Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-905; PO #0094014513; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent 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: 
 TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE  that we are electing to arbitrate any Claim (or, if you dispute our right to require  �
  Your Vitacost �  Healthy Perks MasterCard  Credit Card account            VCTCCA0314
 ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  agreement. Rate Information: The following chart provides details on your variable rate(s) as 
 CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER  If you do not select the Administrator on time, we may do it. Notwithstanding 
 IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. any language in this Arbitration Provision to the contrary, no arbitration may be  This card is issued by Comenity Capital Bank pursuant to a li- of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
                                            rate.
 B. Notice and cure administered, without the consent of all parties to the arbitration, by any Admin- cense from MasterCard. MasterCard is a registered trademark 
 Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris- istrator that has in place a formal or informal policy that is inconsistent with the  of MasterCard International Incorporated.  This Agreement cov- Add to Index APR Daily Periodic Rate
 ing out of or related to this Agreement (as further de?ned below, a �Claim�),  Class Action Waiver.
  ers the Terms and Conditions of your account with us. In this 
 the party asserting the Claim (the �Claimant�) shall give the other party (the  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  Tier 3 Purchase APR 12.74% 15.99% 0.04380%
 �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  document, you will ?nd important information about using and 
 opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  managing your account, including a Privacy Statement and infor- Tier 2 Purchase APR 16.74% 19.99% 0.05476%
 shall be sent in writing to the address we have in our records (or any updated  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN  mation concerning your billing rights. Your use of the account, or 
 ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE  Tier 1 Purchase APR 21.74% 24.99% 0.06846%
 address you subsequently provide to us).  Any Claim Notice to us shall be sent by  failure to close the account within the 30 days of receiving this 
 mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
  document, indicates your acceptance of the terms of this agree- Balance Transfers and  21.74% 24.99% 0.06846%
 (or any updated address we subsequently provide).  Any Claim Notice you send  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- Cash Advances
 TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  ment, including the assessment of any interest charges and fees.
 must provide your name, address and Account number.  Any Claim Notice must 
 explain the nature of the Claim and the relief that is demanded.  You may only  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Section I of this Agreement also includes a Jury Trial Waiver and  We�ll charge you a minimum interest charge of $2.00 per credit plan for any 
 submit a Claim Notice on your own behalf and not on behalf of any other party.  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  an Arbitration Provision in the event of a dispute. billing period in which interest is due. For additional information, see Rates in 
 No third party, other than a lawyer you have personally retained, may submit a  AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  Section D.
  �	 You have a right to reject this Arbitration Provision.
 Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI- Minimum Payment: The Minimum Payment Due is the total of minimum pay-
  �	 If you do not reject this Arbitration Provision, it will be part 
 ing any information about the Claim that the other party reasonably requests. DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
 C. Arbitration provision (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  of this Agreement and will: Past Due amounts. The total Minimum Payment Due on your account won�t be 
 A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  o  Eliminate your right to a trial by jury; and less than $25.00. If your Account balance is less than $25.00, you must pay the 
 READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
 THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- OR MULTIPLE-PARTY ARBITRATION.  o  Substantially affect your rights, including your right to  amount indicated on your Statement in full. The Minimum Payment Due for each 
 LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- 8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  Regular Revolving and Cash Revolving Credit Plans will be: 
       bring, join in or participate in class proceedings.
                                            �	 The greater of:
 TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  must take place at a location reasonably convenient to you. We will pay any and 
  Please read each section carefully and keep this document for 
 all fees of the Administrator and/or the arbitrator if applicable law requires us  o  1% of the New Balance, excluding any new Regular Revolving or Cash 
 YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
 to, if you prevail in the arbitration or if we must bear such fees in order for this  your records. Revolving Credit Plan Finance Charges shown on the Statement; or 
 1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
                                               o $5.00
 prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  Arbitration Provision to be enforced. If you demand an arbitration, we will pay  In the following sections, you will ?nd information on:
 your reasonable attorneys� and experts� fees if you prevail or if we must bear such  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
 to apply, you may reject it by mailing us a written rejection notice which gives the  Financial terms of your account: An at-a-glance summary of the fees and charges 
 fees in order for this Arbitration Provision to be enforced. Also, we will bear any  Charges shown on the Statement rounded up to the nearest $1.00.
 name of each Cardholder and contains a statement that you (both of you, if more  associated with your account
 than one) reject the Arbitration Provision of this Agreement. The rejection notice  fees if applicable law requires us to. See Minimum Payment in Section C below for promotional credit plan minimum 
  A.  Getting started: the basics of your account
 must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  9. Governing Law:  This Arbitration Provision involves interstate commerce and  payment calculations. 
  B.  Keeping your account in good standing: avoiding default, and what to do if 
 is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and  The APR information described below is accurate as of March 1, 2014.  Due to a 
 43218-2422. A rejection notice is only effective if it is signed by you (all of you,  your card is lost or stolen, as applicable
 if more than one) and if we receive it within thirty (30) calendar days after the  not by any state arbitration law. The arbitrator must apply applicable substantive  change in the index, this information may have changed.   To ?nd out more, call 
  C.  Learning more about your account: credit plans, and credit limits, and how 
 law consistent with the FAA and applicable statutes of limitations and claims of  us at 1-877-882-3535  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
 date we ?rst provide you with a credit card agreement or written notice providing  payments are calculated and applied
 privilege recognized at law. The arbitrator may award any remedy provided by the  Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
 you a right to reject this Arbitration Provision. Your rejection of this Arbitration  D.  Interest, fees and charges: when and how fees and costs are applied to your 
 substantive law that would apply if the action were pending in court (including,  site at vitacostmastercard.com.
 Provision will not affect any other provision of this Agreement or your ability to  account
 obtain credit. without limitation, punitive damages, which shall be governed by the Constitu- A. Getting Started
  E.  Other important information: legal rights, costs, and how we�ll handle 
 2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  tional standards employed by the courts). At the timely request of either party, 
     changes to your account                De?nitions
 (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  the arbitrator must provide a brief written explanation of the basis for the award.
 10. Right to Discovery:  In addition to the parties� rights to obtain discovery  F.  Disputes and reporting to consumer reporting agencies: data we provide,  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
 Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the  and �Your� mean each person who submits an application or solicitation for an 
 employees, of?cers and directors of such companies (the �Bank Parties�); and  pursuant to the arbitration rules of the Administrator, either party may submit  and receive from, consumer reporting agencies, and what to do if you think 
     there is an error on your periodic statement Account with us. �Account� means your credit card account with us. �Card� 
 (b) any other person or company that provides any services in connection with  a written request to the arbitrator to expand the scope of discovery normally al-
 this Agreement if you assert a Claim against such other person or company at the  lowable under the arbitration rules of the Administrator. The arbitrator shall have  G.  Optional products: how to protect your account from fraud or theft, and  means each credit card we issue for your Account, as applicable. �Credit Plan� 
     information on services that can help pay your debt in case of emergencies means one or more payment program options Vitacost.com may ask us to offer 
 same time you assert a Claim against any Bank Party. discretion to grant or deny that request.
                                            from time to time.
 11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  H.  Communicating with us: what happens when you contact us
 3. Covered Claims:  �Claim� means any claim, dispute or controversy between  Upholding your Agreement
 you and us that in any way arises from or relates to this Agreement, the Account,  award may be entered by any court having jurisdiction. The arbitrator�s decision  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
 the issuance of any Card, any rewards program, any prior agreement or account.  is ?nal and binding, except for any right of appeal provided by the FAA. However,  a jury trial waiver and Arbitration provision �	 You agree to the terms of this Agreement, and promise to do everything 
                                               required of you. If you sign or submit an application or solicitation to obtain 
 �Claim� includes disputes arising from actions or omissions prior to the date  if the amount of the Claim exceeds $50,000 or involves a request for injunctive  Privacy statement: how we collect, use, share, and protect your personal informa-
 any Card was issued to you, including the advertising related to, application for  or declaratory relief that could foreseeably involve a cost or bene?t to either party  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
  tion; and the privacy choices you can make.
 or approval of the Account. �Claim� has the broadest possible meaning, and  exceeding $50,000, any party can, within 30 days after the entry of the award  bound if you sign a charge slip, or permit someone else to use the credit 
  Financial terms of your account
 by the arbitrator, appeal the award to a three-arbitrator panel administered by the  provided.
 includes initial claims, counterclaims, cross-claims and third-party claims. It  You agree that the credit extended under your Account will be used only for 
 includes disputes based upon contract, tort, consumer rights, fraud and other  Administrator. The panel shall reconsider anew any aspect of the initial award  �	
   Interest Rates and Interest Charges
 requested by the appealing party. The decision of the panel shall be by majority  personal, family or household purposes and not for business or commercial 
 intentional torts, constitution, statute, regulation, ordinance, common law and 
 equity (including any claim for injunctive or declaratory relief). �Claim� does not  vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  purpose.
                15.99%, 19.99%,             �	 If the Account is a joint Account, you and the joint Account holder will 
 include disputes about the validity, enforceability, coverage or scope of this Arbi- panel if an appeal of the arbitrator�s decision has been taken. The costs of such 
 tration Provision or any part thereof (including, without limitation, the prohibition  an appeal will be borne in accordance with Paragraph C.8. above. be bound by this Agreement. Each of you will be jointly and individually 
 12. Rules of Interpretation:  This Arbitration Provision shall survive the repay- responsible for repaying all amounts due.  If more than one person is re-
 against class proceedings, private attorney general proceedings and/or multiple  or 24.99%  when you 
   Annual Percentage 
 party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the  ment of all amounts owed under this Agreement, the closing of the Account, any  sponsible for this Account, we will only provide billing statements and com-
                open your account, based on your 
 last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  legal proceeding and any bankruptcy to the extent consistent with applicable  Rate (APR) for  munications to one of you.
                creditworthiness.
 a court and not an arbitrator to decide. However, any dispute or argument that  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- World Financial Capital Bank is a Comenity SM company. Purchases �	 Any authorized user of your Account will be bound by the terms of this 
 tion Provision, on the one hand, and the applicable arbitration rules or the other  Agreement. One additional Card may be issued with the individual name of 
 concerns the validity or enforceability of the Agreement as a whole is for the  Salt Lake City, UT
                                               an authorized user embossed on the Card. If you want to revoke the use of 
 arbitrator, not a court, to decide. provisions of this Agreement, on the other hand, this Arbitration Provision shall  After that, this APR will vary with the 
 4. Starting an Arbitration:  Arbitration may be elected by any party with respect  govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. your Account by an authorized user, either write us at the address, or call us 
                market based on the Prime Rate.
 to any Claim, even if that party has already initiated a lawsuit with respect to a  13. Severability:  If any portion of this Arbitration Provision, other than the Class  at the phone number, shown on your Statement.
 Action Waiver, is deemed invalid or unenforceable, the remaining portions shall  �	 You agree to pay for all transactions made on your Account by an authorized 
 different Claim. Arbitration is started by giving a written demand for arbitration  APR for Balance  24.99%
                                               user, whether or not such transactions were authorized by you or made for 
 to the other party. We will not demand to arbitrate an individual Claim that you  nevertheless remain in force. If a determination is made that the Class Action  Transfers and Cash  This APR will vary with the market 
                                               your bene?t.
 bring against us in small claims court or your state�s equivalent court, if any. But  Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- World Financial Capital Bank is a Advances based on the Prime Rate.
 if that Claim is transferred, removed or appealed to a different court, we then  main in force and the remaining provisions shall be null and void, provided that  Card signature (as applicable)
 Comenity SM company.
 have the right to demand arbitration. the determination concerning the Class Action Waiver shall be subject to appeal. For your own protection, please sign your Card before using it. Keep in mind that 
 Salt Lake City, UT Your due date is at least 23 days after 
 5. Choosing the Administrator:  �Administrator� means the American Arbitration  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
                the close of each billing cycle. We will 
 Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. Paragraph B above on your own behalf (and not on behalf of any other party);  incurred on your Account.
 (2) we refuse to provide you with the relief you request; and (3) an arbitrator  not charge you interest on purchases  Using your Account
 adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.
 subsequently determines that you were entitled to such relief (or greater relief),  if you pay your entire balance by the  �	 Your Account may be used to make purchases from anywhere MasterCard is 
 jamsadr.com; or any other company selected by mutual agreement of the par- Paying Interest
 ties. If both AAA and JAMS cannot or will not serve and the parties are unable  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  due date each month.   We will begin  accepted.
 to select an Administrator by mutual consent, the Administrator will be selected  you are entitled). charging interest on balance transfers  �	 We reserve the right to not honor transactions related to, including, but not 
                                               limited to, gambling, ATM usage at casinos, and illegal activities.
 by a court. The arbitrator will be appointed by the Administrator in accordance  and cash advances on the transaction 
 Comenity Capital Bank, Salt Lake City, UT  �	 You may obtain a loan from us under your Account by using your Card or 
 with the rules of the Administrator. However, the arbitrator must be a retired or 
                date.                          a convenience check as follows: by purchasing goods or services with your 
 former judge or a lawyer with at least 10 years of experience. You get to select the 
                                               Card or your Account number; by obtaining a cash advance from a ?nancial 
 Administrator if you give us written notice of your selection with your notice that  VCTCCA0314 Minimum Interest  If you are charged interest, the charge 
                                               institution, by use of an ATM; by using a convenience check; or, by incurring 
 you are electing to arbitrate any Claim or within 20 days after we give you notice 
   Charge       will be no less than $2.00 per credit  charges authorized by this Agreement.
                plan                        �	 From time to time, in our sole discretion, we may send you convenience 
                                               checks for use in borrowing under this Agreement. All convenience checks 
                To learn more about factors to consider  you use will be treated as cash advances under this Agreement, and subject 
   For Credit Card 
                when applying for or using a credit  to the terms and fees that apply to cash advances, unless we advise you 
   Tips from the                               otherwise.
 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  * card, visit the website of the Consumer 
 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;   Consumer Financial  �	 You agree that convenience checks that you use will not be returned to you.
 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 Financial Protection Bureau at http://
 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 Protection Bureau �	 You may not use the convenience checks to make payments on any Co-
                www.consumer?nance.gov/learnmore. menity Capital Bank Account.
                                            �	 You agree not to use a convenience check, and we do not have to pay any 
   Fees                                        convenience check:
                                               o  if you are in default under this Agreement;
   �	   Annual	Fee    None                     o  if payment of that convenience check would cause your outstanding 
                                                 cash advance balance to exceed your cash advance limit; or
   Transaction Fees                            o  if we cancel or suspend your right to use convenience checks
   �	   Balance	Transfer The greater of $10 or 3% of  �	 From time to time, in our sole discretion, we may offer you the ability to 
                      the amount of the balance  transfer account balances from other credit card accounts you may have 
                      transfer.                to the Account. We may, in our sole discretion, offer promotional plans for 
                                               such balance transfers.
 including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Cash	Advance The greater of $10 or 5% 
      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,  �	 You may use the Card to obtain cash advances through certain ATMs. You 
                      of the amount of the cash  will be given a Personal Identi?cation Number (PIN) which must be used in 
                      advance.                 order to obtain an ATM cash advance.
   �	   Convenience	Checks The greater of $10 or  o  Some limitations on ATM cash advances may apply, such as limita-
                      5% of the amount of the    tions on dollar amount, number, or currency denominations.
                                               o  You agree that any charges imposed by third parties for use of their 
                      convenience check.
                                                 ATM facilities will be added to your Account balance as a cash ad-
   �	   Foreign	Transaction 3% of each transaction in  vance.
                      U.S. dollars.         �	 If you make a purchase or obtain a cash advance in a foreign currency, 
                                               it will be converted by MasterCard into U.S. dollars in accordance with 
   Penalty Fees                                MasterCard Operating Regulations in effect at the time the transaction is 
   �	   Late	Payment  Up to $35.00             processed.
   �	   Returned	Payment Up to $35.00          o  The currency conversion rate in effect on the processing date may dif-
                                                 fer from the rate in effect on the transaction date or the posting date.
  How We Will Calculate Your Balance: We use a method called  o  The currency conversion rate used may be the same as, greater than, or 
                                                 less than the amount that would be calculated by conversion through 
  �daily balance.� See your Account agreement for more details.
                                                 a ?nancial institution in the country in which the purchase or cash 
  Billing Rights: Information on your rights to dispute  advance occurred.
                                            Making payments
  transactions and how to exercise those rights is provided in your 
                                            �	 Pay your Account by sending a check, money order, or cashier�s check pay-
  account agreement.
                                               able in U.S. dollars, to the name and address shown on your Statement 
                                               speci?ed for payments. Please don�t send cash.
  Comenity Capital Bank 1-877-882-3535  (TDD/TTY 1-888-819-1918)
                                            �	 Be sure to include your payment stub, do not staple your payment to the 
  New York Residents: New York Residents may contact the New York state Depart-
                                               stub, use the envelope provided with your Statement and don�t send any 
  ment of Financial Services by telephone or visit its website for free information 
                                               correspondence with your payment.
  on comparative credit card rates, fees, and grace periods. New York Department 
                                            �	 If your payment doesn�t meet these requirements, it may not be credited to 
  of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                               your Account for up to ?ve days, or may be rejected.
                                            �	 All written communications concerning disputed amounts, including any 
                                               check or other payment instrument marked with �payment in full� or similar 
                                               language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                               Antonio, Texas 78247-5004.
                                               o  We may accept a payment sent to any other address without losing any 
                                                 of our rights.
                                               o  No payment shall operate as an accord and satisfaction without our 
                                                 prior written approval.
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-905; PO #0094014513; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent 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:  B. Keeping your account in good standing charge interest on the purchase if you pay the total purchase amount be- F. Disputes and Reporting to Consumer Reporting Agencies Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
                                               fore the end of the promotional period. If you don�t pay the total purchase        If you are dissatis?ed with the goods or services that you have purchased with 
  Avoiding default                                                                     Credit Reports
                                               amount before the end of the promotional period, we�ll add the remaining           your credit card, and you have tried in good faith to correct the problem with the 
  You�ll be in default under this Agreement if you:                                    �	 You give us permission to investigate your credit record.
                                               amount to your Regular Revolving balance. We�ll also begin charging inter-         merchant, you may have the right not to pay the remaining amount due on the 
  �	 Fail to make any payment when due                                                 �	 You agree that a credit report may be requested in connection with the 
                                               est on the purchase from the ?rst day after the promotional period ends.           purchase.
  �	 Violate any provision of this Agreement                                              processing of your credit application. A report may also be requested in 
                                             �	 If you make a purchase under any Defer Interest Promotional Credit Plan           To use this right, all of the following must be true:
  �	 Pass away                                                                            connection with a credit extension, credit limit request, Account renewal or 
                                               and don�t pay the total amount before the end of the promotional period,           1. The purchase must have been made in your home state or within 100 miles 
  �	 Become the subject of bankruptcy or insolvency proceedings                           update, Account collection action, or dispute investigation. Upon request, 
                                               we�ll add the remaining purchase amount and the amount of accrued inter-           of your current mailing address, and the purchase price must have been more 
  �	 Supply us with misleading, false, incomplete or incorrect information                we will tell you the name and address of any consumer reporting agency that 
                                               est to your Regular Revolving balance.                                             than $50. (Note: Neither of these are necessary if your purchase was based on 
  �	 Are unable or unwilling to perform the terms or conditions of this Agreement         furnished a report on you. You consent to the obtaining of such reports by 
                                             �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,                an advertisement we mailed to you, or if we own the company that sold you the 
  �	 Fail to supply us with any information we deem necessary                             signing or otherwise submitting an application or solicitation.
                                               interest will be assessed from the date of purchase through the end of the         goods or services.)
  �	 Default under any other loan or agreement you have with us or any of our          �	 You understand that we may report negative information (such as, late pay-
                                               promotional period.                                                                2. You must have used your credit card for the purchase. Purchases made with 
     af?liates                                                                            ments, missed payments, or other defaults) about your Account to con-
                                             How we calculate Interest Charges on your Account                                    cash advances from an ATM or with a check that accesses your credit card ac-
  �	 Become incompetent                                                                   sumer reporting agencies.
                                             We calculate interest separately for each Credit Plan, using a �Daily Balance�       count do not qualify.
  �	 Exceed your Credit Limit                                                          �	 You give us permission to provide information about your Account to con-
                                             to determine interest charges for each billing period. Our calculation method is     3. You must not yet have fully paid for the purchase.
  �	 Issue a payment returned unpaid by your bank for any reason                          sumer reporting agencies and other creditors, as well as to the retailer 
                                             as follows:                                                                          If all of the criteria above are met and you are still dissatis?ed with the purchase, 
  If we consider your Account in default, we may suspend your ability to make             whose name appears on your Card.
                                             �	 We start with the beginning balance on your Account each day (including           contact us in writing at:
  charges, close your Account, require you to pay the full amount you owe im-          Credit report disputes
                                               unpaid interest charges and fees).                                                 Comenity Capital Bank
  mediately or take any other action permitted by law. If applicable law requires      If you believe the Account information we reported to a consumer reporting agen-
                                             �	 We subtract any payments or credit adjustments (treating any net credit           PO Box 182620, Columbus, Ohio 43218-2620
  us to do so, we�ll tell you in advance and/or give you the opportunity to remedy     cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
                                               balance as a zero balance) and add new transactions and debit adjustments          While we investigate, the same rules apply to the disputed amount as discussed 
  your default.                                                                        Box 182120, Columbus, Ohio 43218-2120. 
                                               posted as of that day. This gives us the �Partial Daily Balance� for the day.      above. After we ?nish our investigation, we will tell you our decision. At that 
  Reporting a lost or stolen card (as applicable)                                      Your written dispute must provide suf?cient information to identify the Account 
                                             �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic      point, if we think you owe an amount and you do not pay, we may report you as 
  If you notice the loss or theft of your credit card or a possible unauthorized use   and specify why the information is inaccurate:
                                               Rate. This gives us the �Daily Interest Charge� for the day, which we add to       delinquent.
  of your card, you should write to us immediately at PO Box 183003, Columbus,         �	 Account Information:  Your name and Account number
                                               the day�s Partial Daily Balance.                                                   G. Optional products
  Ohio 43218-3003 or call us at 1-877-882-3535  (TDD/TTY: 1-888-819-1918).             �	 Contact Information:  Your address and telephone number
                                             �	 We�ve now determined the �Daily Balance,� which will be the beginning 
  You will not be liable for any unauthorized use that occurs after you notify us.     �	 Disputed Information:  Identify the Account information disputed and ex- Credit insurance (as applicable)
                                               balance for the following day. This results in daily compounding of interest 
  You may, however, be liable for unauthorized use that occurs before your notice         plain why you believe it is inaccurate  Purchasing credit insurance is optional. If you do choose to carry credit insur-
                                               charges.
  to us.  In any case, your liability will not exceed $50.                             �	 Supporting Documentation:  If available, provide a copy of the section of  ance coverage, the premium charge will be added to your Account as a purchase 
                                             �	 At the end of each billing period, we add together each Credit Plan�s Daily 
  C. Learning more about your account                                                     the credit report showing the Account information you are disputing on the last day of each billing period.  You can cancel your coverage at any time.
                                               Interest Charge, which gives us the total interest charge.
  Credit Plans                                                                         We will investigate the disputed information and report the results to you within  Account Assure Pro Debt cancellation (as applicable)
                                             �	 Your Statement will show a Balance Subject to Interest Rate, which is the 
                                                                                       30 days of receipt of the information needed for our investigation. If we ?nd that 
  �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred-                                                    �	 Purchasing Account Assure Pro is optional.
                                               sum of the Daily Balances for each day in the billing period divided by the 
                                                                                       the Account information we reported is inaccurate, we will promptly provide the 
     it Plan and one or more promotional Credit Plans. Credit Plans offered and                                                   �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
                                               total number of days.
                                                                                       necessary correction to each consumer reporting agency to which we reported 
     their particular features (including but not limited to minimum purchase                                                       your application for credit or the terms of any existing credit agreement you 
                                             Rates
                                                                                       the information.
     requirements and minimum payment) may vary occasionally at our discre-                                                         have with us.
                                             �	 The Index in effect for each billing period will be the highest �Prime Rate� 
                                                                                       Your Billing Rights: Keep This Document For Future Use
     tion and include one or more Regular Revolving or promotional Credit Plans.                                                  �	 The monthly fee for Account Assure Pro is based on the outstanding month-
                                               of interest as published in the �Money Rates� section of The Wall Street 
  �	 We may offer different promotional Credit Plans from time to time.                This notice tells you about your rights and our responsibilities under the Fair  ly balance on your Account each month and will be added to your State-
                                               Journal for the calendar month preceding the month in which the billing pe-
  �	 If a promotional Credit Plan is offered at the time you open your Account,        Credit Billing Act.                          ment.
                                               riod begins, rounded upward if necessary, to the nearest .001% (�Index�). 
     this Agreement will include information about the terms for the Plan, by          What To Do If You Find A Mistake On Your Statement �	 We�ll provide additional information before you�re required to pay for Ac-
                                             �	 Any variable APR may increase if the Index increases.
     use of an insert, attachment, or other written information provided as part       If you think there is an error on your statement, write to us at: Comenity Capital  count Assure Pro. This will include a copy of the terms and conditions 
                                             �	 An increase or decrease in the APR will result in a corresponding increase 
     of this Agreement.                                                                Bank, PO Box 182620, Columbus, Ohio 43218-2620 pertaining to Account Assure Pro.
                                               or decrease in the amount of interest and may increase the Total Minimum 
  �	 Normal late fees, returned payment fees and all other provisions apply to         In your letter, give us the following information: �	 You can cancel your Account Assure Pro at any time.
                                               Payment.
     any promotional Credit Plan, unless inconsistent with a particular Credit         �	 Account information: Your name and account number. �	 There are eligibility requirements, conditions, and exclusions that could 
                                             Other fees and charges
     Plan offering.                                                                    �	 Dollar amount: The dollar amount of the suspected error. prevent you from receiving bene?ts under Account Assure Pro.
                                             You agree to pay the following fees and charges:
  �	 If the promotional Credit Plan purchase isn�t paid in full before the promo-      �	 Description of problem: If you think there is an error on your bill, describe  �	 Be sure to carefully read the Addendum for a full explanation of the terms 
                                             �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-
     tional period ends, the balance will be transferred to your Regular Revolving        what you believe is wrong and why you believe it is a mistake. of Account Assure Pro.
                                               ment Due Date, we will charge you a late fee.
     balance.                                                                          You must contact us:                       H. Communicating with us
                                               o  The fee is $25.00 if you were not charged a late fee during any of the 
  �	 Promotional Credit Plans may include:                                             �	 Within 60 days after the error appeared on your statement.
                                                  prior six billing periods.                                                      Communicating to you about your Account
     o Waive Interest, Payment Required  o  Defer Interest, Payment Required           �	 At least 3 business days before an automated payment is scheduled, if you 
                                               o  Otherwise, the fee is $35.00.                                                   If we need to contact you to service your Account or to collect amounts you owe 
     o Waive Interest, Equal Payment  o  Defer Interest, Low Payment                      want to stop payment on the amount you think is wrong.
                                               o  This fee will never exceed the minimum payment due that was due                 to us, you give direct consent to us, as well as servicers, agents, contractors and 
     o Waive Interest, Low Payment  o  Low APR, Equal Payment                          You must notify us of any potential errors in writing. You may call us, but if you 
                                                  immediately prior to the date on which the fee was assessed.                    collectors of your Account, to communicate with you in any way, such as calling, 
     o Defer Interest, Equal Payment  o  Budget Payment                                do we are not required to investigate any potential errors and you may have to 
                                             �	 Returned Payment Fee: We may charge you a fee for each payment that your          texting, or electronic mail via:
  Skip-payment option                                                                  pay the amount in question.
                                               bank doesn�t honor for any reason.                                                 1)  a cell, landline, or text number you provide, use to contact us, or at which 
                                                                                       What Will Happen After We Receive Your Letter
  �	 At our discretion, we may allow you to skip making the Minimum Payment. o  The fee is $25.00 if you were not charged a returned payment fee  we believe we can reach you (even if it is not yours),
                                                                                       When we receive your letter, we must do two things:
  �	 Finance Charges will be assessed during the skip-payment period, but a late  during any of the prior six billing periods.    2)  any electronic mail address you provide to us or one of our merchants,
                                                                                       1.  Within 30 days of receiving your letter, we must tell you that we received your 
     fee won�t be imposed.  This will not be considered a waiver of any of the  o  Otherwise, the fee is $35.00.                  3)  automated dialer systems and automatic telephone dialing systems,
                                                                                         letter. We will also tell you if we have already corrected the error.
     rights granted by this Agreement.         o  This fee will never exceed the minimum payment due that was due                 4)  pre-recorded or arti?cial voice messages and other forms of communica-
                                                                                       2.  Within 90 days of receiving your letter, we must either correct the error or 
  �	 All other terms of your Account apply during the skip-payment period. immediately prior to the date on which the fee was assessed. tions.
                                                                                         explain to you why we believe the bill is correct.
  Credit limit                               �	 Although we may decide to do so, we aren�t required to attempt to collect a       You also agree that these communications aren�t unsolicited for purposes of any 
                                                                                       While we investigate whether or not there has been an error:
  �	 Your Credit Limit is the total maximum amount we permit you to owe us at  payment more than once.                            state or federal law, and you understand that this may result in additional mobile, 
                                                                                       �	 We cannot try to collect the amount in question, or report you as delinquent 
     any time.                               �	 Document Fees: If we provide you with a copy of any Statement, sales draft        text message, or data charges.
                                                                                          on that amount.
  �	 You may not exceed any Credit Limit that we set for your Account. or similar document at your request (except in connection with billing error  Phone monitoring
                                                                                       �	 The charge in question may remain on your statement, and we may continue 
  �	 If you do exceed your Credit Limit, we can still charge you for all transac- inquiries or resolution), we may charge the Account the following fee(s), 
                                                                                          to charge you interest on that amount.  �	 To provide you with high-quality service, phone communication with us is 
     tions, interest and other charges without giving up any of our rights under  subject to any limitations of applicable law:
                                                                                       �	 While you do not have to pay the amount in question, you are responsible  monitored and/or recorded.  
     this Agreement.                           o  Statement copy - $6.00
                                                                                          for the remainder of your balance.      �	 You agree that we monitor and/or record any phone calls between you and 
  �	 We may change your Credit Limit at any time. o  Sales/Credit Draft copy - $6.00
                                                                                       �	 We can apply any unpaid amount against your credit limit. us.  
  Account cancellation                         o  Check/Money Order copy - $6.00
                                                                                       After we ?nish our investigation, one of two things will happen: �	 Please inform all authorized cardholders of this provision, including anyone 
  �	 You may cancel your Account. You�re still obligated to pay the full amount  �	 Alternative Payment Method Fee: We may offer alternative payment meth-
                                                                                       �	 If we made a mistake: You will not have to pay the amount in question or  acting on your behalf or making payments on this Account.
     you owe us.                               ods that allow you to make individual, expedited payments to your Account 
                                                                                          any interest or other fees related to that amount. For Wisconsin residents:
  �	 We may cancel your Account at any time, for any reason. over the phone.  If you choose to use this payment method, we may assess 
                                                                                       �	 If we do not believe there was a mistake: You will have to pay the amount in  If you are married, please contact us immediately upon receipt of this Agreement 
  �	 We may refuse to authorize any transaction on your Account. We may also  the current fee we charge for this service, subject to any limitations of ap-
                                                                                          question, along with applicable interest and fees. We will send you a state- at 1-877-882-3535  (TDD/TTY 1-888-819-1918) and provide us with the name 
     suspend your Account and your right to use your Card, including each Card  plicable law. Currently, that fee is up to $15.00 but may change. We�ll let 
                                                                                          ment of the amount you owe and the date payment is due. We may then  and address of your spouse. We are required to inform your spouse that we have 
     you give to others.                       you know the current fee before you authorize any payment(s), and you can 
                                                                                          report you as delinquent if you do not pay the amount we think you owe. opened a credit account for you.
  �	 We may stop offering any Credit Plan at any time, for any reason. withdraw your request if you don�t want to pay the fee.
                                                                                       If you receive our explanation but still believe your bill is wrong, you must write  For bankruptcy noti?cations:
  �	 Cancellation or suspension of your Account doesn�t negate your obligation  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan-
                                                                                       to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  All bankruptcy notices and related correspondence to Comenity Capital Bank 
     to pay any amount you owe us.             cial institution or through an ATM, you will pay a transaction fee equal to 
                                                                                       report you as delinquent without also reporting that you are questioning your bill.  should be sent to the following address: Comenity Capital Bank, Bankruptcy 
  �	 Cancellation of your Account includes each Card you give to others. the greater of $10 or 5% of the amount of the cash advance. You take a 
                                                                                       We must tell you the name of anyone to whom we reported you as delinquent,  Department, PO Box 183043, Columbus, Ohio 43218-3043.
  �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto-
                                                                                       and we must let those organizations know when the matter has been settled 
     your Account.                             mated teller machine (ATM); or get money through a ?nancial institution.           I. Arbitration and jury trial waiver
                                                                                       between us.
  Minimum Payment                            �	 Convenience Check Fee:  For any convenience check written against your            A. Jury trial waiver
                                                                                       If we do not follow all of the rules above, you do not have to pay the ?rst $50 of 
  �	 You can pay all of your Account balance at any time without  Account, you will pay a transaction fee equal to the greater of $10 or 5% of 
                                                                                       the amount you question even if your bill is correct. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
     penalty.                                  the amount of the convenience check.                                               TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
  �	 You must pay at least the Total Minimum Payment for each billing period by  �	 Balance Transfer Fee:  For any balance transfer from another account, you 
     the Payment Due Date shown on your Statement. will pay a transaction fee equal to the greater of $10 or 3% of the amount 
  �	 The Minimum Payment is the total of the minimum payments for the Regu- of the balance transfer.
     lar Revolving and promotional Credit Plans plus any Past Due amounts. �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
  �	 The Total Minimum Payment won�t be less than $25.00. If your Account  States or in a foreign currency, you will pay a transaction fee equal to 3% 
     balance is less than $25.00, you must pay the amount indicated on your  of the U.S. dollar amount of the transaction.  If a charge or cash advance 
                                                                                                               *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
     Statement in full.                        is converted into U.S. dollars our network providers (Visa, MasterCard, and 
  �	 The minimum payment for each Credit Plan is calculated as follows: Discover) will select either (1) a rate from the range of rates available in 
     o  The minimum payment for the Waive Interest, Payment Required and  wholesale currency markets for the applicable central processing date, 
       Defer Interest, Payment Required Credit Plans will be the greater of: which may vary from the rate the network provider itself receives, or (2) a 
          (a) $5.00 or                         government-mandated rate in effect for the applicable central processing 
          (b) 1% (rounded up to the nearest $1.00) of the New Balance  date.             rev.	04/13
                                             �	 Return Convenience Check Fee: For each convenience check written against          No   No No No
          shown on your Statement for that Credit Plan.                                                                                         Yes Yes Yes
     o  The minimum payment for the Waive Interest, Equal Payment and  your Account which fails to clear and is returned unsatis?ed, you will pay a 
       Defer Interest, Equal Payment Credit Plans will be the amount of the  fee of up to $35. 
                                                                                                                              this sharing?
       purchase divided by the number of months between the date of the  �	 Stop Payment Fee: For each convenience check written against your Ac- Can you limit  
       purchase and the promotional period end date (minimum $5.00)  count on which you request us to stop payment, you will pay a fee of up to 
       rounded up to the nearest $1.00.        $35, regardless of whether we actually stop payment on the convenience 
     o  The minimum payment for the Low APR, Equal Payment Credit Plan  check.
       will be the amount of the purchase including the calculated interest  E. Other important information 
       charges that will be assessed from the date of purchase through the  Collection costs
       end of the promotional period divided by the number of months be- To the extent not prohibited by applicable law, you agree to pay the reasonable 
       tween the date of the purchase and the promotional period end date                                                         Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
                                             costs for collecting amounts due, including reasonable attorney�s fees and court  share?
       (minimum $5.00) rounded up to the nearest $1.00. costs incurred by us or another person or entity.
     o  The minimum payment for the Waive Interest, Low Payment and Defer  Changes
       Interest, Low Payment Credit Plans will be the greater of:                                                           Does Comenity 
                                             We may add, change, or delete the terms of your Account. If required by appli-
          (a) $5.00 or
                                             cable law, we will give you advance written notice of the change(s) and a right to 
          (b) 1.0% (rounded up to the nearest $1.00) of the New Balance 
                                             reject the change(s).
          shown on your Statement for that Credit Plan.
                                             Security Interest
  Payment application
                                             You grant us a security interest in all goods you purchase through the use of the 
  �	 We reserve the right to apply payments equal to or less than the Total Mini-
                                             Account, now or at any time in the future and in all accessions to and proceeds of 
     mum Payment however we see ?t, which may result in balances subject to 
                                             such goods. We waive any security interest we may have in your principal dwell-
     lower interest rates being paid prior to other balances. This may also result 
                                             ing, to the extent that it would otherwise secure any obligation arising hereunder.
     in higher interest charges.
                                             Changes to your information
  �	 Any payment you make in excess of the required Total Minimum Payment 
                                             You agree to notify us immediately of any changes to your name, mailing address, 
     will be allocated to your Account as required by applicable law.
                                             electronic mail address or telephone number(s).
  �	 Excess payments received before a deferred interest promotion expires are 
                                             Governing Law
     applied to the deferred interest promotional balance ?rst in the last two 
     billing periods of the promotional period. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
                                             THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
  D. Interest, fees and charges
                                             MITTED OR REQUIRED BY APPLICABLE LAW.
  Interest charges                           Transfer of Rights/Assignment
  �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
     transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal  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.
     transfer to avoid incurring a Finance Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
     convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time  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.
     check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent.   information
     vances, the date of the advance is the date you obtained the advance. No Waiver of Rights
  �	 If you make a purchase under a Regular Revolving Credit Plan, interest 
                                             We can delay enforcing our rights under this Agreement without losing them.
     charges won�t be imposed in any billing period in which (i) no Previous Bal-
                                             Severability
     ance exists or (ii) payments received and credits issued by the Payment Due 
                                             If any provision of this Agreement is in con?ict with applicable law, that provision 
     Date, equal or exceed the Previous Balance.
                                             will be considered to be modi?ed to conform with applicable law.
  �	 If the New Balance shown on your last Statement isn�t paid in full by the 
                                             Notice to New Jersey Residents
     Payment Due Date shown on your last Statement, there will be an interest                                               Reasons we can share your personal  
     charge on each purchase from the date of purchase. All provisions of this agreement are valid, enforceable and applicable in New 
                                                                                             FACTS  Why?     What?    How?                                    sharing
  �	 If you make a purchase under any Waive Interest Credit Plan, we won�t  Jersey.
                                                                                                                                                            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
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-905; PO #0094014513; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent 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:  B. Keeping your account in good standing charge interest on the purchase if you pay the total purchase amount be- F. Disputes and Reporting to Consumer Reporting Agencies Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
 fore the end of the promotional period. If you don�t pay the total purchase  If you are dissatis?ed with the goods or services that you have purchased with 
 Avoiding default Credit Reports
 amount before the end of the promotional period, we�ll add the remaining  your credit card, and you have tried in good faith to correct the problem with the 
 You�ll be in default under this Agreement if you: �	 You give us permission to investigate your credit record.
 amount to your Regular Revolving balance. We�ll also begin charging inter- merchant, you may have the right not to pay the remaining amount due on the 
 �	 Fail to make any payment when due �	 You agree that a credit report may be requested in connection with the 
 est on the purchase from the ?rst day after the promotional period ends. purchase.
 �	 Violate any provision of this Agreement processing of your credit application. A report may also be requested in 
 �	 If you make a purchase under any Defer Interest Promotional Credit Plan  To use this right, all of the following must be true:
 �	 Pass away connection with a credit extension, credit limit request, Account renewal or 
 and don�t pay the total amount before the end of the promotional period,  1. The purchase must have been made in your home state or within 100 miles 
 �	 Become the subject of bankruptcy or insolvency proceedings update, Account collection action, or dispute investigation. Upon request, 
 we�ll add the remaining purchase amount and the amount of accrued inter- of your current mailing address, and the purchase price must have been more 
 �	 Supply us with misleading, false, incomplete or incorrect information we will tell you the name and address of any consumer reporting agency that 
 est to your Regular Revolving balance.      than $50. (Note: Neither of these are necessary if your purchase was based on 
 �	 Are unable or unwilling to perform the terms or conditions of this Agreement furnished a report on you. You consent to the obtaining of such reports by 
 �	 If you make a purchase under a Low APR, Equal Payment Credit Plan,  an advertisement we mailed to you, or if we own the company that sold you the 
 �	 Fail to supply us with any information we deem necessary signing or otherwise submitting an application or solicitation.
 interest will be assessed from the date of purchase through the end of the  goods or services.)
 �	 Default under any other loan or agreement you have with us or any of our  �	 You understand that we may report negative information (such as, late pay-
 promotional period.                         2. You must have used your credit card for the purchase. Purchases made with 
 af?liates ments, missed payments, or other defaults) about your Account to con-
 How we calculate Interest Charges on your Account cash advances from an ATM or with a check that accesses your credit card ac-
 �	 Become incompetent sumer reporting agencies.
 We calculate interest separately for each Credit Plan, using a �Daily Balance�  count do not qualify.
 �	 Exceed your Credit Limit �	 You give us permission to provide information about your Account to con-
 to determine interest charges for each billing period. Our calculation method is  3. You must not yet have fully paid for the purchase.
 �	 Issue a payment returned unpaid by your bank for any reason sumer reporting agencies and other creditors, as well as to the retailer 
 as follows:                                 If all of the criteria above are met and you are still dissatis?ed with the purchase, 
 If we consider your Account in default, we may suspend your ability to make  whose name appears on your Card.
 �	 We start with the beginning balance on your Account each day (including  contact us in writing at:
 charges, close your Account, require you to pay the full amount you owe im- Credit report disputes
 unpaid interest charges and fees).          Comenity Capital Bank
 mediately or take any other action permitted by law. If applicable law requires  If you believe the Account information we reported to a consumer reporting agen-
 �	 We subtract any payments or credit adjustments (treating any net credit  PO Box 182620, Columbus, Ohio 43218-2620
 us to do so, we�ll tell you in advance and/or give you the opportunity to remedy  cy is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO 
 balance as a zero balance) and add new transactions and debit adjustments  While we investigate, the same rules apply to the disputed amount as discussed 
 your default. Box 182120, Columbus, Ohio 43218-2120. 
 posted as of that day. This gives us the �Partial Daily Balance� for the day. above. After we ?nish our investigation, we will tell you our decision. At that 
 Reporting a lost or stolen card (as applicable) Your written dispute must provide suf?cient information to identify the Account 
 �	 We then multiply the Partial Daily Balance for the day by the Daily Periodic  point, if we think you owe an amount and you do not pay, we may report you as 
 If you notice the loss or theft of your credit card or a possible unauthorized use  and specify why the information is inaccurate:
 Rate. This gives us the �Daily Interest Charge� for the day, which we add to  delinquent.
 of your card, you should write to us immediately at PO Box 183003, Columbus,  �	 Account Information:  Your name and Account number
 the day�s Partial Daily Balance.            G. Optional products
 Ohio 43218-3003 or call us at 1-877-882-3535  (TDD/TTY: 1-888-819-1918).  �	 Contact Information:  Your address and telephone number
 �	 We�ve now determined the �Daily Balance,� which will be the beginning 
 You will not be liable for any unauthorized use that occurs after you notify us.  �	 Disputed Information:  Identify the Account information disputed and ex- Credit insurance (as applicable)
 balance for the following day. This results in daily compounding of interest 
 You may, however, be liable for unauthorized use that occurs before your notice  plain why you believe it is inaccurate Purchasing credit insurance is optional. If you do choose to carry credit insur-
 charges.
 to us.  In any case, your liability will not exceed $50. �	 Supporting Documentation:  If available, provide a copy of the section of  ance coverage, the premium charge will be added to your Account as a purchase 
 �	 At the end of each billing period, we add together each Credit Plan�s Daily 
 C. Learning more about your account the credit report showing the Account information you are disputing on the last day of each billing period.  You can cancel your coverage at any time.
 Interest Charge, which gives us the total interest charge.
 Credit Plans We will investigate the disputed information and report the results to you within  Account Assure Pro Debt cancellation (as applicable)
 �	 Your Statement will show a Balance Subject to Interest Rate, which is the 
  30 days of receipt of the information needed for our investigation. If we ?nd that 
 �	 Your Account may consist of a non-promotional (�Regular Revolving�) Cred- �	 Purchasing Account Assure Pro is optional.
 sum of the Daily Balances for each day in the billing period divided by the 
  the Account information we reported is inaccurate, we will promptly provide the 
 it Plan and one or more promotional Credit Plans. Credit Plans offered and  �	 Your decision whether or not to purchase Account Assure Pro won�t affect 
 total number of days.
  necessary correction to each consumer reporting agency to which we reported 
 their particular features (including but not limited to minimum purchase  your application for credit or the terms of any existing credit agreement you 
 Rates
  the information.
 requirements and minimum payment) may vary occasionally at our discre- have with us.
 �	 The Index in effect for each billing period will be the highest �Prime Rate� 
  Your Billing Rights: Keep This Document For Future Use
 tion and include one or more Regular Revolving or promotional Credit Plans. �	 The monthly fee for Account Assure Pro is based on the outstanding month-
 of interest as published in the �Money Rates� section of The Wall Street 
 �	 We may offer different promotional Credit Plans from time to time. This notice tells you about your rights and our responsibilities under the Fair  ly balance on your Account each month and will be added to your State-
 Journal for the calendar month preceding the month in which the billing pe-
 �	 If a promotional Credit Plan is offered at the time you open your Account,  Credit Billing Act. ment.
 riod begins, rounded upward if necessary, to the nearest .001% (�Index�). 
 this Agreement will include information about the terms for the Plan, by  What To Do If You Find A Mistake On Your Statement �	 We�ll provide additional information before you�re required to pay for Ac-
 �	 Any variable APR may increase if the Index increases.
 use of an insert, attachment, or other written information provided as part  If you think there is an error on your statement, write to us at: Comenity Capital  count Assure Pro. This will include a copy of the terms and conditions 
 �	 An increase or decrease in the APR will result in a corresponding increase 
 of this Agreement. Bank, PO Box 182620, Columbus, Ohio 43218-2620 pertaining to Account Assure Pro.
 or decrease in the amount of interest and may increase the Total Minimum 
 �	 Normal late fees, returned payment fees and all other provisions apply to  In your letter, give us the following information: �	 You can cancel your Account Assure Pro at any time.
 Payment.
 any promotional Credit Plan, unless inconsistent with a particular Credit  �	 Account information: Your name and account number. �	 There are eligibility requirements, conditions, and exclusions that could 
 Other fees and charges
 Plan offering. �	 Dollar amount: The dollar amount of the suspected error. prevent you from receiving bene?ts under Account Assure Pro.
 You agree to pay the following fees and charges:
 �	 If the promotional Credit Plan purchase isn�t paid in full before the promo- �	 Description of problem: If you think there is an error on your bill, describe  �	 Be sure to carefully read the Addendum for a full explanation of the terms 
 �	 Late Fee: If you don�t pay at least the Minimum Payment Due by the Pay-
 tional period ends, the balance will be transferred to your Regular Revolving  what you believe is wrong and why you believe it is a mistake. of Account Assure Pro.
 ment Due Date, we will charge you a late fee.
 balance. You must contact us:               H. Communicating with us
 o  The fee is $25.00 if you were not charged a late fee during any of the 
 �	 Promotional Credit Plans may include: �	 Within 60 days after the error appeared on your statement.
 prior six billing periods.                  Communicating to you about your Account
 o Waive Interest, Payment Required  o  Defer Interest, Payment Required �	 At least 3 business days before an automated payment is scheduled, if you 
 o  Otherwise, the fee is $35.00.            If we need to contact you to service your Account or to collect amounts you owe 
 o Waive Interest, Equal Payment  o  Defer Interest, Low Payment want to stop payment on the amount you think is wrong.
 o  This fee will never exceed the minimum payment due that was due  to us, you give direct consent to us, as well as servicers, agents, contractors and 
 o Waive Interest, Low Payment  o  Low APR, Equal Payment You must notify us of any potential errors in writing. You may call us, but if you 
 immediately prior to the date on which the fee was assessed. collectors of your Account, to communicate with you in any way, such as calling, 
 o Defer Interest, Equal Payment  o  Budget Payment do we are not required to investigate any potential errors and you may have to 
 �	 Returned Payment Fee: We may charge you a fee for each payment that your  texting, or electronic mail via:
 Skip-payment option pay the amount in question.
 bank doesn�t honor for any reason.          1)  a cell, landline, or text number you provide, use to contact us, or at which 
  What Will Happen After We Receive Your Letter
 �	 At our discretion, we may allow you to skip making the Minimum Payment. o  The fee is $25.00 if you were not charged a returned payment fee  we believe we can reach you (even if it is not yours),
  When we receive your letter, we must do two things:
 �	 Finance Charges will be assessed during the skip-payment period, but a late  during any of the prior six billing periods. 2)  any electronic mail address you provide to us or one of our merchants,
  1.  Within 30 days of receiving your letter, we must tell you that we received your 
 fee won�t be imposed.  This will not be considered a waiver of any of the  o  Otherwise, the fee is $35.00. 3)  automated dialer systems and automatic telephone dialing systems,
    letter. We will also tell you if we have already corrected the error.
 rights granted by this Agreement. o  This fee will never exceed the minimum payment due that was due  4)  pre-recorded or arti?cial voice messages and other forms of communica-
  2.  Within 90 days of receiving your letter, we must either correct the error or 
 �	 All other terms of your Account apply during the skip-payment period. immediately prior to the date on which the fee was assessed. tions.
    explain to you why we believe the bill is correct.
 Credit limit �	 Although we may decide to do so, we aren�t required to attempt to collect a  You also agree that these communications aren�t unsolicited for purposes of any 
  While we investigate whether or not there has been an error:
 �	 Your Credit Limit is the total maximum amount we permit you to owe us at  payment more than once. state or federal law, and you understand that this may result in additional mobile, 
  �	 We cannot try to collect the amount in question, or report you as delinquent 
 any time. �	 Document Fees: If we provide you with a copy of any Statement, sales draft  text message, or data charges.
     on that amount.
 �	 You may not exceed any Credit Limit that we set for your Account. or similar document at your request (except in connection with billing error  Phone monitoring
  �	 The charge in question may remain on your statement, and we may continue 
 �	 If you do exceed your Credit Limit, we can still charge you for all transac- inquiries or resolution), we may charge the Account the following fee(s), 
     to charge you interest on that amount.  �	 To provide you with high-quality service, phone communication with us is 
 tions, interest and other charges without giving up any of our rights under  subject to any limitations of applicable law:
  �	 While you do not have to pay the amount in question, you are responsible  monitored and/or recorded.  
 this Agreement. o  Statement copy - $6.00
     for the remainder of your balance.      �	 You agree that we monitor and/or record any phone calls between you and 
 �	 We may change your Credit Limit at any time. o  Sales/Credit Draft copy - $6.00
  �	 We can apply any unpaid amount against your credit limit. us.  
 Account cancellation o  Check/Money Order copy - $6.00
  After we ?nish our investigation, one of two things will happen: �	 Please inform all authorized cardholders of this provision, including anyone 
 �	 You may cancel your Account. You�re still obligated to pay the full amount  �	 Alternative Payment Method Fee: We may offer alternative payment meth-
  �	 If we made a mistake: You will not have to pay the amount in question or  acting on your behalf or making payments on this Account.
 you owe us. ods that allow you to make individual, expedited payments to your Account 
     any interest or other fees related to that amount. For Wisconsin residents:
 �	 We may cancel your Account at any time, for any reason. over the phone.  If you choose to use this payment method, we may assess 
  �	 If we do not believe there was a mistake: You will have to pay the amount in  If you are married, please contact us immediately upon receipt of this Agreement 
 �	 We may refuse to authorize any transaction on your Account. We may also  the current fee we charge for this service, subject to any limitations of ap-
     question, along with applicable interest and fees. We will send you a state- at 1-877-882-3535  (TDD/TTY 1-888-819-1918) and provide us with the name 
 suspend your Account and your right to use your Card, including each Card  plicable law. Currently, that fee is up to $15.00 but may change. We�ll let 
     ment of the amount you owe and the date payment is due. We may then  and address of your spouse. We are required to inform your spouse that we have 
 you give to others. you know the current fee before you authorize any payment(s), and you can 
     report you as delinquent if you do not pay the amount we think you owe. opened a credit account for you.
 �	 We may stop offering any Credit Plan at any time, for any reason. withdraw your request if you don�t want to pay the fee.
  If you receive our explanation but still believe your bill is wrong, you must write  For bankruptcy noti?cations:
 �	 Cancellation or suspension of your Account doesn�t negate your obligation  �	 Cash Advance Fee: For any cash advance obtained in person from a ?nan-
  to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  All bankruptcy notices and related correspondence to Comenity Capital Bank 
 to pay any amount you owe us. cial institution or through an ATM, you will pay a transaction fee equal to 
  report you as delinquent without also reporting that you are questioning your bill.  should be sent to the following address: Comenity Capital Bank, Bankruptcy 
 �	 Cancellation of your Account includes each Card you give to others. the greater of $10 or 5% of the amount of the cash advance. You take a 
  We must tell you the name of anyone to whom we reported you as delinquent,  Department, PO Box 183043, Columbus, Ohio 43218-3043.
 �	 Cards are issued with an expiration date. We have the right not to renew  cash advance if you use a convenience check; get money through an auto-
  and we must let those organizations know when the matter has been settled 
 your Account. mated teller machine (ATM); or get money through a ?nancial institution. I. Arbitration and jury trial waiver
  between us.
 Minimum Payment �	 Convenience Check Fee:  For any convenience check written against your  A. Jury trial waiver
  If we do not follow all of the rules above, you do not have to pay the ?rst $50 of 
 �	 You can pay all of your Account balance at any time without  Account, you will pay a transaction fee equal to the greater of $10 or 5% of 
  the amount you question even if your bill is correct. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO 
 penalty. the amount of the convenience check. TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED 
 �	 You must pay at least the Total Minimum Payment for each billing period by  �	 Balance Transfer Fee:  For any balance transfer from another account, you 
 the Payment Due Date shown on your Statement. will pay a transaction fee equal to the greater of $10 or 3% of the amount 
 �	 The Minimum Payment is the total of the minimum payments for the Regu- of the balance transfer.
 lar Revolving and promotional Credit Plans plus any Past Due amounts. �	 Foreign Transaction Fee: For any charge or cash advance outside the United 
 �	 The Total Minimum Payment won�t be less than $25.00. If your Account  States or in a foreign currency, you will pay a transaction fee equal to 3% 
 balance is less than $25.00, you must pay the amount indicated on your  of the U.S. dollar amount of the transaction.  If a charge or cash advance 
                          *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *
 Statement in full. is converted into U.S. dollars our network providers (Visa, MasterCard, and 
 �	 The minimum payment for each Credit Plan is calculated as follows: Discover) will select either (1) a rate from the range of rates available in 
 o  The minimum payment for the Waive Interest, Payment Required and  wholesale currency markets for the applicable central processing date, 
 Defer Interest, Payment Required Credit Plans will be the greater of: which may vary from the rate the network provider itself receives, or (2) a 
 (a) $5.00 or government-mandated rate in effect for the applicable central processing 
 (b) 1% (rounded up to the nearest $1.00) of the New Balance  date. rev.	04/13
 �	 Return Convenience Check Fee: For each convenience check written against  No No No No
 shown on your Statement for that Credit Plan.             Yes Yes Yes
 o  The minimum payment for the Waive Interest, Equal Payment and  your Account which fails to clear and is returned unsatis?ed, you will pay a 
 Defer Interest, Equal Payment Credit Plans will be the amount of the  fee of up to $35. 
                                         this sharing?
 purchase divided by the number of months between the date of the  �	 Stop Payment Fee: For each convenience check written against your Ac- Can you limit  
 purchase and the promotional period end date (minimum $5.00)  count on which you request us to stop payment, you will pay a fee of up to 
 rounded up to the nearest $1.00. $35, regardless of whether we actually stop payment on the convenience 
 o  The minimum payment for the Low APR, Equal Payment Credit Plan  check.
 will be the amount of the purchase including the calculated interest  E. Other important information 
 charges that will be assessed from the date of purchase through the  Collection costs
 end of the promotional period divided by the number of months be- To the extent not prohibited by applicable law, you agree to pay the reasonable 
 tween the date of the purchase and the promotional period end date  Yes	 Yes	 Yes	 Yes	 Yes	 Yes	 Yes	
 costs for collecting amounts due, including reasonable attorney�s fees and court  share?
 (minimum $5.00) rounded up to the nearest $1.00. costs incurred by us or another person or entity.
 o  The minimum payment for the Waive Interest, Low Payment and Defer  Changes
 Interest, Low Payment Credit Plans will be the greater of: Does Comenity 
 We may add, change, or delete the terms of your Account. If required by appli-
 (a) $5.00 or
 cable law, we will give you advance written notice of the change(s) and a right to 
 (b) 1.0% (rounded up to the nearest $1.00) of the New Balance 
 reject the change(s).
 shown on your Statement for that Credit Plan.
 Security Interest
 Payment application
 You grant us a security interest in all goods you purchase through the use of the 
 �	 We reserve the right to apply payments equal to or less than the Total Mini-
 Account, now or at any time in the future and in all accessions to and proceeds of 
 mum Payment however we see ?t, which may result in balances subject to 
 such goods. We waive any security interest we may have in your principal dwell-
 lower interest rates being paid prior to other balances. This may also result 
 ing, to the extent that it would otherwise secure any obligation arising hereunder.
 in higher interest charges.
 Changes to your information
 �	 Any payment you make in excess of the required Total Minimum Payment 
 You agree to notify us immediately of any changes to your name, mailing address, 
 will be allocated to your Account as required by applicable law.
 electronic mail address or telephone number(s).
 �	 Excess payments received before a deferred interest promotion expires are 
 Governing Law
 applied to the deferred interest promotional balance ?rst in the last two 
 billing periods of the promotional period. THIS AGREEMENT IS GOVERNED BY UTAH AND APPLICABLE FEDERAL LAW. 
 THIS IS THE LAW WE ARE SPEAKING OF WHEN WE REFER TO A TERM PER-
 D. Interest, fees and charges
 MITTED OR REQUIRED BY APPLICABLE LAW.
 Interest charges Transfer of Rights/Assignment
 �	 There is no period in which you can pay back a cash advance, any other  Your rights under this Agreement can�t be transferred by you, by operation of law 
 transaction treated as a cash advance under this Agreement, or a balance  or otherwise, but your obligations will be binding upon your estate or personal  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.
 transfer to avoid incurring a Finance Charge. For a cash advance using a  representatives. We may transfer or assign your Account and/or this Agreement, 
 convenience check, the date of the advance is the date the convenience  or any of our rights under this Agreement, to another person or entity at any time  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.
 check is presented to us or our agent for payment. For all other cash ad- without prior notice to you or your consent. information
 vances, the date of the advance is the date you obtained the advance. No Waiver of Rights
 �	 If you make a purchase under a Regular Revolving Credit Plan, interest 
 We can delay enforcing our rights under this Agreement without losing them.
 charges won�t be imposed in any billing period in which (i) no Previous Bal-
 Severability
 ance exists or (ii) payments received and credits issued by the Payment Due 
 If any provision of this Agreement is in con?ict with applicable law, that provision 
 Date, equal or exceed the Previous Balance.
 will be considered to be modi?ed to conform with applicable law.
 �	 If the New Balance shown on your last Statement isn�t paid in full by the 
 Notice to New Jersey Residents
 Payment Due Date shown on your last Statement, there will be an interest  Reasons we can share your personal  
 charge on each purchase from the date of purchase. All provisions of this agreement are valid, enforceable and applicable in New 
       FACTS   Why?     What?    How?                                    sharing
 �	 If you make a purchase under any Waive Interest Credit Plan, we won�t  Jersey.
                                                                       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
 Trade Gothic LT Std (regular, oblique, bold no2, bold no2 oblique), Zapf Dingbats. HP 0214-905; PO #0094014513; Overall Size: 10 panel. 17 x 16.5, Paper: 40 # Accent 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: 
  TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE  that we are electing to arbitrate any Claim (or, if you dispute our right to require  �
                                                                                       Your Vitacost �  Healthy Perks MasterCard  Credit Card account            VCTCCA0314
  ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER  arbitration of the Claim, within 20 days after that dispute is ?nally resolved).  agreement. Rate Information: The following chart provides details on your variable rate(s) as 
  CONTAINED THEREIN).  YOU AND WE EACH REPRESENT THAT THIS WAIVER  If you do not select the Administrator on time, we may do it. Notwithstanding 
  IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. any language in this Arbitration Provision to the contrary, no arbitration may be  This card is issued by Comenity Capital Bank pursuant to a li- of March 1, 2014. We divide the APR by 365 to determine the daily periodic 
                                                                                                                                rate.
  B. Notice and cure                        administered, without the consent of all parties to the arbitration, by any Admin- cense from MasterCard. MasterCard is a registered trademark 
  Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris- istrator that has in place a formal or informal policy that is inconsistent with the  of MasterCard International Incorporated.  This Agreement cov- Add to Index APR Daily Periodic Rate
  ing out of or related to this Agreement (as further de?ned below, a �Claim�),  Class Action Waiver.
                                                                                       ers the Terms and Conditions of your account with us. In this 
  the party asserting the Claim (the �Claimant�) shall give the other party (the  6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU  Tier 3 Purchase APR 12.74% 15.99% 0.04380%
  �Defendant�) written notice of the Claim (a �Claim Notice�) and a reasonable  OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO  document, you will ?nd important information about using and 
  opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you  PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,  managing your account, including a Privacy Statement and infor- Tier 2 Purchase APR 16.74% 19.99% 0.05476%
  shall be sent in writing to the address we have in our records (or any updated  YOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN  mation concerning your billing rights. Your use of the account, or 
                                            ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE                      Tier 1 Purchase APR 21.74% 24.99% 0.06846%
  address you subsequently provide to us).  Any Claim Notice to us shall be sent by    failure to close the account within the 30 days of receiving this 
  mail to Comenity Capital Bank, PO Box 182436, Columbus, Ohio 43218-2436  IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
                                                                                       document, indicates your acceptance of the terms of this agree- Balance Transfers and  21.74% 24.99% 0.06846%
  (or any updated address we subsequently provide).  Any Claim Notice you send  7. Prohibition Against Certain Proceedings:  IF YOU OR WE ELECT TO ARBI- Cash Advances
                                            TRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS  ment, including the assessment of any interest charges and fees.
  must provide your name, address and Account number.  Any Claim Notice must 
  explain the nature of the Claim and the relief that is demanded.  You may only  ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAIN- Section I of this Agreement also includes a Jury Trial Waiver and  We�ll charge you a minimum interest charge of $2.00 per credit plan for any 
  submit a Claim Notice on your own behalf and not on behalf of any other party.  TIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT  an Arbitration Provision in the event of a dispute. billing period in which interest is due. For additional information, see Rates in 
  No third party, other than a lawyer you have personally retained, may submit a  AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3)  Section D.
                                                                                       �	 You have a right to reject this Arbitration Provision.
  Claim Notice on your behalf.  The Claimant must reasonably cooperate in provid- CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLI- Minimum Payment: The Minimum Payment Due is the total of minimum pay-
                                                                                       �	 If you do not reject this Arbitration Provision, it will be part 
  ing any information about the Claim that the other party reasonably requests. DATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND  ments for Regular Revolving and Promotional Credit Plan purchases plus any 
  C. Arbitration provision                  (4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT  of this Agreement and will: Past Due amounts. The total Minimum Payment Due on your account won�t be 
                                            A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION  o  Eliminate your right to a trial by jury; and less than $25.00. If your Account balance is less than $25.00, you must pay the 
  READ THIS ARBITRATION PROVISION CAREFULLY.  IF YOU DO NOT REJECT 
  THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE- OR MULTIPLE-PARTY ARBITRATION.  o  Substantially affect your rights, including your right to  amount indicated on your Statement in full. The Minimum Payment Due for each 
  LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN- 8. Location and Costs of Arbitration:  Any arbitration hearing that you attend  Regular Revolving and Cash Revolving Credit Plans will be: 
                                                                                            bring, join in or participate in class proceedings.
                                                                                                                                �	 The greater of:
  TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH  must take place at a location reasonably convenient to you. We will pay any and 
                                                                                       Please read each section carefully and keep this document for 
                                            all fees of the Administrator and/or the arbitrator if applicable law requires us      o  1% of the New Balance, excluding any new Regular Revolving or Cash 
  YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 
                                            to, if you prevail in the arbitration or if we must bear such fees in order for this  your records. Revolving Credit Plan Finance Charges shown on the Statement; or 
  1. Your Right to Reject:  If you don�t want this Arbitration Provision (and any 
                                                                                                                                   o $5.00
  prior arbitration agreement between you and us (�Prior Arbitration Agreement�))  Arbitration Provision to be enforced. If you demand an arbitration, we will pay  In the following sections, you will ?nd information on:
                                            your reasonable attorneys� and experts� fees if you prevail or if we must bear such  �	 Plus any new Regular Revolving or Cash Revolving Credit Plan Finance 
  to apply, you may reject it by mailing us a written rejection notice which gives the  Financial terms of your account: An at-a-glance summary of the fees and charges 
                                            fees in order for this Arbitration Provision to be enforced. Also, we will bear any    Charges shown on the Statement rounded up to the nearest $1.00.
  name of each Cardholder and contains a statement that you (both of you, if more      associated with your account
  than one) reject the Arbitration Provision of this Agreement. The rejection notice  fees if applicable law requires us to.    See Minimum Payment in Section C below for promotional credit plan minimum 
                                                                                       A.  Getting started: the basics of your account
  must be sent to us at Comenity Capital Bank, PO Box 182422, Columbus, Ohio  9. Governing Law:  This Arbitration Provision involves interstate commerce and  payment calculations. 
                                                                                       B.  Keeping your account in good standing: avoiding default, and what to do if 
                                            is governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16 (the �FAA�), and       The APR information described below is accurate as of March 1, 2014.  Due to a 
  43218-2422. A rejection notice is only effective if it is signed by you (all of you,   your card is lost or stolen, as applicable
  if more than one) and if we receive it within thirty (30) calendar days after the  not by any state arbitration law. The arbitrator must apply applicable substantive  change in the index, this information may have changed.   To ?nd out more, call 
                                                                                       C.  Learning more about your account: credit plans, and credit limits, and how 
                                            law consistent with the FAA and applicable statutes of limitations and claims of    us at 1-877-882-3535  (TDD/TTY: 1-888-819-1918), or write us at Comenity 
  date we ?rst provide you with a credit card agreement or written notice providing      payments are calculated and applied
                                            privilege recognized at law. The arbitrator may award any remedy provided by the    Capital Bank, PO Box 183003, Columbus, Ohio 43218-3003 or visit our web-
  you a right to reject this Arbitration Provision. Your rejection of this Arbitration  D.  Interest, fees and charges: when and how fees and costs are applied to your 
                                            substantive law that would apply if the action were pending in court (including,    site at vitacostmastercard.com.
  Provision will not affect any other provision of this Agreement or your ability to     account
  obtain credit.                            without limitation, punitive damages, which shall be governed by the Constitu-      A. Getting Started
                                                                                       E.  Other important information: legal rights, costs, and how we�ll handle 
  2. Parties Subject to Arbitration:  Solely as used in this Arbitration Provision  tional standards employed by the courts). At the timely request of either party, 
                                                                                         changes to your account                De?nitions
  (and not elsewhere in this Agreement), the terms �we,� �us� and �our� mean (a)  the arbitrator must provide a brief written explanation of the basis for the award.
                                            10. Right to Discovery:  In addition to the parties� rights to obtain discovery  F.  Disputes and reporting to consumer reporting agencies: data we provide,  In this Agreement, �We,� �Us� and �Our� mean Comenity Capital Bank. �You� 
  Comenity Capital Bank, any parent, subsidiary or af?liate of the Bank and the                                                 and �Your� mean each person who submits an application or solicitation for an 
  employees, of?cers and directors of such companies (the �Bank Parties�); and  pursuant to the arbitration rules of the Administrator, either party may submit  and receive from, consumer reporting agencies, and what to do if you think 
                                                                                         there is an error on your periodic statement Account with us. �Account� means your credit card account with us. �Card� 
  (b) any other person or company that provides any services in connection with  a written request to the arbitrator to expand the scope of discovery normally al-
  this Agreement if you assert a Claim against such other person or company at the  lowable under the arbitration rules of the Administrator. The arbitrator shall have  G.  Optional products: how to protect your account from fraud or theft, and  means each credit card we issue for your Account, as applicable. �Credit Plan� 
                                                                                         information on services that can help pay your debt in case of emergencies means one or more payment program options Vitacost.com may ask us to offer 
  same time you assert a Claim against any Bank Party. discretion to grant or deny that request.
                                                                                                                                from time to time.
                                            11. Arbitration Result and Right of Appeal:  Judgment upon the arbitrator�s  H.  Communicating with us: what happens when you contact us
  3. Covered Claims:  �Claim� means any claim, dispute or controversy between                                                   Upholding your Agreement
  you and us that in any way arises from or relates to this Agreement, the Account,  award may be entered by any court having jurisdiction. The arbitrator�s decision  I.  Arbitration and jury trial waiver: how we�ll resolve disagreements, including 
  the issuance of any Card, any rewards program, any prior agreement or account.  is ?nal and binding, except for any right of appeal provided by the FAA. However,  a jury trial waiver and Arbitration provision �	 You agree to the terms of this Agreement, and promise to do everything 
                                                                                                                                   required of you. If you sign or submit an application or solicitation to obtain 
  �Claim� includes disputes arising from actions or omissions prior to the date  if the amount of the Claim exceeds $50,000 or involves a request for injunctive  Privacy statement: how we collect, use, share, and protect your personal informa-
  any Card was issued to you, including the advertising related to, application for  or declaratory relief that could foreseeably involve a cost or bene?t to either party  credit from us, you�ll be legally bound by this Agreement. You�re also legally 
                                                                                       tion; and the privacy choices you can make.
  or approval of the Account. �Claim� has the broadest possible meaning, and  exceeding $50,000, any party can, within 30 days after the entry of the award  bound if you sign a charge slip, or permit someone else to use the credit 
                                                                                       Financial terms of your account
                                            by the arbitrator, appeal the award to a three-arbitrator panel administered by the    provided.
  includes initial claims, counterclaims, cross-claims and third-party claims. It                                                  You agree that the credit extended under your Account will be used only for 
  includes disputes based upon contract, tort, consumer rights, fraud and other  Administrator. The panel shall reconsider anew any aspect of the initial award  �	
                                                                                       Interest Rates and Interest Charges
                                            requested by the appealing party. The decision of the panel shall be by majority       personal, family or household purposes and not for business or commercial 
  intentional torts, constitution, statute, regulation, ordinance, common law and 
  equity (including any claim for injunctive or declaratory relief). �Claim� does not  vote. Reference in this Arbitration Provision to �the arbitrator� shall mean the  purpose.
                                                                                                    15.99%, 19.99%,             �	 If the Account is a joint Account, you and the joint Account holder will 
  include disputes about the validity, enforceability, coverage or scope of this Arbi- panel if an appeal of the arbitrator�s decision has been taken. The costs of such 
  tration Provision or any part thereof (including, without limitation, the prohibition  an appeal will be borne in accordance with Paragraph C.8. above. be bound by this Agreement. Each of you will be jointly and individually 
                                            12. Rules of Interpretation:  This Arbitration Provision shall survive the repay-      responsible for repaying all amounts due.  If more than one person is re-
  against class proceedings, private attorney general proceedings and/or multiple                   or 24.99%  when you 
                                                                                       Annual Percentage 
  party proceedings described in Paragraph C.7 (the �Class Action Waiver�), the  ment of all amounts owed under this Agreement, the closing of the Account, any  sponsible for this Account, we will only provide billing statements and com-
                                                                                                    open your account, based on your 
  last sentence of Paragraph C.13 and/or this sentence); all such disputes are for  legal proceeding and any bankruptcy to the extent consistent with applicable  Rate (APR) for  munications to one of you.
                                                                                                    creditworthiness.
  a court and not an arbitrator to decide. However, any dispute or argument that  bankruptcy law.  In the event of a con?ict or inconsistency between this Arbitra- World Financial Capital Bank is a Comenity SM company. Purchases �	 Any authorized user of your Account will be bound by the terms of this 
                                            tion Provision, on the one hand, and the applicable arbitration rules or the other     Agreement. One additional Card may be issued with the individual name of 
  concerns the validity or enforceability of the Agreement as a whole is for the  Salt Lake City, UT
                                                                                                                                   an authorized user embossed on the Card. If you want to revoke the use of 
  arbitrator, not a court, to decide.       provisions of this Agreement, on the other hand, this Arbitration Provision shall  After that, this APR will vary with the 
  4. Starting an Arbitration:  Arbitration may be elected by any party with respect  govern.  This Arbitration Provision replaces any Prior Arbitration Agreement. your Account by an authorized user, either write us at the address, or call us 
                                                                                                    market based on the Prime Rate.
  to any Claim, even if that party has already initiated a lawsuit with respect to a  13. Severability:  If any portion of this Arbitration Provision, other than the Class  at the phone number, shown on your Statement.
                                            Action Waiver, is deemed invalid or unenforceable, the remaining portions shall     �	 You agree to pay for all transactions made on your Account by an authorized 
  different Claim. Arbitration is started by giving a written demand for arbitration   APR for Balance  24.99%
                                                                                                                                   user, whether or not such transactions were authorized by you or made for 
  to the other party. We will not demand to arbitrate an individual Claim that you  nevertheless remain in force. If a determination is made that the Class Action  Transfers and Cash  This APR will vary with the market 
                                                                                                                                   your bene?t.
  bring against us in small claims court or your state�s equivalent court, if any. But  Waiver is unenforceable, only this sentence of the Arbitration Agreement will re- World Financial Capital Bank is a Advances based on the Prime Rate.
  if that Claim is transferred, removed or appealed to a different court, we then  main in force and the remaining provisions shall be null and void, provided that  Card signature (as applicable)
                                                       Comenity SM company.
  have the right to demand arbitration.     the determination concerning the Class Action Waiver shall be subject to appeal.    For your own protection, please sign your Card before using it. Keep in mind that 
                                                       Salt Lake City, UT                           Your due date is at least 23 days after 
  5. Choosing the Administrator:  �Administrator� means the American Arbitration  14. Special Payment:  If (1) you submit a Claim Notice in accordance with  your signature on the Card isn�t a prerequisite to your obligation to pay amounts 
                                                                                                    the close of each billing cycle. We will 
  Association (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www. Paragraph B above on your own behalf (and not on behalf of any other party);  incurred on your Account.
                                            (2) we refuse to provide you with the relief you request; and (3) an arbitrator  not charge you interest on purchases  Using your Account
  adr.org; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.
                                            subsequently determines that you were entitled to such relief (or greater relief),  if you pay your entire balance by the  �	 Your Account may be used to make purchases from anywhere MasterCard is 
  jamsadr.com; or any other company selected by mutual agreement of the par-           Paying Interest
  ties. If both AAA and JAMS cannot or will not serve and the parties are unable  the arbitrator shall award you at least $5,100 (plus any fees and costs to which  due date each month.   We will begin  accepted.
  to select an Administrator by mutual consent, the Administrator will be selected  you are entitled). charging interest on balance transfers  �	 We reserve the right to not honor transactions related to, including, but not 
                                                                                                                                   limited to, gambling, ATM usage at casinos, and illegal activities.
  by a court. The arbitrator will be appointed by the Administrator in accordance                   and cash advances on the transaction 
                                                       Comenity Capital Bank, Salt Lake City, UT                                �	 You may obtain a loan from us under your Account by using your Card or 
  with the rules of the Administrator. However, the arbitrator must be a retired or 
                                                                                                    date.                          a convenience check as follows: by purchasing goods or services with your 
  former judge or a lawyer with at least 10 years of experience. You get to select the 
                                                                                                                                   Card or your Account number; by obtaining a cash advance from a ?nancial 
  Administrator if you give us written notice of your selection with your notice that  VCTCCA0314 Minimum Interest  If you are charged interest, the charge 
                                                                                                                                   institution, by use of an ATM; by using a convenience check; or, by incurring 
  you are electing to arbitrate any Claim or within 20 days after we give you notice 
                                                                                       Charge       will be no less than $2.00 per credit  charges authorized by this Agreement.
                                                                                                    plan                        �	 From time to time, in our sole discretion, we may send you convenience 
                                                                                                                                   checks for use in borrowing under this Agreement. All convenience checks 
                                                                                                    To learn more about factors to consider  you use will be treated as cash advances under this Agreement, and subject 
                                                                                       For Credit Card 
                                                                                                    when applying for or using a credit  to the terms and fees that apply to cash advances, unless we advise you 
                                                                                       Tips from the                               otherwise.
                         *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *                             card, visit the website of the Consumer 
 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;   Consumer Financial  �	 You agree that convenience checks that you use will not be returned to you.
   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 Financial Protection Bureau at http://
                   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 Protection Bureau �	 You may not use the convenience checks to make payments on any Co-
                                                                                                    www.consumer?nance.gov/learnmore. menity Capital Bank Account.
                                                                                                                                �	 You agree not to use a convenience check, and we do not have to pay any 
                                                                                       Fees                                        convenience check:
                                                                                                                                   o  if you are in default under this Agreement;
                                                                                       �	   Annual	Fee     None                    o  if payment of that convenience check would cause your outstanding 
                                                                                                                                     cash advance balance to exceed your cash advance limit; or
                                                                                       Transaction Fees                            o  if we cancel or suspend your right to use convenience checks
                                                                                       �	   Balance	Transfer The greater of $10 or 3% of  �	 From time to time, in our sole discretion, we may offer you the ability to 
                                                                                                           the amount of the balance  transfer account balances from other credit card accounts you may have 
                                                                                                           transfer.               to the Account. We may, in our sole discretion, offer promotional plans for 
                                                                                                                                   such balance transfers.
                                                                           including Comenity Bank and Comenity Capital Bank. This privacy notice is provided by the Comenity family of companies,  �	 Cash	Advance The greater of $10 or 5% 
                    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,  �	 You may use the Card to obtain cash advances through certain ATMs. You 
                                                                                                           of the amount of the cash  will be given a Personal Identi?cation Number (PIN) which must be used in 
                                                                                                           advance.                order to obtain an ATM cash advance.
                                                                                       �	   Convenience	Checks The greater of $10 or  o  Some limitations on ATM cash advances may apply, such as limita-
                                                                                                           5% of the amount of the   tions on dollar amount, number, or currency denominations.
                                                                                                                                   o  You agree that any charges imposed by third parties for use of their 
                                                                                                           convenience check.
                                                                                                                                     ATM facilities will be added to your Account balance as a cash ad-
                                                                                       �	   Foreign	Transaction 3% of each transaction in  vance.
                                                                                                           U.S. dollars.        �	 If you make a purchase or obtain a cash advance in a foreign currency, 
                                                                                                                                   it will be converted by MasterCard into U.S. dollars in accordance with 
                                                                                       Penalty Fees                                MasterCard Operating Regulations in effect at the time the transaction is 
                                                                                       �	   Late	Payment   Up to $35.00            processed.
                                                                                       �	   Returned	Payment Up to $35.00          o  The currency conversion rate in effect on the processing date may dif-
                                                                                                                                     fer from the rate in effect on the transaction date or the posting date.
                                                                                       How We Will Calculate Your Balance: We use a method called  o  The currency conversion rate used may be the same as, greater than, or 
                                                                                                                                     less than the amount that would be calculated by conversion through 
                                                                                       �daily balance.� See your Account agreement for more details.
                                                                                                                                     a ?nancial institution in the country in which the purchase or cash 
                                                                                       Billing Rights: Information on your rights to dispute  advance occurred.
                                                                                                                                Making payments
                                                                                       transactions and how to exercise those rights is provided in your 
                                                                                                                                �	 Pay your Account by sending a check, money order, or cashier�s check pay-
                                                                                       account agreement.
                                                                                                                                   able in U.S. dollars, to the name and address shown on your Statement 
                                                                                                                                   speci?ed for payments. Please don�t send cash.
                                                                                       Comenity Capital Bank 1-877-882-3535  (TDD/TTY 1-888-819-1918)
                                                                                                                                �	 Be sure to include your payment stub, do not staple your payment to the 
                                                                                       New York Residents: New York Residents may contact the New York state Depart-
                                                                                                                                   stub, use the envelope provided with your Statement and don�t send any 
                                                                                       ment of Financial Services by telephone or visit its website for free information 
                                                                                                                                   correspondence with your payment.
                                                                                       on comparative credit card rates, fees, and grace periods. New York Department 
                                                                                                                                �	 If your payment doesn�t meet these requirements, it may not be credited to 
                                                                                       of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.
                                                                                                                                   your Account for up to ?ve days, or may be rejected.
                                                                                                                                �	 All written communications concerning disputed amounts, including any 
                                                                                                                                   check or other payment instrument marked with �payment in full� or similar 
                                                                                                                                   language, must be sent to 6550 North Loop 1604 East, Suite 101, San 
                                                                                                                                   Antonio, Texas 78247-5004.
                                                                                                                                   o  We may accept a payment sent to any other address without losing any 
                                                                                                                                     of our rights.
                                                                                                                                   o  No payment shall operate as an accord and satisfaction without our 
                                                                                                                                     prior written approval.
      Pricing Addendum   
       
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                          Prime rate plus 12.74%, 16.74% or 21.74% 
      (APR) for Purchase 
                          This APR will vary with the market based on the Prime Rate. 
                             
      APR for Balance Transfers  Prime rate plus 21.74%. 
      and Cash Advances   This APR will vary with the market based on the Prime Rate. 
      Paying Interest     Your due date is at least 23 days after the close of each billing cycle. We will not 
                          charge you interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.00 per credit plan. 
      
      Fees 
      �  Annual Fee     None 
      Transaction Fees   
      �  Balance Transfer  The greater of $10 or 3% of the amount of the balance transfer. 
      �  Cash Advance   The greater of $10 or 5% of the amount of the cash advance. 
      �  Convenience Check  The greater of $10 or 5% of the amount of the convenience check. 
      �  Foreign Transaction  3% of each transaction in U.S. dollars. 
      Penalty Fees       
      �  Late Payment   Up to $35 
      �  Returned Payment  Up to $35 
      Balance Computation  We use a method called "daily balance (including new purchases)." 
      Method