Your Gardner White Furniture Credit Card account agreement.           83294I017 (05/14)
 HP	0514-733;	PO	#0094016412;	Overall	Size:	9	panel.	8.5	x	29.75,	Paper:	40	#	Finch	opaque	smooth,	Color:	Black	both	sides,	Font	Size	used:	CCA	8pt,	Privacy	10pt	&	12pt;	10pt	type	in	boxes;	12pt	headers	and	16pt	APR;	Fonts	used:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no2,	bold	no2	oblique),	Zapf	Dingbats.
   This	Agreement	covers	the	Terms	and	Conditions	of	your	account	
                                            Reporting a lost or stolen card (as applicable)
   with us. In this document, you will ?nd important information 
                                            If you notice the loss or theft of your credit card or a possible unauthorized use 
   about	 using	 and	 managing	 your	 account,	 including	 a	 Privacy	 of your card, you should write to us immediately at PO Box 183003, Columbus, 
   Statement	and	information	concerning	your	billing	rights.	Your	 Ohio 43218-3003 or call us at 1-866-327-4367  (TDD/TTY: 1-888-819-1918). 
   use of the account, or failure to close the account within the  You will not be liable for any unauthorized use that occurs after you notify us.  You 
   30	days	of	receiving	this	document,	indicates	your	acceptance	 may, however, be liable for unauthorized use that occurs before your notice to us. 
   of	the	terms	of	this	agreement,	including	the	assessment	of	any	 In any case, your liability will not exceed $50.
   interest	charges	and	fees.               C. Learning more about your account
   Section I of this Agreement also includes a Jury Trial Waiver and  Credit Plans
   an Arbitration Provision in the event of a dispute. �	 Your	Account	may	consist	of	a	non-promotional	(�Regular	Revolving�)	Credit	
   �	 You have a right to reject this Arbitration Provision. Plan and one or more promotional Credit Plans. Credit Plans offered and 
                                               their	particular	features	(including	but	not	limited	to	minimum	purchase	re-
   �	 If you do not reject this Arbitration Provision, it will be part 
                                               quirements and minimum payment) may vary occasionally at our discretion 
     of this Agreement and will:               and	include	one	or	more	Regular	Revolving	or	promotional	Credit	Plans.
     o  Eliminate your right to a trial by jury; and �	 We	may	offer	different	promotional	Credit	Plans	from	time	to	time.
     o  Substantially affect your rights, including your right to  �	 If	a	promotional	Credit	Plan	is	offered	at	the	time	you	open	your	Account,	
        bring, join in or participate in class proceedings. this	Agreement	will	include	information	about	the	terms	for	the	Plan,	by	use	
   Please	read	each	section	carefully	and	keep	this	document	for	 of an insert, attachment, or other written information provided as part of this 
                                               Agreement.
   your records.
                                            �	 Normal	late	fees,	returned	payment	fees	and	all	other	provisions	apply	to	
   In the following sections, you will ?nd information on: any promotional Credit Plan, unless inconsistent with a particular Credit 
   Financial terms of your account:	An	at-a-glance	summary	of	the	fees	and	charges	 Plan	offering.
   associated with your account             �	 If	the	promotional	Credit	Plan	purchase	isn�t	paid	in	full	before	the	promo-
   A.  Getting started: the basics of your account tional	period	ends,	the	balance	will	be	transferred	to	your	Regular	Revolving	
                                               balance.
   B.  Keeping your account in good standing:	avoiding	default,	and	what	to	do	if	
                                            �	 Promotional	Credit	Plans	may	include:
     your card is lost or stolen, as applicable
                                               o	 Waive	Interest,	Payment	Required	 o	 Defer	Interest,	Payment	Required
   C.  Learning more about your account: credit plans, and credit limits, and how 
                                               o	 Waive	Interest,	Equal	Payment	 o	 Defer	Interest,	Low	Payment
     payments are calculated and applied       o	 Waive	Interest,	Low	Payment	 o	 Low	APR,	Equal	Payment
   D.  Interest, fees and charges: when and how fees and costs are applied to your  o	 Defer	Interest,	Equal	Payment	 o	 Budget	Payment
     account                                Skip-payment option
   E.  Other important information:	 legal	 rights,	 costs,	 and	 how	 we�ll	 handle	 �	 At	our	discretion,	we	may	allow	you	to	skip	making	the	Minimum	Payment.
     changes	to	your	account                �	 Interest	Charges	will	be	assessed	during	the	skip-payment	period,	but	a	late	
   F.  Disputes and reporting to consumer reporting agencies: data we provide,  fee	won�t	be	imposed.		This	will	not	be	considered	a	waiver	of	any	of	the	
     and	receive	from,	consumer	reporting	agencies,	and	what	to	do	if	you	think	 rights	granted	by	this	Agreement.
                                            �	 All	other	terms	of	your	Account	apply	during	the	skip-payment	period.
     there is an error on your periodic statement
                                            Credit limit
   G.  Optional products: how to protect your account from fraud or theft, and 
                                            �	 Your	Credit	Limit	is	the	total	maximum	amount	we	permit	you	to	owe	us	at	
     information	on	services	that	can	help	pay	your	debt	in	case	of	emergencies
                                               any time.
   H.  Communicating with us: what happens when you contact us
                                            �	 You	may	not	exceed	any	Credit	Limit	that	we	set	for	your	Account.
   I.  Arbitration and jury trial waiver:	how	we�ll	resolve	disagreements,	including	 �	 If	you	do	exceed	your	Credit	Limit,	we	can	still	charge	you	for	all	transac-
     a	jury	trial	waiver	and	Arbitration	provision tions,	interest	and	other	charges	without	giving	up	any	of	our	rights	under	
   Privacy statement: how we collect, use, share, and protect your personal informa- this	Agreement.
   tion;	and	the	privacy	choices	you	can	make. �	 We	may	change	your	Credit	Limit	at	any	time.
                                            Account cancellation
   Financial terms of your account
                                            �	 You	may	cancel	your	Account.	You�re	still	obligated	to	pay	the	full	amount	
   Interest Rates and Interest Charges         you owe us.
                                            �	 We	may	cancel	your	Account	at	any	time,	for	any	reason.
   Annual Percentage                        �	 We	may	refuse	to	authorize	any	purchase	on	your	Account.	We	may	also	
                28.99%
   Rate (APR) for                              suspend	your	Account	and	your	right	to	use	your	Card,	including	each	Card	
                                               you	give	to	others.
   Purchases
                                            �	 We	may	stop	offering	any	Credit	Plan	at	any	time,	for	any	reason.
                                            �	 Cancellation	or	suspension	of	your	Account	doesn�t	negate	your	obligation	to	
                We	will	begin	charging	interest	on	
   Paying Interest                             pay any amount you owe us.
                purchases on the transaction date.
                                            �	 Cancellation	of	your	Account	includes	each	Card	you	give	to	others.
                                            Minimum Payment
   Minimum Interest  If	you	are	charged	interest,	the	charge	
   Charge       will be no less than $2.00 per credit  �	 You	can	pay	all	of	your	Account	balance	at	any	time	without	
                                               penalty.
                plan
                                            �	 You	must	pay	at	least	the	Total	Minimum	Payment	for	each	billing	period	by	
   For Credit   To learn more about factors to consider  the Payment Due Date shown on your Statement.
                                            �	 The	Minimum	Payment	is	the	total	of	the	minimum	payments	for	the	Regu-
   Card Tips from  when applying for or using a credit 
                                               lar	Revolving	and	promotional	Credit	Plans	plus	any	Past	Due	amounts.
   the Consumer  card, visit the website of the Consumer 
                                            �	 The	Total	Minimum	Payment	won�t	be	less	than	$25.00.	If	your	Account	
   Financial    Financial Protection Bureau at http:// balance is less than $25.00, you must pay the amount indicated on your 
   Protection Bureau www.consumer?nance.gov/learnmore. Statement in full.
                                            �	 The	minimum	payment	for	each	Credit	Plan	is	calculated	as	follows:
   Fees                                        o	 The	minimum	payments	for	Regular	Revolving	Credit	Plans,	Waive	In-
                                                 terest,	Payment	Required	and	Defer	Interest,	Payment	Required	Credit	
   �	   Annual	Fee   None                        Plans	will	be	the	greater	of:
                                                    (a) $5.00; or
   Penalty Fees                                     (b)	4%	(rounded	to	the	nearest	$1.00)	of	the	New	Balance	shown	
   �	   Late	Payment Up to $35                      on your Statement for that Credit Plan.
   �	   Returned	Payment Up to $35             o	 The	minimum	payment	for	the	Waive	Interest,	Equal	Payment	and	De-
                                                 fer	Interest,	Equal	Payment	Credit	Plans	will	be	the	amount	of	the	pur-
   How We Will Calculate Your Balance:	We	use	a	method	called	 chase divided by the number of months between the date of the pur-
   �daily	balance.�	See	your	Account	agreement	for	more	details. chase and the promotional period end date (minimum $5.00) rounded 
                                                 up to the nearest $1.00.
   Billing Rights:	Information	on	your	rights	to	dispute	transactions	
                                               o	 The	minimum	payment	for	the	Low	APR,	Equal	Payment	Credit	Plan	
   and	how	to	exercise	those	rights	is	provided	in	your	account	 will	be	the	amount	of	the	purchase	including	the	calculated	interest	
   agreement.                                    charges	that	will	be	assessed	from	the	date	of	purchase	through	the	
                                                 end of the promotional period divided by the number of months be-
   Rate Information:	The	following	chart	provides	details	on	your	rate	as	of	June	1,	 tween the date of the purchase and the promotional period end date 
   2014.	We	divide	the	APR	by	365	to	determine	the	daily	periodic	rate. (minimum $5.00) rounded up to the nearest $1.00.
                                               o	 The	minimum	payment	for	the	Waive	Interest,	Low	Payment	and	Defer	
                APR        Daily	Periodic	Rate   Interest,	Low	Payment	Credit	Plans	will	be	the	greater	of:
                                                    (a) $5.00 or
   Purchase	APR 28.99%     0.07942%                 (b)	 1.0%	 (rounded	 to	 the	 nearest	 $1.00)	 of	 the	 New	 Balance	
   We�ll	charge	you	a	minimum	interest	charge	of	$2.00	per	credit	plan	for	any	bill- shown on your Statement for that Credit Plan.
   ing	period	in	which	interest	is	due.     Payment application
   Minimum Payment:                         �	 We	reserve	the	right	to	apply	payments	equal	to	or	less	than	the	Total	Mini-
   The	amount	you	must	pay	each	billing	period	(�Total	Minimum	Payment�)	is	the	 mum Payment however we see ?t, which may result in balances subject to 
   total	of	minimum	payments	for	Regular	Revolving	and	promotional	Credit	Plan	 lower	interest	rates	being	paid	prior	to	other	balances.	This	may	also	result	
   purchases	plus	any	Past	Due	amounts.	The	Total	Minimum	Payment	won�t	be	 in	higher	interest	charges.
   less	than	$25.00.	If	your	Account	balance	is	less	than	$25.00,	you	must	pay	the	 �	 Any	payment	you	make	in	excess	of	the	required	Total	Minimum	Payment	
   amount	indicated	on	your	billing	statement	(�Statement�)	in	full.	The	minimum	 will	be	allocated	to	your	Account	as	required	by	applicable	law.
   payment	due	for	each	Regular	Revolving	Credit	Plan	will	be	the	greater	of:	 �	 Excess	payments	received	before	a	deferred	interest	promotion	expires	are	
          (a) $5.00; or                        applied to the deferred interest promotional balance ?rst in the last two bill-
          (b)	4%	of	the	New	Balance	shown	on	your	Statement	for	that	 ing	periods	of	the	promotional	period.
          Credit Plan (rounded to the nearest $1.00).  D. Interest, fees and charges
   See	Minimum	Payment	in	Section	C	below	for	promotional	credit	plan	minimum	
                                            Interest charges
   payment calculations. 
                                            �	 We	will	begin	to	charge	Interest	charges	on	new	purchases	made	under	a	
   The	APR	information	described	below	is	accurate	as	of	June	1,	2014.		To	?nd	out	
                                               Regular	Revolving	Credit	Plan	from	the	date	of	purchase.	If	the	New	Bal-
   more, call us at 1-866-327-4367  (TDD/TTY: 1-888-819-1918), or write us at 
                                               ance	shown	on	your	last	Statement	isn�t	paid	in	full	by	the	Payment	Due	
   Comenity	Capital	Bank,	PO	Box	183003,	Columbus,	Ohio	43218-3003	or	visit	
                                               Date	shown	on	your	last	Statement,	there	will	be	an	Interest	Charge	on	each	
   our	website	at	comenity.net/gardner-white.
                                               purchase from the date of purchase.
   A. Getting Started                       �	 If	the	New	Balance	shown	on	your	last	Statement	isn�t	paid	in	full	by	the	
   De?nitions                                  Payment Due Date shown on your last Statement, there will be an interest 
   In	this	Agreement,	�We,�	�Us�	and	�Our�	mean	Comenity	Capital	Bank.	�You�	 charge	on	each	purchase	from	the	date	of	purchase.
   and	�Your�	mean	each	person	who	submits	an	application	or	solicitation	for	an	 �	 If	 you	 make	 a	 purchase	 under	 any	 Waive	 Interest	 Credit	 Plan,	 we	 won�t	
   Account	 with	 us.	 �Account�	 means	 your	 credit	 card	 account	 with	 us.	 �Card�	 charge	interest	on	the	purchase	if	you	pay	the	total	purchase	amount	be-
   means	each	credit	card	we	issue	for	your	Account,	as	applicable.	�Credit	Plan�	 fore	the	end	of	the	promotional	period.	If	you	don�t	pay	the	total	purchase	
   means	one	or	more	payment	program	options	Gardner	White	Furniture	may	ask	 amount	before	the	end	of	the	promotional	period,	we�ll	add	the	remaining	
   us to offer from time to time.              amount	to	your	Regular	Revolving	balance.	We�ll	also	begin	charging	inter-
   Upholding your Agreement                    est on the purchase from the ?rst day after the promotional period ends.
   �	 You	agree	to	the	terms	of	this	Agreement,	and	promise	to	do	everything	 �	 If	you	make	a	purchase	under	any	Defer	Interest	Promotional	Credit	Plan	
     required	of	you.	If	you	sign	or	submit	an	application	or	solicitation	to	obtain	 and	don�t	pay	the	total	amount	before	the	end	of	the	promotional	period,	
     credit	from	us,	you�ll	be	legally	bound	by	this	Agreement.	You�re	also	legally	 we�ll	add	the	remaining	purchase	amount	and	the	amount	of	accrued	inter-
     bound	if	you	sign	a	charge	slip,	or	permit	someone	else	to	use	the	credit	 est	to	your	Regular	Revolving	balance.
     provided.                              �	 If	 you	 make	 a	 purchase	 under	 a	 Low	 APR,	 Equal	 Payment	 Credit	 Plan,	
   �	 You	agree	that	the	credit	extended	under	your	Account	will	be	used	only	for	 interest	will	be	assessed	from	the	date	of	purchase	through	the	end	of	the	
     personal, family or household purposes and not for business or commercial  promotional period.
     purpose.                               How we calculate Interest Charges on your Account
   �	 If	the	Account	is	a	joint	Account,	you	and	the	joint	Account	holder	will	be	 We	calculate	interest	separately	for	each	Credit	Plan,	using	a	�Daily	Balance�	to	
     bound	by	this	Agreement.	Each	of	you	will	be	jointly	and	individually	respon- determine	interest	charges	for	each	billing	period.	Our	calculation	method	is	as	
     sible	for	repaying	all	amounts	due.		If	more	than	one	person	is	responsible	 follows:
     for	this	Account,	we	will	only	provide	billing	statements	and	communica- �	 We	start	with	the	beginning	balance	on	your	Account	each	day	(including	
     tions to one of you.                      unpaid	interest	charges	and	fees).
   �	 Any	authorized	user	of	your	Account	will	be	bound	by	the	terms	of	this	 �	 We	subtract	any	payments	or	credit	adjustments	(treating	any	net	credit	
     Agreement.	One	additional	Card	may	be	issued	with	the	individual	name	of	 balance as a zero balance) and add new transactions and debit adjustments 
     an	authorized	user	embossed	on	the	Card.	If	you	want	to	revoke	the	use	of	 posted	as	of	that	day.	This	gives	us	the	�Partial	Daily	Balance�	for	the	day.
     your	Account	by	an	authorized	user,	either	write	us	at	the	address,	or	call	us	 �	 We	then	multiply	the	Partial	Daily	Balance	for	the	day	by	the	Daily	Periodic	
     at the phone number, shown on your Statement. Rate.	This	gives	us	the	�Daily	Interest	Charge�	for	the	day,	which	we	add	to	
   �	 You	agree	to	pay	for	all	transactions	made	on	your	Account	by	an	authorized	 the	day�s	Partial	Daily	Balance.
     user, whether or not such transactions were authorized by you or made for  �	 We�ve	now	determined	the	�Daily	Balance,�	which	will	be	the	beginning	
     your bene?t.                              balance	for	the	following	day.	This	results	in	daily	compounding	of	interest	
   Card signature (as applicable)              charges.
   For	your	own	protection,	please	sign	your	Card	before	using	it.	Keep	in	mind	that	 �	 At	the	end	of	each	billing	period,	we	add	together	each	Credit	Plan�s	Daily	
   your	signature	on	the	Card	isn�t	a	prerequisite	to	your	obligation	to	pay	amounts	 Interest	Charge,	which	gives	us	the	total	interest	charge.
   incurred	on	your	Account.                �	 Your	Statement	will	show	a	Balance	Subject	to	Interest	Rate,	which	is	the	
   Using your Account                          sum	of	the	Daily	Balances	for	each	day	in	the	billing	period	divided	by	the	
                                               total number of days.
   �	 Your	Account	may	be	used	to	make	purchases	from	Gardner	White	Furniture	
                                            Other fees and charges
     and	other	retailers	we	may	determine	occasionally	by	notifying	you	via	elec-
     tronic	mail,	statement	message,	website	posting,	or	other	method. You	agree	to	pay	the	following	fees	and	charges:
   �	 We	reserve	the	right	to	not	honor	transactions	related	to,	including,	but	not	 �	 Late Fee:	If	you	don�t	pay	at	least	the	Minimum	Payment	Due	by	the	Pay-
     limited	to,	gambling,	ATM	usage	at	casinos,	and	illegal	activities. ment	Due	Date,	we	will	charge	you	a	late	fee.
   Making payments                            o	 The	fee	is	$25.00	if	you	were	not	charged	a	late	fee	during	any	of	the	
                                                 prior	six	billing	periods.
   �	 Pay	your	Account	by	sending	a	check,	money	order,	or	cashier�s	check	pay-
                                              o  Otherwise, the fee is $35.00.
     able in U.S. dollars, to the name and address shown on your Statement 
                                              o  This fee will never exceed the minimum payment due that was due 
     speci?ed	for	payments.	Please	don�t	send	cash.
                                                 immediately prior to the date on which the fee was assessed.
   �	 Be	sure	to	include	your	payment	stub,	do	not	staple	your	payment	to	the	
                                            �	 Returned Payment Fee:	We	may	charge	you	a	fee	for	each	payment	that	your	
     stub,	use	the	envelope	provided	with	your	Statement	and	don�t	send	any	
                                              bank	doesn�t	honor	for	any	reason.
     correspondence with your payment.
                                              o	 The	fee	is	$25.00	if	you	were	not	charged	a	returned	payment	fee	dur-
   �	 If	your	payment	doesn�t	meet	these	requirements,	it	may	not	be	credited	to	
                                                 ing	any	of	the	prior	six	billing	periods.
     your	Account	for	up	to	?ve	days,	or	may	be	rejected.
                                              o  Otherwise, the fee is $35.00.
   �	 All	 written	 communications	 concerning	 disputed	 amounts,	 including	 any	
                                              o  This fee will never exceed the minimum payment due that was due 
     check	or	other	payment	instrument	marked	with	�payment	in	full�	or	similar	
                                                 immediately prior to the date on which the fee was assessed.
     language,	must	be	sent	to	6550	North	Loop	1604	East,	Suite	101,	San	
                                            �	 Although	we	may	decide	to	do	so,	we	aren�t	required	to	attempt	to	collect	a	
     Antonio,	Texas	78247-5004.
                                              payment more than once.
     o	 We	may	accept	a	payment	sent	to	any	other	address	without	losing	any	
                                            �	 Document Fees: If we provide you with a copy of any Statement, sales draft 
        of	our	rights.
                                              or	similar	document	at	your	request	(except	in	connection	with	billing	error	
     o	 No	payment	shall	operate	as	an	accord	and	satisfaction	without	our	
                                              inquiries	or	resolution),	we	may	charge	the	Account	the	following	fee(s),	
        prior written approval.
                                              subject to any limitations of applicable law:
   B. Keeping your account in good standing
                                              o  Statement copy - $6.00
   Avoiding default                           o  Sales/Credit Draft copy - $6.00
   You�ll be in default under this Agreement if you: o	 Check/Money	Order	copy	-	$6.00
   �	 Fail	to	make	any	payment	when	due     �	 Alternative Payment Method Fee:	We	may	offer	alternative	payment	meth-
   �	 Violate	any	provision	of	this	Agreement ods	that	allow	you	to	make	individual,	expedited	payments	to	your	Account	
   �	 Pass	away                               over the phone.  If you choose to use this payment method, we may assess 
   �	 Become	the	subject	of	bankruptcy	or	insolvency	proceedings the	current	fee	we	charge	for	this	service,	subject	to	any	limitations	of	ap-
   �	 Supply	us	with	misleading,	false,	incomplete	or	incorrect	information plicable	law.	Currently,	that	fee	is	up	to	$15.00	but	may	change.	We�ll	let	
   �	 Are	unable	or	unwilling	to	perform	the	terms	or	conditions	of	this	Agreement you	know	the	current	fee	before	you	authorize	any	payment(s),	and	you	can	
   �	 Fail	to	supply	us	with	any	information	we	deem	necessary withdraw	your	request	if	you	don�t	want	to	pay	the	fee.
   �	 Default	under	any	other	loan	or	agreement	you	have	with	us	or	any	of	our	 E. Other important information 
     af?liates
                                            Collection costs
   �	 Become	incompetent
                                            To	the	extent	not	prohibited	by	applicable	law,	you	agree	to	pay	the	reasonable	
   �	 Exceed	your	Credit	Limit
                                            costs	for	collecting	amounts	due,	including	reasonable	attorney�s	fees	and	court	
   �	 Issue	a	payment	returned	unpaid	by	your	bank	for	any	reason
                                            costs incurred by us or another person or entity.
   If	we	consider	your	Account	in	default,	we	may	suspend	your	ability	to	make	
                                            Changes
   charges,	close	your	Account,	require	you	to	pay	the	full	amount	you	owe	im-
   mediately	or	take	any	other	action	permitted	by	law.	If	applicable	law	requires	 We	may	add,	change,	or	delete	the	terms	of	your	Account.	If	required	by	appli-
   us	to	do	so,	we�ll	tell	you	in	advance	and/or	give	you	the	opportunity	to	remedy	 cable	law,	we	will	give	you	advance	written	notice	of	the	change(s)	and	a	right	to	
   your default.                            reject	the	change(s).
                         * * * * * * * * * * * * * * * *
    rev.	04/13
                                             No   No No No Yes Yes Yes
                                       Can you limit   this sharing?
                                             Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
                                         share?
                                       Does Comenity 
                        Social	Security	number	and	income Account	balances	and	payment	history Credit	history	and	credit	scores	 Comenity	Bank	customers:	Call	1-800-220-1181	(TDD/TTY	1-800- 695-1788)	�	our	menu	will	prompt	you	through	your	choices. Comenity	Capital	Bank	customers:	Call	1-877-287-5012	(TDD/TTY	 1-888-819-1918)	�	our	menu	will	prompt	you	through	your	choices.
       WHAT DOES COMENITY DO WITH YOUR   PERSONAL INFORMATION? Financial	companies	choose	how	they	share	your	personal	information.		 Federal	law	gives	consumers	the	right	to	limit	some	but	not	all	sharing.	 Federal	law	also	requires	us	to	tell	you	how	we	collect,	share,	and		 protect	your	personal	information.	Please	read	this	notice	carefully	to		 understand	what	we	do.	 The	types	of	personal	information	we	collect	and	share	depend	on	 the	product	or	service	you	have	with	us.	This	information	can	include:	 �	 �	 �	 All	?nancial	companies	need	to	share	customers�	personal	information	 to	run	their	everyday	business.	In	the	section	below,	we	list	the	reasons	 ?nancial	companies	can	share	their	customers�	personal	information;		 the	reasons	Comenity	chooses	to	share;	and	whether	you	can	limit	this	 sharing. �	 �	 Please note: If	you	are	a	new	customer,	we	can	begin	sharing	your	information	30	days	 from	the	date	we	sent	this	notice.	When	you	are	no longer	our	customer,	 we	continue	to	share	your	information	as	described	in	this	notice. However,	you	can	contact	us	at	any	time	to	limit	our	sharing.
                                         information
                                       Reasons we can share your personal  
        FACTS  Why?     What?    How?                                    sharing
                                                                       To limit our  Questions?								Go	to	comenity.net/privacy	or	call	1-866-423-1097
                                           For our everyday business purposes� such	as	to	 process	your	transactions,	maintain	your	account(s),		 respond	to	court	orders	and	legal	investigations,	or	 report	to	credit	bureaus For our marketing purposes�to	offer	our	products	and services	to	you For joint marketing with other financial companies For our affiliates� everyday business purposes� information	about	your	transactions	and	experiences For our affiliates� everyday business purposes� information	about	your	creditworthiness For our affiliates to market to you For nonaffiliates to market to you
                                                                                       CCA	-	Front	-	Common	Privacy	Statement	-	Comenity;			Size:		6.5	x	8.5;	Color:	Black;		 Fonts:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no.2);	Font	sizes:	10pt	&	12pt,	date	8pt
   Security Interest
 HP	0514-733;	PO	#0094016412;	Overall	Size:	9	panel.	8.5	x	29.75,	Paper:	40	#	Finch	opaque	smooth,	Color:	Black	both	sides,	Font	Size	used:	CCA	8pt,	Privacy	10pt	&	12pt;	10pt	type	in	boxes;	12pt	headers	and	16pt	APR;	Fonts	used:	Trade	Gothic	LT	Std	(regular,	oblique,	bold	no2,	bold	no2	oblique),	Zapf	Dingbats. I. Arbitration and jury trial waiver
   You	grant	us	a	security	interest	in	all	goods	you	purchase	through	the	use	of	the	 A. Jury trial waiver
   Account,	now	or	at	any	time	in	the	future	and	in	all	accessions	to	and	proceeds	of	
                                            TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
   such	goods.	We	waive	any	security	interest	we	may	have	in	your	principal	dwell-
                                            TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
   ing,	to	the	extent	that	it	would	otherwise	secure	any	obligation	arising	hereunder.
                                            TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE 
   Changes to your information
                                            ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER 
   You	agree	to	notify	us	immediately	of	any	changes	to	your	name,	mailing	address,	 CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER 
   electronic mail address or telephone number(s). IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY.
   Governing Law                            B. Notice and cure
   THIS	AGREEMENT	IS	GOVERNED	BY	UTAH	AND	APPLICABLE	FEDERAL	LAW.	 Prior	to	bringing	a	lawsuit	or	initiating	an	arbitration	that	asserts	a	claim	aris-
   THIS	IS	THE	LAW	WE	ARE	SPEAKING	OF	WHEN	WE	REFER	TO	A	TERM	PER- ing	out	of	or	related	to	this	Agreement	(as	further	de?ned	below,	a	�Claim�),	
   MITTED	OR	REQUIRED	BY	APPLICABLE	LAW.    the	party	asserting	the	Claim	(the	�Claimant�)	shall	give	the	other	party	(the	
   Transfer of Rights/Assignment            �Defendant�)	written	notice	of	the	Claim	(a	�Claim	Notice�)	and	a	reasonable	
   Your	rights	under	this	Agreement	can�t	be	transferred	by	you,	by	operation	of	law	 opportunity,	not	less	than	30	days,	to	resolve	the	Claim.	Any	Claim	Notice	to	you	
   or	otherwise,	but	your	obligations	will	be	binding	upon	your	estate	or	personal	 shall	be	sent	in	writing	to	the	address	we	have	in	our	records	(or	any	updated	
   representatives.	We	may	transfer	or	assign	your	Account	and/or	this	Agreement,	 address	you	subsequently	provide	to	us).		Any	Claim	Notice	to	us	shall	be	sent	by	
   or	any	of	our	rights	under	this	Agreement,	to	another	person	or	entity	at	any	time	 mail	to	Comenity	Capital	Bank,	PO	Box	182436,	Columbus,	Ohio	43218-2436	
   without prior notice to you or your consent. (or	any	updated	address	we	subsequently	provide).		Any	Claim	Notice	you	send	
   No Waiver of Rights                      must	provide	your	name,	address	and	Account	number.		Any	Claim	Notice	must	
   We	can	delay	enforcing	our	rights	under	this	Agreement	without	losing	them. explain the nature of the Claim and the relief that is demanded.  You may only 
   Severability                             submit	a	Claim	Notice	on	your	own	behalf	and	not	on	behalf	of	any	other	party.	
   If	any	provision	of	this	Agreement	is	in	con?ict	with	applicable	law,	that	provision	 No	third	party,	other	than	a	lawyer	you	have	personally	retained,	may	submit	a	
   will be considered to be modi?ed to conform with applicable law. Claim	Notice	on	your	behalf.		The	Claimant	must	reasonably	cooperate	in	provid-
   Notice to New Jersey Residents           ing	any	information	about	the	Claim	that	the	other	party	reasonably	requests.
   All	provisions	of	this	agreement	are	valid,	enforceable	and	applicable	in	New	 C. Arbitration provision
   Jersey.                                  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
                                            THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE-
   F. Disputes and Reporting to Consumer Reporting Agencies
                                            LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN-
   Credit Reports
                                            TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH 
   �	 You	give	us	permission	to	investigate	your	credit	record. YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
   �	 You	 agree	 that	 a	 credit	 report	 may	 be	 requested	 in	 connection	 with	 the	 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
     processing	of	your	credit	application.	A	report	may	also	be	requested	in	 prior arbitration agreement between you and us (�Prior Arbitration Agreement�)) 
     connection	with	a	credit	extension,	credit	limit	request,	Account	renewal	or	 to apply, you may reject it by mailing us a written rejection notice which gives the 
     update,	Account	collection	action,	or	dispute	investigation.	Upon	request,	 name of each Cardholder and contains a statement that you (both of you, if more 
     we	will	tell	you	the	name	and	address	of	any	consumer	reporting	agency	that	 than one) reject the Arbitration Provision of this Agreement. The rejection notice 
     furnished	a	report	on	you.	You	consent	to	the	obtaining	of	such	reports	by	 must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio 
     signing	or	otherwise	submitting	an	application	or	solicitation. 43218-2422. A rejection notice is only effective if it is signed by you (all of you, 
   �	 You	understand	that	we	may	report	negative	information	(such	as,	late	pay- if more than one) and if we receive it within thirty (30) calendar days after the 
     ments,	missed	payments,	or	other	defaults)	about	your	Account	to	consumer	 date we ?rst provide you with a credit card agreement or written notice providing 
     reporting	agencies.                    you a right to reject this Arbitration Provision. Your rejection of this Arbitration 
   �	 You	give	us	permission	to	provide	information	about	your	Account	to	con- Provision will not affect any other provision of this Agreement or your ability to 
     sumer	reporting	agencies	and	other	creditors,	as	well	as	to	the	retailer	whose	 obtain credit.
     name appears on your Card.             2. Parties Subject to Arbitration:		Solely	as	used	in	this	Arbitration	Provision	
   Credit report disputes                   (and	not	elsewhere	in	this	Agreement),	the	terms	�we,�	�us�	and	�our�	mean	(a)	
   If	you	believe	the	Account	information	we	reported	to	a	consumer	reporting	agen- Comenity	Capital	Bank,	any	parent,	subsidiary	or	af?liate	of	the	Bank	and	the	
   cy	is	inaccurate,	you	may	submit	a	direct	dispute	to	Comenity	Capital	Bank,	PO	 employees,	of?cers	and	directors	of	such	companies	(the	�Bank	Parties�);	and	
   Box 182120, Columbus, Ohio 43218-2120.   (b) any other person or company that provides any services in connection with 
   Your	written	dispute	must	provide	suf?cient	information	to	identify	the	Account	 this	Agreement	if	you	assert	a	Claim	against	such	other	person	or	company	at	the	
   and specify why the information is inaccurate: same	time	you	assert	a	Claim	against	any	Bank	Party.
   �	 Account	Information:		Your	name	and	Account	number 3. Covered Claims:		�Claim�	means	any	claim,	dispute	or	controversy	between	
   �	 Contact	Information:		Your	address	and	telephone	number you	and	us	that	in	any	way	arises	from	or	relates	to	this	Agreement,	the	Account,	
   �	 Disputed	Information:		Identify	the	Account	information	disputed	and	ex- the	issuance	of	any	Card,	any	rewards	program,	any	prior	agreement	or	account.	
     plain why you believe it is inaccurate �Claim�	includes	disputes	arising	from	actions	or	omissions	prior	to	the	date	
   �	 Supporting	Documentation:		If	available,	provide	a	copy	of	the	section	of	the	 any	Card	was	issued	to	you,	including	the	advertising	related	to,	application	for	
     credit	report	showing	the	Account	information	you	are	disputing or	approval	of	the	Account.	�Claim�	has	the	broadest	possible	meaning,	and	
   We	will	investigate	the	disputed	information	and	report	the	results	to	you	within	 includes initial claims, counterclaims, cross-claims and third-party claims. It 
   30	days	of	receipt	of	the	information	needed	for	our	investigation.	If	we	?nd	that	 includes	disputes	based	upon	contract,	tort,	consumer	rights,	fraud	and	other	
   the	Account	information	we	reported	is	inaccurate,	we	will	promptly	provide	the	 intentional	torts,	constitution,	statute,	regulation,	ordinance,	common	law	and	
   necessary	correction	to	each	consumer	reporting	agency	to	which	we	reported	 equity	(including	any	claim	for	injunctive	or	declaratory	relief).	�Claim�	does	not	
   the information.                         include	disputes	about	the	validity,	enforceability,	coverage	or	scope	of	this	Arbi-
   Your Billing Rights: Keep This Document For Future Use tration	Provision	or	any	part	thereof	(including,	without	limitation,	the	prohibition	
   This	notice	tells	you	about	your	rights	and	our	responsibilities	under	the	Fair	 against	class	proceedings,	private	attorney	general	proceedings	and/or	multiple	
   Credit	Billing	Act.                      party	proceedings	described	in	Paragraph	C.7	(the	�Class	Action	Waiver�),	the	
   What To Do If You Find A Mistake On Your Statement last	sentence	of	Paragraph	C.13	and/or	this	sentence);	all	such	disputes	are	for	
   If	you	think	there	is	an	error	on	your	statement,	write	to	us	at:	Comenity	Capital	 a	court	and	not	an	arbitrator	to	decide.	However,	any	dispute	or	argument	that	
   Bank,	PO	Box	182620,	Columbus,	Ohio	43218-2620 concerns	the	validity	or	enforceability	of	the	Agreement	as	a	whole	is	for	the	
   In	your	letter,	give	us	the	following	information: arbitrator, not a court, to decide.
   �	 Account	information:	Your	name	and	account	number. 4. Starting an Arbitration:		Arbitration	may	be	elected	by	any	party	with	respect	
   �	 Dollar	amount:	The	dollar	amount	of	the	suspected	error. to any Claim, even if that party has already initiated a lawsuit with respect to a 
   �	 Description	of	problem:	If	you	think	there	is	an	error	on	your	bill,	describe	 different	Claim.	Arbitration	is	started	by	giving	a	written	demand	for	arbitration	
     what	you	believe	is	wrong	and	why	you	believe	it	is	a	mistake. to	the	other	party.	We	will	not	demand	to	arbitrate	an	individual	Claim	that	you	
   You must contact us:                     bring	against	us	in	small	claims	court	or	your	state�s	equivalent	court,	if	any.	But	
   �	 Within	60	days	after	the	error	appeared	on	your	statement. if that Claim is transferred, removed or appealed to a different court, we then 
   �	 At	least	3	business	days	before	an	automated	payment	is	scheduled,	if	you	 have	the	right	to	demand	arbitration.
     want	to	stop	payment	on	the	amount	you	think	is	wrong. 5. Choosing the Administrator:		�Administrator�	means	the	American	Arbitration	
   You	must	notify	us	of	any	potential	errors	in	writing.	You	may	call	us,	but	if	you	 Association	(�AAA�),	1633	Broadway,	10th	Floor,	New	York,	NY	10019,	www.
   do	we	are	not	required	to	investigate	any	potential	errors	and	you	may	have	to	pay	 adr.org;	 JAMS,	 620	 Eighth	 Avenue,	 34th	 Floor,	 New	 York,	 NY	 10018,	 www.
   the amount in question.                  jamsadr.com;	or	any	other	company	selected	by	mutual	agreement	of	the	par-
   What Will Happen After We Receive Your Letter ties.	If	both	AAA	and	JAMS	cannot	or	will	not	serve	and	the	parties	are	unable	
   When	we	receive	your	letter,	we	must	do	two	things: to	select	an	Administrator	by	mutual	consent,	the	Administrator	will	be	selected	
   1.	Within	30	days	of	receiving	your	letter,	we	must	tell	you	that	we	received	your	 by	a	court.	The	arbitrator	will	be	appointed	by	the	Administrator	in	accordance	
    letter.	We	will	also	tell	you	if	we	have	already	corrected	the	error. with	the	rules	of	the	Administrator.	However,	the	arbitrator	must	be	a	retired	or	
   2.	Within	90	days	of	receiving	your	letter,	we	must	either	correct	the	error	or	 former	judge	or	a	lawyer	with	at	least	10	years	of	experience.	You	get	to	select	the	
    explain to you why we believe the bill is correct. Administrator	if	you	give	us	written	notice	of	your	selection	with	your	notice	that	
   While	we	investigate	whether	or	not	there	has	been	an	error: you	are	electing	to	arbitrate	any	Claim	or	within	20	days	after	we	give	you	notice	
   �	 We	cannot	try	to	collect	the	amount	in	question,	or	report	you	as	delinquent	 that	we	are	electing	to	arbitrate	any	Claim	(or,	if	you	dispute	our	right	to	require	
     on that amount.                        arbitration of the Claim, within 20 days after that dispute is ?nally resolved). 
   �	 The	charge	in	question	may	remain	on	your	statement,	and	we	may	continue	 If	you	do	not	select	the	Administrator	on	time,	we	may	do	it.	Notwithstanding	
     to	charge	you	interest	on	that	amount. any	language	in	this	Arbitration	Provision	to	the	contrary,	no	arbitration	may	be	
   �	 While	you	do	not	have	to	pay	the	amount	in	question,	you	are	responsible	for	 administered,	without	the	consent	of	all	parties	to	the	arbitration,	by	any	Admin-
     the remainder of your balance.         istrator that has in place a formal or informal policy that is inconsistent with the 
   �	 We	can	apply	any	unpaid	amount	against	your	credit	limit. Class	Action	Waiver.
   After	we	?nish	our	investigation,	one	of	two	things	will	happen: 6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU 
   �	 If we made a mistake: You will not have to pay the amount in question or any  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO 
     interest or other fees related to that amount. PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, 
   �	 If we do not believe there was a mistake: You will have to pay the amount in  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN 
     question,	along	with	applicable	interest	and	fees.	We	will	send	you	a	state- ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE 
     ment	of	the	amount	you	owe	and	the	date	payment	is	due.	We	may	then	 IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
     report	you	as	delinquent	if	you	do	not	pay	the	amount	we	think	you	owe. 7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI-
   If	you	receive	our	explanation	but	still	believe	your	bill	is	wrong,	you	must	write	 TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS 
   to	us	within	10	days	telling	us	that	you	still	refuse	to	pay.	If	you	do	so,	we	cannot	 ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN-
   report	you	as	delinquent	without	also	reporting	that	you	are	questioning	your	bill.	 TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT 
   We	must	tell	you	the	name	of	anyone	to	whom	we	reported	you	as	delinquent,	 AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) 
   and	 we	 must	 let	 those	 organizations	 know	 when	 the	 matter	 has	 been	 settled	 CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI-
   between us.                              DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND 
   If we do not follow all of the rules above, you do not have to pay the ?rst $50 of  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT 
   the amount you question even if your bill is correct. A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION 
   Your Rights If You Are Dissatis?ed With Your Credit Card Purchases OR MULTIPLE-PARTY ARBITRATION. 
   If	you	are	dissatis?ed	with	the	goods	or	services	that	you	have	purchased	with	 8. Location and Costs of Arbitration:		Any	arbitration	hearing	that	you	attend	
   your	credit	card,	and	you	have	tried	in	good	faith	to	correct	the	problem	with	the	 must	take	place	at	a	location	reasonably	convenient	to	you.	We	will	pay	any	and	
   merchant,	you	may	have	the	right	not	to	pay	the	remaining	amount	due	on	the	 all	fees	of	the	Administrator	and/or	the	arbitrator	if	applicable	law	requires	us	
   purchase.                                to, if you prevail in the arbitration or if we must bear such fees in order for this 
   To	use	this	right,	all	of	the	following	must	be	true: Arbitration	Provision	to	be	enforced.	If	you	demand	an	arbitration,	we	will	pay	
   1. The purchase must have been made in your home state or within 100 miles  your	reasonable	attorneys�	and	experts�	fees	if	you	prevail	or	if	we	must	bear	such	
   of	your	current	mailing	address,	and	the	purchase	price	must	have	been	more	 fees	in	order	for	this	Arbitration	Provision	to	be	enforced.	Also,	we	will	bear	any	
   than	$50.	(Note:	Neither	of	these	are	necessary	if	your	purchase	was	based	on	 fees if applicable law requires us to.
   an advertisement we mailed to you, or if we own the company that sold you the  9. Governing Law:		This	Arbitration	Provision	involves	interstate	commerce	and	
   goods	or	services.)                      is	governed	by	the	Federal	Arbitration	Act,	9	U.S.C.	��	1-16	(the	�FAA�),	and	
   2. You must have used your credit card for the purchase. Purchases made with  not by any state arbitration law. The arbitrator must apply applicable substantive 
   cash	advances	from	an	ATM	or	with	a	check	that	accesses	your	credit	card	ac- law	consistent	with	the	FAA	and	applicable	statutes	of	limitations	and	claims	of	
   count do not qualify.                    privilege	recognized	at	law.	The	arbitrator	may	award	any	remedy	provided	by	the	
   3. You must not yet have fully paid for the purchase. substantive	law	that	would	apply	if	the	action	were	pending	in	court	(including,	
   If all of the criteria above are met and you are still dissatis?ed with the purchase,  without	limitation,	punitive	damages,	which	shall	be	governed	by	the	Constitu-
   contact	us	in	writing	at:                tional	standards	employed	by	the	courts).	At	the	timely	request	of	either	party,	
   Comenity	Capital	Bank                    the arbitrator must provide a brief written explanation of the basis for the award.
   PO Box 182620, Columbus, Ohio 43218-2620 10. Right to Discovery:		In	addition	to	the	parties�	rights	to	obtain	discovery	
   While	we	investigate,	the	same	rules	apply	to	the	disputed	amount	as	discussed	 pursuant	to	the	arbitration	rules	of	the	Administrator,	either	party	may	submit	
   above.	After	we	?nish	our	investigation,	we	will	tell	you	our	decision.	At	that	 a written request to the arbitrator to expand the scope of discovery normally al-
   point,	if	we	think	you	owe	an	amount	and	you	do	not	pay,	we	may	report	you	as	 lowable	under	the	arbitration	rules	of	the	Administrator.	The	arbitrator	shall	have	
   delinquent.                              discretion	to	grant	or	deny	that	request.
   G. Optional products                     11. Arbitration Result and Right of Appeal:		 Judgment	 upon	 the	 arbitrator�s	
                                            award	may	be	entered	by	any	court	having	jurisdiction.	The	arbitrator�s	decision	
   Credit insurance (as applicable)
                                            is	?nal	and	binding,	except	for	any	right	of	appeal	provided	by	the	FAA.	However,	
   Purchasing	credit	insurance	is	optional.	If	you	do	choose	to	carry	credit	insurance	 if the amount of the Claim exceeds $50,000 or involves a request for injunctive 
   coverage,	the	premium	charge	will	be	added	to	your	Account	as	a	purchase	on	 or declaratory relief that could foreseeably involve a cost or bene?t to either party 
   the	last	day	of	each	billing	period.		You	can	cancel	your	coverage	at	any	time. exceeding	$50,000,	any	party	can,	within	30	days	after	the	entry	of	the	award	
   Account Assure Debt cancellation (as applicable) by the arbitrator, appeal the award to a three-arbitrator panel administered by the 
   �	 Purchasing	Account	Assure	is	optional. Administrator.	The	panel	shall	reconsider	anew	any	aspect	of	the	initial	award	
   �	 Your	decision	whether	or	not	to	purchase	Account	Assure	won�t	affect	your	 requested	by	the	appealing	party.	The	decision	of	the	panel	shall	be	by	majority	
     application	for	credit	or	the	terms	of	any	existing	credit	agreement	you	have	 vote.	Reference	in	this	Arbitration	Provision	to	�the	arbitrator�	shall	mean	the	
     with us.                               panel	if	an	appeal	of	the	arbitrator�s	decision	has	been	taken.	The	costs	of	such	
   �	 The	monthly	fee	for	Account	Assure	is	based	on	the	outstanding	monthly	 an	appeal	will	be	borne	in	accordance	with	Paragraph	C.8.	above.
     balance	on	your	Account	each	month	and	will	be	added	to	your	Statement. 12. Rules of Interpretation:		This	Arbitration	Provision	shall	survive	the	repay-
   �	 We�ll	provide	additional	information	before	you�re	required	to	pay	for	Ac- ment	of	all	amounts	owed	under	this	Agreement,	the	closing	of	the	Account,	any	
     count	Assure.	This	will	include	a	copy	of	the	terms	and	conditions	pertain- legal	proceeding	and	any	bankruptcy	to	the	extent	consistent	with	applicable	
     ing	to	Account	Assure.                 bankruptcy	law.		In	the	event	of	a	con?ict	or	inconsistency	between	this	Arbitra- SM
   �	 You	can	cancel	your	Account	Assure	at	any	time.  World Financial Capital Bank is a Comenity company.
                                            tion Provision, on the one hand, and the applicable arbitration rules or the other 
   �	 There	are	eligibility	requirements,	conditions,	and	exclusions	that	could	pre- Salt Lake City, UT
                                            provisions	of	this	Agreement,	on	the	other	hand,	this	Arbitration	Provision	shall	
     vent	you	from	receiving	bene?ts	under	Account	Assure. govern.		This	Arbitration	Provision	replaces	any	Prior	Arbitration	Agreement.
   �	 Be	sure	to	carefully	read	the	Addendum	for	a	full	explanation	of	the	terms	 13. Severability:		If	any	portion	of	this	Arbitration	Provision,	other	than	the	Class	
     of	Account	Assure.                     Action	Waiver,	is	deemed	invalid	or	unenforceable,	the	remaining	portions	shall	
   H. Communicating with us                 nevertheless	remain	in	force.	If	a	determination	is	made	that	the	Class	Action	
   Communicating to you about your Account  Waiver	is	unenforceable,	only	this	sentence	of	the	Arbitration	Agreement	will	re-
                                                       World Financial Capital Bank is a
                                            main	in	force	and	the	remaining	provisions	shall	be	null	and	void,	provided	that	
   If	we	need	to	contact	you	to	service	your	Account	or	to	collect	amounts	you	owe	 Comenity SM
                                            the	determination	concerning	the	Class	Action	Waiver	shall	be	subject	to	appeal. company.
   to	us,	you	give	direct	consent	to	us,	as	well	as	servicers,	agents,	contractors	and	
                                            14. Special Payment:		 If	 (1)	 you	 submit	 a	 Claim	 Notice	 in	 accordance	 with	 Salt Lake City, UT
   collectors	of	your	Account,	to	communicate	with	you	in	any	way,	such	as	calling,	
                                            Paragraph	B	above	on	your	own	behalf	(and	not	on	behalf	of	any	other	party);	
   texting,	or	electronic	mail	via:
                                            (2) we refuse to provide you with the relief you request; and (3) an arbitrator 
   1)  a cell, landline, or text number you provide, use to contact us, or at which 
                                            subsequently	determines	that	you	were	entitled	to	such	relief	(or	greater	relief),	
      we believe we can reach you (even if it is not yours),
                                            the arbitrator shall award you at least $5,100 (plus any fees and costs to which 
   2)  any electronic mail address you provide to us or one of our merchants,
                                            you are entitled).
   3)	 automated	dialer	systems	and	automatic	telephone	dialing	systems,
   4)	 pre-recorded	or	arti?cial	voice	messages	and	other	forms	of	communica-
      tions.                                           Comenity Capital Bank, Salt Lake City, UT
   You	also	agree	that	these	communications	aren�t	unsolicited	for	purposes	of	any	
                                                                          169NACC062712
   state or federal law, and you understand that this may result in additional mobile, 
                                                                         83294I017 (05/14)
   text	message,	or	data	charges.
   Phone monitoring
   �	 To	provide	you	with	high-quality	service,	phone	communication	with	us	is	
     monitored and/or recorded.  
   �	 You	agree	that	we	monitor	and/or	record	any	phone	calls	between	you	and	
     us.  
   �	 Please	inform	all	authorized	cardholders	of	this	provision,	including	anyone	
     acting	on	your	behalf	or	making	payments	on	this	Account.
   For Wisconsin residents:
   If	you	are	married,	please	contact	us	immediately	upon	receipt	of	this	Agreement	
   at 1-866-327-4367  (TDD/TTY 1-888-819-1918) and provide us with the name 
   and	address	of	your	spouse.	We	are	required	to	inform	your	spouse	that	we	have	
   opened a credit account for you.
   For bankruptcy noti?cations:
   All	 bankruptcy	 notices	 and	 related	 correspondence	 to	 Comenity	 Capital	 Bank	
   should	be	sent	to	the	following	address:	Comenity	Capital	Bank,	Bankruptcy	De-
   partment, PO Box 183043, Columbus, Ohio 43218-3043.
                         * * * * * * * * * * * * * * * *
 Fonts: Trade Gothic LT Std (regular, oblique, bold no.2); Font sizes: 10pt & 12pt, date 8pt CCA - Back - Common Privacy Statement - Comenity;   Size:  6.5 x 8.5; Color: Black;  
   contact us.  Standard mobile, message, or data rates may apply. of pre-recorded or auto-dialed calls on any cell, landline or text number you provide or use to  We will contact you regarding your account via text message or telephone, including the use  your information with nonaf?liates for marketing purposes. if your billing address is in Vermont or California, we will automatically opt you out of sharing  We also will comply with more restrictive state laws to the extent that they apply. For example,  Other important information Joint marketing Nonaf?liates Af?liates De?nitions with someone else? account I hold jointly  I limit sharing for an  What happens when  all sharing? Why can�t I limit information? personal  collect my Comenity How does  information? protect my personal   How does Comenity  What we do this notice? Who is providing Who we are Page 2
                    companies. �   Our joint marketing partners include lenders and insurance   together market ?nancial products or services to you. A formal agreement between nonaf?liated ?nancial companies that       retailers, direct marketers, publishers and nonpro?t organizations. �   Nonaf?liates we share with can include ?nancial service providers,      ?nancial and non?nancial companies. Companies not related by common ownership or control. They can be       Alliance Data, and LoyaltyOne.      other Comenity entities; non?nancial companies such as Epsilon,       companies such as Comenity Capital Bank and Comenity Bank,   �   Our af?liates include companies with a Comenity name; ?nancial  ?nancial and non?nancial companies. Companies related by common ownership or control. They can be   Your choices will apply to everyone on your account. to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights   �   sharing for nonaf?liates to market to you �   af?liates from using your information to market to you      about your creditworthiness �   sharing for af?liates� everyday business purposes�information   Federal law gives you the right to limit only bureaus, af?liates, or other companies. We also collect your personal information from others, such as credit  �   use your credit or show your driver�s license �   give us your income information �   open an account or provide account information We collect your personal information, for example, when you  include computer safeguards and secured ?les and buildings. we use security measures that comply with federal law. These measures  To protect your personal information from unauthorized access and use,  including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies, 
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          28.99%. 
      (APR) for Purchases 
                           
      How to Avoid Paying  We will begin charging interest on purchases on the transaction date 
      Interest 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
       �  Annual Fee      None 
                           
      Penalty Fees 
                           
       �  Late Payment    Up to $35 
       �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method