2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 1/18IMPORTANT INFORMATION REGARDING ELECTRONIC
COMMUNICATION
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS
Prior to applying for a(n) Adorama Credit Card, Comenity Capital Bank requests your consent to provide you
important information electronically.
You understand and agree that Comenity Capital Bank may provide you with all required application
disclosures regarding your Adorama Credit Card application in electronic form. These disclosures include, but
are not limited to, Terms and Conditions, the Your Adorama Credit Card Account Agreement and Customer
Privacy Statement.
You agree to keep us updated at all times with your current contact information. If your contact information
has changed please contact us at 1-855-898-8338 (TDD/TTY: 1-888-819-1918).
This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please
visit Account Center.
At your request, we will provide you with paper copies of these disclosures. You have the right to withdraw
consent, without a fee. Please call us at 1-855-898-8338 to withdraw your consent to receive electronic
disclosures.
In order to receive electronic communications and to obtain the best view of these communications you will
need access to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS,
the capability to download and print these disclosures, and Adobe Reader to view PDF files. You may
download it for free at https://get.adobe.com/reader/. By selecting the "Submit" button, you confirm that your
system meets these requirements and that you have the capability to access and download or print
electronic disclosures.
We recommend that you retain a copy of these disclosures for your records.
If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the
customer service desk.
Rate and Fee Summary
This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the
Adorama Credit Card Account. Read it and keep it.
Interest Rates and Interest
Charges
Annual Percentage Rate (APR)
for Purchases29.99%
How to Avoid Paying Interest Your due date is at least 25 days after the close of
each billing period. We will not charge you interest on
purchases if you pay your entire balance by the due
date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less
than $2 per credit plan.
For Credit Card Tips from the
Consumer Financial Protection
BureauTo learn more about factors to consider when
applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.
Fees 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 2/18Annual Fee None
Penalty Fees
� Late Payment
� Returned PaymentUp to $38
Up to $38
How We Will Calculate Your Balance: We use a method called "daily balance (including
current transactions)." Review your Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided in your Agreement.
Wisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General
phone number in the How to Contact Us section below and give us your spouse�s name and address.
Print Date: This Summary was printed September 2019. The information was accurate as of that date
but may have changed. To find out more, contact us at the General mailing address or phone number
in the How to Contact Us section below.
Issuer Name: Your Card is issued by Comenity Capital Bank.
Governing Law: This loan is made in Utah and this Agreement is governed by Utah and federal law.
Rate Information: The following chart provides details on your rates as of the Print Date shown
above. If this Agreement was provided at point of sale, review the Agreement with your welcome
package for variable rate information in effect within 30 days of mailing.
APRDaily Periodic
RateMargin
Purchases 29.99% 0.08216% N/A
(v) = variable
Annual Fee: If there is an Annual Fee in the Fee table above, this fee will be charged with the close
of your first billing period and annually thereafter. We will refund this fee if you close your Account
within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is
otherwise non-refundable.
Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is
$27 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $38. This
fee will not exceed the amount permitted by law.
Returned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment
Fee even if the payment is honored on resubmission. The fee is $27 if you were not charged a
Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $38. This fee will
not exceed the amount permitted by law.
Alternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If
you do, we may charge a fee. Currently, that fee is up to $15. We�ll let you know the current fee
before you authorize any payment and you can withdraw your request if you don�t want to pay the fee.
Promotional Credit Plan Details for Adorama Credit Card: Purchases of $500.00 or more made at
the Adorama website on an Adorama Credit Card Account may be automatically placed on a
Promotional Credit Plan as described below. If you would like us to move your purchase or purchases
to the non-promotional Regular Revolving Credit Plan, please contact us by the Payment Due Date
shown on your first billing statement reflecting the purchase or purchases. As of the Print Date, your
Purchase APR is 29.99%. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 3/18Current offers may include:
Purchases of $500.00 - $999.99 � 6 months Deferred Interest, Payment Required
No interest if paid in full within 6 months. Interest will be charged to the Account from the purchase
date at the Purchase APR if the plan balance is not paid in full within the promotional period.
Purchases of $1,000.00 or more � 12 month Deferred Interest, Payment Required
No interest if paid in full within 12 months. Interest will be charged to the Account from the purchase
date at the Purchase APR if the plan balance is not paid in full within the promotional period.
Purchases of $750.00 - $1,499.99 of select brands and products listed on the Adorama website �
24 month Deferred Interest, Payment Required
No interest if paid in full within 24 months. Interest will be charged to the Account from the purchase
date at the Purchase APR if the plan balance is not paid in full within the promotional period.
Purchases of $1,500.00 or more of select brands and products listed on the Adorama website�
48 month Deferred Interest, Payment Required
No interest if paid in full within 48 months. Interest will be charged to the Account from the purchase
date at the Purchase APR if the plan balance is not paid in full within the promotional period.
Purchases of select brands and products listed on the Adorama website � 18 month Deferred
Interest, Payment Required
No interest if paid in full within 18 months. Interest will be charged to the Account from the purchase
date at the Purchase APR if the plan balance is not paid in full within the promotional period.
Applicable to All Promotional Credit Plans
Available plans and offer terms are subject to change. Plan availability may be limited to
certain web purchases. For more information, visit the Adorama website.
Minimum payments are required for each Credit Plan. Review the Minimum Payment section below for
more details.
Minimum payments are not guaranteed to pay any promotional plan balance within the promotional
period. You may have to pay more than the minimum payment to avoid paying interest at the
Purchase APR. Some balances may be paid off before the promotional period ends.
Your minimum payment may be higher than if you did not select promotional financing.
Valid for single transaction only. If the single transaction has multiple shipments, each shipment may
result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum
interest charge.
Minimum Payment: You may pay the entire Account balance at any time. You must pay at least the
Minimum Payment each billing period by the Due Date on your statement.
If the New Balance on your statement is less than $30, the Minimum Payment is the New Balance.
If the New Balance is more than $30, the Minimum Payment is the Past Due amount plus the sum of
the amounts due on each Credit Plan as follows:
Regular Purchase, Deferred
Interest, Payment Required and
Waived Interest, Payment
Required3.50% of plan balance at end of billing period rounded up to
nearest $1 (minimum $5)
Deferred Interest, Equal Payment
and Waived Interest, Equal
PaymentPurchase amount divided by number of months in promotional
period rounded up to nearest $1 (minimum $5) 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 4/18Low APR, Equal Payment Purchase amount including calculated interest charges from
purchase date through end of promotional period divided by
number of months in promotional period rounded up to nearest $1
(minimum $5)
Deferred Interest, Low Payment
and
Waived Interest, Low Payment1% of plan balance at end of billing period rounded up to
nearest $1 (minimum $5)
Budget Payment or Open Charge
Budget PaymentMonthly payments of $49, $99, $149, $199 or $299, as specified
in offer based on transaction amount
Open Charge (except Open
Charge Budget Payment)Dependent upon above for corresponding Credit Plan
If your balance increases during the Open Charge Period, your
Minimum Payment will increase
How to contact us:
Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436
Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422
Bankruptcy
NotificationsComenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus,
OH 43218-3043
Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620
Credit Reporting
DisputesComenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120
Disputed Debts 6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004
General Credit Card Customer Care:
� Adorama: 1-855-898-8338
� TDD/TTY: 1-888-819-1918
� comenity.net/adorama
� Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003
When writing, include your name, address, phone number and Account
number.
IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all
financial institutions to obtain, verify and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name, address, date of birth or other
information that will allow us to identify you. We may also ask to see your driver's license or other identifying
documents.
CA Residents: If you are married, you may apply for a separate account. NY, RI and VT Residents: We may order
credit reports in connection with processing applications and any update, renewal or extension of credit. Upon
request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.
You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. OH
Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law. WI Residents: No provision of a
marital property agreement, unilateral statement under Section 766.59 or court decree under Section 766.70
adversely affects the interest of Comenity Capital Bank unless the Bank, prior to the time credit is granted, is
furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the
obligation to the Bank is incurred.
If you have been preapproved, see below for details of your offer. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 5/18You can choose to stop receiving "prescreened" offers of credit
from this and other companies by calling toll-free 1-888-567-8688.
See PRESCREEN & OPT-OUT NOTICE below for more information
about prescreened offers.
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your
credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet
our criteria. If you do not want to receive prescreened offers of credit from this and other companies,
call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen,
TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374;
SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-
0495.
Important Information for Covered Borrowers under the Military Lending Act
For New Accounts- Federal law provides important protections to members of the Armed Forces and their
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must
include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums;
fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than
certain application fees for specified credit transactions or accounts); and any participation fee charged (other than
certain participation fees for a credit card account)
To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-
0418;(TDD/TTY: 1-888-819-1918).
I am applying to Comenity Capital Bank for, and hereby request, a Adorama Credit Card for personal, family or
household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I
have supplied is true and correct. I agree that a credit report may be obtained for any lawful purpose, including in
connection with the processing of an application, or subsequently with the update, renewal or extension of credit.
Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be
given the name and address of the consumer-reporting agency that furnished the report. I agree to be bound by the
terms of the Your Adorama Credit Card Account Agreement. I acknowledge that I will receive a Your Adorama Credit
Card Account Agreement upon approval. I also acknowledge that there is no agreement between Comenity Capital
Bank and me until Comenity Capital Bank approves my credit application and accepts the Your Adorama Credit Card
Account Agreement at its office in Utah and that the Your Adorama Credit Card Account Agreement is deemed to be
made in Utah. Cards are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.
PLEASE NOTE:
BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH RESPECT TO
CERTAIN CONSUMER INFORMATION ABOUT YOU.
You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to
Adorama Camera, Inc.. You hereby authorize us to furnish, if your application is approved, information concerning
your account to credit bureaus, other creditors and Adorama Camera, Inc..
Check your information before submitting. We cannot process any submission without a complete and accurate
name, address, date of birth and social security number. By submitting this Application you are acknowledging
having read and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be
bound by them.
Credit Card Agreement
This Agreement, including the Summary, is your contract with us. Read it and keep it.
Acceptance: You accept this Agreement if you use the Account or you do not cancel your Account
within 30 days after delivery of the Agreement. Your signature on any application or solicitation for this
Account or other evidence of indebtedness on your Account is your signature on this Agreement.
Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers.
You can reject the Arbitration Provision. If you do not, it will be part of this Agreement.
Changes: The rates, fees and terms of this Agreement may change and we may add or delete any
term. We will give you advance notice and a right to reject, if required by law. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 6/18Definitions
Account: the credit card account with us under this Agreement.
Authorized User: any person you allow to use your Account.
Card: one or more cards or access devices, including your Account number or virtual card, we issue to
you, or someone you authorize, to get credit under this Agreement.
Cash Advance: if applicable, the use of your Account to:
get cash from an ATM, financial institution or other location;
buy lottery tickets, money orders, foreign currency, gift cards or similar items;
get cash or pay someone using a check we offer for that purpose;
make any other transaction the merchant codes as a cash advance, money transfer or gambling.
Balance transfers are Cash Advances unless we tell you otherwise.
Credit Plan: each balance subject to different financing terms, such as regular purchases, Cash
Advances, and promotional plans.
Margin: the amount added to the Prime Rate to determine a variable APR.
Prime Rate: the U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the last
business day of the calendar month.
We, us or our: the issuer of your Card and its successors and assignees.
You, your or yours: each person who submits an application or solicitation for an Account and any
other person contractually liable under this Agreement.
Using Your Account
Your
AgreementYou agree to use your Account in accordance with this Agreement. You agree to
pay us for all amounts due on your Account, including charges made by Authorized
Users. You agree not to use your Account for illegal transactions.
Use of AccountYou may use your Account to make purchases anywhere the Card is accepted. If
your Card has the logo of one of our network providers (e.g., Visa and Mastercard),
you may use your Account to make Cash Advances.
Authorized
UsersYou may request Cards for Authorized Users. You must notify us if you wish to
cancel the authority of an Authorized User to use your Account.
Joint AccountsIf this is a joint Account, each of you agrees to be individually and jointly liable for
the entire amount owed. Any notice we send to either of you will serve as notice to
both of you.
Credit
AuthorizationsWe may decline to authorize a transaction for any reason. We will not be liable to
you if we do or if anyone refuses any use of your Card.
Credit Limit We will tell you your credit limit or limits. Keep your balance below your credit limit
or limits. If you do not, you must still pay us. We may change your credit limit or
limits at any time, without notice.
Promotional
Credit PlansWe may offer special financing terms, such as deferred interest, waived interest,
low APR or equal payment options. The Credit Plan or Plans will be subject to the
terms of the offer and this Agreement.
Electronic
AccessApplications (apps) on electronic devices (such as mobile wallets) can store your
Card and be used to get credit under this Agreement. Such transactions are 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 7/18covered by this Agreement. Apps may have separate terms of use. We are not
responsible for any consequences from your violation of those terms.
APRs and Interest Based on APRs
Review your Summary for the APRs that apply to your Account
Variable APRsWe add the applicable Margin specified in the Rate Information chart on the
Summary to the Prime Rate to determine Variable APRs. Variable APRs increase or
decrease when the Prime Rate changes but will not exceed any Maximum APR
specified in the Rate Information chart.
Any APR change will take effect on the first day of the billing period that begins
after the Prime Rate changes. Increased APRs will increase your interest charges
and may increase your Minimum Payment.
Daily Balance
Method
(including
current
transactions)We calculate interest for each Credit Plan each day by applying the applicable daily
periodic rate to the daily balance. The daily periodic rate is the APR for the Credit
Plan divided by 365.
We start with the beginning balance each day (including unpaid interest and fees).
We add new transactions and fees to the applicable Credit Plan. We add
transaction fees to the same Credit Plan as the transaction. We add all other fees
to the regular purchase Credit Plan.
We subtract new credits and payments from the applicable Credit Plan and make
other adjustments to get the partial daily balance.
We multiply the partial daily balance by the daily periodic rate to get the daily
interest.
We add the daily interest to the partial daily balance to get the daily balance. This
results in daily compounding of interest.
We add all the daily interest to get the total interest for the Credit Plan for the
billing period. For a Deferred Interest Credit Plan, this interest is deferred.
We round interest to the nearest cent.
Interest Charging Interest: Interest begins on a transaction, fee or interest from the day
added to the daily balance until paid in full.
How to Avoid Paying Interest on Regular Purchases (Grace Period): If you did
not have a Previous Balance, or if you paid the New Balance on your previous
statement by the Due Date on that statement, we will not charge interest on new
regular purchases, or any portion thereof, paid by the Due Date on your current
statement.
How We Apply Payments May Impact Your Grace Period: If you do not pay your
New Balance in full each billing period, then, depending on how we apply your
payment, you may not get a Grace Period on new regular purchases.
Waived Interest Credit Plan: We do not impose interest on plan balances during
the promotional period. After the promotional period, any remaining balance is
added to the regular purchase balance and is subject to interest at the then-current
rate for regular purchases.
Deferred Interest Credit Plan: Interest accrues on plan balances from the
transaction date. We do not impose that interest if you pay the balance in full by
the end of the promotional period. After the promotional period, any remaining
balance and interest from the transaction date is added to the regular purchase
balance and is subject to interest at the then-current rate for regular purchases.
Payments
Payment
InstructionsWe credit payments in accordance with the terms on your statement. Review your
statement for details. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 8/18Pay in U.S. dollars, in funds on deposit in the U.S. If you don�t, we may refuse
your payment or charge you our costs to collect the funds.
How We Apply
PaymentsWe apply payments up to the Minimum Payment at our discretion, which may result
in balances at lower APRs being paid first and higher interest charges. Payments
over the Minimum Payment will be applied in accordance with law.
Other Information
DefaultYou are in default if:
� you fail to comply with this Agreement or any other agreement with us or an
affiliate;
� a bankruptcy or other insolvency proceeding is filed by or against you;
� we reasonably believe you are unable or unwilling to repay us;
� you die or are legally incompetent or incapacitated;
� you give us misleading, false, incomplete or incorrect information or fail to give
us any information we deem necessary.
If you are in default, we may declare the entire balance immediately due and
payable without notice.
Collection
CostsIf we use an attorney to collect your Account, we may charge you our costs if and
as permitted by law. These may include reasonable attorneys� fees and court costs.
Privacy Policy You authorize us to share information about you and your Account as permitted by
law. Review our Privacy Statement for details about our information sharing
practices.
Credit
ReportingWe may check your credit, employment and income records in connection with an
application, update, renewal or extension of credit on your Account (including
collections and dispute investigations). You consent to our obtaining such records
by submitting an application or solicitation. Upon request, we will tell you the name
and address of any credit reporting agency that furnished a report on you. We may
report Account status and payment history to credit reporting agencies, other
creditors and the company whose name or brand appears on your Card.
Unauthorized
UseNotify us immediately at the General mailing address or phone number in the How
to Contact Us section of the Summary and assist us in our investigation if your
Card is lost or stolen or you believe someone is using your Card without your
permission.
Closing Your
AccountYou may close your Account at any time. You remain responsible for any amount
owed under this Agreement. We may close, suspend or not renew your Account at
any time, for any reason, without notice.
Foreign
TransactionsIf applicable, transactions in foreign currency are converted to U.S. dollars by our
network providers (e.g., Visa and Mastercard) using their procedures in effect when
the transaction is processed. Currently, they use a government-mandated or
wholesale rate. These procedures may change without notice.
The conversion rate you get may differ from the rate on the transaction or post
date and from the rate our network provider gets. A third party may convert a
transaction into U.S. dollars or another currency, using a rate they select, before
sending it to our network provider.
For any transaction made or processed outside the U.S. or in a foreign currency,
we charge a fee in the amount on the Summary. 
Conformance
with Law;
SeverabilityIf any part of this Agreement conflicts with applicable law, that provision will be
considered modified to conform to applicable law. If any part of this Agreement is 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 9/18invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration
Provision.
No Waiver We will not lose our rights under this Agreement because we delay or do not
enforce them.
Assignment We may assign any or all of our rights and obligations under this Agreement to a
third party. You may not assign any of your rights or obligations under this
Agreement.
New Jersey
ResidentsAll provisions of this agreement are valid, enforceable and applicable in New
Jersey.
Communications with Us
Monitoring and Recording: Your communications with us and our affiliates, servicers, agents and
contractors may be monitored or recorded. Inform Authorized Users and persons acting on your behalf
or making payments on this Account of this provision.
Communication Authorization: You give direct consent to us and our affiliates, servicers, agents and
contractors, including collection agents, to communicate with you in any way to service or collect your
Account, such as calling, texting or email via:
any phone number you give us even if the number is or converts to a mobile phone number;
any other number you provide, use to contact us or may utilize;
any other device or service for which you may be charged for the call, including Voice Over Internet
Protocol (VOIP); and
any email address you provide to us or any other person or company that provides any services in
connection with this Agreement.
Subject to any restrictions of applicable law, we may contact you using automated telephone dialing
systems and/or pre-recorded or artificial voice messages and any other form of communication.
Communications may result in additional mobile, text message, data or other charges.
You may change your preferences by calling the General phone number on the Summary.
Disputed Debts: All written communications about disputed amounts, including any check or payment
instrument marked "payment in full" or similar, must be sent to the address for Disputed Debts on the
Summary. We may accept payments sent to any other address without losing our rights.
Bankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for
Bankruptcy Notifications on the Summary.
Changes: You agree to notify us at the General phone number or address on the Summary or by
updating your information on Account Center immediately upon changing your name, email address,
mailing address or phone number.
Communication in Languages Other Than English: You agree to receive all Account communications
in English. We may, at our option, communicate with you in other languages as a courtesy. We may
stop communicating with you in non-English languages at any time. While we try to ensure accuracy of
translations, we are not responsible for any inaccuracies in translation or misunderstandings due to
differences in usage or dialect. In the event of inconsistency between the English version and the
translation, the English version will control.
Notice for Active Duty Military Members and Their Dependents
The following disclosures apply to you if, in connection with opening your Account, we determine you
are a �covered borrower� as defined in the Military Lending Act, which includes eligible active duty 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 10/18members of the Armed Forces and their dependents:
The provision of this Agreement titled �Arbitration and Jury Trial Waiver� does not apply to you.
Federal law provides important protections to members of the Armed Forces and their dependents
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.
This rate must include, as applicable to the credit transaction or account: The costs associated with
credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;
any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card
account).
To hear information about these protections and a description of your payment obligations, call toll
free at 1-866-230-0418 (or at the General TDD/TTY number on the Summary).
Arbitration and Jury Trial Waiver
Key ProvisionsPlease review the following important provisions carefully. Pay special
attention to Paragraphs:
� A: Jury Trial Waiver;
� C: Arbitration Provision;
� C.1: Right to Reject;
� C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and
� C.7: Class Action Waiver.
A. Jury Trial
WaiverTo the extent permitted by law, you and we waive any right to trial by jury in
the event of a lawsuit arising out of or related to this Agreement. This jury
trial waiver shall not affect the Arbitration Provision below (including the jury
trial waiver contained therein). You and we each represent that this waiver is
given knowingly, willingly and voluntarily.
B. Notice and
CurePrior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out
of or related to this Agreement (as further defined below, "Claim"), the party
asserting the Claim ("Claimant") shall give the other party ("Defendant") written
notice of the Claim ("Claim Notice") and a reasonable opportunity, not less than 30
days, to resolve the Claim. Any Claim Notice to you shall be sent to the address
we have in our records (or any updated address you subsequently provide to us).
Any Claim Notice to us shall be sent by mail to the address for Arbitration Claims
on the Summary (or any updated address we subsequently provide). Any Claim
Notice you send must provide your name, address and Account number and explain
the nature of the Claim and relief demanded. You may only submit a Claim Notice
on your own behalf and not on behalf of any other party. No third party, other than
a lawyer you have personally retained, may submit a Claim Notice on your behalf.
The Claimant must reasonably cooperate in providing any information about the
Claim that the Defendant reasonably requests.
C. Arbitration
ProvisionReview this provision carefully. If you do not reject it in accordance with
Paragraph C.1, Right to Reject, below, it will be part of this Agreement and will
have a substantial impact on the way you or we will resolve any Claim you or
we have against each other now or in the future.
1. Right to
RejectIf you don�t want this Arbitration Provision (and any prior arbitration
agreement between you and us ("Prior Arbitration Agreement")) to apply, you
may reject it by mailing us a written rejection notice which gives your name
and contains a statement that you (both of you, if more than one) reject the
Arbitration Provision of this Agreement. The rejection notice must be sent to
us at the address for Arbitration Rejection on the Summary. A rejection notice
is only effective if it is signed by you (all of you, if more than one) and if we 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 11/18receive it within 30 calendar days after the date we first provide you with a
credit card agreement or written notice providing you a right to reject this
Arbitration Provision. Your rejection of this Arbitration Provision will not affect
any other provision of this Agreement or your ability to obtain credit.
2. Parties Solely as used in this Arbitration Provision (and not elsewhere in this Agreement),
the terms "we," "us" and "our" mean
a. the issuer of your Card named on the Summary and its successors and/or
assigns, as well as any parent, subsidiary or affiliate of theirs and their employees,
officers and directors (the "Bank Parties"); and
b. any other person or company that provides any services in connection with this
Agreement if you assert a Claim against such other person or company at the same
time you assert a Claim against any Bank Party.
3. Covered
Claims"Claim" means any claim, dispute or controversy between you and us that in any
way arises from or relates to this Agreement, the Account, the issuance of any
Card, any rewards program and/or any prior agreement or account. "Claim" includes
disputes arising from actions or omissions prior to the date any Card was issued to
you, including the advertising related to, application for or approval of the Account.
"Claim" has the broadest possible meaning, and includes initial claims,
counterclaims, cross-claims and third-party claims. It includes disputes based on
contract, tort, consumer rights, fraud and other intentional torts, constitution,
statute, regulation, ordinance, common law and equity (including any claim for
injunctive or declaratory relief). "Claim" does not include disputes about the validity,
enforceability, coverage or scope of this Arbitration Provision or any part thereof
(including, without limitation, the prohibition against class proceedings, private
attorney general proceedings and/or multiple party proceedings described in
Paragraph C.7, Prohibitions Against Certain Proceedings (Class Action Waiver),
Paragraph C.13, Severability, and/or this sentence); all such disputes are for a
court and not an arbitrator to decide. However, any dispute or argument that
concerns the validity or enforceability of the Agreement as a whole is for the
arbitrator, not a court, to decide.
4. Starting an
ArbitrationArbitration may be elected by any party with respect to any Claim, even if that
party has already initiated a lawsuit with respect to a different Claim. Arbitration is
started by giving a written demand for arbitration to the other party. We will not
demand to arbitrate an individual Claim that you bring against us in small claims
court or your state�s equivalent court, if any. But if that Claim is transferred,
removed or appealed to a different court, we then have the right to demand
arbitration.
5. Administrator"Administrator" means the American Arbitration Association ("AAA"), 120 Broadway,
21st Floor, New York, NY 10271, www.adr.org; JAMS, 620 Eighth Avenue, 34th
Floor, New York, NY 10018, www.jamsadr.com; or any other company selected by
mutual agreement of the parties. If both AAA and JAMS cannot or will not serve
and the parties are unable to select an Administrator by mutual consent, the
Administrator will be selected by a court. The arbitrator will be appointed by the
Administrator in accordance with the rules of the Administrator. However, the
arbitrator must be a retired or former judge or a lawyer with at least 10 years of
experience. You get to select the Administrator if you give us written notice of your
selection with your notice that you are electing to arbitrate any Claim or within 20
days after we give you notice that we are electing to arbitrate any Claim (or, if you
dispute our right to require arbitration of the Claim, within 20 days after that
dispute is finally resolved). If you do not select the Administrator on time, we may
do it. Notwithstanding any language in this Arbitration Provision to the contrary, no
arbitration may be administered without the consent of all parties to the arbitration, 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 12/18by any Administrator that has in place a formal or informal policy that is
inconsistent with the Class Action Waiver.
6. Court and
Jury Trials
Prohibited;
Other
Limitations on
Legal RightsIf you or we elect to arbitrate a Claim, you will not have the right to pursue
that Claim in court or have a jury decide the Claim. Also, your ability to obtain
information from us is more limited in arbitration than in a lawsuit. Other
rights that you would have if you went to court may also not be available in
arbitration.
7. Prohibition
Against Certain
Proceedings
(Class Action
Waiver)If you or we elect to arbitrate a Claim:
a. neither you nor we may participate in a class action in court or in class-
wide arbitration, either as a plaintiff, defendant or class member;
b. neither you nor we may act as a private attorney general in court or in
arbitration;
c. Claims brought by or against you may not be joined or consolidated with
Claims brought by or against any other person; and
d. the arbitrator shall have no power or authority to conduct a class-wide
arbitration, private attorney general arbitration or multiple-party arbitration.
8. Location and
CostsAny arbitration hearing that you attend must take place at a location reasonably
convenient to you. We will pay any and all fees of the Administrator and/or the
arbitrator if applicable law requires us to, if you prevail in the arbitration or if we
must bear such fees in order for this Arbitration Provision to be enforced. If you
demand an arbitration, we will pay your reasonable attorneys� and experts� fees if
you prevail or if we must bear such fees in order for this Arbitration Provision to
be enforced. Also, we will bear any fees if applicable law requires us to.
9. Governing
LawThis Arbitration Provision involves interstate commerce and is governed by the
Federal Arbitration Act, 9 U.S.C. �� 1-16 ("FAA"), and not by any state arbitration
law. The arbitrator must apply applicable substantive law consistent with the FAA
and applicable statutes of limitations and claims of privilege recognized at law. The
arbitrator may award any remedy provided by the substantive law that would apply
if the action were pending in court (including, without limitation, punitive damages,
which shall be governed by the Constitutional standards employed by the courts). At
the timely request of either party, the arbitrator must provide a brief written
explanation of the basis for the award.
10. Discovery In addition to the parties� rights to obtain discovery pursuant to the arbitration rules
of the Administrator, either party may submit a written request to the arbitrator to
expand the scope of discovery normally allowable under the arbitration rules of the
Administrator. The arbitrator shall have discretion to grant or deny that request.
11. Result and
AppealsJudgment upon the arbitrator�s award may be entered by any court having
jurisdiction. The arbitrator�s decision is final and binding, except for any right of
appeal provided by the FAA and/or the rules of the Administrator. Any finding,
award or judgment from an arbitration of any Claim shall apply only to that
arbitration. No finding, award or judgment from any other arbitration shall impact
the arbitration of any Claim.
12.
InterpretationThis Arbitration Provision shall survive the repayment of all amounts owed under
this Agreement, the closing of the Account, any legal proceeding and any
bankruptcy to the extent consistent with applicable bankruptcy law. In the event of
a conflict or inconsistency between this Arbitration Provision and the applicable
arbitration rules or the other provisions of this Agreement, this Arbitration Provision
shall govern. This Arbitration Provision replaces any Prior Arbitration Agreement. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 13/1813. SeverabilityIf any portion of this Arbitration Provision is held to be invalid or unenforceable,
the remaining portions shall nevertheless remain in force, subject to two exceptions.
First, if a determination is made that the Class Action Waiver is unenforceable, and
that determination is not reversed on appeal, then the Arbitration Provision shall be
void in its entirety. Second, if a court determines that a public injunctive relief
Claim may proceed notwithstanding the Class Action Waiver, and that determination
is not reversed on appeal, then the public injunctive relief Claim will be decided by
a court, any individual Claims will be arbitrated, and the parties will ask the court
to stay the public injunctive relief Claim until the other Claims have been finally
concluded.
14. Special
PaymentThe arbitrator shall award you at least $5,100 (plus any fees and costs to which
you are entitled) if:
a. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure,
above on your own behalf (and not on behalf of any other party);
b. we refuse to provide you with the relief you request before an arbitrator is
appointed; and
c. an arbitrator subsequently determines that you were entitled to such relief (or
greater relief).
Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the address for Billing Errors on the
Summary
In your letter, give us the following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong
and why you believe it is a mistake.
You must contact us:
Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on
the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not
required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also
tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we
believe the bill is correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest
on that amount. 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 14/18While you do not have to pay the amount in question, you are responsible for the remainder of your
balance.
We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
If we made a mistake: You will not have to pay the amount in question or any interest or other fees
related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with
applicable interest and fees. We will send you a statement of the amount you owe and the date
payment is due. We may then report you as delinquent if you do not pay the amount we think you
owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported
you as delinquent, and we must let those organizations know when the matter has been settled
between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you
question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and
you have tried in good faith to correct the problem with the merchant, you may have the right not to
pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing
address, and the purchase price must have been more than $50. (Note: Neither of these are necessary
if your purchase was based on an advertisement we mailed to you, or if we own the company that sold
you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an
ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
writing at the address for Billing Errors on the Summary.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you
do not pay, we may report you as delinquent.
Pricing Addendum
Interest Rates
and Interest
Charges
Annual Percentage
Rate (APR) for
Purchases29.99%
How to Avoid PayingYour due date is at least 25 days after the close of each billing 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 15/18Interest period. We will not charge you interest on purchases if you pay
your entire balance by the due date each month.
Minimum Interest
ChargeIf you are charged interest, the charge will be no less than $2 per
credit plan.
Fees
Annual Fee None
Penalty Fees
� Late Payment
� Returned PaymentUp to $38
Up to $38
Balance Computation
MethodWe use a method called "daily balance."
Financial Privacy Policy
Printer-friendly version (PDF) 
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rev. 08/19
FACTS
WHAT DOES COMENITY DO WITH YOUR PERSONAL
INFORMATION?
Why?
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.
What?
The types of personal information we collect and share depend on the product or service you have with us. This
information can include:
Social Security number and income
Account balances and transaction history
Credit history and credit scores 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 16/18For 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
Yes No
For our marketing purposes-to offer our products and services to you
Yes No
For joint marketing with other financial companies
Yes No
For our affiliates' everyday business purposes-information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes-information about your creditworthiness
Yes Yes
For our affiliates to market to youHow?
All financial companies need to share customers' personal information to run their everyday business. In the
section below, we list the reasons financial companies can share their customers' personal information; the
reasons Comenity chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 17/18Yes Yes
For nonaffiliates to market to you
Yes Yes
To limit our sharing
Our menu will prompt you through your choices:
Comenity Bank customers: Call 1-800-220-1181 (TDD/TTY 1-800-695-1788)
Comenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-819-1918)
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.
Questions?
Call 1-866-423-1097
Who we are
Who is providing this notice?
This privacy notice is provided by the Comenity family of companies, including Comenity Bank and Comenity
Capital Bank.
What we do
How does Comenity protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply
with federal law. These measures include computer safeguards and secured files and buildings.
How does Comenity collect my personal information? 2/5/2020 Disclosures
https://d.comenity .net/adorama/pub/requestCca/requestCca.xhtml 18/18We collect your personal information, for example, when you 
open an account or provide account information
give us your income information
use your credit or show your driver's license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
sharing for affiliates' everyday business purposes-information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on
your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with a Comenity name; financial companies such as Comenity Bank,
Comenity Capital Bank, and other Comenity entities; nonfinancial companies such as Alliance Data, and
LoyaltyOne.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. 
Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers,
and nonprofit organizations.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or
services to you. 
Our joint marketing partners may include lenders and insurance companies.
Other important information
We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or
California.