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       I m p o r t a n t  I n f o r m a t i o n  R e g a r d i n g  E l e c t r o n i c
       C o m m u n i c a t i o n
       R e a d  t h i s  i n f o r m a t i o n  c a r e f u l l y  a n d  k e e p  a  c o p y
       f o r  y o u r  r e c o r d s
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                                            R a t e  a n d  F e e  S u m m a r y
     T h i s  R a t e  a n d  F e e  S u m m a r y  ( S u m m a r y )  i s  p a r t  o f  t h e  C r e d i t  C a r d  A g r e e m e n t  ( A g r e e m e n t )  f o r  t h e G a r d n e r - W h i t e  C r e d i t  C a r d  A c c o u n t .
     R e a d  i t  a n d  k e e p  i t .
      I n t e r e s t  R a t e s  a n d  I n t e r e s t
      C h a r g e s
       A n n u a l  P e r c e n t a g e  R a t e  ( A P R )
                                    2 8 . 9 9 %
       f o r  P u r c h a s e s
                                    Yo u r  d u e  d a t e  i s  a t  l e a s t  2 5  d a y s  a f t e r  t h e  c l o s e  o f  e a c h  b i l l i n g  p e r i o d .  W e  w i l l  n o t
                                    c h a r g e  y o u  i n t e r e s t  o n  p u r c h a s e s  i f  y o u  p a y  y o u r  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e
       H o w  t o  Av o i d  P a y i n g  I n t e r e s t
                                    e a c h  m o n t h .  I f  y o u  d o  n o t , y o u  w i l l  n o t  g e t  a  g r a c e  p e r i o d  o n  p u r c h a s e s  a g a i n  u n t i l
                                    y o u  p a y  t h e  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e  f o r  t w o  b i l l i n g  p e r i o d s  i n  a  r o w.
       M i n i m u m  I n t e r e s t  C h a r g e I f  y o u  a r e  c h a r g e d  i n t e r e s t ,  t h e  c h a r g e  w i l l  b e  n o  l e s s  t h a n  $ 2  p e r  c r e d i t  p l a n .
       F o r  C r e d i t  C a r d  T i p s  f r o m  t h e To  l e a r n  m o r e  a b o u t  f a c t o r s  t o  c o n s i d e r  w h e n  a p p l y i n g  f o r  o r  u s i n g  a  c r e d i t
       C o n s u m e r  F i n a n c i a l  P r o t e c t i o n c a r d ,  v i s i t  t h e  w e b s i t e  o f  t h e  C o n s u m e r  F i n a n c i a l  P r o t e c t i o n  B u r e a u  a t  h t t p : / / w w
       B u r e a u                  w. c o n s u m e r f i n a n c e . g o v / l e a r n m o r e .
      F e e s
       A n n u a l  F e e           N o n e
       P e n a l t y  F e e s
                                    U p  t o  $ 4 0
       �  L a t e  P a y m e n t
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     H o w  W e  W i l l  C a l c u l a t e  Yo u r  B a l a n c e : W e  u s e  a  m e t h o d  c a l l e d  � d a i l y  b a l a n c e  ( i n c l u d i n g  c u r r e n t  t r a n s a c t i o n s ) . �  R e v i e w
     y o u r  A g r e e m e n t  f o r  m o r e  d e t a i l s .
     B i l l i n g  R i g h t s : I n f o r m a t i o n  o n  y o u r  r i g h t s  t o  d i s p u t e  t r a n s a c t i o n s  a n d  h o w  t o  e x e r c i s e  t h o s e  r i g h t s  i s  p r o v i d e d  i n  y o u r
     A g r e e m e n t .
     W i s c o n s i n  R e s i d e n t s : I f  y o u  a r e  m a r r i e d ,  c o n t a c t  u s  u p o n  r e c e i p t  o f  t h i s  A g r e e m e n t  a t  t h e  G e n e r a l  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t
     U s  s e c t i o n  b e l o w  a n d  g i v e  u s  y o u r  s p o u s e � s  n a m e  a n d  a d d r e s s .
     P r i n t  D a t e :  T h i s  S u m m a r y  w a s  p r i n t e d  J u n e  2 0 2 1 .  T h e  i n f o r m a t i o n  w a s  a c c u r a t e  a s  o f  t h a t  d a t e  b u t  m a y  h a v e  c h a n g e d .  To  f i n d  o u t  m o r e ,
     c o n t a c t  u s  a t  t h e  G e n e r a l  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t  U s  s e c t i o n  b e l o w.
     I s s u e r  N a m e : Yo u r  C a r d  i s  i s s u e d  b y  C o m e n i t y  C a p i t a l  B a n k .
     G o v e r n i n g  L a w :  T h i s  l o a n  i s  m a d e  i n  U t a h  a n d  t h i s  A g r e e m e n t  i s  g o v e r n e d  b y  U t a h  a n d  f e d e r a l  l a w.
     R a t e  I n f o r m a t i o n : T h e  f o l l o w i n g  c h a r t  p r o v i d e s  d e t a i l s  o n  y o u r  r a t e s  a s  o f  t h e  P r i n t  D a t e  s h o w n  a b o v e .  I f  t h i s  A g r e e m e n t  w a s  p r o v i d e d
     a t  p o i n t  o f  s a l e ,  r e v i e w  t h e  A g r e e m e n t  w i t h  y o u r  w e l c o m e  p a c k a g e  f o r  v a r i a b l e  r a t e  i n f o r m a t i o n  i n  e f f e c t  w i t h i n  3 0  d a y s  o f  m a i l i n g .
                                                   A P R            D a i l y  P e r i o d i c  R a t e M a r g i n
     P u r c h a s e s                             2 8 . 9 9 %      0 . 0 7 9 4 2 %     N / A
     A n n u a l  F e e : I f  t h e r e  i s  a n  A n n u a l  F e e  i n  t h e  F e e s  t a b l e  a b o v e ,  t h i s  f e e  w i l l  b e  c h a r g e d  w i t h  t h e  c l o s e  o f  y o u r  f i r s t  b i l l i n g  p e r i o d  a n d
     a n n u a l l y  t h e r e a f t e r.  W e  w i l l  r e f u n d  t h i s  f e e  i f  y o u  c l o s e  y o u r  A c c o u n t  w i t h i n  3 0  d a y s  o f  t h e  m a i l i n g  o r  d e l i v e r y  d a t e  o f  t h e  s t a t e m e n t  o n
     w h i c h  t h e  f e e  a p p e a r s .  T h e  f e e  i s  o t h e r w i s e  n o n - r e f u n d a b l e .
     L a t e  F e e : I f  y o u  d o  n o t  p a y  t h e  M i n i m u m  P a y m e n t  b y  t h e  D u e  D a t e ,  w e  c h a r g e  a  L a t e  F e e .  T h e  f e e  i s  $ 2 9  i f  y o u  w e r e  n o t  c h a r g e d  a
     L a t e  F e e  d u r i n g  t h e  p r i o r  s i x  b i l l i n g  p e r i o d s .  O t h e r w i s e ,  i t  i s  $ 4 0 .  T h i s  f e e  w i l l  n o t  e x c e e d  t h e  a m o u n t  p e r m i t t e d  b y  l a w.
     R e t u r n e d  P a y m e n t  F e e : I f  y o u  m a k e  a  p a y m e n t  t h a t  i s  n o t  h o n o r e d ,  w e  c h a r g e  a  R e t u r n e d  P a y m e n t  F e e  e v e n  i f  t h e  p a y m e n t  i s  h o n o r e d
     o n  r e s u b m i s s i o n .  T h e  f e e  i s  $ 2 9  i f  y o u  w e r e  n o t  c h a r g e d  a  R e t u r n e d  P a y m e n t  F e e  i n  t h e  s a m e  o r  t h e  p r i o r  s i x  b i l l i n g  p e r i o d s .  O t h e r w i s e ,
     i t  i s  $ 4 0 .  T h i s  f e e  w i l l  n o t  e x c e e d  t h e  a m o u n t  p e r m i t t e d  b y  l a w.
     A l t e r n a t i v e  P a y m e n t  M e t h o d  F e e : W e  m a y  a l l o w  y o u  t o  m a k e  a n  e x p e d i t e d  p a y m e n t  o v e r  t h e  p h o n e .  I f  y o u  d o ,  w e  m a y  c h a r g e  a  f e e .
     C u r r e n t l y,  t h a t  f e e  i s  u p  t o  $ 1 5 .  W e � l l  l e t  y o u  k n o w  t h e  c u r r e n t  f e e  b e f o r e  y o u  a u t h o r i z e  a n y  p a y m e n t  a n d  y o u  c a n  w i t h d r a w  y o u r  r e q u e s t
     i f  y o u  d o n � t  w a n t  t o  p a y  t h e  f e e .
     P r o m o t i o n a l  C r e d i t  P l a n s  f o r  G a r d n e r - W h i t e  C r e d i t  C a r d :  P u r c h a s e s  m a d e  a t  a  p a r t i c i p a t i n g  G a r d n e r - W h i t e  l o c a t i o n  o r  t h e  G a r d n e r -
     W h i t e  w e b s i t e  o n  a  G a r d n e r - W h i t e  C r e d i t  C a r d  A c c o u n t  m a y  q u a l i f y  f o r  a  P r o m o t i o n a l  C r e d i t  P l a n  a s  d e s c r i b e d  b e l o w.  A s  o f  t h e  P r i n t
     D a t e ,  y o u r  P u r c h a s e  A P R  i s  2 8 . 9 9 % .
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     C u r r e n t  o f f e r s  m a y  i n c l u d e :
     D e f e r r e d  I n t e r e s t ,  L o w  P a y m e n t :  N o  i n t e r e s t  i f  p a i d  i n  f u l l  w i t h i n  6 ,  9 ,  11 ,  1 2 ,  1 5 ,  1 8 ,  1 9 ,  2 0 ,  2 1 ,  2 2 ,  2 3 ,  2 4 ,  2 5 ,  2 6 ,  2 7 ,  2 8 ,  2 9 ,  3 0 ,
     3 1 ,  3 2 ,  3 3 ,  3 4 ,  3 5 ,  3 6 ,  3 7 ,  3 8 ,  3 9 ,  4 0 ,  4 1 ,  4 2 ,  4 3 ,  4 5 ,  4 6 ,  4 7 ,  4 8 ,  4 9 ,  5 0 ,  5 1 ,  5 2 ,  5 3 ,  5 4 ,  5 5 ,  5 6 ,  5 7 ,  5 8 ,  5 9 ,  6 0 ,  o r  7 2  m o n t h s .  I n t e r e s t
     w i l l  b e  c h a r g e d  t o  t h e  A c c o u n t  f r o m  t h e  p u r c h a s e  d a t e  a t  t h e  P u r c h a s e  A P R  i f  t h e  p l a n  b a l a n c e  i s  n o t  p a i d  i n  f u l l  w i t h i n  t h e  p r o m o t i o n a l
     p e r i o d .
     L o w  A P R ,  E q u a l  P a y m e n t :  4 . 9 9 %  A P R  f o r  3 6  m o n t h s ;  9 . 9 9 %  A P R  f o r  6 0  m o n t h s ;  1 0 . 9 9 %  A P R  f o r  6 0  m o n t h s .  A f t e r  t h a t  t h e  P u r c h a s e
     A P R  w i l l  a p p l y  t o  a n y  r e m a i n i n g  p l a n  b a l a n c e .
     Wa i v e d  I n t e r e s t ,  E q u a l  P a y m e n t :  N o  I n t e r e s t  f o r  6 ,  9 ,  1 2 ,  1 5 ,  1 8 ,  2 0 ,  2 3 ,  2 4 ,  2 5 ,  2 6 ,  2 7 ,  2 8 ,  2 9 ,  3 0 ,  3 1 ,  3 2 ,  3 3 ,  3 4 ,  3 5 ,  3 6 ,  3 7 ,  3 8 ,  3 9 ,
     4 0 ,  4 1 ,  4 2 ,  4 3 ,  4 4 ,  4 5 ,  4 6 ,  4 7 ,  4 8 ,  4 9 ,  5 0 ,  5 1 ,  5 2 ,  5 3 ,  5 4 ,  5 5 ,  5 6 ,  5 7 ,  5 8 ,  5 9 ,  6 0 ,  7 2 ,  8 4 ,  o r  9 6  m o n t h s .  A f t e r  t h a t  t h e  P u r c h a s e  A P R
     w i l l  a p p l y  t o  a n y  r e m a i n i n g  p l a n  b a l a n c e .
     A p p l i c a b l e  t o  A l l  P r o m o t i o n a l  C r e d i t  P l a n s
          Av a i l a b l e  p l a n s  a n d  o f f e r  t e r m s  a r e  s u b j e c t  t o  c h a n g e .  P l a n  a v a i l a b i l i t y  m a y  b e  l i m i t e d  t o  c e r t a i n  l o c a t i o n s  o r  w e b
          p u r c h a s e s .  F o r  m o r e  i n f o r m a t i o n ,  v i s i t  a  p a r t i c i p a t i n g  G a r d n e r - W h i t e  l o c a t i o n  o r  t h e  G a r d n e r - W h i t e  w e b s i t e .
          M i n i m u m  p a y m e n t s  a r e  r e q u i r e d  f o r  e a c h  C r e d i t  P l a n .  R e v i e w  t h e  M i n i m u m  P a y m e n t  s e c t i o n  b e l o w  f o r  m o r e  d e t a i l s .
          M i n i m u m  p a y m e n t s  a r e  n o t  g u a r a n t e e d  t o  p a y  t h e  p r o m o t i o n a l  p l a n  b a l a n c e  w i t h i n  t h e  p r o m o t i o n a l  p e r i o d .  Yo u  m a y  h a v e  t o  p a y
          m o r e  t h a n  t h e  m i n i m u m  p a y m e n t  t o  a v o i d  p a y i n g  i n t e r e s t  a t  t h e  p u r c h a s e  A P R .  S o m e  b a l a n c e s  m a y  b e  p a i d  o f f  b e f o r e  t h e
          p r o m o t i o n a l  p e r i o d  e n d s .
          Yo u r  m i n i m u m  p a y m e n t  m a y  b e  h i g h e r  t h a n  i f  y o u  d i d  n o t  s e l e c t  p r o m o t i o n a l  f i n a n c i n g .
          Va l i d  f o r  s i n g l e  t r a n s a c t i o n  o n l y.  I f  t h e  s i n g l e  t r a n s a c t i o n  h a s  m u l t i p l e  s h i p m e n t s ,  e a c h  s h i p m e n t  m a y  r e s u l t  i n  a  s e p a r a t e  C r e d i t
          P l a n ,  s u b j e c t  t o  a  s e p a r a t e  m i n i m u m  p u r c h a s e  r e q u i r e m e n t  a n d  m i n i m u m  i n t e r e s t  c h a r g e .
     M i n i m u m  P a y m e n t :  Yo u  m a y  p a y  t h e  e n t i r e  A c c o u n t  b a l a n c e  a t  a n y  t i m e .  Yo u  m u s t  p a y  a t  l e a s t  t h e  M i n i m u m  P a y m e n t  e a c h  b i l l i n g  p e r i o d
     b y  t h e  D u e  D a t e  o n  y o u r  s t a t e m e n t .
     I f  t h e  N e w  B a l a n c e  o n  y o u r  s t a t e m e n t  i s  l e s s  t h a n  $ 1 0 ,  t h e  M i n i m u m  P a y m e n t  i s  t h e  N e w  B a l a n c e .  I f  t h e  N e w  B a l a n c e  i s  m o r e  t h a n  $ 1 0 ,
     t h e  M i n i m u m  P a y m e n t  i s  t h e  P a s t  D u e  a m o u n t  p l u s  t h e  s u m  o f  t h e  a m o u n t s  d u e  o n  e a c h  C r e d i t  P l a n  a s  f o l l o w s :
                                       4 %  o f  p l a n  b a l a n c e  a t  e n d  o f  b i l l i n g  p e r i o d  r o u n d e d  t o  n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
    https://d.comenity.net/gardner-white/pub/requestCca/requestCca.xhtml                                 4/26
    6/7/2021                                Gardner-white Credit Card - Legal Docs - Credit Card Agreement
     R e g u l a r  P u r c h a s e ,  D e f e r r e d  I n t e r e s t ,
     P a y m e n t  R e q u i r e d  a n d  Wa i v e d  I n t e r e s t ,
     P a y m e n t  R e q u i r e d
     D e f e r r e d  I n t e r e s t ,  E q u a l  P a y m e n t  a n d P u r c h a s e  a m o u n t  d i v i d e d  b y  n u m b e r  o f  m o n t h s  i n  p r o m o t i o n a l  p e r i o d  r o u n d e d  u p  t o  n e a r e s t
     Wa i v e d  I n t e r e s t ,  E q u a l  P a y m e n t $ 1  ( m i n i m u m  $ 5 )
                                       P u r c h a s e  a m o u n t  i n c l u d i n g  c a l c u l a t e d  i n t e r e s t  c h a r g e s  f r o m  p u r c h a s e  d a t e  t h r o u g h  e n d  o f
     L o w  A P R ,  E q u a l  P a y m e n t p r o m o t i o n a l  p e r i o d  d i v i d e d  b y  n u m b e r  o f  m o n t h s  i n  p r o m o t i o n a l  p e r i o d  r o u n d e d  u p  t o
                                       n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
     D e f e r r e d  I n t e r e s t ,  L o w  P a y m e n t  a n d
                                       1 %  o f  p l a n  b a l a n c e  a t  e n d  o f  b i l l i n g  p e r i o d  r o u n d e d  t o  n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
     Wa i v e d  I n t e r e s t ,  L o w  P a y m e n t
     B u d g e t  P a y m e n t  o r  O p e n  C h a r g e  B u d g e t M o n t h l y  p a y m e n t s  o f  $ 4 9 ,  $ 9 9 ,  $ 1 4 9 ,  $ 1 9 9  o r  $ 2 9 9 ,  a s  s p e c i f i e d  i n  o f f e r  b a s e d  o n
     P a y m e n t                     t r a n s a c t i o n  a m o u n t
                                       D e p e n d e n t  u p o n  a b o v e  f o r  c o r r e s p o n d i n g  C r e d i t  P l a n
     O p e n  C h a r g e  ( e x c e p t  O p e n  C h a r g e  B u d g e t
                                       I f  y o u r  b a l a n c e  i n c r e a s e s  d u r i n g  t h e  O p e n  C h a r g e  P e r i o d ,  y o u r  M i n i m u m  P a y m e n t  w i l l
     P a y m e n t )
                                       i n c r e a s e
     H o w  t o  C o n t a c t  U s :
     A r b i t r a t i o n  C l a i m s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 4 3 6 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 4 3 6
     A r b i t r a t i o n  R e j e c t i o n C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 4 2 2 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 4 2 2
     B a n k r u p t c y  N o t i f i c a t i o n s C o m e n i t y  C a p i t a l  B a n k ,  B a n k r u p t c y  D e p a r t m e n t ,  P O  B o x  1 8 3 0 4 3 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 3 0 4 3
     B i l l i n g  E r r o r s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 6 2 0 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 6 2 0
     C r e d i t  R e p o r t i n g  D i s p u t e s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 1 2 0 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 1 2 0
     D i s p u t e d  D e b t s 6 5 5 0  N o r t h  L o o p  1 6 0 4  E a s t ,  S u i t e  1 0 1 ,  S a n  A n t o n i o ,  T X  7 8 2 4 7 - 5 0 0 4
                                C r e d i t  C a r d  C u s t o m e r  C a r e :
                                �  G a r d n e r - W h i t e :  1 - 8 6 6 - 3 2 7 - 4 3 6 7
                                �  T D D / T T Y:  1 - 8 8 8 - 8 1 9 - 1 9 1 8
     G e n e r a l
                                �  c o m e n i t y. n e t / g a r d n e r - w h i t e
                                �  C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 3 0 0 3 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 3 0 0 3
                                W h e n  w r i t i n g ,  i n c l u d e  y o u r  n a m e ,  a d d r e s s ,  p h o n e  n u m b e r  a n d  A c c o u n t  n u m b e r.
                                            C r e d i t  C a r d  A g r e e m e n t
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     T h i s  A g r e e m e n t ,  i n c l u d i n g  t h e  S u m m a r y,  i s  y o u r  c o n t r a c t  w i t h  u s .  R e a d  i t  a n d  k e e p  i t .
     A c c e p t a n c e :  Yo u  a c c e p t  t h i s  A g r e e m e n t  i f  y o u  u s e  t h e  A c c o u n t  o r  y o u  d o  n o t  c a n c e l  y o u r  A c c o u n t  w i t h i n  3 0  d a y s  a f t e r  d e l i v e r y  o f  t h e
     A g r e e m e n t .  Yo u r  s i g n a t u r e  o n  a n y  a p p l i c a t i o n  o r  s o l i c i t a t i o n  f o r  t h i s  A c c o u n t  o r  o t h e r  e v i d e n c e  o f  i n d e b t e d n e s s  o n  y o u r  A c c o u n t  i s  y o u r
     s i g n a t u r e  o n  t h i s  A g r e e m e n t .
     A r b i t r a t i o n :  T h i s  A g r e e m e n t  i n c l u d e s  a n  A r b i t r a t i o n  P r o v i s i o n  w i t h  c l a s s  a c t i o n  a n d  j u r y  t r i a l  w a i v e r s .  Yo u  c a n  r e j e c t  t h e  A r b i t r a t i o n
     P r o v i s i o n .  I f  y o u  d o  n o t ,  i t  w i l l  b e  p a r t  o f  t h i s  A g r e e m e n t .
     C h a n g e s :  T h e  r a t e s ,  f e e s  a n d  t e r m s  o f  t h i s  A g r e e m e n t  m a y  c h a n g e  a n d  w e  m a y  a d d  o r  d e l e t e  a n y  t e r m .  W e  w i l l  g i v e  y o u  a d v a n c e
     n o t i c e  a n d  a  r i g h t  t o  r e j e c t ,  i f  r e q u i r e d  b y  l a w.
                                                   D e f i n i t i o n s
     A c c o u n t : t h e  c r e d i t  c a r d  a c c o u n t  w i t h  u s  u n d e r  t h i s  A g r e e m e n t .
     A u t h o r i z e d  U s e r : a n y  p e r s o n  y o u  a l l o w  t o  u s e  y o u r  A c c o u n t .
     C a r d : o n e  o r  m o r e  c a r d s  o r  a c c e s s  d e v i c e s ,  i n c l u d i n g  y o u r  A c c o u n t  n u m b e r  o r  v i r t u a l  c a r d ,  w e  i s s u e  t o  y o u ,  o r  s o m e o n e  y o u  a u t h o r i z e ,
     t o  g e t  c r e d i t  u n d e r  t h i s  A g r e e m e n t .
     C a s h  A d v a n c e : i f  a p p l i c a b l e ,  t h e  u s e  o f  y o u r  A c c o u n t  t o :
          g e t  c a s h  f r o m  a n  AT M ,  f i n a n c i a l  i n s t i t u t i o n  o r  o t h e r  l o c a t i o n ;
          b u y  l o t t e r y  t i c k e t s ,  m o n e y  o r d e r s ,  f o r e i g n  c u r r e n c y,  g i f t  c a r d s  o r  s i m i l a r  i t e m s ;
          g e t  c a s h  o r  p a y  s o m e o n e  u s i n g  a  c h e c k  w e  o f f e r  f o r  t h a t  p u r p o s e ;
          m a k e  a n y  o t h e r  t r a n s a c t i o n  t h e  m e r c h a n t  c o d e s  a s  a  c a s h  a d v a n c e ,  m o n e y  t r a n s f e r  o r  g a m b l i n g .
     B a l a n c e  t r a n s f e r s  a r e  C a s h  A d v a n c e s  u n l e s s  w e  t e l l  y o u  o t h e r w i s e .
     C r e d i t  P l a n : e a c h  b a l a n c e  s u b j e c t  t o  d i f f e r e n t  f i n a n c i n g  t e r m s ,  s u c h  a s  r e g u l a r  p u r c h a s e s ,  C a s h  A d v a n c e s ,  a n d  p r o m o t i o n a l  p l a n s .
     M a r g i n : t h e  a m o u n t  a d d e d  t o  t h e  P r i m e  R a t e  t o  d e t e r m i n e  a  v a r i a b l e  A P R .
     P r i m e  R a t e : t h e  U . S .  P r i m e  R a t e  i n  t h e  M o n e y  R a t e s  s e c t i o n  o f  T h e  Wa l l  S t r e e t  J o u r n a l  o n  t h e  l a s t  b u s i n e s s  d a y  o f  t h e  c a l e n d a r  m o n t h .
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     W e ,  u s o r  o u r : t h e  i s s u e r  o f  y o u r  C a r d  a n d  i t s  s u c c e s s o r s  a n d  a s s i g n e e s .
     Yo u ,  y o u r o r  y o u r s : e a c h  p e r s o n  w h o  s u b m i t s  a n  a p p l i c a t i o n  o r  s o l i c i t a t i o n  f o r  a n  A c c o u n t  a n d  a n y  o t h e r  p e r s o n  c o n t r a c t u a l l y  l i a b l e
     u n d e r  t h i s  A g r e e m e n t .
                                               U s i n g  Yo u r  A c c o u n t
                       Yo u  a g r e e  t o  u s e  y o u r  A c c o u n t  i n  a c c o r d a n c e  w i t h  t h i s  A g r e e m e n t .  Yo u  a g r e e  t o  p a y  u s  f o r  a l l  a m o u n t s  d u e  o n
     Yo u r  A g r e e m e n t y o u r  A c c o u n t ,  i n c l u d i n g  c h a r g e s  m a d e  b y  A u t h o r i z e d  U s e r s .  Yo u  a g r e e  n o t  t o  u s e  y o u r  A c c o u n t  f o r  i l l e g a l
                       t r a n s a c t i o n s .
                       Yo u  m a y  u s e  y o u r  A c c o u n t  t o  m a k e  p u r c h a s e s  a n y w h e r e  t h e  C a r d  i s  a c c e p t e d .  I f  y o u r  C a r d  h a s  t h e  l o g o  o f  o n e
     U s e  o f  A c c o u n t
                       o f  o u r  n e t w o r k  p r o v i d e r s  ( e . g . ,  V i s a  a n d  M a s t e r c a r d ) ,  y o u  m a y  u s e  y o u r  A c c o u n t  t o  m a k e  C a s h  A d v a n c e s .
                       Yo u  m a y  r e q u e s t  C a r d s  f o r  A u t h o r i z e d  U s e r s .  Yo u  m u s t  n o t i f y  u s  i f  y o u  w i s h  t o  c a n c e l  t h e  a u t h o r i t y  o f  a n
     A u t h o r i z e d  U s e r s
                       A u t h o r i z e d  U s e r  t o  u s e  y o u r  A c c o u n t .
                       I f  t h i s  i s  a  j o i n t  A c c o u n t ,  e a c h  o f  y o u  a g r e e s  t o  b e  i n d i v i d u a l l y  a n d  j o i n t l y  l i a b l e  f o r  t h e  e n t i r e  a m o u n t  o w e d .  A n y
     J o i n t  A c c o u n t s
                       n o t i c e  w e  s e n d  t o  e i t h e r  o f  y o u  w i l l  s e r v e  a s  n o t i c e  t o  b o t h  o f  y o u .
                       W e  m a y  d e c l i n e  t o  a u t h o r i z e  a  t r a n s a c t i o n  f o r  a n y  r e a s o n .  W e  w i l l  n o t  b e  l i a b l e  t o  y o u  i f  w e  d o  o r  i f  a n y o n e
     C r e d i t  A u t h o r i z a t i o n s
                       r e f u s e s  a n y  u s e  o f  y o u r  C a r d .
                       W e  w i l l  t e l l  y o u  y o u r  c r e d i t  l i m i t  o r  l i m i t s .  K e e p  y o u r  b a l a n c e  b e l o w  y o u r  c r e d i t  l i m i t  o r  l i m i t s .  I f  y o u  d o  n o t ,  y o u
     C r e d i t  L i m i t
                       m u s t  s t i l l  p a y  u s .  W e  m a y  c h a n g e  y o u r  c r e d i t  l i m i t  o r  l i m i t s  a t  a n y  t i m e ,  w i t h o u t  n o t i c e .
     P r o m o t i o n a l  C r e d i t W e  m a y  o f f e r  s p e c i a l  f i n a n c i n g  t e r m s ,  s u c h  a s  d e f e r r e d  i n t e r e s t ,  w a i v e d  i n t e r e s t ,  l o w  A P R  o r  e q u a l  p a y m e n t
     P l a n s         o p t i o n s .  T h e  C r e d i t  P l a n  o r  P l a n s  w i l l  b e  s u b j e c t  t o  t h e  t e r m s  o f  t h e  o f f e r  a n d  t h i s  A g r e e m e n t .
                       A p p l i c a t i o n s  ( a p p s )  o n  e l e c t r o n i c  d e v i c e s  ( s u c h  a s  m o b i l e  w a l l e t s )  c a n  s t o r e  y o u r  C a r d  a n d  b e  u s e d  t o  g e t  c r e d i t
     E l e c t r o n i c  A c c e s s u n d e r  t h i s  A g r e e m e n t .  S u c h  t r a n s a c t i o n s  a r e  c o v e r e d  b y  t h i s  A g r e e m e n t .  A p p s  m a y  h a v e  s e p a r a t e  t e r m s  o f  u s e .
                       W e  a r e  n o t  r e s p o n s i b l e  f o r  a n y  c o n s e q u e n c e s  f r o m  y o u r  v i o l a t i o n  o f  t h o s e  t e r m s .
                                         A P R s  a n d  I n t e r e s t  B a s e d  o n  A P R s
                                 R e v i e w  y o u r  S u m m a r y  f o r  t h e  A P R s  t h a t  a p p l y  t o  y o u r  A c c o u n t
                       W e  a d d  t h e  a p p l i c a b l e  M a r g i n  s p e c i f i e d  i n  t h e  R a t e  I n f o r m a t i o n  c h a r t  o n  t h e  S u m m a r y  t o  t h e  P r i m e  R a t e  t o
                       d e t e r m i n e  Va r i a b l e  A P R s .  Va r i a b l e  A P R s  i n c r e a s e  o r  d e c r e a s e  w h e n  t h e  P r i m e  R a t e  c h a n g e s  b u t  w i l l  n o t  e x c e e d
     Va r i a b l e  A P R s a n y  M a x i m u m  A P R  s p e c i f i e d  i n  t h e  R a t e  I n f o r m a t i o n  c h a r t .
                       A n y  A P R  c h a n g e  w i l l  t a k e  e f f e c t  o n  t h e  f i r s t  d a y  o f  t h e  b i l l i n g  p e r i o d  t h a t  b e g i n s  a f t e r  t h e  P r i m e  R a t e  c h a n g e s .
                       I n c r e a s e d  A P R s  w i l l  i n c r e a s e  y o u r  i n t e r e s t  c h a r g e s  a n d  m a y  i n c r e a s e  y o u r  M i n i m u m  P a y m e n t .
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     D a i l y  B a l a n c e  M e t h o d W e  c a l c u l a t e  i n t e r e s t  f o r  e a c h  C r e d i t  P l a n  e a c h  d a y  b y  a p p l y i n g  t h e  a p p l i c a b l e  d a i l y  p e r i o d i c  r a t e  t o  t h e  d a i l y
     ( i n c l u d i n g  c u r r e n t b a l a n c e .  T h e  d a i l y  p e r i o d i c  r a t e  i s  t h e  A P R  f o r  t h e  C r e d i t  P l a n  d i v i d e d  b y  3 6 5 .
     t r a n s a c t i o n s ) W e  s t a r t  w i t h  t h e  b e g i n n i n g  b a l a n c e  e a c h  d a y  ( i n c l u d i n g  u n p a i d  i n t e r e s t  a n d  f e e s ) .
                       W e  a d d  n e w  t r a n s a c t i o n s  a n d  f e e s  t o  t h e  a p p l i c a b l e  C r e d i t  P l a n .  W e  a d d  t r a n s a c t i o n  f e e s  t o  t h e  s a m e  C r e d i t
                       P l a n  a s  t h e  t r a n s a c t i o n .  W e  a d d  a l l  o t h e r  f e e s  t o  t h e  r e g u l a r  p u r c h a s e  C r e d i t  P l a n .
                       W e  s u b t r a c t  n e w  c r e d i t s  a n d  p a y m e n t s  f r o m  t h e  a p p l i c a b l e  C r e d i t  P l a n  a n d  m a k e  o t h e r  a d j u s t m e n t s  t o  g e t  t h e
                       p a r t i a l  d a i l y  b a l a n c e .
                       W e  m u l t i p l y  t h e  p a r t i a l  d a i l y  b a l a n c e  b y  t h e  d a i l y  p e r i o d i c  r a t e  t o  g e t  t h e  d a i l y  i n t e r e s t .
                       W e  a d d  t h e  d a i l y  i n t e r e s t  t o  t h e  p a r t i a l  d a i l y  b a l a n c e  t o  g e t  t h e  d a i l y  b a l a n c e .  T h i s  r e s u l t s  i n  d a i l y  c o m p o u n d i n g
                       o f  i n t e r e s t .
                       W e  a d d  a l l  t h e  d a i l y  i n t e r e s t  t o  g e t  t h e  t o t a l  i n t e r e s t  f o r  t h e  C r e d i t  P l a n  f o r  t h e  b i l l i n g  p e r i o d .  F o r  a  D e f e r r e d
                       I n t e r e s t  C r e d i t  P l a n ,  t h i s  i n t e r e s t  i s  d e f e r r e d .
                       W e  r o u n d  i n t e r e s t  t o  t h e  n e a r e s t  c e n t .
                       C h a r g i n g  I n t e r e s t :  I n t e r e s t  b e g i n s  o n  a  t r a n s a c t i o n ,  f e e  o r  i n t e r e s t  f r o m  t h e  d a y  a d d e d  t o  t h e  d a i l y  b a l a n c e  u n t i l
                       p a i d  i n  f u l l .
                       H o w  t o  Av o i d  P a y i n g  I n t e r e s t  o n  R e g u l a r  P u r c h a s e s  ( G r a c e  P e r i o d ) :  I f  y o u  d i d  n o t  h a v e  a  P r e v i o u s  B a l a n c e ,
                       o r  i f  y o u  p a i d  t h e  N e w  B a l a n c e  o n  y o u r  p r e v i o u s  s t a t e m e n t  b y  t h e  D u e  D a t e  o n  t h a t  s t a t e m e n t ,  w e  w i l l  n o t
                       c h a r g e  i n t e r e s t  o n  n e w  r e g u l a r  p u r c h a s e s ,  o r  a n y  p o r t i o n  t h e r e o f ,  p a i d  b y  t h e  D u e  D a t e  o n  y o u r  c u r r e n t
                       s t a t e m e n t . I f  y o u  h a v e  p r o m o t i o n a l  C r e d i t  P l a n s  a n d / o r  b a l a n c e  t r a n s f e r s ,  w e  m a y  e x c l u d e  s o m e  o f  t h o s e
                       b a l a n c e s  f r o m  t h e  a m o u n t  y o u  h a v e  t o  p a y  i n  a  b i l l i n g  p e r i o d  t o  k e e p  y o u r  G r a c e  P e r i o d .  H o w e v e r,  y o u  m u s t  p a y
                       ( i )  a n y  r e q u i r e d  m i n i m u m  p a y m e n t  o n  s u c h  b a l a n c e s ,  ( i i )  t h e  f u l l  a m o u n t  o f  a n y  C a s h  A d v a n c e s  a n d  ( i i i )  t h e  f u l l
                       a m o u n t  o f  a n y  p r o m o t i o n a l  C r e d i t  P l a n  t h a t  e x p i r e s  i n  t h a t  b i l l i n g  p e r i o d .
                       Yo u  C o u l d  L o s e  Yo u r  G r a c e  P e r i o d :  I f  y o u  d o  n o t  p a y  y o u r  N e w  B a l a n c e  i n  f u l l  e a c h  b i l l i n g  p e r i o d ,  t h e n ,
     I n t e r e s t   d e p e n d i n g  o n  h o w  w e  a p p l y  y o u r  p a y m e n t ,  y o u  m a y  n o t  g e t  a  G r a c e  P e r i o d  o n  n e w  r e g u l a r  p u r c h a s e s .  O n c e  y o u
                       l o s e  y o u r  G r a c e  P e r i o d ,  y o u  c a n  g e t  i t  b a c k  b y  p a y i n g  t h e  N e w  B a l a n c e  ( l e s s  a n y  p r o m o t i o n a l  C r e d i t  P l a n s  a n d / o r
                       b a l a n c e  t r a n s f e r s  a s  d e s c r i b e d  a b o v e  p l u s  a n y  i n t e r e s t  c h a r g e d  u p  t o  t h e  d a t e  t h e  p a y m e n t  p o s t s )  i n  f u l l  f o r  t w o
                       b i l l i n g  p e r i o d s  i n  a  r o w.
                       Wa i v e d  I n t e r e s t  C r e d i t  P l a n :  W e  d o  n o t  i m p o s e  i n t e r e s t  o n  p l a n  b a l a n c e s  d u r i n g  t h e  p r o m o t i o n a l  p e r i o d .  A f t e r
                       t h e  p r o m o t i o n a l  p e r i o d ,  a n y  r e m a i n i n g  b a l a n c e  i s  a d d e d  t o  t h e  r e g u l a r  p u r c h a s e  b a l a n c e  a n d  i s  s u b j e c t  t o  i n t e r e s t
                       a t  t h e  t h e n - c u r r e n t  r a t e  f o r  r e g u l a r  p u r c h a s e s .
                       D e f e r r e d  I n t e r e s t  C r e d i t  P l a n :  I n t e r e s t  a c c r u e s  o n  p l a n  b a l a n c e s  f r o m  t h e  t r a n s a c t i o n  d a t e .  W e  d o  n o t  i m p o s e
                       t h a t  i n t e r e s t  i f  y o u  p a y  t h e  b a l a n c e  i n  f u l l  b y  t h e  e n d  o f  t h e  p r o m o t i o n a l  p e r i o d .  A f t e r  t h e  p r o m o t i o n a l  p e r i o d ,  a n y
                       r e m a i n i n g  b a l a n c e  a n d  i n t e r e s t  f r o m  t h e  t r a n s a c t i o n  d a t e  i s  a d d e d  t o  t h e  r e g u l a r  p u r c h a s e  b a l a n c e  a n d  i s  s u b j e c t
                       t o  i n t e r e s t  a t  t h e  t h e n - c u r r e n t  r a t e  f o r  r e g u l a r  p u r c h a s e s .
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                                                    P a y m e n t s
                       W e  c r e d i t  p a y m e n t s  i n  a c c o r d a n c e  w i t h  t h e  t e r m s  o n  y o u r  s t a t e m e n t .  R e v i e w  y o u r  s t a t e m e n t  f o r  d e t a i l s .
     P a y m e n t  I n s t r u c t i o n s P a y  i n  U . S .  d o l l a r s ,  i n  f u n d s  o n  d e p o s i t  i n  t h e  U . S .  I f  y o u  d o n � t ,  w e  m a y  r e f u s e  y o u r  p a y m e n t  o r  c h a r g e  y o u  o u r
                       c o s t s  t o  c o l l e c t  t h e  f u n d s .
                       W e  a p p l y  p a y m e n t s  u p  t o  t h e  M i n i m u m  P a y m e n t  a t  o u r  d i s c r e t i o n ,  w h i c h  m a y  r e s u l t  i n  b a l a n c e s  a t  l o w e r  A P R s
     H o w  W e  A p p l y
                       b e i n g  p a i d  f i r s t  a n d  h i g h e r  i n t e r e s t  c h a r g e s .  P a y m e n t s  o v e r  t h e  M i n i m u m  P a y m e n t  w i l l  b e  a p p l i e d  i n  a c c o r d a n c e
     P a y m e n t s
                       w i t h  l a w.
                                                O t h e r  I n f o r m a t i o n
                       Yo u  a r e  i n  d e f a u l t  i f :
                       �  y o u  f a i l  t o  c o m p l y  w i t h  t h i s  A g r e e m e n t  o r  a n y  o t h e r  a g r e e m e n t  w i t h  u s  o r  a n  a f f i l i a t e ;
                       �  a  b a n k r u p t c y  o r  o t h e r  i n s o l v e n c y  p r o c e e d i n g  i s  f i l e d  b y  o r  a g a i n s t  y o u ;
                       �  w e  r e a s o n a b l y  b e l i e v e  y o u  a r e  u n a b l e  o r  u n w i l l i n g  t o  r e p a y  u s ;
     D e f a u l t
                       �  y o u  d i e  o r  a r e  l e g a l l y  i n c o m p e t e n t  o r  i n c a p a c i t a t e d ;
                       �  y o u  g i v e  u s  m i s l e a d i n g ,  f a l s e ,  i n c o m p l e t e  o r  i n c o r r e c t  i n f o r m a t i o n  o r  f a i l  t o  g i v e  u s  a n y  i n f o r m a t i o n  w e  d e e m
                       n e c e s s a r y.
                       I f  y o u  a r e  i n  d e f a u l t ,  w e  m a y  d e c l a r e  t h e  e n t i r e  b a l a n c e  i m m e d i a t e l y  d u e  a n d  p a y a b l e  w i t h o u t  n o t i c e .
                       I f  w e  u s e  a n  a t t o r n e y  t o  c o l l e c t  y o u r  A c c o u n t ,  w e  m a y  c h a r g e  y o u  o u r  c o s t s  i f  a n d  a s  p e r m i t t e d  b y  l a w.  T h e s e
     C o l l e c t i o n  C o s t s
                       m a y  i n c l u d e  r e a s o n a b l e  a t t o r n e y s �  f e e s  a n d  c o u r t  c o s t s .
                       Yo u  a u t h o r i z e  u s  t o  s h a r e  i n f o r m a t i o n  a b o u t  y o u  a n d  y o u r  A c c o u n t  a s  p e r m i t t e d  b y  l a w.  R e v i e w  o u r  P r i v a c y
     P r i v a c y  P o l i c y
                       S t a t e m e n t  f o r  d e t a i l s  a b o u t  o u r  i n f o r m a t i o n  s h a r i n g  p r a c t i c e s .
                       W e  m a y  c h e c k  y o u r  c r e d i t ,  e m p l o y m e n t  a n d  i n c o m e  r e c o r d s  i n  c o n n e c t i o n  w i t h  a n  a p p l i c a t i o n ,  u p d a t e ,  r e n e w a l  o r
                       e x t e n s i o n  o f  c r e d i t  o n  y o u r  A c c o u n t  ( i n c l u d i n g  c o l l e c t i o n s  a n d  d i s p u t e  i n v e s t i g a t i o n s ) .  Yo u  c o n s e n t  t o  o u r
                       o b t a i n i n g  s u c h  r e c o r d s  b y  s u b m i t t i n g  a n  a p p l i c a t i o n  o r  s o l i c i t a t i o n .  U p o n  r e q u e s t ,  w e  w i l l  t e l l  y o u  t h e  n a m e  a n d
     C r e d i t  R e p o r t i n g
                       a d d r e s s  o f  a n y  c r e d i t  r e p o r t i n g  a g e n c y  t h a t  f u r n i s h e d  a  r e p o r t  o n  y o u .  W e  m a y  r e p o r t  A c c o u n t  s t a t u s  a n d
                       p a y m e n t  h i s t o r y  t o  c r e d i t  r e p o r t i n g  a g e n c i e s ,  o t h e r  c r e d i t o r s  a n d  t h e  c o m p a n y  w h o s e  n a m e  o r  b r a n d  a p p e a r s  o n
                       y o u r  C a r d .
                       N o t i f y  u s  i m m e d i a t e l y  a t  t h e  G e n e r a l  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t  U s  s e c t i o n  o f  t h e
     U n a u t h o r i z e d  U s e S u m m a r y  a n d  a s s i s t  u s  i n  o u r  i n v e s t i g a t i o n  i f  y o u r  C a r d  i s  l o s t  o r  s t o l e n  o r  y o u  b e l i e v e  s o m e o n e  i s  u s i n g  y o u r
                       C a r d  w i t h o u t  y o u r  p e r m i s s i o n .
                       Yo u  m a y  c l o s e  y o u r  A c c o u n t  a t  a n y  t i m e .  Yo u  r e m a i n  r e s p o n s i b l e  f o r  a n y  a m o u n t  o w e d  u n d e r  t h i s  A g r e e m e n t .  W e
     C l o s i n g  Yo u r  A c c o u n t
                       m a y  c l o s e ,  s u s p e n d  o r  n o t  r e n e w  y o u r  A c c o u n t  a t  a n y  t i m e ,  f o r  a n y  r e a s o n ,  w i t h o u t  n o t i c e .
     F o r e i g n  Tr a n s a c t i o n s
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    6/7/2021                                Gardner-white Credit Card - Legal Docs - Credit Card Agreement
                       I f  a p p l i c a b l e ,  t r a n s a c t i o n s  i n  f o r e i g n  c u r r e n c y  a r e  c o n v e r t e d  t o  U . S .  d o l l a r s  b y  o u r  n e t w o r k  p r o v i d e r s  ( e . g . ,  V i s a
                       a n d  M a s t e r c a r d )  u s i n g  t h e i r  p r o c e d u r e s  i n  e f f e c t  w h e n  t h e  t r a n s a c t i o n  i s  p r o c e s s e d .  C u r r e n t l y,  t h e y  u s e  a
                       g o v e r n m e n t - m a n d a t e d  o r  w h o l e s a l e  r a t e .  T h e s e  p r o c e d u r e s  m a y  c h a n g e  w i t h o u t  n o t i c e .
                       T h e  c o n v e r s i o n  r a t e  y o u  g e t  m a y  d i f f e r  f r o m  t h e  r a t e  o n  t h e  t r a n s a c t i o n  o r  p o s t  d a t e  a n d  f r o m  t h e  r a t e  o u r
                       n e t w o r k  p r o v i d e r  g e t s .  A  t h i r d  p a r t y  m a y  c o n v e r t  a  t r a n s a c t i o n  i n t o  U . S .  d o l l a r s  o r  a n o t h e r  c u r r e n c y,  u s i n g  a  r a t e
                       t h e y  s e l e c t ,  b e f o r e  s e n d i n g  i t  t o  o u r  n e t w o r k  p r o v i d e r.
                       F o r  a n y  t r a n s a c t i o n  m a d e  o r  p r o c e s s e d  o u t s i d e  t h e  U . S .  o r  i n  a  f o r e i g n  c u r r e n c y,  w e  c h a r g e  a  f e e  i n  t h e  a m o u n t
                       o n  t h e  S u m m a r y. 
                       I f  a n y  p a r t  o f  t h i s  A g r e e m e n t  c o n f l i c t s  w i t h  a p p l i c a b l e  l a w,  t h a t  p r o v i s i o n  w i l l  b e  c o n s i d e r e d  m o d i f i e d  t o  c o n f o r m
     C o n f o r m a n c e  w i t h
                       t o  a p p l i c a b l e  l a w.  I f  a n y  p a r t  o f  t h i s  A g r e e m e n t  i s  i n v a l i d ,  t h e  r e s t  s h a l l  r e m a i n  i n  e f f e c t ,  e x c e p t  a s  o t h e r w i s e
     L a w ;  S e v e r a b i l i t y
                       n o t e d  i n  t h e  A r b i t r a t i o n  P r o v i s i o n .
     N o  Wa i v e r   W e  w i l l  n o t  l o s e  o u r  r i g h t s  u n d e r  t h i s  A g r e e m e n t  b e c a u s e  w e  d e l a y  o r  d o  n o t  e n f o r c e  t h e m .
                       W e  m a y  a s s i g n  a n y  o r  a l l  o f  o u r  r i g h t s  a n d  o b l i g a t i o n s  u n d e r  t h i s  A g r e e m e n t  t o  a  t h i r d  p a r t y.  Yo u  m a y  n o t  a s s i g n
     A s s i g n m e n t
                       a n y  o f  y o u r  r i g h t s  o r  o b l i g a t i o n s  u n d e r  t h i s  A g r e e m e n t .
     N e w  J e r s e y  R e s i d e n t s A l l  p r o v i s i o n s  o f  t h i s  a g r e e m e n t  a r e  v a l i d ,  e n f o r c e a b l e  a n d  a p p l i c a b l e  i n  N e w  J e r s e y.
                                             C o m m u n i c a t i o n s  w i t h  U s
     M o n i t o r i n g  a n d  R e c o r d i n g : Yo u r  c o m m u n i c a t i o n s  w i t h  u s  a n d  o u r  a f f i l i a t e s ,  s e r v i c e r s ,  a g e n t s  a n d  c o n t r a c t o r s  m a y  b e  m o n i t o r e d  o r
     r e c o r d e d .  I n f o r m  A u t h o r i z e d  U s e r s  a n d  p e r s o n s  a c t i n g  o n  y o u r  b e h a l f  o r  m a k i n g  p a y m e n t s  o n  t h i s  A c c o u n t  o f  t h i s  p r o v i s i o n .
     C o m m u n i c a t i o n  A u t h o r i z a t i o n : Yo u  g i v e  d i r e c t  c o n s e n t  t o  u s  a n d  o u r  a f f i l i a t e s ,  s e r v i c e r s ,  a g e n t s  a n d  c o n t r a c t o r s ,  i n c l u d i n g  c o l l e c t i o n
     a g e n t s ,  t o  c o m m u n i c a t e  w i t h  y o u  i n  a n y  w a y  t o  s e r v i c e  o r  c o l l e c t  y o u r  A c c o u n t ,  s u c h  a s  c a l l i n g ,  t e x t i n g  o r  e m a i l  v i a :
          a n y  p h o n e  n u m b e r  y o u  g i v e  u s  e v e n  i f  t h e  n u m b e r  i s  o r  c o n v e r t s  t o  a  m o b i l e  p h o n e  n u m b e r ;
          a n y  o t h e r  n u m b e r  y o u  p r o v i d e ,  u s e  t o  c o n t a c t  u s  o r  m a y  u t i l i z e ;
          a n y  o t h e r  d e v i c e  o r  s e r v i c e  f o r  w h i c h  y o u  m a y  b e  c h a r g e d  f o r  t h e  c a l l ,  i n c l u d i n g  Vo i c e  O v e r  I n t e r n e t  P r o t o c o l  ( V O I P ) ;  a n d
          a n y  e m a i l  a d d r e s s  y o u  p r o v i d e  t o  u s  o r  a n y  o t h e r  p e r s o n  o r  c o m p a n y  t h a t  p r o v i d e s  a n y  s e r v i c e s  i n  c o n n e c t i o n  w i t h  t h i s  A g r e e m e n t .
     S u b j e c t  t o  a n y  r e s t r i c t i o n s  o f  a p p l i c a b l e  l a w,  w e  m a y  c o n t a c t  y o u  u s i n g  a u t o m a t e d  t e l e p h o n e  d i a l i n g  s y s t e m s  a n d / o r  p r e - r e c o r d e d  o r
     a r t i f i c i a l  v o i c e  m e s s a g e s  a n d  a n y  o t h e r  f o r m  o f  c o m m u n i c a t i o n .
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    6/7/2021                                Gardner-white Credit Card - Legal Docs - Credit Card Agreement
     C o m m u n i c a t i o n s  m a y  r e s u l t  i n  a d d i t i o n a l  m o b i l e ,  t e x t  m e s s a g e ,  d a t a  o r  o t h e r  c h a r g e s .
     Yo u  m a y  c h a n g e  y o u r  p r e f e r e n c e s  b y  c a l l i n g  t h e  G e n e r a l  p h o n e  n u m b e r  o n  t h e  S u m m a r y.
     D i s p u t e d  D e b t s :  A l l  w r i t t e n  c o m m u n i c a t i o n s  a b o u t  d i s p u t e d  a m o u n t s ,  i n c l u d i n g  a n y  c h e c k  o r  p a y m e n t  i n s t r u m e n t  m a r k e d  � p a y m e n t  i n  f u l l �
     o r  s i m i l a r,  m u s t  b e  s e n t  t o  t h e  a d d r e s s  f o r  D i s p u t e d  D e b t s  o n  t h e  S u m m a r y.  W e  m a y  a c c e p t  p a y m e n t s  s e n t  t o  a n y  o t h e r  a d d r e s s  w i t h o u t
     l o s i n g  o u r  r i g h t s .
     B a n k r u p t c y  N o t i f i c a t i o n s :  S e n d  b a n k r u p t c y  n o t i c e s  a n d  r e l a t e d  c o r r e s p o n d e n c e  t o  t h e  a d d r e s s  f o r  B a n k r u p t c y  N o t i f i c a t i o n s  o n  t h e
     S u m m a r y.
     C h a n g e s :  Yo u  a g r e e  t o  n o t i f y  u s  a t  t h e  G e n e r a l  p h o n e  n u m b e r  o r  a d d r e s s  o n  t h e  S u m m a r y  o r  b y  u p d a t i n g  y o u r  i n f o r m a t i o n  o n  A c c o u n t
     C e n t e r  i m m e d i a t e l y  u p o n  c h a n g i n g  y o u r  n a m e ,  e m a i l  a d d r e s s ,  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r.
     C o m m u n i c a t i o n  i n  L a n g u a g e s  O t h e r  T h a n  E n g l i s h :  Yo u  a g r e e  t o  r e c e i v e  a l l  A c c o u n t  c o m m u n i c a t i o n s  i n  E n g l i s h .  W e  m a y,  a t  o u r  o p t i o n ,
     c o m m u n i c a t e  w i t h  y o u  i n  o t h e r  l a n g u a g e s  a s  a  c o u r t e s y.  W e  m a y  s t o p  c o m m u n i c a t i n g  w i t h  y o u  i n  n o n - E n g l i s h  l a n g u a g e s  a t  a n y  t i m e .
     W h i l e  w e  t r y  t o  e n s u r e  a c c u r a c y  o f  t r a n s l a t i o n s ,  w e  a r e  n o t  r e s p o n s i b l e  f o r  a n y  i n a c c u r a c i e s  i n  t r a n s l a t i o n  o r  m i s u n d e r s t a n d i n g s  d u e  t o
     d i f f e r e n c e s  i n  u s a g e  o r  d i a l e c t .  I n  t h e  e v e n t  o f  i n c o n s i s t e n c y  b e t w e e n  t h e  E n g l i s h  v e r s i o n  a n d  t h e  t r a n s l a t i o n ,  t h e  E n g l i s h  v e r s i o n  w i l l
     c o n t r o l .
                             N o t i c e  f o r  A c t i v e  D u t y  M i l i t a r y  M e m b e r s  a n d  T h e i r  D e p e n d e n t s
     T h e  f o l l o w i n g  d i s c l o s u r e s  a p p l y  t o  y o u  i f ,  i n  c o n n e c t i o n  w i t h  o p e n i n g  y o u r  A c c o u n t ,  w e  d e t e r m i n e  y o u  a r e  a  � c o v e r e d  b o r r o w e r �  a s
     d e f i n e d  i n  t h e  M i l i t a r y  L e n d i n g  A c t ,  w h i c h  i n c l u d e s  e l i g i b l e  a c t i v e  d u t y  m e m b e r s  o f  t h e  A r m e d  F o r c e s  a n d  t h e i r  d e p e n d e n t s :
          T h e  p r o v i s i o n  o f  t h i s  A g r e e m e n t  t i t l e d  � A r b i t r a t i o n  a n d  J u r y  Tr i a l  Wa i v e r �  d o e s  n o t  a p p l y  t o  y o u .
          F e d e r a l  l a w  p r o v i d e s  i m p o r t a n t  p r o t e c t i o n s  t o  m e m b e r s  o f  t h e  A r m e d  F o r c e s  a n d  t h e i r  d e p e n d e n t s  r e l a t i n g  t o  e x t e n s i o n s  o f
          c o n s u m e r  c r e d i t .  I n  g e n e r a l ,  t h e  c o s t  o f  c o n s u m e r  c r e d i t  t o  a  m e m b e r  o f  t h e  A r m e d  F o r c e s  a n d  h i s  o r  h e r  d e p e n d e n t  m a y  n o t
          e x c e e d  a n  a n n u a l  p e r c e n t a g e  r a t e  o f  3 6  p e r c e n t .  T h i s  r a t e  m u s t  i n c l u d e ,  a s  a p p l i c a b l e  t o  t h e  c r e d i t  t r a n s a c t i o n  o r  a c c o u n t :  T h e
          c o s t s  a s s o c i a t e d  w i t h  c r e d i t  i n s u r a n c e  p r e m i u m s ;  f e e s  f o r  a n c i l l a r y  p r o d u c t s  s o l d  i n  c o n n e c t i o n  w i t h  t h e  c r e d i t  t r a n s a c t i o n ;  a n y
          a p p l i c a t i o n  f e e  c h a r g e d  ( o t h e r  t h a n  c e r t a i n  a p p l i c a t i o n  f e e s  f o r  s p e c i f i e d  c r e d i t  t r a n s a c t i o n s  o r  a c c o u n t s ) ;  a n d  a n y  p a r t i c i p a t i o n  f e e
          c h a r g e d  ( o t h e r  t h a n  c e r t a i n  p a r t i c i p a t i o n  f e e s  f o r  a  c r e d i t  c a r d  a c c o u n t ) .
          To  h e a r  i n f o r m a t i o n  a b o u t  t h e s e  p r o t e c t i o n s  a n d  a  d e s c r i p t i o n  o f  y o u r  p a y m e n t  o b l i g a t i o n s ,  c a l l  t o l l  f r e e  a t  1 - 8 6 6 - 2 3 0 - 0 4 1 8 ( o r  a t
          t h e  G e n e r a l  T D D / T T Y  n u m b e r  o n  t h e  S u m m a r y ) .
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                                          A r b i t r a t i o n  a n d  J u r y  Tr i a l  Wa i v e r
                       P l e a s e  r e v i e w  t h e  f o l l o w i n g  i m p o r t a n t  p r o v i s i o n s  c a r e f u l l y.  P a y  s p e c i a l  a t t e n t i o n  t o  P a r a g r a p h s :
                       �  A :  J u r y  Tr i a l  Wa i v e r ;
                       �  C :  A r b i t r a t i o n  P r o v i s i o n ;
     K e y  P r o v i s i o n s
                       �  C . 1 :  R i g h t  t o  R e j e c t ;
                       �  C . 6 :  C o u r t  a n d  J u r y  Tr i a l s  P r o h i b i t e d ;  O t h e r  L i m i t a t i o n s  o n  L e g a l  R i g h t s ;  a n d
                       �  C . 7 :  C l a s s  A c t i o n  Wa i v e r.
                       To  t h e  e x t e n t  p e r m i t t e d  b y  l a w,  y o u  a n d  w e  w a i v e  a n y  r i g h t  t o  t r i a l  b y  j u r y  i n  t h e  e v e n t  o f  a  l a w s u i t  a r i s i n g
                       o u t  o f  o r  r e l a t e d  t o  t h i s  A g r e e m e n t .  T h i s  j u r y  t r i a l  w a i v e r  s h a l l  n o t  a f f e c t  t h e  A r b i t r a t i o n  P r o v i s i o n  b e l o w
     A .  J u r y  Tr i a l  Wa i v e r
                       ( i n c l u d i n g  t h e  j u r y  t r i a l  w a i v e r  c o n t a i n e d  t h e r e i n ) .  Yo u  a n d  w e  e a c h  r e p r e s e n t  t h a t  t h i s  w a i v e r  i s  g i v e n
                       k n o w i n g l y,  w i l l i n g l y  a n d  v o l u n t a r i l y.
                       P r i o r  t o  b r i n g i n g  a  l a w s u i t  o r  i n i t i a t i n g  a n  a r b i t r a t i o n  t h a t  a s s e r t s  a  c l a i m  a r i s i n g  o u t  o f  o r  r e l a t e d  t o  t h i s
                       A g r e e m e n t  ( a s  f u r t h e r  d e f i n e d  b e l o w,  � C l a i m � ) ,  t h e  p a r t y  a s s e r t i n g  t h e  C l a i m  ( � C l a i m a n t � )  s h a l l  g i v e  t h e  o t h e r
                       p a r t y  ( � D e f e n d a n t � )  w r i t t e n  n o t i c e  o f  t h e  C l a i m  ( � C l a i m  N o t i c e � )  a n d  a  r e a s o n a b l e  o p p o r t u n i t y,  n o t  l e s s  t h a n  3 0
                       d a y s ,  t o  r e s o l v e  t h e  C l a i m .  A n y  C l a i m  N o t i c e  t o  y o u  s h a l l  b e  s e n t  t o  t h e  a d d r e s s  w e  h a v e  i n  o u r  r e c o r d s  ( o r  a n y
                       u p d a t e d  a d d r e s s  y o u  s u b s e q u e n t l y  p r o v i d e  t o  u s ) .  A n y  C l a i m  N o t i c e  t o  u s  s h a l l  b e  s e n t  b y  m a i l  t o  t h e  a d d r e s s
     B .  N o t i c e  a n d  C u r e f o r  A r b i t r a t i o n  C l a i m s  o n  t h e  S u m m a r y  ( o r  a n y  u p d a t e d  a d d r e s s  w e  s u b s e q u e n t l y  p r o v i d e ) .  A n y  C l a i m  N o t i c e  y o u
                       s e n d  m u s t  p r o v i d e  y o u r  n a m e ,  a d d r e s s  a n d  A c c o u n t  n u m b e r  a n d  e x p l a i n  t h e  n a t u r e  o f  t h e  C l a i m  a n d  r e l i e f
                       d e m a n d e d .  Yo u  m a y  o n l y  s u b m i t  a  C l a i m  N o t i c e  o n  y o u r  o w n  b e h a l f  a n d  n o t  o n  b e h a l f  o f  a n y  o t h e r  p a r t y.  N o
                       t h i r d  p a r t y,  o t h e r  t h a n  a  l a w y e r  y o u  h a v e  p e r s o n a l l y  r e t a i n e d ,  m a y  s u b m i t  a  C l a i m  N o t i c e  o n  y o u r  b e h a l f .  T h e
                       C l a i m a n t  m u s t  r e a s o n a b l y  c o o p e r a t e  i n  p r o v i d i n g  a n y  i n f o r m a t i o n  a b o u t  t h e  C l a i m  t h a t  t h e  D e f e n d a n t  r e a s o n a b l y
                       r e q u e s t s .
                       R e v i e w  t h i s  p r o v i s i o n  c a r e f u l l y.  I f  y o u  d o  n o t  r e j e c t  i t  i n  a c c o r d a n c e  w i t h  P a r a g r a p h  C . 1 ,  R i g h t  t o  R e j e c t ,
     C .  A r b i t r a t i o n
                       b e l o w,  i t  w i l l  b e  p a r t  o f  t h i s  A g r e e m e n t  a n d  w i l l  h a v e  a  s u b s t a n t i a l  i m p a c t  o n  t h e  w a y  y o u  o r  w e  w i l l
     P r o v i s i o n
                       r e s o l v e  a n y  C l a i m  y o u  o r  w e  h a v e  a g a i n s t  e a c h  o t h e r  n o w  o r  i n  t h e  f u t u r e .
                       I f  y o u  d o n � t  w a n t  t h i s  A r b i t r a t i o n  P r o v i s i o n  ( a n d  a n y  p r i o r  a r b i t r a t i o n  a g r e e m e n t  b e t w e e n  y o u  a n d  u s
                       ( � P r i o r  A r b i t r a t i o n  A g r e e m e n t � ) )  t o  a p p l y,  y o u  m a y  r e j e c t  i t  b y  m a i l i n g  u s  a  w r i t t e n  r e j e c t i o n  n o t i c e  w h i c h
                       g i v e s  y o u r  n a m e  a n d  c o n t a i n s  a  s t a t e m e n t  t h a t  y o u  ( b o t h  o f  y o u ,  i f  m o r e  t h a n  o n e )  r e j e c t  t h e  A r b i t r a t i o n
                       P r o v i s i o n  o f  t h i s  A g r e e m e n t .  T h e  r e j e c t i o n  n o t i c e  m u s t  b e  s e n t  t o  u s  a t  t h e  a d d r e s s  f o r  A r b i t r a t i o n
     1 .  R i g h t  t o  R e j e c t
                       R e j e c t i o n  o n  t h e  S u m m a r y.  A  r e j e c t i o n  n o t i c e  i s  o n l y  e f f e c t i v e  i f  i t  i s  s i g n e d  b y  y o u  ( a l l  o f  y o u ,  i f  m o r e
                       t h a n  o n e )  a n d  i f  w e  r e c e i v e  i t  w i t h i n  3 0  c a l e n d a r  d a y s  a f t e r  t h e  d a t e  w e  f i r s t  p r o v i d e  y o u  w i t h  a  c r e d i t  c a r d
                       a g r e e m e n t  o r  w r i t t e n  n o t i c e  p r o v i d i n g  y o u  a  r i g h t  t o  r e j e c t  t h i s  A r b i t r a t i o n  P r o v i s i o n .  Yo u r  r e j e c t i o n  o f  t h i s
                       A r b i t r a t i o n  P r o v i s i o n  w i l l  n o t  a f f e c t  a n y  o t h e r  p r o v i s i o n  o f  t h i s  A g r e e m e n t  o r  y o u r  a b i l i t y  t o  o b t a i n  c r e d i t .
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     2 .  P a r t i e s S o l e l y  a s  u s e d  i n  t h i s  A r b i t r a t i o n  P r o v i s i o n  ( a n d  n o t  e l s e w h e r e  i n  t h i s  A g r e e m e n t ) ,  t h e  t e r m s  � w e , �  � u s �  a n d  � o u r �
                       m e a n
                       a .  t h e  i s s u e r  o f  y o u r  C a r d  n a m e d  o n  t h e  S u m m a r y  a n d  i t s  s u c c e s s o r s  a n d / o r  a s s i g n s ,  a s  w e l l  a s  a n y  p a r e n t ,
                       s u b s i d i a r y  o r  a f f i l i a t e  o f  t h e i r s  a n d  t h e i r  e m p l o y e e s ,  o f f i c e r s  a n d  d i r e c t o r s  ( t h e  � B a n k  P a r t i e s � ) ;  a n d
                       b .  a n y  o t h e r  p e r s o n  o r  c o m p a n y  t h a t  p r o v i d e s  a n y  s e r v i c e s  i n  c o n n e c t i o n  w i t h  t h i s  A g r e e m e n t  i f  y o u  a s s e r t  a
                       C l a i m  a g a i n s t  s u c h  o t h e r  p e r s o n  o r  c o m p a n y  a t  t h e  s a m e  t i m e  y o u  a s s e r t  a  C l a i m  a g a i n s t  a n y  B a n k  P a r t y.
                       � C l a i m �  m e a n s  a n y  c l a i m ,  d i s p u t e  o r  c o n t r o v e r s y  b e t w e e n  y o u  a n d  u s  t h a t  i n  a n y  w a y  a r i s e s  f r o m  o r  r e l a t e s  t o
                       t h i s  A g r e e m e n t ,  t h e  A c c o u n t ,  t h e  i s s u a n c e  o f  a n y  C a r d ,  a n y  r e w a r d s  p r o g r a m  a n d / o r  a n y  p r i o r  a g r e e m e n t  o r
                       a c c o u n t .  � C l a i m �  i n c l u d e s  d i s p u t e s  a r i s i n g  f r o m  a c t i o n s  o r  o m i s s i o n s  p r i o r  t o  t h e  d a t e  a n y  C a r d  w a s  i s s u e d  t o
                       y o u ,  i n c l u d i n g  t h e  a d v e r t i s i n g  r e l a t e d  t o ,  a p p l i c a t i o n  f o r  o r  a p p r o v a l  o f  t h e  A c c o u n t .  � C l a i m �  h a s  t h e  b r o a d e s t
                       p o s s i b l e  m e a n i n g ,  a n d  i n c l u d e s  i n i t i a l  c l a i m s ,  c o u n t e r c l a i m s ,  c r o s s - c l a i m s  a n d  t h i r d - p a r t y  c l a i m s .  I t  i n c l u d e s
                       d i s p u t e s  b a s e d  o n  c o n t r a c t ,  t o r t ,  c o n s u m e r  r i g h t s ,  f r a u d  a n d  o t h e r  i n t e n t i o n a l  t o r t s ,  c o n s t i t u t i o n ,  s t a t u t e ,
     3 .  C o v e r e d  C l a i m s r e g u l a t i o n ,  o r d i n a n c e ,  c o m m o n  l a w  a n d  e q u i t y  ( i n c l u d i n g  a n y  c l a i m  f o r  i n j u n c t i v e  o r  d e c l a r a t o r y  r e l i e f ) .  � C l a i m �
                       d o e s  n o t  i n c l u d e  d i s p u t e s  a b o u t  t h e  v a l i d i t y,  e n f o r c e a b i l i t y,  c o v e r a g e  o r  s c o p e  o f  t h i s  A r b i t r a t i o n  P r o v i s i o n  o r  a n y
                       p a r t  t h e r e o f  ( i n c l u d i n g ,  w i t h o u t  l i m i t a t i o n ,  t h e  p r o h i b i t i o n  a g a i n s t  c l a s s  p r o c e e d i n g s ,  p r i v a t e  a t t o r n e y  g e n e r a l
                       p r o c e e d i n g s  a n d / o r  m u l t i p l e  p a r t y  p r o c e e d i n g s  d e s c r i b e d  i n  P a r a g r a p h  C . 7 ,  P r o h i b i t i o n s  A g a i n s t  C e r t a i n
                       P r o c e e d i n g s  ( C l a s s  A c t i o n  Wa i v e r ) ,  P a r a g r a p h  C . 1 3 ,  S e v e r a b i l i t y,  a n d / o r  t h i s  s e n t e n c e ) ;  a l l  s u c h  d i s p u t e s  a r e  f o r
                       a  c o u r t  a n d  n o t  a n  a r b i t r a t o r  t o  d e c i d e .  H o w e v e r,  a n y  d i s p u t e  o r  a r g u m e n t  t h a t  c o n c e r n s  t h e  v a l i d i t y  o r
                       e n f o r c e a b i l i t y  o f  t h e  A g r e e m e n t  a s  a  w h o l e  i s  f o r  t h e  a r b i t r a t o r,  n o t  a  c o u r t ,  t o  d e c i d e .
                       A r b i t r a t i o n  m a y  b e  e l e c t e d  b y  a n y  p a r t y  w i t h  r e s p e c t  t o  a n y  C l a i m ,  e v e n  i f  t h a t  p a r t y  h a s  a l r e a d y  i n i t i a t e d  a
                       l a w s u i t  w i t h  r e s p e c t  t o  a  d i f f e r e n t  C l a i m .  A r b i t r a t i o n  i s  s t a r t e d  b y  g i v i n g  a  w r i t t e n  d e m a n d  f o r  a r b i t r a t i o n  t o  t h e
     4 .  S t a r t i n g  a n
                       o t h e r  p a r t y.  W e  w i l l  n o t  d e m a n d  t o  a r b i t r a t e  a n  i n d i v i d u a l  C l a i m  t h a t  y o u  b r i n g  a g a i n s t  u s  i n  s m a l l  c l a i m s  c o u r t  o r
     A r b i t r a t i o n
                       y o u r  s t a t e � s  e q u i v a l e n t  c o u r t ,  i f  a n y.  B u t  i f  t h a t  C l a i m  i s  t r a n s f e r r e d ,  r e m o v e d  o r  a p p e a l e d  t o  a  d i f f e r e n t  c o u r t ,  w e
                       t h e n  h a v e  t h e  r i g h t  t o  d e m a n d  a r b i t r a t i o n .
     5 .  A d m i n i s t r a t o r � A d m i n i s t r a t o r �  m e a n s  t h e  A m e r i c a n  A r b i t r a t i o n  A s s o c i a t i o n  ( � A A A � ) ,  1 2 0  B r o a d w a y,  2 1 s t  F l o o r,  N e w  Yo r k ,  N Y
                       1 0 2 7 1 ,  w w w. a d r. o r g ;  J A M S ,  6 2 0  E i g h t h  A v e n u e ,  3 4 t h  F l o o r,  N e w  Yo r k ,  N Y  1 0 0 1 8 ,  w w w. j a m s a d r. c o m ;  o r  a n y  o t h e r
                       c o m p a n y  s e l e c t e d  b y  m u t u a l  a g r e e m e n t  o f  t h e  p a r t i e s .  I f  b o t h  A A A  a n d  J A M S  c a n n o t  o r  w i l l  n o t  s e r v e  a n d  t h e
                       p a r t i e s  a r e  u n a b l e  t o  s e l e c t  a n  A d m i n i s t r a t o r  b y  m u t u a l  c o n s e n t ,  t h e  A d m i n i s t r a t o r  w i l l  b e  s e l e c t e d  b y  a  c o u r t .
                       T h e  a r b i t r a t o r  w i l l  b e  a p p o i n t e d  b y  t h e  A d m i n i s t r a t o r  i n  a c c o r d a n c e  w i t h  t h e  r u l e s  o f  t h e  A d m i n i s t r a t o r.  H o w e v e r,
                       t h e  a r b i t r a t o r  m u s t  b e  a  r e t i r e d  o r  f o r m e r  j u d g e  o r  a  l a w y e r  w i t h  a t  l e a s t  1 0  y e a r s  o f  e x p e r i e n c e .  Yo u  g e t  t o
                       s e l e c t  t h e  A d m i n i s t r a t o r  i f  y o u  g i v e  u s  w r i t t e n  n o t i c e  o f  y o u r  s e l e c t i o n  w i t h  y o u r  n o t i c e  t h a t  y o u  a r e  e l e c t i n g  t o
                       a r b i t r a t e  a n y  C l a i m  o r  w i t h i n  2 0  d a y s  a f t e r  w e  g i v e  y o u  n o t i c e  t h a t  w e  a r e  e l e c t i n g  t o  a r b i t r a t e  a n y  C l a i m  ( o r,  i f
                       y o u  d i s p u t e  o u r  r i g h t  t o  r e q u i r e  a r b i t r a t i o n  o f  t h e  C l a i m ,  w i t h i n  2 0  d a y s  a f t e r  t h a t  d i s p u t e  i s  f i n a l l y  r e s o l v e d ) .  I f
                       y o u  d o  n o t  s e l e c t  t h e  A d m i n i s t r a t o r  o n  t i m e ,  w e  m a y  d o  i t .  N o t w i t h s t a n d i n g  a n y  l a n g u a g e  i n  t h i s  A r b i t r a t i o n
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                       P r o v i s i o n  t o  t h e  c o n t r a r y,  n o  a r b i t r a t i o n  m a y  b e  a d m i n i s t e r e d  w i t h o u t  t h e  c o n s e n t  o f  a l l  p a r t i e s  t o  t h e  a r b i t r a t i o n ,
                       b y  a n y  A d m i n i s t r a t o r  t h a t  h a s  i n  p l a c e  a  f o r m a l  o r  i n f o r m a l  p o l i c y  t h a t  i s  i n c o n s i s t e n t  w i t h  t h e  C l a s s  A c t i o n
                       Wa i v e r.
     6 .  C o u r t  a n d  J u r y
                       I f  y o u  o r  w e  e l e c t  t o  a r b i t r a t e  a  C l a i m ,  y o u  w i l l  n o t  h a v e  t h e  r i g h t  t o  p u r s u e  t h a t  C l a i m  i n  c o u r t  o r  h a v e  a
     Tr i a l s  P r o h i b i t e d ;  O t h e r
                       j u r y  d e c i d e  t h e  C l a i m .  A l s o ,  y o u r  a b i l i t y  t o  o b t a i n  i n f o r m a t i o n  f r o m  u s  i s  m o r e  l i m i t e d  i n  a r b i t r a t i o n  t h a n  i n
     L i m i t a t i o n s  o n  L e g a l
                       a  l a w s u i t .  O t h e r  r i g h t s  t h a t  y o u  w o u l d  h a v e  i f  y o u  w e n t  t o  c o u r t  m a y  a l s o  n o t  b e  a v a i l a b l e  i n  a r b i t r a t i o n .
     R i g h t s
                       I f  y o u  o r  w e  e l e c t  t o  a r b i t r a t e  a  C l a i m :
                       a .  n e i t h e r  y o u  n o r  w e  m a y  p a r t i c i p a t e  i n  a  c l a s s  a c t i o n  i n  c o u r t  o r  i n  c l a s s - w i d e  a r b i t r a t i o n ,  e i t h e r  a s  a
                       p l a i n t i f f ,  d e f e n d a n t  o r  c l a s s  m e m b e r ;
     7 .  P r o h i b i t i o n  A g a i n s t
                       b .  n e i t h e r  y o u  n o r  w e  m a y  a c t  a s  a  p r i v a t e  a t t o r n e y  g e n e r a l  i n  c o u r t  o r  i n  a r b i t r a t i o n ;
     C e r t a i n  P r o c e e d i n g s
                       c .  C l a i m s  b r o u g h t  b y  o r  a g a i n s t  y o u  m a y  n o t  b e  j o i n e d  o r  c o n s o l i d a t e d  w i t h  C l a i m s  b r o u g h t  b y  o r  a g a i n s t
     ( C l a s s  A c t i o n  Wa i v e r )
                       a n y  o t h e r  p e r s o n ;  a n d
                       d .  t h e  a r b i t r a t o r  s h a l l  h a v e  n o  p o w e r  o r  a u t h o r i t y  t o  c o n d u c t  a  c l a s s - w i d e  a r b i t r a t i o n ,  p r i v a t e  a t t o r n e y
                       g e n e r a l  a r b i t r a t i o n  o r  m u l t i p l e - p a r t y  a r b i t r a t i o n .
                       A n y  a r b i t r a t i o n  h e a r i n g  t h a t  y o u  a t t e n d  m u s t  t a k e  p l a c e  a t  a  l o c a t i o n  r e a s o n a b l y  c o n v e n i e n t  t o  y o u .  W e  w i l l  p a y
                       a n y  a n d  a l l  f e e s  o f  t h e  A d m i n i s t r a t o r  a n d / o r  t h e  a r b i t r a t o r  i f  a p p l i c a b l e  l a w  r e q u i r e s  u s  t o ,  i f  y o u  p r e v a i l  i n  t h e
     8 .  L o c a t i o n  a n d  C o s t s a r b i t r a t i o n  o r  i f  w e  m u s t  b e a r  s u c h  f e e s  i n  o r d e r  f o r  t h i s  A r b i t r a t i o n  P r o v i s i o n  t o  b e  e n f o r c e d .  I f  y o u  d e m a n d  a n
                       a r b i t r a t i o n ,  w e  w i l l  p a y  y o u r  r e a s o n a b l e  a t t o r n e y s �  a n d  e x p e r t s �  f e e s  i f  y o u  p r e v a i l  o r  i f  w e  m u s t  b e a r  s u c h  f e e s
                       i n  o r d e r  f o r  t h i s  A r b i t r a t i o n  P r o v i s i o n  t o  b e  e n f o r c e d .  A l s o ,  w e  w i l l  b e a r  a n y  f e e s  i f  a p p l i c a b l e  l a w  r e q u i r e s  u s  t o .
                       T h i s  A r b i t r a t i o n  P r o v i s i o n  i n v o l v e s  i n t e r s t a t e  c o m m e r c e  a n d  i s  g o v e r n e d  b y  t h e  F e d e r a l  A r b i t r a t i o n  A c t ,  9  U . S . C .
                       � �  1 - 1 6  ( � FA A � ) ,  a n d  n o t  b y  a n y  s t a t e  a r b i t r a t i o n  l a w.  T h e  a r b i t r a t o r  m u s t  a p p l y  a p p l i c a b l e  s u b s t a n t i v e  l a w
                       c o n s i s t e n t  w i t h  t h e  FA A  a n d  a p p l i c a b l e  s t a t u t e s  o f  l i m i t a t i o n s  a n d  c l a i m s  o f  p r i v i l e g e  r e c o g n i z e d  a t  l a w.  T h e
     9 .  G o v e r n i n g  L a w a r b i t r a t o r  m a y  a w a r d  a n y  r e m e d y  p r o v i d e d  b y  t h e  s u b s t a n t i v e  l a w  t h a t  w o u l d  a p p l y  i f  t h e  a c t i o n  w e r e  p e n d i n g  i n
                       c o u r t  ( i n c l u d i n g ,  w i t h o u t  l i m i t a t i o n ,  p u n i t i v e  d a m a g e s ,  w h i c h  s h a l l  b e  g o v e r n e d  b y  t h e  C o n s t i t u t i o n a l  s t a n d a r d s
                       e m p l o y e d  b y  t h e  c o u r t s ) .  A t  t h e  t i m e l y  r e q u e s t  o f  e i t h e r  p a r t y,  t h e  a r b i t r a t o r  m u s t  p r o v i d e  a  b r i e f  w r i t t e n
                       e x p l a n a t i o n  o f  t h e  b a s i s  f o r  t h e  a w a r d .
                       I n  a d d i t i o n  t o  t h e  p a r t i e s �  r i g h t s  t o  o b t a i n  d i s c o v e r y  p u r s u a n t  t o  t h e  a r b i t r a t i o n  r u l e s  o f  t h e  A d m i n i s t r a t o r,  e i t h e r
     1 0 .  D i s c o v e r y p a r t y  m a y  s u b m i t  a  w r i t t e n  r e q u e s t  t o  t h e  a r b i t r a t o r  t o  e x p a n d  t h e  s c o p e  o f  d i s c o v e r y  n o r m a l l y  a l l o w a b l e  u n d e r
                       t h e  a r b i t r a t i o n  r u l e s  o f  t h e  A d m i n i s t r a t o r.  T h e  a r b i t r a t o r  s h a l l  h a v e  d i s c r e t i o n  t o  g r a n t  o r  d e n y  t h a t  r e q u e s t .
                       J u d g m e n t  u p o n  t h e  a r b i t r a t o r � s  a w a r d  m a y  b e  e n t e r e d  b y  a n y  c o u r t  h a v i n g  j u r i s d i c t i o n .  T h e  a r b i t r a t o r � s  d e c i s i o n  i s
                       f i n a l  a n d  b i n d i n g ,  e x c e p t  f o r  a n y  r i g h t  o f  a p p e a l  p r o v i d e d  b y  t h e  FA A  a n d / o r  t h e  r u l e s  o f  t h e  A d m i n i s t r a t o r.  A n y
     11 .  R e s u l t  a n d  A p p e a l s
                       f i n d i n g ,  a w a r d  o r  j u d g m e n t  f r o m  a n  a r b i t r a t i o n  o f  a n y  C l a i m  s h a l l  a p p l y  o n l y  t o  t h a t  a r b i t r a t i o n .  N o  f i n d i n g ,  a w a r d
                       o r  j u d g m e n t  f r o m  a n y  o t h e r  a r b i t r a t i o n  s h a l l  i m p a c t  t h e  a r b i t r a t i o n  o f  a n y  C l a i m .
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     1 2 .  I n t e r p r e t a t i o n T h i s  A r b i t r a t i o n  P r o v i s i o n  s h a l l  s u r v i v e  t h e  r e p a y m e n t  o f  a l l  a m o u n t s  o w e d  u n d e r  t h i s  A g r e e m e n t ,  t h e  c l o s i n g  o f
                       t h e  A c c o u n t ,  a n y  l e g a l  p r o c e e d i n g  a n d  a n y  b a n k r u p t c y  t o  t h e  e x t e n t  c o n s i s t e n t  w i t h  a p p l i c a b l e  b a n k r u p t c y  l a w.  I n
                       t h e  e v e n t  o f  a  c o n f l i c t  o r  i n c o n s i s t e n c y  b e t w e e n  t h i s  A r b i t r a t i o n  P r o v i s i o n  a n d  t h e  a p p l i c a b l e  a r b i t r a t i o n  r u l e s  o r
                       t h e  o t h e r  p r o v i s i o n s  o f  t h i s  A g r e e m e n t ,  t h i s  A r b i t r a t i o n  P r o v i s i o n  s h a l l  g o v e r n .  T h i s  A r b i t r a t i o n  P r o v i s i o n  r e p l a c e s
                       a n y  P r i o r  A r b i t r a t i o n  A g r e e m e n t .
                       I f  a n y  p o r t i o n  o f  t h i s  A r b i t r a t i o n  P r o v i s i o n  i s  h e l d  t o  b e  i n v a l i d  o r  u n e n f o r c e a b l e ,  t h e  r e m a i n i n g  p o r t i o n s  s h a l l
                       n e v e r t h e l e s s  r e m a i n  i n  f o r c e ,  s u b j e c t  t o  t w o  e x c e p t i o n s .  F i r s t ,  i f  a  d e t e r m i n a t i o n  i s  m a d e  t h a t  t h e  C l a s s  A c t i o n
                       Wa i v e r  i s  u n e n f o r c e a b l e ,  a n d  t h a t  d e t e r m i n a t i o n  i s  n o t  r e v e r s e d  o n  a p p e a l ,  t h e n  t h e  A r b i t r a t i o n  P r o v i s i o n  s h a l l  b e
     1 3 .  S e v e r a b i l i t y v o i d  i n  i t s  e n t i r e t y.  S e c o n d ,  i f  a  c o u r t  d e t e r m i n e s  t h a t  a  p u b l i c  i n j u n c t i v e  r e l i e f  C l a i m  m a y  p r o c e e d
                       n o t w i t h s t a n d i n g  t h e  C l a s s  A c t i o n  Wa i v e r,  a n d  t h a t  d e t e r m i n a t i o n  i s  n o t  r e v e r s e d  o n  a p p e a l ,  t h e n  t h e  p u b l i c
                       i n j u n c t i v e  r e l i e f  C l a i m  w i l l  b e  d e c i d e d  b y  a  c o u r t ,  a n y  i n d i v i d u a l  C l a i m s  w i l l  b e  a r b i t r a t e d ,  a n d  t h e  p a r t i e s  w i l l  a s k
                       t h e  c o u r t  t o  s t a y  t h e  p u b l i c  i n j u n c t i v e  r e l i e f  C l a i m  u n t i l  t h e  o t h e r  C l a i m s  h a v e  b e e n  f i n a l l y  c o n c l u d e d .
                       T h e  a r b i t r a t o r  s h a l l  a w a r d  y o u  a t  l e a s t  $ 5 , 1 0 0  ( p l u s  a n y  f e e s  a n d  c o s t s  t o  w h i c h  y o u  a r e  e n t i t l e d )  i f :
                       a .  y o u  s u b m i t  a  C l a i m  N o t i c e  i n  a c c o r d a n c e  w i t h  P a r a g r a p h  B ,  N o t i c e  a n d  C u r e ,  a b o v e  o n  y o u r  o w n  b e h a l f  ( a n d
     1 4 .  S p e c i a l  P a y m e n t n o t  o n  b e h a l f  o f  a n y  o t h e r  p a r t y ) ;
                       b .  w e  r e f u s e  t o  p r o v i d e  y o u  w i t h  t h e  r e l i e f  y o u  r e q u e s t  b e f o r e  a n  a r b i t r a t o r  i s  a p p o i n t e d ;  a n d
                       c .  a n  a r b i t r a t o r  s u b s e q u e n t l y  d e t e r m i n e s  t h a t  y o u  w e r e  e n t i t l e d  t o  s u c h  r e l i e f  ( o r  g r e a t e r  r e l i e f ) .
     Yo u r  B i l l i n g  R i g h t s :  K e e p  T h i s  D o c u m e n t  F o r  F u t u r e  U s e
     T h i s  n o t i c e  t e l l s  y o u  a b o u t  y o u r  r i g h t s  a n d  o u r  r e s p o n s i b i l i t i e s  u n d e r  t h e  F a i r  C r e d i t  B i l l i n g  A c t .
     W h a t  To  D o  I f  Yo u  F i n d  A  M i s t a k e  O n  Yo u r  S t a t e m e n t
     I f  y o u  t h i n k  t h e r e  i s  a n  e r r o r  o n  y o u r  s t a t e m e n t ,  w r i t e  t o  u s  a t  t h e  a d d r e s s  f o r  B i l l i n g  E r r o r s  o n  t h e  S u m m a r y
     I n  y o u r  l e t t e r,  g i v e  u s  t h e  f o l l o w i n g  i n f o r m a t i o n :
          A c c o u n t  i n f o r m a t i o n : Yo u r  n a m e  a n d  a c c o u n t  n u m b e r.
          D o l l a r  a m o u n t : T h e  d o l l a r  a m o u n t  o f  t h e  s u s p e c t e d  e r r o r.
          D e s c r i p t i o n  o f  p r o b l e m : I f  y o u  t h i n k  t h e r e  i s  a n  e r r o r  o n  y o u r  b i l l ,  d e s c r i b e  w h a t  y o u  b e l i e v e  i s  w r o n g  a n d  w h y  y o u  b e l i e v e  i t  i s  a
          m i s t a k e .
     Yo u  m u s t  c o n t a c t  u s :
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          W i t h i n  6 0  d a y s  a f t e r  t h e  e r r o r  a p p e a r e d  o n  y o u r  s t a t e m e n t .
          A t  l e a s t  3  b u s i n e s s  d a y s  b e f o r e  a n  a u t o m a t e d  p a y m e n t  i s  s c h e d u l e d ,  i f  y o u  w a n t  t o  s t o p  p a y m e n t  o n  t h e  a m o u n t  y o u  t h i n k  i s
          w r o n g .
     Yo u  m u s t  n o t i f y  u s  o f  a n y  p o t e n t i a l  e r r o r s  i n  w r i t i n g .  Yo u  m a y  c a l l  u s ,  b u t  i f  y o u  d o  w e  a r e  n o t  r e q u i r e d  t o  i n v e s t i g a t e  a n y  p o t e n t i a l
     e r r o r s  a n d  y o u  m a y  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n .
     W h a t  W i l l  H a p p e n  A f t e r  W e  R e c e i v e  Yo u r  L e t t e r
     W h e n  w e  r e c e i v e  y o u r  l e t t e r,  w e  m u s t  d o  t w o  t h i n g s :
     1 .  W i t h i n  3 0  d a y s  o f  r e c e i v i n g  y o u r  l e t t e r,  w e  m u s t  t e l l  y o u  t h a t  w e  r e c e i v e d  y o u r  l e t t e r.  W e  w i l l  a l s o  t e l l  y o u  i f  w e  h a v e  a l r e a d y
     c o r r e c t e d  t h e  e r r o r.
     2 .  W i t h i n  9 0  d a y s  o f  r e c e i v i n g  y o u r  l e t t e r,  w e  m u s t  e i t h e r  c o r r e c t  t h e  e r r o r  o r  e x p l a i n  t o  y o u  w h y  w e  b e l i e v e  t h e  b i l l  i s  c o r r e c t .
     W h i l e  w e  i n v e s t i g a t e  w h e t h e r  o r  n o t  t h e r e  h a s  b e e n  a n  e r r o r :
          W e  c a n n o t  t r y  t o  c o l l e c t  t h e  a m o u n t  i n  q u e s t i o n ,  o r  r e p o r t  y o u  a s  d e l i n q u e n t  o n  t h a t  a m o u n t .
          T h e  c h a r g e  i n  q u e s t i o n  m a y  r e m a i n  o n  y o u r  s t a t e m e n t ,  a n d  w e  m a y  c o n t i n u e  t o  c h a r g e  y o u  i n t e r e s t  o n  t h a t  a m o u n t .
          W h i l e  y o u  d o  n o t  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n ,  y o u  a r e  r e s p o n s i b l e  f o r  t h e  r e m a i n d e r  o f  y o u r  b a l a n c e .
          W e  c a n  a p p l y  a n y  u n p a i d  a m o u n t  a g a i n s t  y o u r  c r e d i t  l i m i t .
     A f t e r  w e  f i n i s h  o u r  i n v e s t i g a t i o n ,  o n e  o f  t w o  t h i n g s  w i l l  h a p p e n :
          I f  w e  m a d e  a  m i s t a k e :  Yo u  w i l l  n o t  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n  o r  a n y  i n t e r e s t  o r  o t h e r  f e e s  r e l a t e d  t o  t h a t  a m o u n t .
          I f  w e  d o  n o t  b e l i e v e  t h e r e  w a s  a  m i s t a k e :  Yo u  w i l l  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n ,  a l o n g  w i t h  a p p l i c a b l e  i n t e r e s t  a n d  f e e s .  W e
          w i l l  s e n d  y o u  a  s t a t e m e n t  o f  t h e  a m o u n t  y o u  o w e  a n d  t h e  d a t e  p a y m e n t  i s  d u e .  W e  m a y  t h e n  r e p o r t  y o u  a s  d e l i n q u e n t  i f  y o u  d o
          n o t  p a y  t h e  a m o u n t  w e  t h i n k  y o u  o w e .
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     I f  y o u  r e c e i v e  o u r  e x p l a n a t i o n  b u t  s t i l l  b e l i e v e  y o u r  b i l l  i s  w r o n g ,  y o u  m u s t  w r i t e  t o  u s  w i t h i n  1 0  d a y s t e l l i n g  u s  t h a t  y o u  s t i l l  r e f u s e  t o
     p a y.  I f  y o u  d o  s o ,  w e  c a n n o t  r e p o r t  y o u  a s  d e l i n q u e n t  w i t h o u t  a l s o  r e p o r t i n g  t h a t  y o u  a r e  q u e s t i o n i n g  y o u r  b i l l .  W e  m u s t  t e l l  y o u  t h e
     n a m e  o f  a n y o n e  t o  w h o m  w e  r e p o r t e d  y o u  a s  d e l i n q u e n t ,  a n d  w e  m u s t  l e t  t h o s e  o r g a n i z a t i o n s  k n o w  w h e n  t h e  m a t t e r  h a s  b e e n  s e t t l e d
     b e t w e e n  u s .
     I f  w e  d o  n o t  f o l l o w  a l l  o f  t h e  r u l e s  a b o v e ,  y o u  d o  n o t  h a v e  t o  p a y  t h e  f i r s t  $ 5 0  o f  t h e  a m o u n t  y o u  q u e s t i o n  e v e n  i f  y o u r  b i l l  i s  c o r r e c t .
     Yo u r  R i g h t s  I f  Yo u  A r e  D i s s a t i s f i e d  W i t h  Yo u r  C r e d i t  C a r d  P u r c h a s e s
     I f  y o u  a r e  d i s s a t i s f i e d  w i t h  t h e  g o o d s  o r  s e r v i c e s  t h a t  y o u  h a v e  p u r c h a s e d  w i t h  y o u r  c r e d i t  c a r d ,  a n d  y o u  h a v e  t r i e d  i n  g o o d  f a i t h  t o
     c o r r e c t  t h e  p r o b l e m  w i t h  t h e  m e r c h a n t ,  y o u  m a y  h a v e  t h e  r i g h t  n o t  t o  p a y  t h e  r e m a i n i n g  a m o u n t  d u e  o n  t h e  p u r c h a s e .
     To  u s e  t h i s  r i g h t ,  a l l  o f  t h e  f o l l o w i n g  m u s t  b e  t r u e :
     1 .  T h e  p u r c h a s e  m u s t  h a v e  b e e n  m a d e  i n  y o u r  h o m e  s t a t e  o r  w i t h i n  1 0 0  m i l e s  o f  y o u r  c u r r e n t  m a i l i n g  a d d r e s s ,  a n d  t h e  p u r c h a s e  p r i c e
     m u s t  h a v e  b e e n  m o r e  t h a n  $ 5 0 .  ( N o t e :  N e i t h e r  o f  t h e s e  a r e  n e c e s s a r y  i f  y o u r  p u r c h a s e  w a s  b a s e d  o n  a n  a d v e r t i s e m e n t  w e  m a i l e d  t o
     y o u ,  o r  i f  w e  o w n  t h e  c o m p a n y  t h a t  s o l d  y o u  t h e  g o o d s  o r  s e r v i c e s . )
     2 .  Yo u  m u s t  h a v e  u s e d  y o u r  c r e d i t  c a r d  f o r  t h e  p u r c h a s e .  P u r c h a s e s  m a d e  w i t h  c a s h  a d v a n c e s  f r o m  a n  AT M  o r  w i t h  a  c h e c k  t h a t
     a c c e s s e s  y o u r  c r e d i t  c a r d  a c c o u n t  d o  n o t  q u a l i f y.
     3 .  Yo u  m u s t  n o t  y e t  h a v e  f u l l y  p a i d  f o r  t h e  p u r c h a s e .
     I f  a l l  o f  t h e  c r i t e r i a  a b o v e  a r e  m e t  a n d  y o u  a r e  s t i l l  d i s s a t i s f i e d  w i t h  t h e  p u r c h a s e ,  c o n t a c t  u s  i n  w r i t i n g a t  t h e  a d d r e s s  f o r  B i l l i n g  E r r o r s
     o n  t h e  S u m m a r y.
     W h i l e  w e  i n v e s t i g a t e ,  t h e  s a m e  r u l e s  a p p l y  t o  t h e  d i s p u t e d  a m o u n t  a s  d i s c u s s e d  a b o v e .  A f t e r  w e  f i n i s h  o u r  i n v e s t i g a t i o n ,  w e  w i l l  t e l l  y o u
     o u r  d e c i s i o n .  A t  t h a t  p o i n t ,  i f  w e  t h i n k  y o u  o w e  a n  a m o u n t  a n d  y o u  d o  n o t  p a y,  w e  m a y  r e p o r t  y o u  a s  d e l i n q u e n t .
     P r i c i n g  A d d e n d u m
      I n t e r e s t  R a t e s  a n d
      I n t e r e s t  C h a r g e s
       A n n u a l  P e r c e n t a g e  R a t e
                              2 8 . 9 9 %
       ( A P R )  f o r  P u r c h a s e s
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       H o w  t o  Av o i d  P a y i n g Yo u r  d u e  d a t e  i s  a t  l e a s t  2 5  d a y s  a f t e r  t h e  c l o s e  o f  e a c h  b i l l i n g  p e r i o d .  W e  w i l l  n o t  c h a r g e
       I n t e r e s t        y o u  i n t e r e s t  o n  p u r c h a s e s  i f  y o u  p a y  y o u r  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e  e a c h  m o n t h .  I f
                              y o u  d o  n o t , y o u  w i l l  n o t  g e t  a  g r a c e  p e r i o d  o n  p u r c h a s e s  a g a i n  u n t i l  y o u  p a y  t h e  e n t i r e
                              b a l a n c e  b y  t h e  d u e  d a t e  f o r  t w o  b i l l i n g  p e r i o d s  i n  a  r o w.
       M i n i m u m  I n t e r e s t
                              I f  y o u  a r e  c h a r g e d  i n t e r e s t ,  t h e  c h a r g e  w i l l  b e  n o  l e s s  t h a n  $ 2  p e r  c r e d i t  p l a n .
       C h a r g e
      F e e s
       A n n u a l  F e e     N o n e
       P e n a l t y  F e e s
                              U p  t o  $ 4 0
       �  L a t e  P a y m e n t
                              U p  t o  $ 4 0
       �  R e t u r n e d  P a y m e n t
       B a l a n c e  C o m p u t a t i o n
                              W e  u s e  a  m e t h o d  c a l l e d  " d a i l y  b a l a n c e  ( i n c l u d i n g  c u r r e n t  t r a n s a c t i o n s ) . "
       M e t h o d
       P l e a s e  r e v i e w  t h e  I m p o r t a n t  I n f o r m a t i o n  a n d
       Te r m s  a b o u t  o p e n i n g  a n  a c c o u n t  p r i o r  t o
       s u b m i t t i n g  y o u r  a p p l i c a t i o n .
       To apply you must:
           Be at the age of majority in your state or territory;
           Have a valid government-issued photo ID;
           Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance
           Number (SIN);
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           Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.
       You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by
       Gardner-White Furniture.
       I m p o r t a n t  I n f o r m a t i o n  a b o u t  O p e n i n g  a n  A c c o u n t
       To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions
       to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open
       an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask
       for your driver's license or other identifying documents.
       California Residents:
           If you are married, you may apply for a separate account.
       Ohio Residents:
           The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and
           that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
           Commission administers compliance with this law.
       New York, Rhode Island and Vermont Residents:
           We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of
           credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.
           You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.
       Wisconsin Residents:
           No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court
           order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the
           time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse
           provision when the obligation to the Bank is incurred.
     If you have been preapproved, see below for details of your offer.
       You can choose to stop receiving �prescreened� offers of credit from this and other companies by calling
       toll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened
       offers.
          PRESCREEN & OPT-OUT NOTICEThis �prescreened� offer of credit is based on information in your credit report indicating
          that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive
          prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688;
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          or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123,
          Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-
          0495.
     Important Information for Covered Borrowers under the Military Lending Act
     For New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to
     extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may
     not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs
     associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee
     charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than
     certain participation fees for a credit card account)
     To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888-
     819-1918).
     I am applying to Comenity Capital Bank for, and hereby request, a Gardner-White Furniture Credit Card account for personal, family or
     household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true
     and correct. I agree that a credit report may be obtained for any lawful purpose, including in connection with the processing of an
     application, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a
     consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished
     the report. I agree to be bound by the terms of the Gardner-White Furniture Credit Card account account agreement. I acknowledge that
     I will receive a Gardner-White Furniture Credit Card account account agreement upon approval. I also acknowledge that there is no
     agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the
     Gardner-White Furniture Credit Card account account agreement at its office in Utah and that the Gardner-White Furniture Credit Card
     account account agreement is deemed to be made in Utah. Credit Card are issued and credit is extended by Comenity Capital Bank,
     Salt Lake City, Utah.
     Please note:
     By submitting this credit application, you are agreeing to the following with respect to certain consumer information about
     you.
     You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Gardner-White Furniture
     Credit Card account. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit
     bureaus, other creditors and Gardner-White Furniture Credit Card account.
     Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date of
     birth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate,
     Fee and Other Cost Information and, if approved, agreeing to be bound by them.
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       F i n a n c i a l  P r i v a c y  P o l i c y
       http://www.comenity.net/gardner-white/images/privacy.pdf (PDF)
       You need Adobe Reader to view PDF files. You may download it for free from Adobe.
                                 W H AT D O E S C O M E N I T Y D O W I T H Y O U R P E R S O N A L
               FA C T S
                                 I N F O R M AT I O N ?
                                 F i n a n c i a l  c o m p a n i e s  c h o o s e  h o w  t h e y  s h a r e  y o u r  p e r s o n a l  i n f o r m a t i o n .  F e d e r a l
                                 l a w  g i v e s  c o n s u m e r s  t h e  r i g h t  t o  l i m i t  s o m e  b u t  n o t  a l l  s h a r i n g .  F e d e r a l  l a w  a l s o
                W h y ?
                                 r e q u i r e s  u s  t o  t e l l  y o u  h o w  w e  c o l l e c t ,  s h a r e ,  a n d  p r o t e c t  y o u r  p e r s o n a l
                                 i n f o r m a t i o n .  P l e a s e  r e a d  t h i s  n o t i c e  c a r e f u l l y  t o  u n d e r s t a n d  w h a t  w e  d o .
                                 T h e  t y p e s  o f  p e r s o n a l  i n f o r m a t i o n  w e  c o l l e c t  a n d  s h a r e  d e p e n d  o n  t h e  p r o d u c t  o r
                                 s e r v i c e  y o u  h a v e  w i t h  u s .  T h i s  i n f o r m a t i o n  c a n  i n c l u d e : 
                W h a t ?
                                     S o c i a l  S e c u r i t y  n u m b e r  a n d  i n c o m e 
                                     A c c o u n t  b a l a n c e s  a n d  t r a n s a c t i o n  h i s t o r y 
                                     C r e d i t  h i s t o r y  a n d  c r e d i t  s c o r e s
                H o w ?          A l l  f i n a n c i a l  c o m p a n i e s  n e e d  t o  s h a r e  c u s t o m e r s '  p e r s o n a l  i n f o r m a t i o n  t o  r u n  t h e i r
                                 e v e r y d a y  b u s i n e s s .  I n  t h e  s e c t i o n  b e l o w,  w e  l i s t  t h e  r e a s o n s  f i n a n c i a l  c o m p a n i e s
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                                 c a n  s h a r e  t h e i r  c u s t o m e r s '  p e r s o n a l  i n f o r m a t i o n ;  t h e  r e a s o n s  C o m e n i t y  c h o o s e s  t o
                                 s h a r e ;  a n d  w h e t h e r  y o u  c a n  l i m i t  t h i s  s h a r i n g .
                                                                              D o e s
                                                                                         C a n y o u l i m i t
             R e a s o n s w e c a n s h a r e y o u r p e r s o n a l i n f o r m a t i o n C o m e n i t y
                                                                                         t h i s s h a r i n g ?
                                                                             s h a r e ?
         F o r  o u r  e v e r y d a y  b u s i n e s s  p u r p o s e s - s u c h  a s  t o  p r o c e s s  y o u r
         t r a n s a c t i o n s ,  m a i n t a i n  y o u r  a c c o u n t  ( s ) ,  r e s p o n d  t o  c o u r t  o r d e r s  a n d Ye s N o
         l e g a l  i n v e s t i g a t i o n s ,  o r  r e p o r t  t o  c r e d i t  b u r e a u s
         F o r  o u r  m a r k e t i n g  p u r p o s e s -  s u c h  a s  t o  o f f e r  o u r  p r o d u c t s  a n d  s e r v i c e s
                                                                               Ye s            N o
         t o  y o u
         F o r  j o i n t  m a r k e t i n g  w i t h  o t h e r  f i n a n c i a l  c o m p a n i e s Ye s N o
         F o r  o u r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                                                               Ye s            N o
         t r a n s a c t i o n s  a n d  e x p e r i e n c e s
         F o r  o u r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                                                               Ye s            Ye s
         c r e d i t w o r t h i n e s s
         F o r  o u r  a f f i l i a t e s  t o  m a r k e t  t o  y o u       Ye s            Ye s
         F o r  n o n a f f i l i a t e s  t o  m a r k e t  t o  y o u        Ye s            Ye s
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            To l i m i t o u r   O u r  m e n u  w i l l  p r o m p t  y o u  t h r o u g h  y o u r  c h o i c e s : 
               s h a r i n g
                                     C o m e n i t y  B a n k  c u s t o m e r s :  C a l l  1 - 8 0 0 - 2 2 0 - 11 8 1 ( T D D / T T Y  1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) 
                                     C o m e n i t y  C a p i t a l  B a n k  c u s t o m e r s :  C a l l  1 - 8 7 7 - 2 8 7 - 5 0 1 2 ( T D D / T T Y  1 - 8 8 8 - 8 1 9 -
                                     1 9 1 8 ) 
                                 P l e a s e  n o t e : 
                                 I f  y o u  a r e  a  n e w  c u s t o m e r,  w e  c a n  b e g i n  s h a r i n g  y o u r  i n f o r m a t i o n  3 0  d a y s  f r o m
                                 t h e  d a t e  w e  s e n t  t h i s  n o t i c e .  W h e n  y o u  a r e  n o  l o n g e r  o u r  c u s t o m e r,  w e  c o n t i n u e
                                 t o  s h a r e  y o u r  i n f o r m a t i o n  a s  d e s c r i b e d  i n  t h i s  n o t i c e . 
                                 H o w e v e r,  y o u  c a n  c o n t a c t  u s  a t  a n y  t i m e  t o  l i m i t  o u r  s h a r i n g .
             Q u e s t i o n s ? C a l l  1 - 8 6 6 - 4 2 3 - 1 0 9 7
         W h o w e a r e
         W h o  i s  p r o v i d i n g  t h i s T h i s  p r i v a c y  n o t i c e  i s  p r o v i d e d  b y  t h e  C o m e n i t y  f a m i l y  o f  c o m p a n i e s ,  i n c l u d i n g
         n o t i c e ?           C o m e n i t y  B a n k  a n d  C o m e n i t y  C a p i t a l  B a n k .
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         W h a t w e d o
         H o w  d o e s  C o m e n i t y To  p r o t e c t  y o u r  p e r s o n a l  i n f o r m a t i o n  f r o m  u n a u t h o r i z e d  a c c e s s  a n d  u s e ,  w e  u s e
         p r o t e c t  m y  p e r s o n a l s e c u r i t y  m e a s u r e s  t h a t  c o m p l y  w i t h  f e d e r a l  l a w.  T h e s e  m e a s u r e s  i n c l u d e  c o m p u t e r
         i n f o r m a t i o n ? s a f e g u a r d s  a n d  s e c u r e d  f i l e s  a n d  b u i l d i n g s .
                                 W e  c o l l e c t  y o u r  p e r s o n a l  i n f o r m a t i o n ,  f o r  e x a m p l e ,  w h e n  y o u 
                                     o p e n  a n  a c c o u n t  o r  p r o v i d e  a c c o u n t  i n f o r m a t i o n 
         H o w  d o e s  C o m e n i t y
                                     g i v e  u s  y o u r  i n c o m e  i n f o r m a t i o n 
         c o l l e c t  m y  p e r s o n a l
                                     u s e  y o u r  c r e d i t  o r  s h o w  y o u r  d r i v e r ' s  l i c e n s e 
         i n f o r m a t i o n ?
                                 W e  a l s o  c o l l e c t  y o u r  p e r s o n a l  i n f o r m a t i o n  f r o m  o t h e r s ,  s u c h  a s  c r e d i t  b u r e a u s ,
                                 a f f i l i a t e s ,  o r  o t h e r  c o m p a n i e s .
                                 F e d e r a l  l a w  g i v e s  y o u  t h e  r i g h t  t o  l i m i t  o n l y 
                                     s h a r i n g  f o r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                     c r e d i t w o r t h i n e s s 
         W h y  c a n ' t  I  l i m i t  a l l
                                     a f f i l i a t e s  f r o m  u s i n g  y o u r  i n f o r m a t i o n  t o  m a r k e t  t o  y o u 
         s h a r i n g ?
                                     s h a r i n g  f o r  n o n a f f i l i a t e s  t o  m a r k e t  t o  y o u 
                                 S t a t e  l a w s  a n d  i n d i v i d u a l  c o m p a n i e s  m a y  g i v e  y o u  a d d i t i o n a l  r i g h t s  t o  l i m i t
                                 s h a r i n g .  S e e  b e l o w  f o r  m o r e  o n  y o u r  r i g h t s  u n d e r  s t a t e  l a w.
         W h a t  h a p p e n s  w h e n  I Yo u r  c h o i c e s  w i l l  a p p l y  t o  e v e r y o n e  o n  y o u r  a c c o u n t .
         l i m i t  s h a r i n g  f o r  a n
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         a c c o u n t  I  h o l d  j o i n t l y
         w i t h  s o m e o n e  e l s e ?
         D e f i n i t i o n s
                                 C o m p a n i e s  r e l a t e d  b y  c o m m o n  o w n e r s h i p  o r  c o n t r o l .  T h e y  c a n  b e  f i n a n c i a l  a n d
                                 n o n f i n a n c i a l  c o m p a n i e s . 
         A f f i l i a t e s
                                     O u r  a f f i l i a t e s  i n c l u d e  c o m p a n i e s  w i t h  a  C o m e n i t y  n a m e ;  f i n a n c i a l  c o m p a n i e s
                                     s u c h  a s  C o m e n i t y  C a p i t a l  B a n k  a n d  C o m e n i t y  B a n k ,  o t h e r  C o m e n i t y  e n t i t i e s ;
                                     n o n f i n a n c i a l  c o m p a n i e s  s u c h  a s  E p s i l o n ,  A l l i a n c e  D a t a ,  a n d  L o y a l t y O n e .
                                 C o m p a n i e s  n o t  r e l a t e d  b y  c o m m o n  o w n e r s h i p  o r  c o n t r o l .  T h e y  c a n  b e  f i n a n c i a l
                                 a n d  n o n f i n a n c i a l  c o m p a n i e s . 
         N o n a f f i l i a t e s
                                     N o n a f f i l i a t e s  w e  s h a r e  w i t h  c a n  i n c l u d e  f i n a n c i a l  s e r v i c e  p r o v i d e r s ,  r e t a i l e r s ,
                                     d i r e c t  m a r k e t e r s ,  p u b l i s h e r s  a n d  n o n p r o f i t  o r g a n i z a t i o n s .
                                 A  f o r m a l  a g r e e m e n t  b e t w e e n  n o n a f f i l i a t e d  f i n a n c i a l  c o m p a n i e s  t h a t  t o g e t h e r
                                 m a r k e t  f i n a n c i a l  p r o d u c t s  o r  s e r v i c e s  t o  y o u . 
         J o i n t  m a r k e t i n g
                                     O u r  j o i n t  m a r k e t i n g  p a r t n e r s  m a y  i n c l u d e  l e n d e r s  a n d  i n s u r a n c e  c o m p a n i e s .
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    6/7/2021                                Gardner-white Credit Card - Legal Docs - Credit Card Agreement
         O t h e r i m p o r t a n t i n f o r m a t i o n
         W e  a l s o  w i l l  c o m p l y  w i t h  m o r e  r e s t r i c t i v e  s t a t e  l a w s  t o  t h e  e x t e n t  t h a t  t h e y  a p p l y ;  f o r  e x a m p l e ,  Ve r m o n t  o r
         C a l i f o r n i a .
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