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Financialtermsofyouraccount
InterestRatesandInterestCharges
Annual
24.99%.
PercentageRate ThisAPRwillvarywiththemarketbasedonthePrime
(APR)for
Rate.
Purchases
HowtoAvoid
PayingInterest

Yourduedateisatleast25daysafterthecloseofeach
billingcycle.Wewillnotchargeyouintereston
purchasesifyoupayyourentirebalancebythedue
dateeachmonth.

Minimum
InterestCharge

Ifyouarechargedinterest,thechargewillbenoless
than$1.00percreditplan.

ForCreditCard
Tipsfromthe
Consumer
Financial
Protection
Bureau

Tolearnmoreaboutfactorstoconsiderwhen
applyingfororusingacreditcard,visitthewebsite
oftheConsumerFinancialProtectionBureauat
http://www.consumerfinance.gov/learnmore.

Fees
AnnualFee

None

PenaltyFees
LatePayment

Upto$35.00

Returned
Payment

Upto$25.00

AlldollaramountsinthisdocumentareUSD.
HowWeWillCalculateYourBalance:Weuseamethodcalled"dailybalance."See
yourAccountagreementformoredetails.
BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercise
thoserightsisprovidedinyouraccountagreement.
RateInformation:Thefollowingchartprovidesdetailsonyourrateasof05/08/2015.
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WedividetheAPRby365todeterminethedailyperiodicrate.

AddtoIndex

PurchaseAPR 21.74%

APR

DailyPeriodic
Rate

24.99%

0.06846%

Wellchargeyouaminimuminterestchargeof$1.00percreditplanforanybilling
periodinwhichinterestisdue.Foradditionalinformation,seeRatesinSectionD.
MinimumPayment:
Theamountyoumustpayeachbillingperiod(TotalMinimumPayment)isthetotal
ofminimumpaymentsforRegularRevolvingandpromotionalCreditPlanpurchases
plusanyPastDueamounts.TheTotalMinimumPaymentwontbelessthan$25.00.
IfyourAccountbalanceislessthan$25.00,youmustpaytheamountindicatedon
yourbillingstatement(Statement)infull.Theminimumpaymentdueforeach
RegularRevolvingCreditPlanwillbethegreaterof:
(a)$5.00or
(b)5%oftheNewBalanceshownonyourStatementforthatCreditPlan(rounded
downtothenearest$5.00).
SeeMinimumPaymentinSectionCbelowforpromotionalcreditplanminimum
paymentcalculations.
TheAPRinformationdescribedbelowisaccurateasof05/08/2015.Duetoachange
intheindex,thisinformationmayhavechanged.Tofindoutmore,callusat1800
6959478(TDD/TTY:18006951788),orwriteusatComenityBank,POBox
182273,Columbus,OH432182273orvisitourwebsiteat
comenity.net/victoriassecret.

IMPORTANTINFORMATIONABOUTOPENINGANACCOUNT
Tohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities,
Federallawrequiresallfinancialinstitutionstoobtain,verifyandrecordinformation
thatidentifieseachpersonwhoopensanaccount.Whatthismeansforyou:When
youopenanaccount,wewillaskforyourname,address,dateofbirthorother
informationthatwillallowustoidentifyyou.Wemayalsoasktoseeyourdrivers
licenseorotheridentifyingdocuments.
CAResidents:Ifyouaremarried,youmayapplyforaseparateaccount.NY,RIand
VTResidents:Wemayordercreditreportsinconnectionwithprocessing
applicationsandanyupdate,renewalorextensionofcredit.Uponrequest,wewilltell
youthenameandaddressofanyconsumerreportingagencythatfurnishedareport
onyou.Youconsenttotheobtainingofsuchreportsbysigningorotherwise
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submittinganapplicationorsolicitation.OHResidents:TheOhiolawsagainst
discriminationrequirethatallcreditorsmakecreditequallyavailabletoall
creditworthycustomers,andthatcreditreportingagenciesmaintainseparatecredit
historiesoneachindividualuponrequest.TheOhioCivilRightsCommission
administerscompliancewiththislaw.WIResidents:Noprovisionofamarital
propertyagreement,unilateralstatementunderSection766.59orcourtdecreeunder
Section766.70adverselyaffectstheinterestofComenityBankunlesstheBank,prior
tothetimecreditisgranted,isfurnishedacopyoftheagreement,statementor
decreeorhasactualknowledgeoftheadverseprovisionwhentheobligationtothe
Bankisincurred.
Ifyouhavebeenpreapproved,seebelowfordetailsofyouroffer.
Youcanchoosetostopreceivingprescreenedoffersofcreditfromthis
andothercompaniesbycallingtollfree18885678688.SeePRESCREEN&
OPTOUTNOTICEbelowformoreinformationaboutprescreenedoffers.
PRESCREEN&OPTOUTNOTICE:Thisprescreenedofferofcreditis
basedoninformationinyourcreditreportindicatingthatyoumeetcertain
criteria.Thisofferisnotguaranteedifyoudonotmeetourcriteria.Ifyoudo
notwanttoreceiveprescreenedoffersofcreditfromthisandother
companies,calltheconsumerreportingagenciestollfree,18885678688
orwrite:Experian,POBox919,Allen,TX75013TransUnion,POBox505,
Woodlyn,PA19094Equifax,POBox740123,Atlanta,GA30374.
IamapplyingtoComenityBankfor,andherebyrequest,aVictoria'sSecretAngel
creditcardaccountforpersonal,familyorhouseholduse.Iherebyauthorize
ComenityBanktoinvestigatemycreditrecord.TheinformationthatIhavesuppliedis
trueandcorrect.IacknowledgethatIamapermanentresidentoftheUnitedStates.I
agreethatacreditreportmaybeobtainedforanylawfulpurpose,includingin
connectionwiththeprocessingofanapplication,orsubsequentlywiththeupdate,
renewalorextensionofcredit.Uponmyrequest,Iwillbeinformedofwhetherornota
consumercreditreportwasordered,andifitwas,Iwillbegiventhenameand
addressoftheconsumerreportingagencythatfurnishedthereport.Iagreetobe
boundbythetermsoftheCreditCardAccountAgreement.IacknowledgethatIwill
receiveaCreditCardAccountAgreementuponapproval.Ialsoacknowledgethat
thereisnoagreementbetweenComenityBankandmeuntilComenityBank
approvesmycreditapplicationandacceptstheCreditCardAccountAgreementatits
officeinDelawareandthattheCreditCardAccountAgreementisdeemedtobe
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madeinDelaware.CardsareissuedandcreditisextendedbyComenityBank,
Wilmington,Delaware.
PLEASENOTE:
BYSUBMITTINGTHISCREDITAPPLICATION,YOUAREAGREEINGTOTHE
FOLLOWINGWITHRESPECTTOCERTAINCONSUMERINFORMATIONABOUT
YOU.
YouherebyauthorizeComenityBank("us"or"we")tofurnishourdecisiontoissuean
accounttoyoutoVictoria'sSecret.Youherebyauthorizeustofurnish,ifyour
applicationisapproved,informationconcerningyouraccounttocreditbureaus,other
creditorsandVictoria'sSecret.
Checkyourinformationbeforesubmitting.Wecannotprocessanysubmission
withoutacompleteandaccuratename,address,dateofbirthandsocialsecurity
number.BysubmittingthisApplicationyouareacknowledginghavingreadand
understoodtheImportantRate,FeeandOtherCostInformationand,ifapproved,
agreeingtobeboundbythem.

YourVictoria'sSecretAngelcreditcardaccountagreement
ThisAgreementcoverstheTermsandConditionsofyouraccountwithus.Inthis
document,youwillfindimportantinformationaboutusingandmanagingyour
account,includingaPrivacyStatementandinformationconcerningyourbillingrights.
Youruseoftheaccount,orfailuretoclosetheaccountwithinthe30daysofreceiving
thisdocument,indicatesyouracceptanceofthetermsofthisagreement,including
theassessmentofanyinterestchargesandfees.
SectionIofthisAgreementalsoincludesaJuryTrialWaiverandanArbitration
Provisionintheeventofadispute.
YouhavearighttorejectthisArbitrationProvision.
IfyoudonotrejectthisArbitrationProvision,itwillbepartofthisAgreement
andwill:
Eliminateyourrighttoatrialbyjuryand
Substantiallyaffectyourrights,includingyourrighttobring,joininor
participateinclassproceedings.
Pleasereadeachsectioncarefullyandkeepthisdocumentforyourrecords.
Inthefollowingsections,youwillfindinformationon:
Financialtermsofyouraccount:Anataglancesummaryofthefeesandcharges
associatedwithyouraccount
A. Gettingstarted:thebasicsofyouraccount
B. Keepingyouraccountingoodstanding:avoidingdefault,andwhattodoifyour
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cardislostorstolen,asapplicable
C. Learningmoreaboutyouraccount:creditplans,andcreditlimits,andhow
paymentsarecalculatedandapplied
D. Interest,feesandcharges:whenandhowfeesandcostsareappliedtoyour
account
E. Otherimportantinformation:legalrights,costs,andhowwellhandlechanges
toyouraccount
F. Disputesandreportingtoconsumerreportingagencies:dataweprovide,and
receivefrom,consumerreportingagencies,andwhattodoifyouthinkthereisan
erroronyourperiodicstatement
G. Optionalproducts:howtoprotectyouraccountfromfraudortheft,and
informationonservicesthatcanhelppayyourdebtincaseofemergencies
H. Communicatingwithus:whathappenswhenyoucontactus
I. Arbitrationandjurytrialwaiver:howwellresolvedisagreements,includinga
jurytrialwaiverandArbitrationprovision
Privacystatement:howwecollect,use,share,andprotectyourpersonal
informationandtheprivacychoicesyoucanmake

A.GettingStarted
Definitions

InthisAgreement,We,UsandOurmeanComenityBank.YouandYour
meaneachpersonwhosubmitsanapplicationorsolicitationforanAccountwithus.
Accountmeansyourcreditcardaccountwithus.Cardmeanseachcreditcardwe
issueforyourAccount,asapplicable.CreditPlanmeansoneormorepayment
programoptionsVictoria'sSecretmayaskustoofferfromtimetotime.
UpholdingyourAgreement

YouagreetothetermsofthisAgreement,andpromisetodoeverythingrequiredof
you.Ifyousignorsubmitanapplicationorsolicitationtoobtaincreditfromus,youll
belegallyboundbythisAgreement.Yourealsolegallyboundifyousignacharge
slip,orpermitsomeoneelsetousethecreditprovided.
YouagreethatthecreditextendedunderyourAccountwillbeusedonlyfor
personal,familyorhouseholdpurposesandnotforbusinessorcommercial
purpose.
IftheAccountisajointAccount,youandthejointAccountholderwillbeboundby
thisAgreement.Eachofyouwillbejointlyandindividuallyresponsibleforrepaying
allamountsdue.IfmorethanonepersonisresponsibleforthisAccount,wewill
onlyprovidebillingstatementsandcommunicationstooneofyou.
AnyauthorizeduserofyourAccountwillbeboundbythetermsofthisAgreement.
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OneadditionalCardmaybeissuedwiththeindividualnameofanauthorizeduser
embossedontheCard.IfyouwanttorevoketheuseofyourAccountbyan
authorizeduser,eitherwriteusattheaddress,orcallusatthephonenumber,
shownonyourStatement.
YouagreetopayforalltransactionsmadeonyourAccountbyanauthorizeduser,
whetherornotsuchtransactionswereauthorizedbyyouormadeforyourbenefit.
Cardsignature(asapplicable)

Foryourownprotection,pleasesignyourCardbeforeusingit.Keepinmindthatyour
signatureontheCardisntaprerequisitetoyourobligationtopayamountsincurred
onyourAccount.
UsingyourAccount

YourAccountmaybeusedtomakepurchasesfromVictoria'sSecretandother
retailerswemaydetermineoccasionallybynotifyingyouviaelectronicmail,
statementmessage,websiteposting,orothermethod.
Wereservetherighttonothonortransactionsrelatedto,including,butnotlimited
to,gambling,ATMusageatcasinos,andillegalactivities.
Makingpayments

PayyourAccountbysendingacheck,moneyorder,orcashierscheckpayablein
U.S.dollars,tothenameandaddressshownonyourStatementspecifiedfor
payments.Pleasedontsendcash.
Besuretoincludeyourpaymentstub,donotstapleyourpaymenttothestub,use
theenvelopeprovidedwithyourStatementanddontsendanycorrespondence
withyourpayment.
Ifyourpaymentdoesntmeettheserequirements,itmaynotbecreditedtoyour
Accountforuptofivedays,ormayberejected.
Allwrittencommunicationsconcerningdisputedamounts,includinganycheckor
otherpaymentinstrumentmarkedwithpaymentinfullorsimilarlanguage,must
besentto6550NorthLoop1604East,Suite101,SanAntonio,Texas782475004.
Wemayacceptapaymentsenttoanyotheraddresswithoutlosinganyofour
rights.
Nopaymentshalloperateasanaccordandsatisfactionwithoutourpriorwritten
approval.

B.Keepingyouraccountingoodstanding
Avoidingdefault

YoullbeindefaultunderthisAgreementifyou:
Failtomakeanypaymentwhendue
ViolateanyprovisionofthisAgreement
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Passaway
Becomethesubjectofbankruptcyorinsolvencyproceedings
Supplyuswithmisleading,false,incompleteorincorrectinformation
AreunableorunwillingtoperformthetermsorconditionsofthisAgreement
Failtosupplyuswithanyinformationwedeemnecessary
Defaultunderanyotherloanoragreementyouhavewithusoranyofouraffiliates
Becomeincompetent
ExceedyourCreditLimit
Issueapaymentreturnedunpaidbyyourbankforanyreason
IfweconsideryourAccountindefault,wemaysuspendyourabilitytomakecharges,
closeyourAccount,requireyoutopaythefullamountyouoweimmediatelyortake
anyotheractionpermittedbylaw.Ifapplicablelawrequiresustodoso,we'lltellyou
inadvanceand/orgiveyoutheopportunitytoremedyyourdefault.
Reportingalostorstolencard(asapplicable)

Ifyounoticethelossortheftofyourcreditcardorapossibleunauthorizeduseof
yourcard,youshouldwritetousimmediatelyatPOBox182273,Columbus,OH
432182273orcallusat18006959478(TDD/TTY:18006951788).Youwillnot
beliableforanyunauthorizedusethatoccursafteryounotifyus.Youmay,however,
beliableforunauthorizedusethatoccursbeforeyournoticetous.Inanycase,your
liabilitywillnotexceed$50.

C.Learningmoreaboutyouraccount
CreditPlans

YourAccountmayconsistofanonpromotional("RegularRevolving")CreditPlan
andoneormorepromotionalCreditPlans.CreditPlansofferedandtheirparticular
features(includingbutnotlimitedtominimumpurchaserequirementsandminimum
payment)mayvaryoccasionallyatourdiscretionandincludeoneormoreRegular
RevolvingorpromotionalCreditPlans.
WemayofferdifferentpromotionalCreditPlansfromtimetotime.
IfapromotionalCreditPlanisofferedatthetimeyouopenyourAccount,this
AgreementwillincludeinformationaboutthetermsforthePlan,byuseofaninsert,
attachment,orotherwritteninformationprovidedaspartofthisAgreement.
Normallatefees,returnedpaymentfeesandallotherprovisionsapplytoany
promotionalCreditPlan,unlessinconsistentwithaparticularCreditPlanoffering.
IfthepromotionalCreditPlanpurchaseisn'tpaidinfullbeforethepromotional
periodends,thebalancewillbetransferredtoyourRegularRevolvingbalance.
PromotionalCreditPlansmayinclude:
WaiveInterest,PaymentRequired
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WaiveInterest,EqualPayment
WaiveInterest,LowPayment
DeferInterest,EqualPayment
DeferInterest,PaymentRequired
DeferInterest,LowPayment
LowAPR,EqualPayment
BudgetPayment
Skippaymentoption

Atourdiscretion,wemayallowyoutoskipmakingtheMinimumPayment.
Interestchargeswillbeassessedduringtheskippaymentperiod,butalatefee
wontbeimposed.Thiswillnotbeconsideredawaiverofanyoftherightsgranted
bythisAgreement.
AllothertermsofyourAccountapplyduringtheskippaymentperiod.
Creditlimit

YourCreditLimitisthetotalmaximumamountwepermityoutooweusatanytime.
YoumaynotexceedanyCreditLimitthatwesetforyourAccount.
IfyoudoexceedyourCreditLimit,wecanstillchargeyouforalltransactions,
interestandotherchargeswithoutgivingupanyofourrightsunderthisAgreement.
WemaychangeyourCreditLimitatanytime.
Accountcancellation

YoumaycancelyourAccount.Yourestillobligatedtopaythefullamountyouowe
us.
WemaycancelyourAccountatanytime,foranyreason.
WemayrefusetoauthorizeanypurchaseonyourAccount.Wemayalsosuspend
yourAccountandyourrighttouseyourCard,includingeachCardyougiveto
others.
WemaystopofferinganyCreditPlanatanytime,foranyreason.
CancellationorsuspensionofyourAccountdoesntnegateyourobligationtopay
anyamountyouoweus.
CancellationofyourAccountincludeseachCardyougivetoothers.
MinimumPayment

YoucanpayallofyourAccountbalanceatanytimewithoutpenalty.
YoumustpayatleasttheTotalMinimumPaymentforeachbillingperiodbythe
PaymentDueDateshownonyourStatement.
TheMinimumPaymentisthetotaloftheminimumpaymentsfortheRegular
RevolvingandpromotionalCreditPlansplusanyPastDueamounts.
TheTotalMinimumPaymentwontbelessthan$25.00.IfyourAccountbalanceis
lessthan$25.00,youmustpaytheamountindicatedonyourStatementinfull.
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TheminimumpaymentforeachCreditPlaniscalculatedasfollows:
TheminimumpaymentsforRegularRevolvingCreditPlans,WaiveInterest,
PaymentRequiredandDeferInterest,PaymentRequiredCreditPlanswillbethe
greaterof:
(a)$5.00or
(b)5%(roundeddowntothenearest$5.00)oftheNewBalanceshownonyour
StatementforthatCreditPlan.
TheminimumpaymentfortheWaiveInterest,EqualPaymentandDeferInterest,
EqualPaymentCreditPlanswillbetheamountofthepurchasedividedbythe
numberofmonthsbetweenthedateofthepurchaseandthepromotionalperiod
enddate(minimum$5.00)roundeduptothenearest$1.00.
TheminimumpaymentfortheLowAPR,EqualPaymentCreditPlanwillbethe
amountofthepurchaseincludingthecalculatedinterestchargesthatwillbe
assessedfromthedateofpurchasethroughtheendofthepromotionalperiod
dividedbythenumberofmonthsbetweenthedateofthepurchaseandthe
promotionalperiodenddate(minimum$5.00)roundeduptothenearest$1.00.
TheminimumpaymentfortheWaiveInterest,LowPaymentandDeferInterest,
LowPaymentCreditPlanswillbethegreaterof:
(a)$5.00or
(b)1.0%(roundeddowntothenearest$5.00)oftheNewBalanceshownon
yourStatementforthatCreditPlan.
Paymentapplication

WereservetherighttoapplypaymentsequaltoorlessthantheTotalMinimum
Paymenthoweverweseefit,whichmayresultinbalancessubjecttolowerinterest
ratesbeingpaidpriortootherbalances.Thismayalsoresultinhigherinterest
charges.
AnypaymentyoumakeinexcessoftherequiredTotalMinimumPaymentwillbe
allocatedtoyourAccountasrequiredbyapplicablelaw.
Excesspaymentsreceivedbeforeadeferredinterestpromotionexpiresareapplied
tothedeferredinterestpromotionalbalancefirstinthelasttwobillingperiodsofthe
promotionalperiod.

D.Interest,feesandcharges
Interestcharges

IfyoumakeapurchaseunderaRegularRevolvingCreditPlan,interestcharges
wontbeimposedinanybillingperiodinwhich(i)noPreviousBalanceexistsor(ii)
paymentsreceivedandcreditsissuedbythePaymentDueDate,equalorexceed
thePreviousBalance.
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IftheNewBalanceshownonyourlastStatementisn'tpaidinfullbythePayment
DueDateshownonyourlastStatement,therewillbeaninterestchargeoneach
purchasefromthedateofpurchase.
IfyoumakeapurchaseunderanyWaiveInterestCreditPlan,wewon'tcharge
interestonthepurchaseifyoupaythetotalpurchaseamountbeforetheendofthe
promotionalperiod.Ifyoudon'tpaythetotalpurchaseamountbeforetheendofthe
promotionalperiod,we'lladdtheremainingamounttoyourRegularRevolving
balance.We'llalsobegincharginginterestonthepurchasefromthefirstdayafter
thepromotionalperiodends.
IfyoumakeapurchaseunderanyDeferInterestPromotionalCreditPlananddon't
paythetotalamountbeforetheendofthepromotionalperiod,we'lladdthe
remainingpurchaseamountandtheamountofaccruedinteresttoyourRegular
Revolvingbalance.
IfyoumakeapurchaseunderaLowAPR,EqualPaymentCreditPlan,interestwill
beassessedfromthedateofpurchasethroughtheendofthepromotionalperiod.
HowwecalculateInterestChargesonyourAccount

WecalculateinterestseparatelyforeachCreditPlan,usingaDailyBalanceto
determineinterestchargesforeachbillingperiod.Ourcalculationmethodisas
follows:
WestartwiththebeginningbalanceonyourAccounteachday(includingunpaid
interestchargesandfees).
Wesubtractanypaymentsorcreditadjustments(treatinganynetcreditbalanceas
azerobalance)andaddnewtransactionsanddebitadjustmentspostedasofthat
day.ThisgivesusthePartialDailyBalancefortheday.
WethenmultiplythePartialDailyBalanceforthedaybytheDailyPeriodicRate.
ThisgivesustheDailyInterestChargefortheday,whichweaddtothedays
PartialDailyBalance.
WevenowdeterminedtheDailyBalance,whichwillbethebeginningbalancefor
thefollowingday.Thisresultsindailycompoundingofinterestcharges.
Attheendofeachbillingperiod,weaddtogethereachCreditPlansDailyInterest
Charge,whichgivesusthetotalinterestcharge.
YourStatementwillshowaBalanceSubjecttoInterestRate,whichisthesumof
theDailyBalancesforeachdayinthebillingperioddividedbythetotalnumberof
days.
Rates

TheIndexineffectforeachbillingperiodwillbethehighestPrimeRateofinterest
aspublishedintheMoneyRatessectionofTheWallStreetJournalforthe
calendarmonthprecedingthemonthinwhichthebillingperiodbegins,rounded
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upwardifnecessary,tothenearest.001%(Index).
AnyvariableAPRmayincreaseiftheIndexincreases.
AnincreaseordecreaseintheAPRwillresultinacorrespondingincreaseor
decreaseintheamountofinterestandmayincreasetheTotalMinimumPayment.
Otherfeesandcharges

Youagreetopaythefollowingfeesandcharges:
LateFee:IfyoudontpayatleasttheMinimumPaymentDuebythePaymentDue
Date,wewillchargeyoualatefee.
Thefeeis$25.00ifyouwerenotchargedalatefeeduringanyofthepriorsix
billingperiods.
Otherwise,thefeeis$35.00.
Thisfeewillneverexceedtheminimumpaymentduethatwasdueimmediately
priortothedateonwhichthefeewasassessed
ReturnedPaymentFee:Wemaychargeyouafeeforeachpaymentthatyour
bankdoesn'thonorforanyreason.
Thefeeis$25.00ifyouwerenotchargedareturnedpaymentfeeduringanyof
thepriorsixbillingperiods.
Thisfeewillneverexceedtheminimumpaymentduethatwasdueimmediately
priortothedateonwhichthefeewasassessed.
Althoughwemaydecidetodoso,wearen'trequiredtoattempttocollecta
paymentmorethanonce.
DocumentFees:IfweprovideyouwithacopyofanyStatement,salesdraftor
similardocumentatyourrequest(exceptinconnectionwithbillingerrorinquiriesor
resolution),wemaychargetheAccountthefollowingfee(s),subjecttoany
limitationsofapplicablelaw:
Statementcopy$6.00
Sales/CreditDraftcopy$6.00
Check/MoneyOrdercopy$6.00
AlternativePaymentMethodFee:Wemayofferalternativepaymentmethodsthat
allowyoutomakeindividual,expeditedpaymentstoyourAccountoverthephone.
Ifyouchoosetousethispaymentmethod,wemayassessthecurrentfeewe
chargeforthisservice,subjecttoanylimitationsofapplicablelaw.Currently,that
feeisupto$15.00butmaychange.Wellletyouknowthecurrentfeebeforeyou
authorizeanypayment(s),andyoucanwithdrawyourrequestifyoudontwantto
paythefee.

E.Otherimportantinformation
Collectioncosts
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Totheextentnotprohibitedbyapplicablelaw,youagreetopaythereasonablecosts
forcollectingamountsdue,includingreasonableattorney'sfeesandcourtcosts
incurredbyusoranotherpersonorentity.
Changes

Wemayadd,change,ordeletethetermsofyourAccount.Ifrequiredbyapplicable
law,wewillgiveyouadvancewrittennoticeofthechange(s)andarighttorejectthe
change(s).
SecurityInterest

Yougrantusasecurityinterestinallgoodsyoupurchasethroughtheuseofthe
Account,noworatanytimeinthefutureandinallaccessionstoandproceedsof
suchgoods.Wewaiveanysecurityinterestwemayhaveinyourprincipaldwelling,to
theextentthatitwouldotherwisesecureanyobligationarisinghereunder.
Changestoyourinformation

Youagreetonotifyusimmediatelyofanychangestoyourname,mailingaddress,
electronicmailaddressortelephonenumber(s).
GoverningLaw

THISAGREEMENTISGOVERNEDBYDELAWAREANDAPPLICABLEFEDERAL
LAW.THISISTHELAWWEARESPEAKINGOFWHENWEREFERTOATERM
PERMITTEDORREQUIREDBYAPPLICABLELAW.
TransferofRights/Assignment

YourrightsunderthisAgreementcantbetransferredbyyou,byoperationoflawor
otherwise,butyourobligationswillbebindinguponyourestateorpersonal
representatives.WemaytransferorassignyourAccountand/orthisAgreement,or
anyofourrightsunderthisAgreement,toanotherpersonorentityatanytimewithout
priornoticetoyouoryourconsent.
NoWaiverofRights

WecandelayenforcingourrightsunderthisAgreementwithoutlosingthem.
Severability

IfanyprovisionofthisAgreementisinconflictwithapplicablelaw,thatprovisionwill
beconsideredtobemodifiedtoconformwithapplicablelaw.
NoticetoNewJerseyResidents

Allprovisionsofthisagreementarevalid,enforceableandapplicableinNewJersey.

F.Disputesandreportingtoconsumerreportingagencies
CreditReports

Yougiveuspermissiontoinvestigateyourcreditrecord.
Youagreethatacreditreportmayberequestedinconnectionwiththeprocessing
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ofyourcreditapplication.Areportmayalsoberequestedinconnectionwitha
creditextension,revolvelineorcreditlimitrequest,Accountrenewalorupdate,
Accountcollectionaction,ordisputeinvestigation.Uponrequest,wewilltellyouthe
nameandaddressofanyconsumerreportingagencythatfurnishedareporton
you.Youconsenttotheobtainingofsuchreportsbysigningorotherwisesubmitting
anapplicationorsolicitation.
Youunderstandthatwemayreportnegativeinformation(suchas,latepayments,
missedpayments,orotherdefaults)aboutyourAccounttoconsumerreporting
agencies.
YougiveuspermissiontoprovideinformationaboutyourAccounttoconsumer
reportingagenciesandothercreditors,aswellastotheretailerwhosename
appearsonyourCards.
Creditreportdisputes

IfyoubelievetheAccountinformationwereportedtoaconsumerreportingagencyis
inaccurate,youmaysubmitadirectdisputetoComenityBank,POBox182789,
Columbus,Ohio432182789.
YourwrittendisputemustprovidesufficientinformationtoidentifytheAccountand
specifywhytheinformationisinaccurate:
AccountInformation:YournameandAccountnumber
ContactInformation:Youraddressandtelephonenumber
DisputedInformation:IdentifytheAccountinformationdisputedandexplainwhy
youbelieveitisinaccurate
SupportingDocumentation:Ifavailable,provideacopyofthesectionofthecredit
reportshowingtheAccountinformationyouaredisputing
Wewillinvestigatethedisputedinformationandreporttheresultstoyouwithin30
daysofreceiptoftheinformationneededforourinvestigation.Ifwefindthatthe
Accountinformationwereportedisinaccurate,wewillpromptlyprovidethe
necessarycorrectiontoeachconsumerreportingagencytowhichwereportedthe
information.
YourBillingRights:KeepThisDocumentForFutureUse

ThisnoticetellsyouaboutyourrightsandourresponsibilitiesundertheFairCredit
BillingAct.
WhatToDoIfYouFindAMistakeOnYourStatement
Ifyouthinkthereisanerroronyourstatement,writetousat:ComenityBank,PO
Box182782,Columbus,Ohio432182782
Inyourletter,giveusthefollowinginformation:
Accountinformation:Yournameandaccountnumber.
Dollaramount:Thedollaramountofthesuspectederror.
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Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyou
believeiswrongandwhyyoubelieveitisamistake.
Youmustcontactus:
Within60daysaftertheerrorappearedonyourstatement.
Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwantto
stoppaymentontheamountyouthinkiswrong.
Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudowe
arenotrequiredtoinvestigateanypotentialerrorsandyoumayhavetopaythe
amountinquestion.
WhatWillHappenAfterWeReceiveYourLetter
Whenwereceiveyourletter,wemustdotwothings:
1. Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyour
letter.Wewillalsotellyouifwehavealreadycorrectedtheerror.
2. Within90daysofreceivingyourletter,wemusteithercorrecttheerroror
explaintoyouwhywebelievethebilliscorrect.
Whileweinvestigatewhetherornottherehasbeenanerror:
Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthat
amount.
Thechargeinquestionmayremainonyourstatement,andwemaycontinueto
chargeyouinterestonthatamount.
Whileyoudonothavetopaytheamountinquestion,youareresponsibleforthe
remainderofyourbalance.
Wecanapplyanyunpaidamountagainstyourcreditlimit.
Afterwefinishourinvestigation,oneoftwothingswillhappen:
Ifwemadeamistake:Youwillnothavetopaytheamountinquestionorany
interestorotherfeesrelatedtothatamount.
Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountin
question,alongwithapplicableinterestandfees.Wewillsendyouastatementof
theamountyouoweandthedatepaymentisdue.Wemaythenreportyouas
delinquentifyoudonotpaytheamountwethinkyouowe.
Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetous
within10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyou
asdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttell
youthenameofanyonetowhomwereportedyouasdelinquent,andwemustlet
thoseorganizationsknowwhenthematterhasbeensettledbetweenus.
Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50ofthe
amountyouquestionevenifyourbilliscorrect.
YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchases
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Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyour
creditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,
youmayhavetherightnottopaytheremainingamountdueonthepurchase.
Tousethisright,allofthefollowingmustbetrue:
1. Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesof
yourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan
$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonan
advertisementwemailedtoyou,orifweownthecompanythatsoldyouthe
goodsorservices.)
2. Youmusthaveusedyourcreditcardforthepurchase.Purchasesmadewith
cashadvancesfromanATMorwithacheckthataccessesyourcreditcard
accountdonotqualify.
3. Youmustnotyethavefullypaidforthepurchase.
Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,
contactusinwritingat:
ComenityBank
POBox182782,Columbus,Ohio432182782
Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussed
above.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,if
wethinkyouoweanamountandyoudonotpay,wemayreportyouasdelinquent.

G.Optionalproducts
Creditinsurance(asapplicable)

Purchasingcreditinsuranceisoptional.Ifyoudochoosetocarrycreditinsurance
coverage,thepremiumchargewillbeaddedtoyourAccountasapurchaseonthe
lastdayofeachbillingperiod.Youcancancelyourcoverageatanytime.
AccountAssureDebtcancellation(asapplicable)

PurchasingAccountAssureisoptional.
YourdecisionwhetherornottopurchaseAccountAssurewontaffectyour
applicationforcreditorthetermsofanyexistingcreditagreementyouhavewithus.
ThemonthlyfeeforAccountAssureisbasedontheoutstandingmonthlybalance
onyourAccounteachmonthandwillbeaddedtoyourStatement.
WellprovideadditionalinformationbeforeyourerequiredtopayforAccount
Assure.ThiswillincludeacopyofthetermsandconditionspertainingtoAccount
Assure.
YoucancancelyourAccountAssureatanytime.
Thereareeligibilityrequirements,conditions,andexclusionsthatcouldpreventyou
fromreceivingbenefitsunderAccountAssure.
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BesuretocarefullyreadtheAddendumforafullexplanationofthetermsof
AccountAssure.

H.Communicatingwithus
CommunicatingtoyouaboutyourAccount

IfweneedtocontactyoutoserviceyourAccountortocollectamountsyouoweto
us,yougivedirectconsenttous,aswellasservicers,agents,independent
contractors,contractors,debtcollectorsorcollectionagencies,andtoanyoneto
whomwemaysellyouraccount,tocommunicatewithyouinanyway,suchas
calling,texting,oremailvia:
1. Yourcell,landline,textnumberoranynumberyouprovide,usetocontactus,or
anynumberwhichyoumayutilize,ortoanyotherdeviceorserviceforwhich
youmaybechargedforthecall,including,butnotlimitedto,VoiceOverInternet
Protocol(VOIP)
2. Anyemailaddressyouprovidetousoroneofourmerchants
3. Automatedtelephonedialingsystems
4. Prerecordedorartificialvoicemessagesandanyotherformofcommunication.
Youalsoagreethatthesecommunicationsarentunsolicitedforpurposesofany
stateorfederallawandyouunderstandthatcommunicationsmayresultinadditional
mobile,textmessage,datachargesorothercharges.
Phonemonitoring

Toprovideyouwithhighqualityservice,phonecommunicationwithusismonitored
and/orrecorded.
Youagreethatwemonitorand/orrecordanyphonecallsbetweenyouandus.
Pleaseinformallauthorizedcardholdersofthisprovision,includinganyoneacting
onyourbehalformakingpaymentsonthisAccount.
CommunicationinLanguagesOtherThanEnglish

Youagreetoreceiveallcommunicationsandcorrespondencerelatingtoyour
AccountinEnglish.Wemay,atouroption,communicatewithyouand/orprovide
translateddocumentsinalanguageotherthanEnglish.Anysuchcommunicationsor
documentsareprovidedsolelyasacourtesy.Wemaystopcommunicatingwithyou
innonEnglishlanguagesand/orprovidingtranslateddocumentsatanytime.While
wehaveattemptedtoensuretheaccuracyofourtranslations,wearenotliablefor
anyinaccuraciesintranslationorforanymisunderstandingsduetodifferencesin
languageusageordialect.IntheeventofanyinconsistenciesbetweentheEnglish
versionandthetranslation,theEnglishversionwillcontrol.
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ForWisconsinresidents:

Ifyouaremarried,pleasecontactusimmediatelyuponreceiptofthisAgreementat
18006959478(TDD/TTY18006951788)andprovideuswiththenameand
addressofyourspouse.Wearerequiredtoinformyourspousethatwehaveopened
acreditaccountforyou.
Forbankruptcynotifications:

AllbankruptcynoticesandrelatedcorrespondencetoComenityBankshouldbesent
tothefollowingaddress:ComenityBank,BankruptcyDepartment,POBox182125,
Columbus,Ohio432182125.

I.Arbitrationandjurytrialwaiver
A.Jurytrialwaiver

TOTHEEXTENTPERMITTEDBYLAW,YOUANDWEWAIVEANYRIGHTTO
TRIALBYJURYINTHEEVENTOFALAWSUITARISINGOUTOFORRELATED
TOTHISAGREEMENT.THISJURYTRIALWAIVERSHALLNOTAFFECTTHE
ARBITRATIONPROVISIONBELOW(INCLUDINGTHEJURYTRIALWAIVER
CONTAINEDTHEREIN).YOUANDWEEACHREPRESENTTHATTHISWAIVER
ISGIVENKNOWINGLY,WILLINGLYANDVOLUNTARILY.
B.Noticeandcure

Priortobringingalawsuitorinitiatinganarbitrationthatassertsaclaimarisingoutof
orrelatedtothisAgreement(asfurtherdefinedbelow,aClaim),thepartyasserting
theClaim(theClaimant)shallgivetheotherparty(theDefendant)writtennoticeof
theClaim(aClaimNotice)andareasonableopportunity,notlessthan30days,to
resolvetheClaim.AnyClaimNoticetoyoushallbesentinwritingtotheaddresswe
haveinourrecords(oranyupdatedaddressyousubsequentlyprovidetous).Any
ClaimNoticetousshallbesentbymailtoComenityBank,POBox182436,
Columbus,Ohio432182436(oranyupdatedaddresswesubsequentlyprovide).Any
ClaimNoticeyousendmustprovideyourname,addressandAccountnumber.Any
ClaimNoticemustexplainthenatureoftheClaimandthereliefthatisdemanded.
YoumayonlysubmitaClaimNoticeonyourownbehalfandnotonbehalfofany
otherparty.Nothirdparty,otherthanalawyeryouhavepersonallyretained,may
submitaClaimNoticeonyourbehalf.TheClaimantmustreasonablycooperatein
providinganyinformationabouttheClaimthattheotherpartyreasonablyrequests.
C.Arbitrationprovision

READTHISARBITRATIONPROVISIONCAREFULLY.IFYOUDONOTREJECT
THISARBITRATIONPROVISIONINACCORDANCEWITHPARAGRAPHC.1.
BELOW,ITWILLBEPARTOFTHISAGREEMENTANDWILLHAVEA
SUBSTANTIALIMPACTONTHEWAYYOUORWEWILLRESOLVEANYCLAIM
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WHICHYOUORWEHAVEAGAINSTEACHOTHERNOWORINTHEFUTURE.
1. YourRighttoReject:IfyoudontwantthisArbitrationProvision(andany
priorarbitrationagreementbetweenyouandus(PriorArbitration
Agreement))toapply,youmayrejectitbymailingusawrittenrejection
noticewhichgivesthenameofeachCardholderandcontainsastatement
thatyou(bothofyou,ifmorethanone)rejecttheArbitrationProvisionof
thisAgreement.TherejectionnoticemustbesenttousatComenityBank,
POBox182422,Columbus,Ohio432182422.Arejectionnoticeisonly
effectiveifitissignedbyyou(allofyou,ifmorethanone)andifwe
receiveitwithinthirty(30)calendardaysafterthedatewefirstprovideyou
withacreditcardagreementorwrittennoticeprovidingyouarightto
rejectthisArbitrationProvision.YourrejectionofthisArbitration
ProvisionwillnotaffectanyotherprovisionofthisAgreementoryour
abilitytoobtaincredit.
2. PartiesSubjecttoArbitration:SolelyasusedinthisArbitrationProvision(and
notelsewhereinthisAgreement),thetermswe,usandourmean(a)
ComenityBank,anyparent,subsidiaryoraffiliateoftheBankandthe
employees,officersanddirectorsofsuchcompanies(theBankParties)and
(b)anyotherpersonorcompanythatprovidesanyservicesinconnectionwith
thisAgreementifyouassertaClaimagainstsuchotherpersonorcompanyat
thesametimeyouassertaClaimagainstanyBankParty.
3. CoveredClaims:Claimmeansanyclaim,disputeorcontroversybetween
youandusthatinanywayarisesfromorrelatestothisAgreement,the
Account,theissuanceofanyCard,anyrewardsprogram,anyprioragreement
oraccount.Claimincludesdisputesarisingfromactionsoromissionspriorto
thedateanyCardwasissuedtoyou,includingtheadvertisingrelatedto,
applicationfororapprovaloftheAccount.Claimhasthebroadestpossible
meaning,andincludesinitialclaims,counterclaims,crossclaimsandthirdparty
claims.Itincludesdisputesbaseduponcontract,tort,consumerrights,fraudand
otherintentionaltorts,constitution,statute,regulation,ordinance,commonlaw
andequity(includinganyclaimforinjunctiveordeclaratoryrelief).Claimdoes
notincludedisputesaboutthevalidity,enforceability,coverageorscopeofthis
ArbitrationProvisionoranypartthereof(including,withoutlimitation,the
prohibitionagainstclassproceedings,privateattorneygeneralproceedings
and/ormultiplepartyproceedingsdescribedinParagraphC.7(theClassAction
Waiver),thelastsentenceofParagraphC.13and/orthissentence)allsuch
disputesareforacourtandnotanarbitratortodecide.However,anydisputeor
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argumentthatconcernsthevalidityorenforceabilityoftheAgreementasa
wholeisforthearbitrator,notacourt,todecide.
4. StartinganArbitration:Arbitrationmaybeelectedbyanypartywithrespectto
anyClaim,evenifthatpartyhasalreadyinitiatedalawsuitwithrespecttoa
differentClaim.Arbitrationisstartedbygivingawrittendemandforarbitrationto
theotherparty.WewillnotdemandtoarbitrateanindividualClaimthatyou
bringagainstusinsmallclaimscourtoryourstatesequivalentcourt,ifany.But
ifthatClaimistransferred,removedorappealedtoadifferentcourt,wethen
havetherighttodemandarbitration.
5. ChoosingtheAdministrator:AdministratormeanstheAmericanArbitration
Association(AAA),1633Broadway,10thFloor,NewYork,NY10019,
www.adr.orgJAMS,620EighthAvenue,34thFloor,NewYork,NY10018,
www.jamsadr.comoranyothercompanyselectedbymutualagreementofthe
parties.IfbothAAAandJAMScannotorwillnotserveandthepartiesare
unabletoselectanAdministratorbymutualconsent,theAdministratorwillbe
selectedbyacourt.ThearbitratorwillbeappointedbytheAdministratorin
accordancewiththerulesoftheAdministrator.However,thearbitratormustbea
retiredorformerjudgeoralawyerwithatleast10yearsofexperience.Youget
toselecttheAdministratorifyougiveuswrittennoticeofyourselectionwithyour
noticethatyouareelectingtoarbitrateanyClaimorwithin20daysafterwegive
younoticethatweareelectingtoarbitrateanyClaim(or,ifyoudisputeourright
torequirearbitrationoftheClaim,within20daysafterthatdisputeisfinally
resolved).IfyoudonotselecttheAdministratorontime,wemaydoit.
NotwithstandinganylanguageinthisArbitrationProvisiontothecontrary,no
arbitrationmaybeadministered,withouttheconsentofallpartiestothe
arbitration,byanyAdministratorthathasinplaceaformalorinformalpolicythat
isinconsistentwiththeClassActionWaiver.
6. CourtandJuryTrialsProhibitedOtherLimitationsonLegalRights:IF
YOUORWEELECTTOARBITRATEACLAIM,YOUWILLNOTHAVETHE
RIGHTTOPURSUETHATCLAIMINCOURTORHAVEAJURYDECIDE
THECLAIM.ALSO,YOURABILITYTOOBTAININFORMATIONFROMUSIS
MORELIMITEDINANARBITRATIONTHANINALAWSUIT.OTHERRIGHTS
THATYOUWOULDHAVEIFYOUWENTTOCOURTMAYALSONOTBE
AVAILABLEINARBITRATION.
7. ProhibitionAgainstCertainProceedings:IFYOUORWEELECTTO
ARBITRATEACLAIM:(1)NEITHERYOUNORWEMAYPARTICIPATEINA
CLASSACTIONINCOURTORINCLASSWIDEARBITRATION,EITHERAS
APLAINTIFF,DEFENDANTORCLASSMEMBER(2)NEITHERYOUNOR
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WEMAYACTASAPRIVATEATTORNEYGENERALINCOURTORIN
ARBITRATION(3)CLAIMSBROUGHTBYORAGAINSTYOUMAYNOTBE
JOINEDORCONSOLIDATEDWITHCLAIMSBROUGHTBYORAGAINST
ANYOTHERPERSONAND(4)THEARBITRATORSHALLHAVENO
POWERORAUTHORITYTOCONDUCTACLASSWIDEARBITRATION,
PRIVATEATTORNEYGENERALARBITRATIONORMULTIPLEPARTY
ARBITRATION.
8. LocationandCostsofArbitration:Anyarbitrationhearingthatyouattend
musttakeplaceatalocationreasonablyconvenienttoyou.Wewillpayanyand
allfeesoftheAdministratorand/orthearbitratorifapplicablelawrequiresusto,
ifyouprevailinthearbitrationorifwemustbearsuchfeesinorderforthis
ArbitrationProvisiontobeenforced.Ifyoudemandanarbitration,wewillpay
yourreasonableattorneysandexpertsfeesifyouprevailorifwemustbear
suchfeesinorderforthisArbitrationProvisiontobeenforced.Also,wewillbear
anyfeesifapplicablelawrequiresusto.
9. GoverningLaw:ThisArbitrationProvisioninvolvesinterstatecommerceandis
governedbytheFederalArbitrationAct,9U.S.C.116(theFAA),andnot
byanystatearbitrationlaw.Thearbitratormustapplyapplicablesubstantivelaw
consistentwiththeFAAandapplicablestatutesoflimitationsandclaimsof
privilegerecognizedatlaw.Thearbitratormayawardanyremedyprovidedby
thesubstantivelawthatwouldapplyiftheactionwerependingincourt
(including,withoutlimitation,punitivedamages,whichshallbegovernedbythe
Constitutionalstandardsemployedbythecourts).Atthetimelyrequestofeither
party,thearbitratormustprovideabriefwrittenexplanationofthebasisforthe
award.
10. RighttoDiscovery:Inadditiontothepartiesrightstoobtaindiscovery
pursuanttothearbitrationrulesoftheAdministrator,eitherpartymaysubmita
writtenrequesttothearbitratortoexpandthescopeofdiscoverynormally
allowableunderthearbitrationrulesoftheAdministrator.Thearbitratorshall
havediscretiontograntordenythatrequest.
11. ArbitrationResultandRightofAppeal:Judgmentuponthearbitratorsaward
maybeenteredbyanycourthavingjurisdiction.Thearbitratorsdecisionisfinal
andbinding,exceptforanyrightofappealprovidedbytheFAA.However,ifthe
amountoftheClaimexceeds$50,000orinvolvesarequestforinjunctiveor
declaratoryreliefthatcouldforeseeablyinvolveacostorbenefittoeitherparty
exceeding$50,000,anypartycan,within30daysaftertheentryoftheawardby
thearbitrator,appealtheawardtoathreearbitratorpaneladministeredbythe
Administrator.Thepanelshallreconsideranewanyaspectoftheinitialaward
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requestedbytheappealingparty.Thedecisionofthepanelshallbebymajority
vote.ReferenceinthisArbitrationProvisiontothearbitratorshallmeanthe
panelifanappealofthearbitratorsdecisionhasbeentaken.Thecostsofsuch
anappealwillbeborneinaccordancewithParagraphC.8.above.
12. RulesofInterpretation:ThisArbitrationProvisionshallsurvivetherepayment
ofallamountsowedunderthisAgreement,theclosingoftheAccount,anylegal
proceedingandanybankruptcytotheextentconsistentwithapplicable
bankruptcylaw.Intheeventofaconflictorinconsistencybetweenthis
ArbitrationProvision,ontheonehand,andtheapplicablearbitrationrulesorthe
otherprovisionsofthisAgreement,ontheotherhand,thisArbitrationProvision
shallgovern.ThisArbitrationProvisionreplacesanyPriorArbitration
Agreement.
13. Severability:IfanyportionofthisArbitrationProvision,otherthantheClass
ActionWaiver,isdeemedinvalidorunenforceable,theremainingportionsshall
neverthelessremaininforce.IfadeterminationismadethattheClassAction
Waiverisunenforceable,onlythissentenceoftheArbitrationAgreementwill
remaininforceandtheremainingprovisionsshallbenullandvoid,providedthat
thedeterminationconcerningtheClassActionWaivershallbesubjecttoappeal.
14. SpecialPayment:If(1)yousubmitaClaimNoticeinaccordancewith
ParagraphBaboveonyourownbehalf(andnotonbehalfofanyotherparty)
(2)werefusetoprovideyouwiththereliefyourequestand(3)anarbitrator
subsequentlydeterminesthatyouwereentitledtosuchrelief(orgreaterrelief),
thearbitratorshallawardyouatleast$5,100(plusanyfeesandcoststowhich
youareentitled).

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