,  address  and  account  number.    Any  Claim  Notice  must 
explain the nature of the Claim and the relief that is demanded.  You may only submit a Claim Notice on your own behalf and not on behalf of any other party.  
No  third  party,  other  than  a  lawyer  you  have  personally  retained,  may  submit  a  Claim  Notice  on  your  behalf.    The  Claimant  must  reasonably  cooperate  in 
providing any information about the Claim that the other party reasonably requests. 
C. Arbitration Provision 
READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH 
C.1. BELOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY 
CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.  
1. Your  Right  to  Reject:    If  you  don’t  want  this  Arbitration  Provision  (and  any  prior  arbitration  agreement  between  you  and  us  (“Prior  Arbitration 
Agreement”)) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement 
that  you  (both  of  you,  if  more  than  one)  reject  the  Arbitration  Provision  of  this  Agreement.  The  rejection  notice  must  be  sent  to  us  at  Comenity 
Capital Bank, PO Box 182422, Columbus, OH 43218-2422. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if 
we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to 
reject  this  Arbitration  Provision.  Your  rejection  of  this  Arbitration  Provision  will not affect any other provision of this Agreement or your ability to 
obtain credit. 
2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” mean (a) 
Comenity Capital Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the “Bank Parties”); and (b) 
any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the 
same time you assert a Claim against any Bank Party. 
3.  Covered  Claims:    “Claim”  means  any  claim,  dispute  or  controversy  between  you  and  us  that  in  any  way  arises  from  or  relates  to  this  Agreement,  the 
Account, the issuance of any Card, any rewards program, any prior agreement or account. “Claim” includes disputes arising from actions or omissions prior to 
the date any Card was issued to you, including the advertising related to, application for or approval of the Account. “Claim” has the broadest possible meaning, 
and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other 
intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). “Claim” does not 
include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the prohibition 
against class proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the “Class Action Waiver”), the 
last sentence of Paragraph C.13 and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that 
concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. 
4. Starting an Arbitration:  Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with respect to a 
different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim that you 
bring against us in small claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then 
have the right to demand arbitration. 
5.  Choosing  the  Administrator:    “Administrator”  means  the  American  Arbitration  Association  (“AAA”),  1633  Broadway,  10th  Floor,  New  York,  NY  10019, 
www.adr.org; JAMS is at 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by mutual agreement of the 
parties.  If  both  AAA  and  JAMS  cannot  or  will  not  serve  and  the  parties  are  unable  to  select  an  Administrator  by  mutual  consent,  the  Administrator  will  be 
selected by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator must be a 
retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written notice of your selection with 

your notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim (or, if you dispute 
our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator on time, we may do it. 
Notwithstanding  any  language  in  this  Arbitration  Provision  to  the  contrary,  no  arbitration  may  be  administered,  without  the  consent  of  all  parties  to  the 
arbitration, by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver. 
6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE 
RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US IS 
MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE 
AVAILABLE IN ARBITRATION.  
7.  Prohibition  Against  Certain Proceedings:  IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A 
CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR 
WE  MAY  ACT  AS  A  PRIVATE  ATTORNEY  GENERAL  IN  COURT  OR  IN  ARBITRATION;  (3)  CLAIMS  BROUGHT  BY  OR  AGAINST  YOU  MAY  NOT  BE 
JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO POWER 
OR AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.  
8. Location and Costs of Arbitration:  Any arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay any and 
all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this 
Arbitration Provision to be enforced. If you demand an arbitration, we will pay your reasonable attorneys’ and experts’ fees if you prevail or if we must bear such 
fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to. 
9. Governing Law:  This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and 
not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of 
privilege recognized at law. The arbitrator may award any remedy provided by the substantive law that would apply if the action were pending in court (including, 
without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the 
arbitrator must provide a brief written explanation of the basis for the award. 
10. Right to Discovery:  In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit a 
written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have 
discretion to grant or deny that request. 
11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator’s award may be entered by any court having jurisdiction. The arbitrator’s decision is 
final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $50,000, any party can, within 30 days after the entry of the award 
by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award 
requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to “the arbitrator” shall mean the 
panel if an appeal of the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with Paragraph C.8. above. 
12. Rules of Interpretation:  This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of the Account, any 
legal proceeding and any bankruptcy to the extent consistent with applicable bankruptcy law.  In the event of a conflict or inconsistency between this Arbitration 
Provision,  on  the  one  hand,  and  the  applicable  arbitration  rules  or  the  other  provisions  of  this  Agreement,  on  the  other  hand,  this  Arbitration  Provision  shall 
govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. 
13.  Severability:   If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or unenforceable, the remaining portions 
shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will 
remain  in  force  and  the  remaining  provisions  shall  be  null  and  void,  provided  that  the  determination  concerning  the  Class  Action  Waiver  shall  be  subject  to 
appeal. 
 14. Special Payment:  If (1) you submit a Claim Notice in accordance with Section B of the Arbitration and jury trial waiver Provisions on your own behalf (and 
not on behalf of any other party); (2) we refuse to provide you with the relief you request; and (3) an arbitrator subsequently determines that you were entitled to 
such relief (or greater relief), the arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled). 

236ALLAR201213 
T1 

 
 
 
 
Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual Percentage Rate 
(APR) for Home & Garden 
Showplace Discover® Card 
Purchases 
APR for Home & Garden 
Showplace Credit Card 
Purchases 
APR for Balance Transfers 
and Cash Advances 
Penalty APR and When It 
Applies 

Prime Rate plus 12.74%. 
This APR will vary with the market based on the Prime Rate. 

Prime Rate plus 22.74%. 
This APR will vary with the market based on the Prime Rate. 

Prime Rate plus 22.74%. 
This APR will vary with the market based on the Prime Rate. 
Prime Rate plus 26.74%.   
This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply? If your APR is increased for this reason, 
the Penalty APR will apply until you make six consecutive minimum payments when 
due. 

Paying Interest 

Minimum  Interest  Charge 

Your  due date  is at least  23 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. 
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 
•  Cash Advance 
•  Convenience Check 
•  Foreign Transaction 

Penalty  Fees 
•  Late Payment 
•  Returned Payment 

Balance Computation 
Method 

The greater of $10 or 3% of the amount of the balance transfer. 
The greater of $10 or 3% of the amount of the cash advance. 
The greater of $10 or 3% of the amount of the convenience check. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 

We  use a method  called "daily  balance  (including  new purchases)."