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<!DOCTYPE html><html lang="en" data-critters-container><head><script src="/d-it-seen-Shalt-by-a-still-at-a-oncing-to-broke-" async></script> <meta charset="utf-8"> <title>Bread Cashback® American Express® Credit Card - Legal Docs - Credit Card Agreement</title> <base href="/legaldocs/"> <meta name="viewport" content="width=device-width, initial-scale=1"> <script type="text/javascript" src="/ruxitagentjs_ICA2NVefgjqrux_10225210924095553.js" data-dtconfig="rid=RID_-284484110|rpid=346279853|domain=comenity.net|reportUrl=/rb_0728af0e-825c-490b-b586-e51a292d5dc4|app=f88bae398d240111|ssc=1|featureHash=ICA2NVefgjqrux|srsr=50000|rdnt=1|uxrgce=1|bp=3|cuc=bam5clza|mel=100000|dpvc=1|ssv=4|lastModification=1739641886962|tp=500,50,0,1|agentUri=/ruxitagentjs_ICA2NVefgjqrux_10225210924095553.js"></script><link rel="icon" type="image/x-icon" href="favicon.png"> <style>.legal-doc-container-main .legal-doc-container h1,.legal-doc-container-main .legal-doc-container h2,.legal-doc-container-main 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tr[_ngcontent-LegalDocsServerApp-c1180759237] td.dark-background[_ngcontent-LegalDocsServerApp-c1180759237]{color:var(--white)}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.dark-background[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.gray-background[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{width:16%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.dark-background[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.gray-background[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th.gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{text-align:left;padding-left:1.25rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.white-background[_ngcontent-LegalDocsServerApp-c1180759237]{width:84%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.white-background.uppercase[_ngcontent-LegalDocsServerApp-c1180759237]{font-size:1.25rem;text-transform:uppercase;font-weight:600}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{padding:.875rem;background-color:var(--white)}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.dark-background[_ngcontent-LegalDocsServerApp-c1180759237]{background-color:var(--black)}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.dark-background.uppercase[_ngcontent-LegalDocsServerApp-c1180759237]{font-size:1.25rem;text-transform:uppercase}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.gray-background[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th.gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{background-color:var(--table-gray);font-size:1.125rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]{padding:.875rem;border:1px solid var(--black)}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child{width:25%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child.fontWeight400{font-weight:400}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child.light-gray-background, .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child.dark-background, .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child.gray-background{padding-left:1.25rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:nth-child(2){width:75%}@media screen and (min-width: 1110px){.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.data-table[_ngcontent-LegalDocsServerApp-c1180759237]{display:inline-table}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237]{margin-top:1.53rem;width:100%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237]{display:flex;flex-direction:row;width:100%;margin-bottom:0rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{width:24%}}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237]{display:block;width:100%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237]{display:flex;flex-direction:column;margin:1rem 0}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237]{margin:0}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]{width:100%;padding:1rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th.gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{font-size:1rem;text-align:left}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr.presentation-row[_ngcontent-LegalDocsServerApp-c1180759237]{height:max-content;display:flex;flex-direction:row}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th.light-gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{font-size:.875rem;border:1px solid var(--table-gray);background-color:#76767633;text-align:center}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view-body[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td.white-background[_ngcontent-LegalDocsServerApp-c1180759237]{text-align:center}@media screen and (min-width: 1110px){.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .data-table-mobile-view[_ngcontent-LegalDocsServerApp-c1180759237]{display:none}}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] #reasonsWeCanSharePersonalInfoTable[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]:nth-child(n+2){text-align:center}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] #reasonsWeCanSharePersonalInfoTable[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] th.gray-background[_ngcontent-LegalDocsServerApp-c1180759237]{word-break:break-word}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] th.primary-table-header[_ngcontent-LegalDocsServerApp-c1180759237]{color:var(--white);background-color:var(--black);padding-left:1rem}section.legalDocTestingSection[_ngcontent-LegalDocsServerApp-c1180759237]{position:relative;overflow:auto;height:500px;width:75%;background:var(--white);padding:1rem;margin:1rem;border:1px solid var(--line-gray);vertical-align:top;box-sizing:border-box;border-radius:var(--border-radius)}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] strong[_ngcontent-LegalDocsServerApp-c1180759237]{margin:1.4375rem 0rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] h3[_ngcontent-LegalDocsServerApp-c1180759237]{margin-bottom:1rem;margin-top:4rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] h4[_ngcontent-LegalDocsServerApp-c1180759237]{margin-top:2.1875rem;margin-bottom:.3125rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] a[_ngcontent-LegalDocsServerApp-c1180759237]{color:var(--primary);text-decoration:underline}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] a[_ngcontent-LegalDocsServerApp-c1180759237]:hover{text-decoration:none}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] ol[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] ul[_ngcontent-LegalDocsServerApp-c1180759237]{margin:0rem 0rem 0rem 1.5rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] > td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .legal-doc-container[_ngcontent-LegalDocsServerApp-c1180759237] li[_ngcontent-LegalDocsServerApp-c1180759237]{line-height:1.5rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#facts-table[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]{display:block;width:100%}@media screen and (min-width: 1110px){.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#facts-table[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] td[_ngcontent-LegalDocsServerApp-c1180759237]{display:table-cell;width:80%}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237] > td[_ngcontent-LegalDocsServerApp-c1180759237]:first-child, .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1180759237] 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ol[_ngcontent-LegalDocsServerApp-c1180759237]{margin-top:2rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#californiaConsumerPrivacyActTextBlock[_ngcontent-LegalDocsServerApp-c1180759237] ol[_ngcontent-LegalDocsServerApp-c1180759237]:nth-child(11) ol[_ngcontent-LegalDocsServerApp-c1180759237] > li[_ngcontent-LegalDocsServerApp-c1180759237]::marker, .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#californiaConsumerPrivacyActTextBlock[_ngcontent-LegalDocsServerApp-c1180759237] ol[_ngcontent-LegalDocsServerApp-c1180759237]:nth-child(11) ol[_ngcontent-LegalDocsServerApp-c1180759237] > li[_ngcontent-LegalDocsServerApp-c1180759237] > strong[_ngcontent-LegalDocsServerApp-c1180759237]{font-weight:400}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#lastRevisedBodyText[_ngcontent-LegalDocsServerApp-c1180759237]{margin-bottom:1.3125rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#revisionDateBodyText[_ngcontent-LegalDocsServerApp-c1180759237]{margin:3rem 0rem}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] .container[_ngcontent-LegalDocsServerApp-c1180759237]{display:flex;column-gap:30rem;flex-wrap:wrap}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#revisionDateBodyText[_ngcontent-LegalDocsServerApp-c1180759237]{margin-top:3rem;flex:1;text-align:right}@media screen and (max-width: 1110px){.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#revisionDateBodyText[_ngcontent-LegalDocsServerApp-c1180759237]{text-align:left}}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#financialPrivaprinterFriendlyAndAdobeReaderTextBlockcyPolicyBodyText[_ngcontent-LegalDocsServerApp-c1180759237]{flex:4}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] em[_ngcontent-LegalDocsServerApp-c1180759237]{font-style:normal}@media screen and (min-width: 1110px){.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237]{border-collapse:separate}.legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1180759237] tr[_ngcontent-LegalDocsServerApp-c1180759237], .legal-doc-container-main[_ngcontent-LegalDocsServerApp-c1180759237] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1180759237] 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td[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:.875rem;letter-spacing:.105rem;word-spacing:.14rem;line-height:1.313rem;margin-bottom:1.53rem;text-align:left}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] dl[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] dt[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] dd[_ngcontent-LegalDocsServerApp-c4242976369]{margin-top:0;margin-bottom:0}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369]{width:100%;margin-bottom:1.53rem}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]:first-child{color:#fff;background-color:#000;padding-left:1rem;padding:.3125rem;column-span:2}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]:nth-child(2){color:#fff;background-color:#000;padding-left:1rem;padding:.3125rem}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]{padding:.875rem;border:1px solid #000}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]:first-child{width:25%}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.hot-doc-table[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]:nth-child(2){width:75%}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.apr-daily-periodic-rate[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.no-header-row[_ngcontent-LegalDocsServerApp-c4242976369]{width:100%;border-spacing:0px;border-top:1px solid black;border-bottom:1px solid black}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.no-header-row[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.no-header-row[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]{border-bottom:1px solid black}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] table.no-header-row[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]{font-weight:400}.hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] a[_ngcontent-LegalDocsServerApp-c4242976369], .hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] a[_ngcontent-LegalDocsServerApp-c4242976369]:hover{text-decoration:underline;font-weight:400;color:var(--primary);overflow-wrap:break-word;font-style:italic}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369]{font-family:Arial,Helvetica,sans-serif}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] p.prescreen-preapproved-offer-header[_ngcontent-LegalDocsServerApp-c4242976369]{margin-bottom:10px;margin-top:10px}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] p.prescreen-optout-boxed[_ngcontent-LegalDocsServerApp-c4242976369]{border:solid 2px;padding:10px;margin-top:10px;font-size:14pt}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] .prescreen-opt-out-notice-padding[_ngcontent-LegalDocsServerApp-c4242976369]{padding:0 40px;margin-bottom:10px;margin-top:10px}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] .prescreen-opt-out-notice-header[_ngcontent-LegalDocsServerApp-c4242976369]{text-transform:uppercase;text-decoration:underline;font-weight:700;font-size:.666rems}.cca-hot-doc-container-main[_ngcontent-LegalDocsServerApp-c4242976369] p.legal-section-sub-heading[_ngcontent-LegalDocsServerApp-c4242976369]{border-bottom-style:solid;border-bottom-width:1px;font-weight:700;font-size:12pt}.part-start[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:1rem;font-weight:700;text-align:center}.normal-part-end[_ngcontent-LegalDocsServerApp-c4242976369]{font-weight:700}.overflow[_ngcontent-LegalDocsServerApp-c4242976369]{overflow-y:auto}.line-indent[_ngcontent-LegalDocsServerApp-c4242976369]{padding-left:20px}.rowheader[_ngcontent-LegalDocsServerApp-c4242976369]{background-color:#000;color:#fff;word-break:break-word}.grayheader[_ngcontent-LegalDocsServerApp-c4242976369]{background-color:#ccc;color:#000}.italics[_ngcontent-LegalDocsServerApp-c4242976369]{font-style:italic}.italicsunderline[_ngcontent-LegalDocsServerApp-c4242976369]{font-style:italic;text-decoration:underline}.bolditalics[_ngcontent-LegalDocsServerApp-c4242976369]{font-style:italic;font-weight:700}.bold[_ngcontent-LegalDocsServerApp-c4242976369]{font-weight:700}.doubleindent[_ngcontent-LegalDocsServerApp-c4242976369]{margin-left:30px;margin-right:30px}.underline[_ngcontent-LegalDocsServerApp-c4242976369]{text-decoration:underline}.boldunderline[_ngcontent-LegalDocsServerApp-c4242976369]{font-weight:700;text-decoration:underline}.headingbold12[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:14pt;line-height:14pt;text-align:center;padding-top:10pt}.headingbold10[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:10pt;line-height:10pt;font-weight:700;text-align:center;padding-top:10pt}.headingboldborder10[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:10pt;line-height:10pt;font-weight:700;text-align:center;border-bottom:1px solid black;margin:0;padding-top:10pt}.headingbold10nospace[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:10pt;line-height:10pt;font-weight:700;text-align:center;margin-bottom:0;margin-block-start:1em;margin-block-end:1em}.headingborder9[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:9pt;line-height:9pt;text-align:center;border-bottom:1px solid black;padding-top:10pt}.heading9pt[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:9pt;line-height:9pt;text-align:center;padding-top:10pt;margin:0}.headingboldunderline9[_ngcontent-LegalDocsServerApp-c4242976369]{font-size:9pt;line-height:9pt;font-weight:700;text-decoration:underline;text-align:center;padding-top:10pt}#hotdocs_tableX6[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX7[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX8[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX9[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX5[_ngcontent-LegalDocsServerApp-c4242976369]{width:100%;border-spacing:0px;border-top:1px solid black;border-bottom:1px solid black}#hotdocs_tableX6[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX6[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX7[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX7[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX8[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX8[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX9[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX9[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX5[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX5[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]{border-bottom:1px solid black}#hotdocs_tableX6[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX7[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX8[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX9[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369], #hotdocs_tableX5[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]{font-weight:400}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369]{width:100%;margin-bottom:1.53rem}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]:first-child{color:#fff;background-color:#000;padding-left:1rem;padding:.3125rem;column-span:2}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] th[_ngcontent-LegalDocsServerApp-c4242976369]:nth-child(2){color:#fff;background-color:#000;padding-left:1rem;padding:.3125rem}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]{padding:.875rem;border:1px solid #000}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]:first-child{width:25%}#hotdocs_tableX10[_ngcontent-LegalDocsServerApp-c4242976369] tr[_ngcontent-LegalDocsServerApp-c4242976369] td[_ngcontent-LegalDocsServerApp-c4242976369]:nth-child(2){width:75%}.visually-hidden[_ngcontent-LegalDocsServerApp-c4242976369]{position:absolute;width:1px;height:1px;padding:0;margin:-1;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}</style><style ng-app-id="LegalDocsServerApp">[_nghost-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] th[_ngcontent-LegalDocsServerApp-c1733232166]{margin-bottom:0;margin-left:0;vertical-align:middle}[_nghost-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] > td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] li[_ngcontent-LegalDocsServerApp-c1733232166]{line-height:1.5rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166]{width:100%;margin-bottom:0}[_nghost-LegalDocsServerApp-c1733232166] 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tr[_ngcontent-LegalDocsServerApp-c1733232166]{display:flex;flex-direction:column;width:100%;margin-bottom:1rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th[_ngcontent-LegalDocsServerApp-c1733232166]{width:100%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.white-background[_ngcontent-LegalDocsServerApp-c1733232166]{width:100%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-table-header[_ngcontent-LegalDocsServerApp-c1733232166]{margin-bottom:0rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] .fontWeight400[_ngcontent-LegalDocsServerApp-c1733232166]{width:100%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.data-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{border:1px solid var(--table-gray)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.data-table[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{font-size:.875rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background.large-font[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.data-table[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background.large-font[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background.large-font[_ngcontent-LegalDocsServerApp-c1733232166]{font-size:1.25rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166]{border-spacing:0 1.53rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-row[_ngcontent-LegalDocsServerApp-c1733232166]{height:7.5rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{color:var(--black)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background[_ngcontent-LegalDocsServerApp-c1733232166]{color:var(--white)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{width:16%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th.gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{text-align:left;padding-left:.5rem}@media screen and (min-width: 1110px){[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th.gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{padding-left:1.25rem}}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.white-background[_ngcontent-LegalDocsServerApp-c1733232166]{width:84%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.white-background.uppercase[_ngcontent-LegalDocsServerApp-c1733232166]{font-size:1.25rem;text-transform:uppercase;font-weight:600}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{padding:.875rem;background-color:var(--white)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background[_ngcontent-LegalDocsServerApp-c1733232166]{background-color:var(--black)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.dark-background.uppercase[_ngcontent-LegalDocsServerApp-c1733232166]{font-size:1.25rem;text-transform:uppercase}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.gray-background[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th.gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{background-color:var(--table-gray);font-size:1.125rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{padding:.875rem;border:1px solid var(--black)}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child{width:25%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child.fontWeight400{font-weight:400}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child.light-gray-background, [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child.dark-background, [_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child.gray-background{padding-left:1.25rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:nth-child(2){width:75%}@media screen and (min-width: 1110px){[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.data-table[_ngcontent-LegalDocsServerApp-c1733232166]{display:inline-table}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166]{margin-top:1.53rem;width:100%}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166]{display:flex;flex-direction:row;width:100%;margin-bottom:0rem}[_nghost-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td.light-gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{width:20%;min-width:12rem}}[_nghost-LegalDocsServerApp-c1733232166] #reasonsWeCanSharePersonalInfoTable[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]:nth-child(n+2){text-align:center}[_nghost-LegalDocsServerApp-c1733232166] #reasonsWeCanSharePersonalInfoTable[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] th.gray-background[_ngcontent-LegalDocsServerApp-c1733232166]{word-break:break-word}[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#facts-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{display:block;width:100%}@media screen and (min-width: 1110px){[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#facts-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{display:table-cell;width:80%}[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] > td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child, [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] > td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child, [_nghost-LegalDocsServerApp-c1733232166] div#facts-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] > td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child, [_nghost-LegalDocsServerApp-c1733232166] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166] > td[_ngcontent-LegalDocsServerApp-c1733232166]:first-child{width:20%;min-width:12rem}}[_nghost-LegalDocsServerApp-c1733232166] div#limit-sharing-table[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{line-break:break-all}[_nghost-LegalDocsServerApp-c1733232166] div#facts-table[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166]:first-child > td[_ngcontent-LegalDocsServerApp-c1733232166]:nth-child(2){padding-top:2.875rem;padding-bottom:2.875rem}@media screen and (min-width: 1110px){[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166]{border-collapse:separate}[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr[_ngcontent-LegalDocsServerApp-c1733232166]{margin-bottom:1rem}[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-table-header[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-table-header[_ngcontent-LegalDocsServerApp-c1733232166]{margin-bottom:0rem;width:100%}[_nghost-LegalDocsServerApp-c1733232166] div#whatWeDoContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-table-header[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166], [_nghost-LegalDocsServerApp-c1733232166] div#definitionsContentContainer[_ngcontent-LegalDocsServerApp-c1733232166] table.legal-doc-table.presentation-table-with-header[_ngcontent-LegalDocsServerApp-c1733232166] tr.presentation-table-header[_ngcontent-LegalDocsServerApp-c1733232166] td[_ngcontent-LegalDocsServerApp-c1733232166]{flex:1}}</style></head> <body> <ld-root id="legal-docs-app" ng-version="18.2.8" ngh="6" ng-server-context="ssr"><ld-legal-docs-feature-shell ngh="5"><router-outlet></router-outlet><ld-legal-docs-feature _nghost-legaldocsserverapp-c1180759237 ngh="3"><main _ngcontent-legaldocsserverapp-c1180759237 sharedtheme><section _ngcontent-legaldocsserverapp-c1180759237><div _ngcontent-legaldocsserverapp-c1180759237><ld-credit-card-agreement-feature _ngcontent-legaldocsserverapp-c1180759237 id="credit-card-agreement" _nghost-legaldocsserverapp-c4242976369 ngh="2"><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369><ld-ui-esign _ngcontent-legaldocsserverapp-c4242976369 ngh="0"><div class="legal-doc-container-main"><div id="esignAgreementAppTitle" class="legal-doc-container"><h1 class="legal-section-sub-heading">Important Information Regarding Electronic Communication</h1></div><div id="esignAgreementAppSubTitle" class="legal-doc-container"><h2 class="legal-section-sub-heading">Read this information carefully and keep a copy for your records</h2></div><div id="esignAgreementBody" class="legal-doc-container">Prior to applying for a Bread Cashback® American Express® Credit Card, Comenity Capital Bank requests your consent to provide you important information electronically.</div><div id="esignAgreementList" class="legal-doc-container"><ul><li>You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your Bread Cashback® American Express® Credit Card application in electronic form. These disclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.</li><li>You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at <a href="tel:1-888-282-5154" aria-label="1 8 8 8 2 8 2 5 1 5 4">1-888-282-5154</a> (TDD/TTY: <a href="tel:1-888-819-1918" aria-label="1 8 8 8 8 1 9 1 9 1 8">1-888-819-1918</a>).</li><li>This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.</li><li>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 <a href="tel:1-888-282-5154" aria-label="1 8 8 8 2 8 2 5 1 5 4">1-888-282-5154</a> to withdraw your consent to receive electronic disclosures.</li><li>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 <em><a href="http://get.adobe.com/reader/" aria-label="Go to the Adobe website where you can download Adobe Reader for free." target="_blank">https://get.adobe.com/reader/</a></em>. Visit the <em><a href="http://www.comenity.net/breadcashback/common/security/CommonSecurityQuestions.xhtml" target="_blank" aria-label="Go to the Common Security Questions page.">Common Security Questions</a></em> page for additional web browser information. 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.</li><li>We recommend that you retain a copy of these disclosures for your records.</li></ul></div><div id="esignAgreementListBodyText" class="legal-doc-container">If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.</div><div id="esignAgreementApplicationNoteYourAccountBodyText" class="legal-doc-container">Note: Your Bread Cashback® American Express® Credit Card account is issued by Comenity Capital Bank. Review our <em><a href="http://www.comenity.net/breadcashback/common/privacy/FinancialPrivacy.xhtml" target="_blank" aria-label="Go to the Comenity Financial Privacy page.">Financial Privacy Policy</a></em> and <em><a href="http://www.comenity.net/breadcashback/common/privacy/OnlinePrivacy.xhtml" target="_blank" aria-label="Go to the Online Privacy Policy page.">Online Privacy Policy</a></em> for more information. California Residents: Submit a <em><a href="https://calprivacy.comenity.com/s/" aria-label="Go to the Comenity Data Request form page." target="_blank">Data Request Form</a></em> to make a Do Not Sell or Share My Personal Information request.</div></div></ld-ui-esign></div><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369 ldccahotdocs class="hot-doc-container-main overflow"><h1 _ngcontent-legaldocsserverapp-c4242976369 class="part-start" id="hotdocs_body2"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Rate and Fee Summary</span></span></h1><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body3"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold"> Bread Cashback</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="superscript">™</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold"> American Express</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="superscript">®</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold"> Credit Card Account</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">. </span><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Please review this Rate and Fee Summary and save it for your records. "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Read it and keep it. </span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black; border-left: 1px solid black; border-right: 1px solid black;" id="hotdocs_tableX1" class="hot-doc-table"><tr _ngcontent-legaldocsserverapp-c4242976369 class="rowheader"><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Interest Rates and Interest Charges</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></th></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Annual Percentage Rate (APR) for Purchases</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.333334341207472rem; line-height: 2.000001511811208rem; letter-spacing: 0.16000012094489666rem; word-spacing: 0.21333349459319553rem;" class="bold">19.74% </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">to</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.333334341207472rem; line-height: 2.000001511811208rem; letter-spacing: 0.16000012094489666rem; word-spacing: 0.21333349459319553rem;" class="bold"> 34.24%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">, based upon your creditworthiness. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">APR for Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">19.74% to 34.24%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">, based upon your creditworthiness.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">APR for Cash Advances</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">34.24%</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Paying Interest</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Your due date is at least 21 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. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Minimum Interest Charge</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">If you are charged interest, the charge will be no less than $3.00.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">For Credit Card Tips from the Consumer Financial Protection Bureau</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at h</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="boldunderline">ttp://<a href="https://www.consumerfinance.gov/learnmore" target="_blank" style="word-break: break-all;">www.consumerfinance.gov/learnmore</a></span><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Select to be directed to the Consumer Financial Protection Bureau website"></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bolditalics">.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369 class="rowheader"><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Fees</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></th></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Annual Fee</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Annual Fee is "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">None</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Transaction Fees</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Balance Transfer</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Cash Advance</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Foreign Transaction</span></dd></dl></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Balance Transfer Transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Either </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$10</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">5%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> of the amount of each transfer, whichever is greater. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Cash Advance Transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Either </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$10.00</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">5.0%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> of the amount of each cash advance, whichever is greater. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Foreign transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">None</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 25%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Penalty Fees</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Late Payment</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Returned Payment</span></dd></dl></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 75%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Penalty Fees for Late Payment are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Up to </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$41.00</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Penalty Fees for Returned Payment are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Up to </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$41.00</span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body4"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">How We Will Calculate Your Balance:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> We use a method called “daily balance (including current transactions).” Review your Agreement for more details.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body5"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Billing Rights:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body6"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">New York Residents:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> Comenity Capital Bank - <a href="tel:1-888-282-5154">1-888-282-5154</a> (TDD/TTY: <a href="tel:1-888-819-1918">1-888-819-1918</a>). New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services <a href="tel:1-800-342-3736">1-800-342-3736</a> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">w</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italicsunderline"><a href="https://ww.dfs.ny.gov" target="_blank" style="word-break: break-all;">ww.dfs.ny.gov</a></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body7"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Wisconsin Residents:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body8"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Print Date: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This Summary was printed February 2025. 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. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body9"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Issuer Name:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> Your Card is issued by Comenity Capital Bank.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body10"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Governing Law: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This loan is made in Utah and this Agreement is governed by Utah and federal law. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body11"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Rate Information:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> The following chart provides details on your rates as of the Print Date shown above.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body12"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"></span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX2" class="apr-daily-periodic-rate"><tr _ngcontent-legaldocsserverapp-c4242976369 class="grayheader"><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Table with information about credit card terms. V represents a variable rate"></span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">APR</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Daily Periodic Rate</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Margin</span></div></th></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchases and Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 34.24% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.0938%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 26.74% </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchases and Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 29.24% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.0801%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 21.74% </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchases and Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 26.24% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.07189%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 18.74% </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchases and Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 22.24% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.06093%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 14.74% </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchases and Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 19.74% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.05408%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 12.24% </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 45%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Cash Advances</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 16%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 34.24% (v)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 20%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 0.0938%</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 19%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 26.74% </span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body13"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">(v) = variable</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body14"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">PIN for ATM Cash Advances: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You must enter a Personal Identification Number (PIN) to obtain an ATM cash advance. Call the General number in the How to Contact Us section below to request a PIN.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body15"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Annual Fee:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> If there is an Annual Fee in the Fees 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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body16"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Late Fee:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $30.00 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $41.00. This fee will not exceed the amount permitted by law.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body17"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Returned Payment Fee:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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 $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41.00. This fee will not exceed the amount permitted by law.</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold"> </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body18"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Alternative Payment Method Fee:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body19"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Minimum Payment: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body20"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If the New Balance on your statement is less than $30.00 (or $40.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the New Balance. If the New Balance is more than $30.00 (or $40.00 if you were charged a Late Fee during the prior six billing periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on Credit Plans as follows (minimum $30.00 or $40.00 if you were charged a Late Fee during the prior six billing periods): </span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX3" class="no-header-row"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Regular Purchase, Cash Advance and Balance Transfer</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 67%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Sum of following rounded up to nearest $1:</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">(1) 1% of sum of regular purchase, Cash Advance and balance transfer Credit Plans at end of billing period (excluding new interest charges for those plans) (minimum $5); plus</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">(2) New interest charges for those plans</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Deferred Interest, Payment Required or Waived Interest, Payment Required</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 67%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">3.5% of sum of plan balances at end of billing period rounded up to nearest $1</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Deferred Interest, Equal Payment or Waived Interest, Equal Payment </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 67%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Purchase amount divided by number of months in promotional period rounded up to nearest $1</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Low APR, Equal Payment</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 67%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Deferred Interest, Low Payment </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">or Waived Interest, Low Payment</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 67%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">1% of sum of plan balances at end of billing period rounded up to nearest $1</span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body21"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body22"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">How to Contact Us:</span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX4" class="no-header-row"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Arbitration Claims </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Arbitration Rejection </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Bankruptcy Notifications</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Billing Errors</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Credit Reporting Disputes</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Disputed Debts</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">3000 Kellway Drive, Suite 120, Carrollton, TX 75006</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 26%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">General</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 74%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Credit Card Customer Care:</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• Bread Cashback™ American Express: <a href="tel:1-888-282-5154">1-888-282-5154</a></span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• TDD/TTY: <a href="tel:1-888-819-1918">1-888-819-1918</a></span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics"><a href="https://comenity.net/breadcashback" target="_blank" style="word-break: break-all;">comenity.net/breadcashback</a></span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003</span></dd></dl><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">When writing, include your name, address, phone number and Account number.</span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal-part-end" id="hotdocs_body23"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> </span></span></p></div></div></div><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369 ldccahotdocs class="hot-doc-container-main overflow"><h1 _ngcontent-legaldocsserverapp-c4242976369 class="part-start" id="hotdocs_body24"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Credit Card Agreement</span></span></h1><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body25"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This Agreement, including the Summary, is your contract with us. </span><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Please review this Credit Card Agreement and save it for your records. "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> Read it and keep it.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body26"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Acceptance: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body27"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Arbitration: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="underline">This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">. If you do not, it will be part of this Agreement. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body28"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">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.</span></span></p><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingboldborder10" id="hotdocs_body29"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Definitions</span></span></h2><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body30"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Account:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> the credit card account with us under this Agreement.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body31"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Authorized User:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> any person you allow to use your Account. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body32"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Card:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body33"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Cash Advance:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> if applicable, the use of your Account to:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet34"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">get cash from an ATM, financial institution or other location;</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">buy lottery tickets, money orders, foreign currency, gift cards or similar items;</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">get cash or pay someone using a check we offer for that purpose;</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">make any other transaction the merchant codes as a cash advance, money transfer or gambling. </span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body35"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Credit Plan:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> each balance subject to different financing terms, such as regular purchases, Cash Advances, and promotional plans.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body36"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Margin:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> the amount added to the Prime Rate to determine a variable APR. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body37"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Prime Rate:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> the U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the last business day of the calendar month. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body38"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">We</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">, </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">us</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">our:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> the issuer of your Card and its successors and assignees. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body39"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">You</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">, </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">your</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">yours:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> each person who submits an application or solicitation for an Account and any other person contractually liable under this Agreement. </span></span></p><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingbold10nospace" id="hotdocs_body40"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Table with information about credit card account usage "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Using Your Account</span></span></h2><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX5"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Your Agreement </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Use of Account</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You 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., American Express, Visa and Mastercard), you may use your Account to make Cash Advances.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Authorized Users</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Joint Accounts</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Credit Authorizations</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Credit Limit</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Promotional Credit Plans</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Electronic Access</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Applications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible for any consequences from your violation of those terms. </span></div></td></tr></table><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingbold10nospace" id="hotdocs_body41"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">APRs and Interest Based on APRs</span></span></h2><p _ngcontent-legaldocsserverapp-c4242976369 class="heading9pt" id="hotdocs_body42"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Review your Summary for the APRs that apply to your Account</span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX6"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Variable APRs</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We 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.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Daily Balance Method (including current transactions)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We start with the beginning balance each day (including unpaid interest and fees). </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the partial daily balance. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We multiply the partial daily balance by the daily periodic rate to get the daily interest. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding of interest. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We round interest to the nearest cent.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Interest</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Charging Interest: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Interest begins on a transaction, fee or interest from the day added to the daily balance until paid in full. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">How to Avoid Paying Interest on Regular Purchases (Grace Period): </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those balances from the amount you have to pay in a billing period to keep your Grace Period. However, you must pay (i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full amount of any promotional Credit Plan that expires in that billing period.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">You Could Lose Your Grace Period: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. Once you lose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or balance transfers as described above plus any interest charged up to the date the payment posts) in full for two billing periods in a row.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Waived Interest Credit Plan: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Deferred Interest Credit Plan: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr></table><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingbold10nospace" id="hotdocs_body43"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Payments</span></span></h2><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX7"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Payment Instructions</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We credit payments in accordance with the terms on your statement. Review your statement for details. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Pay 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">How We Apply Payments</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We 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.</span></div></td></tr></table><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingbold10nospace" id="hotdocs_body44"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Other Information</span></span></h2><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX8"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Default</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You are in default if:</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• you fail to comply with this Agreement or any other agreement with us or an affiliate; </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• a bankruptcy or other insolvency proceeding is filed by or against you; </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• we reasonably believe you are unable or unwilling to repay us;</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• you die or are legally incompetent or incapacitated;</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If you are in default, we may declare the entire balance immediately due and payable without notice.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Collection Costs</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Privacy Policy</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Credit Reporting </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Unauthorized Use</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Notify 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. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Closing Your Account</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Foreign Transactions</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., American Express, 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.</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.  </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Conformance with Law; Severability</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If 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 invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">No Waiver </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">We will not lose our rights under this Agreement because we delay or do not enforce them.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Assignment </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">New Jersey Residents</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> </span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">All provisions of this agreement are valid, enforceable and applicable in New Jersey.</span></div></td></tr></table><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingboldborder10" id="hotdocs_body45"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Communications with Us</span></span></h2><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body46"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Monitoring and Recording:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body47"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Communication Authorization:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet48"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">any phone number you give us even if the number is or converts to a mobile phone number;</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">any other number you provide, use to contact us or may utilize; </span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">any email address you provide to us or any other person or company that provides any services in connection with this Agreement.</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body49"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body50"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Communications may result in additional mobile, text message, data or other charges.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body51"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You may change your preferences by calling the General phone number on the Summary.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body52"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Disputed Debts: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body53"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Bankruptcy Notifications: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the Summary. </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body54"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Changes: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body55"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Communication in Languages Other Than English: </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body56"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.083333396325467rem; line-height: 0.1250000944882005rem; letter-spacing: 0.010000007559056041rem; word-spacing: 0.01333334341207472rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body57"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.083333396325467rem; line-height: 0.1250000944882005rem; letter-spacing: 0.010000007559056041rem; word-spacing: 0.01333334341207472rem;" class="plaintext"></span></span></p><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingboldborder10" id="hotdocs_body58"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Notice for Active Duty Military Members and Their Dependents</span></span></h2><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body59"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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 members of the Armed Forces and their dependents:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet60"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">The provision of this Agreement titled “Arbitration and Jury Trial Waiver” does not apply to you.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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).</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">To hear information about these protections and a description of your payment obligations, call toll free at <a href="tel:1-866-230-0418">1-866-230-0418</a> (or at the General TDD/TTY number on the Summary).</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body61"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.083333396325467rem; line-height: 0.1250000944882005rem; letter-spacing: 0.010000007559056041rem; word-spacing: 0.01333334341207472rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body62"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.083333396325467rem; line-height: 0.1250000944882005rem; letter-spacing: 0.010000007559056041rem; word-spacing: 0.01333334341207472rem;" class="plaintext"></span></span></p><h2 _ngcontent-legaldocsserverapp-c4242976369 class="headingbold10nospace" id="hotdocs_body63"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Arbitration and Jury Trial Waiver</span></span></h2><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black;" id="hotdocs_tableX9"><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Key Provisions</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Please review the following important provisions carefully. Pay special attention to Paragraphs:</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• A: Jury Trial Waiver;</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• C: Arbitration Provision;</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• C.1: Right to Reject;</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">• C.7: Class Action Waiver.</span></dd></dl></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">A. Jury Trial Waiver</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">To 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">B. Notice and Cure</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Prior 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 ("Respondent") written notice of the Claim ("Claim Notice") and a reasonable opportunity, not less than 30 days, to resolve the Claim through good faith efforts of both parties. 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 Respondent reasonably requests. Any statute of limitations applicable to the Claim described in the Claim Notice shall be tolled during the period between the date that the Claim Notice is sent by mail and the later of: </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">a. 60 days after receipt of the Claim Notice, or </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">b. 30 days after either Claimant or Respondent informs the other that good faith efforts to resolve the Claim informally have ceased. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">A lawsuit or arbitration proceeding may not be commenced unless the Claimant has complied with this Notice and Cure provision. A court will have authority to enforce this Notice and Cure provision, including the power to enjoin the filing or prosecution of arbitrations without first complying with said provision. Unless prohibited by applicable law, the arbitration Administrator is without authority to accept or administer any arbitration proceeding unless the Claimant has complied with this Notice and Cure provision.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">C. Arbitration Provision</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">Review 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">1. Right to Reject</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">If 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, address, Account number 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 personally signed by you and if we receive 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">2. Parties</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” mean</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">3. Covered Claims</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">"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 individual 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">4. Starting an Arbitration</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Arbitration 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. You and we will not choose to arbitrate any individual Claim you or we bring in small claims court or your or our state’s equivalent court. This means you or we may bring an action in small claims court without being subject to arbitration. Moreover, if an arbitration demand has been made within the jurisdictional limits of the applicable small claims court, you or we may instruct the arbitration Administrator to close the case because the dispute should be decided by a small claims court. However, if a Claim is transferred, removed or appealed from small claims court to a different court, or if any Claim brought in small claims court exceeds the small claims court limit or attempts to change an individual Claim into a class or other representative Claim, you or we will then have the right to demand arbitration.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">5. Administrator</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">"Administrator" means the American Arbitration Association ("AAA"), 120 Broadway, 21st Floor, New York, NY 10271, <a href="https://www.adr.org" target="_blank" style="word-break: break-all;">www.adr.org</a>, or National Arbitration and Mediation (“NAM”), 122 East 42nd Street, Suite 803, New York, NY 10168, <a href="https://www.namadr.com" target="_blank" style="word-break: break-all;">www.namadr.com</a>, to be selected by mutual agreement of the parties. If the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court with jurisdiction pursuant to Section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA"). 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. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver, without the consent of all parties to the arbitration. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">If 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">7. Prohibition Against Certain Proceedings (Class Action Waiver)</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">If you or we elect to arbitrate a Claim:</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">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; </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">b. neither you nor we may act as a private attorney general in court or in arbitration;</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">c. absent the written consent of all parties, Claims brought by or against you may not be joined or consolidated with Claims brought by or against any other person; and </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold">d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">8. Location and Costs</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Any arbitration hearing that you attend must take place at a location reasonably convenient to you. The parties shall pay filing, administrative and arbitrator fees in accordance with the Administrator’s rules and applicable law. However, if we receive a written request personally signed by you, stating that you cannot afford to pay your portion of said fees, we will pay them for you. The parties shall also bear the fees and expenses of their own attorneys, experts and witnesses unless otherwise required by applicable law, this Agreement or the Administrator’s rules. Provided such an award is permitted by applicable law, the arbitrator may also allocate compensation, expenses, and administrative fees (which include filing and hearing fees) to any party upon the arbitrator’s determination that the party’s claim or counterclaim was filed for purposes of harassment or is patently frivolous. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">9. Governing Law</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This Arbitration Provision involves interstate commerce and is governed by the 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 in an individual case 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">10. Discovery</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">11. Result and Appeals</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">Judgment 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">12. Interpretation</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This 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.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 17%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">13. Severability</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 83%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If 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.</span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body64"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Your Billing Rights: Keep This Document For Future Use</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body65"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body66"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">What To Do If You Find A Mistake On Your Statement</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body67"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If you think there is an error on your statement, write to us at the address for Billing Errors on the Summary </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body68"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">In your letter, give us the following information:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet69"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">Account information:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> Your name and account number.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">Dollar amount:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> The dollar amount of the suspected error.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">Description of problem:</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body70"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You must contact us:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet71"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> Within 60 days after the error appeared on your statement.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body72"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">You must notify us of any potential errors </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">in writing</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">. 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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body73"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">What Will Happen After We Receive Your Letter</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body74"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">When we receive your letter, we must do two things:</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body75"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body76"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body77"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">While we investigate whether or not there has been an error:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet78"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> We cannot try to collect the amount in question, or report you as delinquent on that amount.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> The charge in question may remain on your statement, and we may continue to charge you interest on that amount.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> While you do not have to pay the amount in question, you are responsible for the remainder of your balance.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> We can apply any unpaid amount against your credit limit.</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body79"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">After we finish our investigation, one of two things will happen:</span></span></p><div _ngcontent-legaldocsserverapp-c4242976369 id="hotdocs_bullet80"><ul _ngcontent-legaldocsserverapp-c4242976369><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics"> If we made a mistake</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">: You will not have to pay the amount in question or any interest or other fees related to that amount.</span></li><li _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">If we do not believe there was a mistake</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">: 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.</span></li></ul></div><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body81"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If you receive our explanation but still believe your bill is wrong, you must write to us within </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">10 days</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body82"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body83"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">Your Rights If You Are Dissatisfied With Your Credit Card Purchases</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body84"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body85"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">To use this right, all of the following must be true:</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body86"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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. (</span><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Important "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.)</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body87"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body88"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">3. You must not yet have fully paid for the purchase.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body89"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext">If all of the criteria above are met and you are still dissatisfied with the purchase, contact us </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="italics">in writing</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> at the address for Billing Errors on the Summary.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body90"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"> 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.</span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body91"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body92"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="bold"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body93"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.166667548556538rem; line-height: 1.750001322834807rem; letter-spacing: 0.14000010582678457rem; word-spacing: 0.1866668077690461rem;" class="bold">Pricing Addendum </span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body94"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.166667548556538rem; line-height: 1.750001322834807rem; letter-spacing: 0.14000010582678457rem; word-spacing: 0.1866668077690461rem;" class="plaintext"> </span></span></p><table _ngcontent-legaldocsserverapp-c4242976369 style="border-spacing: 0; border-top: 1px solid black; border-bottom: 1px solid black; border-left: 1px solid black; border-right: 1px solid black;" id="hotdocs_tableX10"><tr _ngcontent-legaldocsserverapp-c4242976369 class="rowheader"><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Interest Rates and Interest Charges</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></th></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Annual Percentage Rate (APR) for Purchases</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Prime Rate plus </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.333334341207472rem; line-height: 2.000001511811208rem; letter-spacing: 0.16000012094489666rem; word-spacing: 0.21333349459319553rem;" class="bold">12.24% </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">to</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.333334341207472rem; line-height: 2.000001511811208rem; letter-spacing: 0.16000012094489666rem; word-spacing: 0.21333349459319553rem;" class="bold"> 26.74%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">, based upon your creditworthiness. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">APR for Balance Transfers</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Prime Rate plus </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">12.24% to 26.74%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">, based upon your creditworthiness. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">APR for Cash Advances</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Prime Rate plus </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">26.74%</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">This APR will vary with the market based on the Prime Rate. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Paying Interest</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Your due date is at least 21 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. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. </span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Minimum Interest Charge</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">If you are charged interest, the charge will be no less than $3.00.</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369 class="rowheader"><th _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 1.000000755905604rem; line-height: 1.5000011338584063rem; letter-spacing: 0.12000009070867249rem; word-spacing: 0.16000012094489666rem;" class="bold">Fees</span></div></th><th _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></th></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Annual Fee</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Annual Fee is "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">None</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Transaction Fees</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Balance Transfer</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Cash Advance</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Foreign Transaction</span></dd></dl></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Balance Transfer Transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Either </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$10</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">5%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> of the amount of each transfer, whichever is greater. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Cash Advance Transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Either </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$10.00</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> or </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">5.0%</span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"> of the amount of each cash advance, whichever is greater. </span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label="Foreign transaction fees are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">None</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><dl _ngcontent-legaldocsserverapp-c4242976369><dt _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Penalty Fees</span></dt><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Late Payment</span></dd><dd _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">• Returned Payment</span></dd></dl></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Penalty Fees for Late Payment are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Up to </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$41.00</span></div><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 aria-label=" Penalty Fees for Returned Payment are "></span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">Up to </span><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">$41.00</span></div></td></tr><tr _ngcontent-legaldocsserverapp-c4242976369><td _ngcontent-legaldocsserverapp-c4242976369 style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="bold">Balance Computation Method</span></div></td><td _ngcontent-legaldocsserverapp-c4242976369 colspan="2" style="width: 33%;"><div _ngcontent-legaldocsserverapp-c4242976369 role="none"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext">We use a method called "daily balance (including current transactions)."</span></div></td></tr></table><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body95"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.83333396325467rem; line-height: 1.250000944882005rem; letter-spacing: 0.1000000755905604rem; word-spacing: 0.13333343412074722rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body96"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal" id="hotdocs_body97"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.583333774278269rem; line-height: 0.8750006614174035rem; letter-spacing: 0.07000005291339229rem; word-spacing: 0.09333340388452305rem;" class="plaintext"></span></span></p><p _ngcontent-legaldocsserverapp-c4242976369 class="normal-part-end" id="hotdocs_body98"><span _ngcontent-legaldocsserverapp-c4242976369 role="text"><span _ngcontent-legaldocsserverapp-c4242976369 style="font-size: 0.750000566929203rem; line-height: 1.1250008503938045rem; letter-spacing: 0.09000006803150436rem; word-spacing: 0.12000009070867249rem;" class="plaintext"></span></span></p></div></div></div><div _ngcontent-legaldocsserverapp-c4242976369><div _ngcontent-legaldocsserverapp-c4242976369 class="cca-hot-doc-container-main"><div _ngcontent-legaldocsserverapp-c4242976369><p _ngcontent-legaldocsserverapp-c4242976369 class="prescreen-preapproved-offer-header">If you have been preapproved, see below for details of your offer.</p><p _ngcontent-legaldocsserverapp-c4242976369 id="legalDisclosureNoticeBodyText" class="prescreen-optout-boxed"><strong _ngcontent-legaldocsserverapp-c4242976369><em _ngcontent-legaldocsserverapp-c4242976369 role="text">You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free <a href="tel:1-888-567-8688" aria-label="1 8 8 8 5 6 7 8 6 8 8">1-888-567-8688</a>. See <span xmlns="http://www.w3.org/1999/xhtml" style="text-decoration: underline;">Prescreen & Opt-out Notice</span> below for more information about prescreened offers.</em></strong></p><div _ngcontent-legaldocsserverapp-c4242976369 class="prescreen-opt-out-notice-padding"><p _ngcontent-legaldocsserverapp-c4242976369><span _ngcontent-legaldocsserverapp-c4242976369 class="prescreen-opt-out-notice-header">Prescreen & Opt-Out Notice</span><span _ngcontent-legaldocsserverapp-c4242976369 role="text">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, <a href="tel:1-888-567-8688" aria-label="1 8 8 8 5 6 7 8 6 8 8">1-888-567-8688</a>; 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 <span xmlns="http://www.w3.org/1999/xhtml" class="test">15230-0495</span>.</span></p></div><p _ngcontent-legaldocsserverapp-c4242976369 class="legal-section-sub-heading">Important Information for Covered Borrowers under the Military Lending Act</p><p _ngcontent-legaldocsserverapp-c4242976369 class="legalDisclosureNoticeBodyText"></p><p xmlns="http://www.w3.org/1999/xhtml"><strong>For New Accounts</strong>- 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)</p><p xmlns="http://www.w3.org/1999/xhtml">To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at <a href="tel:1-866-230-0418" name="1-866-230-0418">1-866-230-0418</a>; (TDD/TTY: <a href="tel:1-888-819-1918" aria-label="1 8 8 8 8 1 9 1 9 1 8">1-888-819-1918</a>).</p><p></p><p _ngcontent-legaldocsserverapp-c4242976369 class="legalDisclosureNoticeBodyText"></p><p xmlns="http://www.w3.org/1999/xhtml">I am applying to Comenity Capital Bank for, and hereby request, a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement. I acknowledge that I will receive a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement at its office in Utah and that the Bread Cashback® American Express® Credit Card account agreement is deemed to be made in Utah. American Express® Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.</p><p xmlns="http://www.w3.org/1999/xhtml"><strong>Please note:</strong></p><p xmlns="http://www.w3.org/1999/xhtml"><strong>By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.</strong></p><p xmlns="http://www.w3.org/1999/xhtml">You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Bread Cashback® American Express® Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Bread Cashback® American Express® Credit Card.</p><p xmlns="http://www.w3.org/1999/xhtml">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.</p><p></p></div></div></div><div _ngcontent-legaldocsserverapp-c4242976369><ld-ui-financial-privacy-policy _ngcontent-legaldocsserverapp-c4242976369 _nghost-legaldocsserverapp-c1733232166 ngh="1"><div _ngcontent-legaldocsserverapp-c1733232166 class="legal-doc-container-main"><div _ngcontent-legaldocsserverapp-c1733232166 id="financialPrivacyPolicyBodyText" class="legal-doc-container"><h1 _ngcontent-legaldocsserverapp-c1733232166>Financial Privacy Policy</h1></div><div _ngcontent-legaldocsserverapp-c1733232166 class="container"><div _ngcontent-legaldocsserverapp-c1733232166 id="financialPrivaprinterFriendlyAndAdobeReaderTextBlockcyPolicyBodyText" class="legal-doc-container"><p><em><a href="http://www.comenity.net/breadcashback/images/privacy.pdf" target="_blank" aria-label="Download a PDF version of the Financial Privacy Policy.">Printer-friendly version</a></em> (PDF)</p><p>You need Adobe Reader to view PDF files. You may <em><a href="https://www.adobe.com/" aria-label="Go to the Adobe website where you can download Adobe Reader for free." target="_blank">download</a></em> it for free from Adobe.</p></div><div _ngcontent-legaldocsserverapp-c1733232166 id="revisionDateBodyText" class="legal-doc-container">rev. 04/2024</div></div><div _ngcontent-legaldocsserverapp-c1733232166 id="facts-table" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="dark-background uppercase subhead-lg">Facts</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background uppercase">What does Bread Financial do with your personal information?</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="gray-background large-font subhead-lg">Why?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background">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.</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="gray-background large-font subhead-lg">What?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>The types of personal information we collect and share depend on the product or service you have with us. This information can include: </p><ul><li>Social Security number and income </li><li>Account balances and transaction history </li><li>Credit history and credit scores</li></ul></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="gray-background large-font subhead-lg">How?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background">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 Bread Financial chooses to share; and whether you can limit this sharing.</td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="reasonsWeCanSharePersonalInfoTable" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 class="legal-doc-table data-table"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><th _ngcontent-legaldocsserverapp-c1733232166 scope="col" colspan="1" class="gray-background subhead-reason">Reasons we can share your personal information</th><th _ngcontent-legaldocsserverapp-c1733232166 scope="col" colspan="1" class="gray-background subhead-reason">Does Bread Financial share?</th><th _ngcontent-legaldocsserverapp-c1733232166 scope="col" colspan="1" class="gray-background subhead-reason">Can you limit this sharing?</th></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For our everyday business purposes</strong>- to process your transactions, maintain your account (s), respond to court orders and legal investigations, or report to credit bureaus</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>No</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For our marketing purposes</strong>- such as to offer our products and services to you</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>No</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For joint marketing with other financial companies</strong></td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>No</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For our affiliates' everyday business purposes</strong>-information about your transactions and experiences</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>No</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For our affiliates' everyday business purposes</strong>-information about your creditworthiness</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For our affiliates to market to you</strong></td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166><span class="sr-only">Important</span><strong>For nonaffiliates to market to you</strong></td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td><td _ngcontent-legaldocsserverapp-c1733232166>Yes</td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="limit-sharing-table" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="gray-background large-font subhead-lg">To limit our sharing</td><td _ngcontent-legaldocsserverapp-c1733232166><ul><li><em>Comenity Bank customers:</em> Call <a href="tel:1-800-220-1181" aria-label="1 8 0 0 2 2 0 1 1 8 1">1-800-220-1181</a> (TDD/TTY <a href="tel:1-800-695-1788" aria-label="1 8 0 0 6 9 5 1 7 8 8">1-800-695-1788</a>)</li><li><em>Comenity Capital Bank customers:</em> Call <a href="tel:1-877-287-5012" aria-label="1 8 7 7 2 8 7 5 0 1 2">1-877-287-5012</a> (TDD/TTY <a href="tel:1-888-819-1918" aria-label="1 8 8 8 8 1 9 1 9 1 8">1-888-819-1918</a>)</li><li><em>Bread Pay or Loans Customers:</em> Visit your Member Portal under “My Account”, email <a href="mailto:support@breadpayments.com" target="_blank">support@breadpayments.com</a> or call <a href="tel:1-844-992-7323" aria-label="1 8 4 4 9 9 2 7 3 2 3">1-844-992-7323</a></li><li><em>Bread Savings customers:</em> Call <a href="tel:1-833-755-4354" aria-label="1 8 3 3 7 5 5 4 3 5 4">1-833-755-4354</a>; dial 7 for a representative. For operator relay assistance, first dial 711</li></ul><p><span class="sr-only">Important</span><strong>Please note:</strong></p><p>If you are a <em>new</em> 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.</p></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-row"><td _ngcontent-legaldocsserverapp-c1733232166 class="gray-background large-font subhead-lg">Questions?</td><td _ngcontent-legaldocsserverapp-c1733232166>Call <a href="tel:1-866-423-1097" aria-label="1 8 6 6 4 2 3 1 0 9 7">1-866-423-1097</a></td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="whoWeAreContentContainer" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table-with-header"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-table-header"><td _ngcontent-legaldocsserverapp-c1733232166 colspan="2" class="gray-background presentation-row subhead-title">Who we are</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">Who is providing this notice?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background">This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as "Bread Pay," "Bread Loans," and "Bread Savings".</td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="whatWeDoContentContainer" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table-with-header"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-table-header subhead-lg"><td _ngcontent-legaldocsserverapp-c1733232166 colspan="2" class="gray-background">What we do</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">How does Bread Financial protect my personal information?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background">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.</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">How does Bread Financial collect my personal information?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>We collect your personal information, for example, when you </p><ul><li>open an account or provide account information </li><li>give us your income information </li><li>use your credit or show your driver's license </li></ul><p>We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.</p></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">Why can't I limit all sharing?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>Federal law gives you the right to limit only </p><ul><li>sharing for affiliates' everyday business purposes-information about your creditworthiness </li><li>affiliates from using your information to market to you </li><li>sharing for nonaffiliates to market to you </li></ul><p>State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.</p></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">What happens when I limit sharing for an account I hold jointly with someone else?</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background">Your choices will apply to everyone on your account.</td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="definitionsContentContainer" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table-with-header subhead-margin"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-table-header subhead-lg"><td _ngcontent-legaldocsserverapp-c1733232166 colspan="2" class="gray-background">Definitions</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">Affiliates</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>Companies related by common ownership or control. They can be financial and nonfinancial companies.</p><ul><li><em>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.</em></li></ul></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">Nonaffiliates</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>Companies not related by common ownership or control. They can be financial and nonfinancial companies. </p><ul><li><em>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.</em></li></ul></td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="light-gray-background subhead-md">Joint marketing</td><td _ngcontent-legaldocsserverapp-c1733232166 class="white-background"><p>A formal agreement between nonaffiliated financial companies that together market financial products or services to you. </p><ul><li><em>Our joint marketing partners may include lenders and insurance companies.</em></li></ul></td></tr></table></div><div _ngcontent-legaldocsserverapp-c1733232166 id="otherImportantInformationTextBlock" class="legal-doc-container"><table _ngcontent-legaldocsserverapp-c1733232166 role="presentation" class="legal-doc-table presentation-table-with-header subhead-margin"><tr _ngcontent-legaldocsserverapp-c1733232166 class="presentation-table-header"><td _ngcontent-legaldocsserverapp-c1733232166 colspan="2" class="gray-background subhead-lg">Other important information</td></tr><tr _ngcontent-legaldocsserverapp-c1733232166><td _ngcontent-legaldocsserverapp-c1733232166 class="fontWeight400">We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California.</td></tr></table></div></div></ld-ui-financial-privacy-policy></div></div></ld-credit-card-agreement-feature></div></section></main></ld-legal-docs-feature><ng-http-loader _nghost-legaldocsserverapp-c749777479 ngh="4"></ng-http-loader></ld-legal-docs-feature-shell></ld-root> <script src="runtime.05d2dbd2b91697d1.js" type="module"></script><script src="polyfills.5afdff66328c0e34.js" type="module"></script><script src="main.e4f22ef1c351d21c.js" type="module"></script> <script id="LegalDocsServerApp-state" type="application/json">{"828195559":{"b":[{"documentId":"hotdocsJson","content":{"contentElements":[{"elementType":"text","elementStyle":"Normal","id":"body1","mobileorder":1,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":7}]},{"elementType":"text","elementStyle":"Part1Start","elementAttribs":"role='heading'","ariaLevel":1,"id":"body2","mobileorder":2,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Rate and Fee Summary"}]},{"elementType":"text","elementStyle":"Normal","id":"body3","mobileorder":3,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the"},{"textStyle":"bold","fontsize":9,"text":" Bread Cashback"},{"textStyle":"superscript","fontsize":9,"text":"™"},{"textStyle":"bold","fontsize":9,"text":" American Express"},{"textStyle":"superscript","fontsize":9,"text":"®"},{"textStyle":"bold","fontsize":9,"text":" Credit Card Account"},{"textStyle":"plaintext","fontsize":9,"text":". "},{"textStyle":"screenreader","fontsize":9,"text":"Please review this Rate and Fee Summary and save it for your records. "},{"textStyle":"plaintext","fontsize":9,"text":"Read it and keep it. "}]},{"elementType":"table","id":"tableX1","mobileorder":4,"border":"true","verticaldividers":"true","horizontaldividers":"true","columnwidths":[{"columnwidth":25},{"columnwidth":75}],"rows":[{"rowType":"reverseheader","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Interest Rates and Interest Charges"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Annual Percentage Rate (APR) for Purchases"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":16,"text":"19.74% "},{"textStyle":"bold","fontsize":10,"text":"to"},{"textStyle":"bold","fontsize":16,"text":" 34.24%"},{"textStyle":"plaintext","fontsize":10,"text":", based upon your creditworthiness. 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"}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body40","mobileorder":44,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Table with information about credit card account usage "},{"textStyle":"bold","fontsize":10,"text":"Using Your Account"}]},{"elementType":"table","id":"tableX5","mobileorder":45,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Your Agreement "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Use of Account"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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., American Express, Visa and Mastercard), you may use your Account to make Cash Advances."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Authorized Users"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Joint Accounts"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Authorizations"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Limit"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Promotional Credit Plans"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Electronic Access"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Applications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible for any consequences from your violation of those terms. "}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body41","mobileorder":46,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APRs and Interest Based on APRs"}]},{"elementType":"text","elementStyle":"Heading9pt","id":"body42","mobileorder":47,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Review your Summary for the APRs that apply to your Account"}]},{"elementType":"table","id":"tableX6","mobileorder":48,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Variable APRs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Daily Balance Method (including current transactions)"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We start with the beginning balance each day (including unpaid interest and fees). "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the partial daily balance. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We multiply the partial daily balance by the daily periodic rate to get the daily interest. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding of interest. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We round interest to the nearest cent."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Interest"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Charging Interest: "},{"textStyle":"plaintext","fontsize":9,"text":"Interest begins on a transaction, fee or interest from the day added to the daily balance until paid in full. "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"How to Avoid Paying Interest on Regular Purchases (Grace Period): "},{"textStyle":"plaintext","fontsize":9,"text":"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. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those balances from the amount you have to pay in a billing period to keep your Grace Period. However, you must pay (i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full amount of any promotional Credit Plan that expires in that billing period."}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"You Could Lose Your Grace Period: "},{"textStyle":"plaintext","fontsize":9,"text":"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. Once you lose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or balance transfers as described above plus any interest charged up to the date the payment posts) in full for two billing periods in a row."}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Waived Interest Credit Plan: "},{"textStyle":"plaintext","fontsize":9,"text":"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. "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Deferred Interest Credit Plan: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body43","mobileorder":49,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Payments"}]},{"elementType":"table","id":"tableX7","mobileorder":50,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Payment Instructions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We credit payments in accordance with the terms on your statement. Review your statement for details. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Pay 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"How We Apply Payments"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body44","mobileorder":51,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Other Information"}]},{"elementType":"table","id":"tableX8","mobileorder":52,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Default"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You are in default if:"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you fail to comply with this Agreement or any other agreement with us or an affiliate; "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• a bankruptcy or other insolvency proceeding is filed by or against you; "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• we reasonably believe you are unable or unwilling to repay us;"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you die or are legally incompetent or incapacitated;"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you are in default, we may declare the entire balance immediately due and payable without notice."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Collection Costs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Privacy Policy"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Reporting "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Unauthorized Use"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Notify 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Closing Your Account"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Foreign Transactions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., American Express, 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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Conformance with Law; Severability"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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 invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"No Waiver "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We will not lose our rights under this Agreement because we delay or do not enforce them."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Assignment "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"New Jersey Residents"},{"textStyle":"plaintext","fontsize":9,"text":" "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"All provisions of this agreement are valid, enforceable and applicable in New Jersey."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBoldBorder10","elementAttribs":"role='heading'","ariaLevel":2,"id":"body45","mobileorder":53,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Communications with Us"}]},{"elementType":"text","elementStyle":"Normal","id":"body46","mobileorder":54,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Monitoring and Recording:"},{"textStyle":"plaintext","fontsize":9,"text":" 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. "}]},{"elementType":"text","elementStyle":"Normal","id":"body47","mobileorder":55,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Communication Authorization:"},{"textStyle":"plaintext","fontsize":9,"text":" 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:"}]},{"elementType":"listItem","id":"bullet48","mobileorder":56,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any phone number you give us even if the number is or converts to a mobile phone number;"}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any other number you provide, use to contact us or may utilize; "}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and"}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any email address you provide to us or any other person or company that provides any services in connection with this Agreement."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body49","mobileorder":57,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body50","mobileorder":58,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Communications may result in additional mobile, text message, data or other charges."}]},{"elementType":"text","elementStyle":"Normal","id":"body51","mobileorder":59,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You may change your preferences by calling the General phone number on the Summary."}]},{"elementType":"text","elementStyle":"Normal","id":"body52","mobileorder":60,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Disputed Debts: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body53","mobileorder":61,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Bankruptcy Notifications: "},{"textStyle":"plaintext","fontsize":9,"text":"Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the Summary. "}]},{"elementType":"text","elementStyle":"Normal","id":"body54","mobileorder":62,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Changes: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body55","mobileorder":63,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Communication in Languages Other Than English: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body56","mobileorder":64,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"Normal","id":"body57","mobileorder":65,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"HeadingBoldBorder10","elementAttribs":"role='heading'","ariaLevel":2,"id":"body58","mobileorder":66,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Notice for Active Duty Military Members and Their Dependents"}]},{"elementType":"text","elementStyle":"Normal","id":"body59","mobileorder":67,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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 members of the Armed Forces and their dependents:"}]},{"elementType":"listItem","id":"bullet60","mobileorder":68,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"The provision of this Agreement titled “Arbitration and Jury Trial Waiver” does not apply to you."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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)."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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)."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body61","mobileorder":69,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"Normal","id":"body62","mobileorder":70,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body63","mobileorder":71,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Arbitration and Jury Trial Waiver"}]},{"elementType":"table","id":"tableX9","mobileorder":72,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Key Provisions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Please review the following important provisions carefully. Pay special attention to Paragraphs:"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• A: Jury Trial Waiver;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C: Arbitration Provision;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.1: Right to Reject;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.7: Class Action Waiver."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"A. Jury Trial Waiver"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"To 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"B. Notice and Cure"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Prior 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 (\"Respondent\") written notice of the Claim (\"Claim Notice\") and a reasonable opportunity, not less than 30 days, to resolve the Claim through good faith efforts of both parties. 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 Respondent reasonably requests. Any statute of limitations applicable to the Claim described in the Claim Notice shall be tolled during the period between the date that the Claim Notice is sent by mail and the later of: "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"a. 60 days after receipt of the Claim Notice, or "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"b. 30 days after either Claimant or Respondent informs the other that good faith efforts to resolve the Claim informally have ceased. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"A lawsuit or arbitration proceeding may not be commenced unless the Claimant has complied with this Notice and Cure provision. A court will have authority to enforce this Notice and Cure provision, including the power to enjoin the filing or prosecution of arbitrations without first complying with said provision. Unless prohibited by applicable law, the arbitration Administrator is without authority to accept or administer any arbitration proceeding unless the Claimant has complied with this Notice and Cure provision."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"C. Arbitration Provision"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"Review 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"1. Right to Reject"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If 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, address, Account number 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 personally signed by you and if we receive 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"2. Parties"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” mean"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"3. Covered Claims"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"\"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 individual 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"4. Starting an Arbitration"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Arbitration 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. You and we will not choose to arbitrate any individual Claim you or we bring in small claims court or your or our state’s equivalent court. This means you or we may bring an action in small claims court without being subject to arbitration. Moreover, if an arbitration demand has been made within the jurisdictional limits of the applicable small claims court, you or we may instruct the arbitration Administrator to close the case because the dispute should be decided by a small claims court. However, if a Claim is transferred, removed or appealed from small claims court to a different court, or if any Claim brought in small claims court exceeds the small claims court limit or attempts to change an individual Claim into a class or other representative Claim, you or we will then have the right to demand arbitration."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"5. Administrator"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"\"Administrator\" means the American Arbitration Association (\"AAA\"), 120 Broadway, 21st Floor, New York, NY 10271, www.adr.org, or National Arbitration and Mediation (“NAM”), 122 East 42nd Street, Suite 803, New York, NY 10168, www.namadr.com, to be selected by mutual agreement of the parties. If the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court with jurisdiction pursuant to Section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (\"FAA\"). 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. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver, without the consent of all parties to the arbitration. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"7. Prohibition Against Certain Proceedings (Class Action Waiver)"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If you or we elect to arbitrate a Claim:"}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"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; "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"b. neither you nor we may act as a private attorney general in court or in arbitration;"}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"c. absent the written consent of all parties, Claims brought by or against you may not be joined or consolidated with Claims brought by or against any other person; and "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"8. Location and Costs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Any arbitration hearing that you attend must take place at a location reasonably convenient to you. The parties shall pay filing, administrative and arbitrator fees in accordance with the Administrator’s rules and applicable law. However, if we receive a written request personally signed by you, stating that you cannot afford to pay your portion of said fees, we will pay them for you. The parties shall also bear the fees and expenses of their own attorneys, experts and witnesses unless otherwise required by applicable law, this Agreement or the Administrator’s rules. Provided such an award is permitted by applicable law, the arbitrator may also allocate compensation, expenses, and administrative fees (which include filing and hearing fees) to any party upon the arbitrator’s determination that the party’s claim or counterclaim was filed for purposes of harassment or is patently frivolous. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"9. Governing Law"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This Arbitration Provision involves interstate commerce and is governed by the 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 in an individual case 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"10. Discovery"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"11. Result and Appeals"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Judgment 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"12. Interpretation"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"13. Severability"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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."}]}]}]}]},{"elementType":"text","elementStyle":"Normal","id":"body64","mobileorder":73,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Your Billing Rights: Keep This Document For Future Use"}]},{"elementType":"text","elementStyle":"Normal","id":"body65","mobileorder":74,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act."}]},{"elementType":"text","elementStyle":"Normal","id":"body66","mobileorder":75,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"What To Do If You Find A Mistake On Your Statement"}]},{"elementType":"text","elementStyle":"Normal","id":"body67","mobileorder":76,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you think there is an error on your statement, write to us at the address for Billing Errors on the Summary "}]},{"elementType":"text","elementStyle":"Normal","id":"body68","mobileorder":77,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"In your letter, give us the following information:"}]},{"elementType":"listItem","id":"bullet69","mobileorder":78,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Account information:"},{"textStyle":"plaintext","fontsize":9,"text":" Your name and account number."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Dollar amount:"},{"textStyle":"plaintext","fontsize":9,"text":" The dollar amount of the suspected error."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Description of problem:"},{"textStyle":"plaintext","fontsize":9,"text":" If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body70","mobileorder":79,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You must contact us:"}]},{"elementType":"listItem","id":"bullet71","mobileorder":80,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" Within 60 days after the error appeared on your statement."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body72","mobileorder":81,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You must notify us of any potential errors "},{"textStyle":"italics","fontsize":9,"text":"in writing"},{"textStyle":"plaintext","fontsize":9,"text":". 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body73","mobileorder":82,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"What Will Happen After We Receive Your Letter"}]},{"elementType":"text","elementStyle":"Normal","id":"body74","mobileorder":83,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"When we receive your letter, we must do two things:"}]},{"elementType":"text","elementStyle":"Normal","id":"body75","mobileorder":84,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body76","mobileorder":85,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body77","mobileorder":86,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"While we investigate whether or not there has been an error:"}]},{"elementType":"listItem","id":"bullet78","mobileorder":87,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" We cannot try to collect the amount in question, or report you as delinquent on that amount."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" The charge in question may remain on your statement, and we may continue to charge you interest on that amount."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" While you do not have to pay the amount in question, you are responsible for the remainder of your balance."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" We can apply any unpaid amount against your credit limit."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body79","mobileorder":88,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"After we finish our investigation, one of two things will happen:"}]},{"elementType":"listItem","id":"bullet80","mobileorder":89,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"italics","fontsize":9,"text":" If we made a mistake"},{"textStyle":"plaintext","fontsize":9,"text":": You will not have to pay the amount in question or any interest or other fees related to that amount."}]},{"contentSpans":[{"textStyle":"italics","fontsize":9,"text":"If we do not believe there was a mistake"},{"textStyle":"plaintext","fontsize":9,"text":": 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."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body81","mobileorder":90,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you receive our explanation but still believe your bill is wrong, you must write to us within "},{"textStyle":"italics","fontsize":9,"text":"10 days"},{"textStyle":"plaintext","fontsize":9,"text":" 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body82","mobileorder":91,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body83","mobileorder":92,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"Your Rights If You Are Dissatisfied With Your Credit Card Purchases"}]},{"elementType":"text","elementStyle":"Normal","id":"body84","mobileorder":93,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body85","mobileorder":94,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"To use this right, all of the following must be true:"}]},{"elementType":"text","elementStyle":"Normal","id":"body86","mobileorder":95,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. ("},{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"plaintext","fontsize":9,"text":"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.)"}]},{"elementType":"text","elementStyle":"Normal","id":"body87","mobileorder":96,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body88","mobileorder":97,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"3. You must not yet have fully paid for the purchase."}]},{"elementType":"text","elementStyle":"Normal","id":"body89","mobileorder":98,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If all of the criteria above are met and you are still dissatisfied with the purchase, contact us "},{"textStyle":"italics","fontsize":9,"text":"in writing"},{"textStyle":"plaintext","fontsize":9,"text":" at the address for Billing Errors on the Summary."}]},{"elementType":"text","elementStyle":"Normal","id":"body90","mobileorder":99,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body91","mobileorder":100,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body92","mobileorder":101,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body93","mobileorder":102,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":14,"text":"Pricing Addendum "}]},{"elementType":"text","elementStyle":"Normal","id":"body94","mobileorder":103,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":14,"text":" "}]},{"elementType":"table","id":"tableX10","mobileorder":104,"border":"true","verticaldividers":"true","horizontaldividers":"true","columnwidths":[{"columnwidth":33},{"columnwidth":33},{"columnwidth":33}],"rows":[{"rowType":"reverseheader","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Interest Rates and Interest Charges"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Annual Percentage Rate (APR) for Purchases"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":16,"text":"12.24% "},{"textStyle":"bold","fontsize":10,"text":"to"},{"textStyle":"bold","fontsize":16,"text":" 26.74%"},{"textStyle":"plaintext","fontsize":10,"text":", based upon your creditworthiness. "}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APR for Balance Transfers"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":10,"text":"12.24% to 26.74%"},{"textStyle":"plaintext","fontsize":10,"text":", based upon your creditworthiness. "}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APR for Cash Advances"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":10,"text":"26.74%"}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Paying Interest"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Your due date is at least 21 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. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Minimum Interest Charge"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"If you are charged interest, the charge will be no less than $3.00."}]}]}]},{"rowType":"reverseheader","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Fees"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Annual Fee"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Annual Fee is "},{"textStyle":"bold","fontsize":10,"text":"None"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Transaction Fees"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Balance Transfer"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Cash Advance"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Foreign Transaction"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Balance Transfer Transaction fees are "},{"textStyle":"plaintext","fontsize":10,"text":"Either "},{"textStyle":"bold","fontsize":10,"text":"$10"},{"textStyle":"plaintext","fontsize":10,"text":" or "},{"textStyle":"bold","fontsize":10,"text":"5%"},{"textStyle":"plaintext","fontsize":10,"text":" of the amount of each transfer, whichever is greater. "}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Cash Advance Transaction fees are "},{"textStyle":"plaintext","fontsize":10,"text":"Either "},{"textStyle":"bold","fontsize":10,"text":"$10.00"},{"textStyle":"plaintext","fontsize":10,"text":" or "},{"textStyle":"bold","fontsize":10,"text":"5.0%"},{"textStyle":"plaintext","fontsize":10,"text":" of the amount of each cash advance, whichever is greater. "}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Foreign transaction fees are "},{"textStyle":"bold","fontsize":10,"text":"None"}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Penalty Fees"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Late Payment"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Returned Payment"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Penalty Fees for Late Payment are "},{"textStyle":"plaintext","fontsize":10,"text":"Up to "},{"textStyle":"bold","fontsize":10,"text":"$41.00"}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Penalty Fees for Returned Payment are "},{"textStyle":"plaintext","fontsize":10,"text":"Up to "},{"textStyle":"bold","fontsize":10,"text":"$41.00"}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Balance Computation Method"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"We use a method called \"daily balance (including current transactions).\""}]}]}]}]},{"elementType":"text","elementStyle":"Normal","id":"body95","mobileorder":105,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"elementType":"text","elementStyle":"Normal","id":"body96","mobileorder":106,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body97","mobileorder":107,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":7}]},{"elementType":"text","elementStyle":"Part2End","id":"body98","mobileorder":108,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]}]}},{"documentId":"cca","content":{"bodyText":[{"id":"prescreen-opt-out-notice---phone-number-to-stop-receiving","content":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."}},{"id":"prescreen-opt-out-notice-phone-number-to-stop-receiving-body-text","content":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."}}],"contentContainer":[{"id":"patriot-act-content-container","content":{"title":"Please review the Important Information and Terms about opening an account prior to submitting your application.","components":[{"textBlocks":[{"id":"patriot-act---application-requirements","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory\u003C/li>\u003Cli>Have a valid government-issued photo ID\u003C/li>\u003Cli>Have a valid government issued tax identification number (such as a SSN or SIN)\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"}}]},{"textBlocks":[{"id":"patriot-act---verify-and-record-identifying-information","content":{"title":"Important Information about Opening an Account","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">What this means for you:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>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.\u003C/li>\u003Cli>We may also ask for your driver's license or other identifying documents. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>California Residents:\u003C/strong> If you are married, you may apply for a separate account. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Ohio Residents:\u003C/strong> 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong> We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Wisconsin Residents:\u003C/strong> No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/p>"}}]}]}},{"id":"prescreen-opt-out-notice-content-container","content":{"title":"If you have been preapproved, see below for details of your offer.","components":[{"id":"prescreen-opt-out-notice-phone-number-to-stop-receiving-body-text","content":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."}},{"textBlocks":[{"id":"prescreen-opt-out-notice-text-block","content":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."}}]}]}}],"textBlocks":[{"textBlocks":[{"id":"downsell-disclosure-text-block","content":{"body":"If you do not qualify for the Bread Cashback® American Express® Credit Card, you may be considered for and receive the \u003CPLCC/ Other Cobrand Tier Client Name> \u003CCredit Card Account / Credit Account>, to be used only at Bread Cashback®. Before submitting your application/solicitation, please review rates, fees and costs for both credit cards."}}]},{"textBlocks":[{"id":"frictionless-mobile-downsell-disclosure-text-block","content":{"title":"Frictionless Mobile Disclosure","body":"If you do not qualify for the American Express® Credit Card, you may qualify for the store Credit Card. Please review the Interest Rates, fees and costs for both credit cards in the Interest Rates and Interest Charges table below."}}]},{"textBlocks":[{"id":"important-information-credit-report-and-customer-information-text-block","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">I am applying to Comenity Capital Bank for, and hereby request, a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement. I acknowledge that I will receive a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement at its office in Utah and that the Bread Cashback® American Express® Credit Card account agreement is deemed to be made in Utah. American Express® Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You hereby authorize Comenity Capital Bank (\"us\" or \"we\") to furnish our decision to issue an account to you to Bread Cashback® American Express® Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Bread Cashback® American Express® Credit Card.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>"}}]},{"textBlocks":[{"id":"important-information-for-covered-borrowers-under-the-military-lending-act-text-block","content":{"title":"Important Information for Covered Borrowers under the Military Lending Act","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>For New Accounts\u003C/strong>- 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)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at \u003Ca href=\"tel:1-866-230-0418\" name=\"1-866-230-0418\">1-866-230-0418\u003C/a>; (TDD/TTY: 1-888-819-1918).\u003C/p>"}}]},{"textBlocks":[{"id":"frictionless-mobile-downsell-disclosure","content":{"body":"If you do not qualify for the American Express® Credit Card, you may qualify for the store Credit Card. Please review the below rates, fees and costs for both credit cards."}}]},{"textBlocks":[{"id":"important-information---credit-report-and-customer-information","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">I am applying to Comenity Capital Bank for, and hereby request, a [client.legalDocumentsClientNameAndCard] 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 [card.ccaTitle]. I acknowledge that I will receive a [card.ccaTitle] 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 [card.ccaTitle] at its office in [bank.governingLawState] and that the [card.ccaTitle] is deemed to be made in [bank.governingLawState]. [card.cardName] are issued and credit is extended by Comenity Capital Bank, [bank.city], [bank.governingLawState].\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You hereby authorize Comenity Capital Bank (\"us\" or \"we\") to furnish our decision to issue an account to you to [client.legalDocumentsParentCompanyName]. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and [client.legalDocumentsParentCompanyName].\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>"}}]},{"textBlocks":[{"id":"important-information-for-covered-borrowers-under-the-military-lending-act","content":{"title":"Important Information for Covered Borrowers under the Military Lending Act","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>For New Accounts\u003C/strong>- 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)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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).\u003C/p>"}}]},{"textBlocks":[{"id":"patriot-act---application-requirements","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory\u003C/li>\u003Cli>Have a valid government-issued photo ID\u003C/li>\u003Cli>Have a valid government issued tax identification number (such as a SSN or SIN)\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"}}]},{"textBlocks":[{"id":"patriot-act---verify-and-record-identifying-information","content":{"title":"Important Information about Opening an Account","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">What this means for you:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>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.\u003C/li>\u003Cli>We may also ask for your driver's license or other identifying documents. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>California Residents:\u003C/strong> If you are married, you may apply for a separate account. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Ohio Residents:\u003C/strong> 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong> We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Wisconsin Residents:\u003C/strong> No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/p>"}}]},{"textBlocks":[{"id":"prescreen-opt-out-notice","content":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."}}]},{"textBlocks":[{"id":"prescreen-opt-out-notice-text-block","content":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."}}]}]}},{"documentId":"financialpolicy","content":{"bodyText":[{"id":"financial-privacy-policy-body-text","content":{"bodyText":"Financial Privacy Policy"}},{"id":"privacy-title-text","content":{"bodyText":"Privacy"}},{"id":"revision-date","content":{"bodyText":"rev. 04/2024"}},{"id":"you-need-adobe-reader-body-text","content":{"bodyText":"You need Adobe Reader to view PDF files. You may \u003Cem xmlns=\"http://www.w3.org/1999/xhtml\">\u003Ca href=\"https://www.adobe.com/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"download\" target=\"_blank\" id=\"download\">download\u003C/a>\u003C/em> it for free from Adobe."}}],"contentContainer":[{"id":"definitions-content-container","content":{"title":"Definitions","components":[{"textBlocks":[{"id":"affiliates-text-block","content":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.\u003C/em>\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"nonaffiliates-text-block","content":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/em>\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"joint-marketing-text-block","content":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our joint marketing partners may include lenders and insurance companies.\u003C/em>\u003C/li>\u003C/ul>"}}]}]}},{"id":"definitions-section","content":{"title":"Definitions","components":[{"textBlocks":[{"id":"affiliates","content":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial); and nonfinancial companies such as Bread Financial Holdings, Inc. (formerly “Alliance Data”).\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"nonaffiliates","content":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"joint-marketing","content":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our joint marketing partners may include lenders and insurance companies.\u003C/li>\u003C/ul>"}}]}]}},{"id":"what-we-do-content-container","content":{"title":"What we do","components":[{"textBlocks":[{"id":"how-does-comenity-protect-my-personal-information-text-block","content":{"title":"How does Bread Financial protect my personal information?","body":"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."}}]},{"textBlocks":[{"id":"how-does-comenity-collect-my-personal-information-text-block","content":{"title":"How does Bread Financial collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"}}]},{"textBlocks":[{"id":"why-cant-i-limit-all-sharing-text-block","content":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"}}]},{"textBlocks":[{"id":"what-happens-when-i-limit-sharing-text-block","content":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}}]}]}},{"id":"what-we-do-section","content":{"title":"What we do","components":[{"textBlocks":[{"id":"how-does-comenity-protect-my-personal-information?","content":{"title":"How does Comenity protect my personal information?","body":"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."}}]},{"textBlocks":[{"id":"how-does-comenity-collect-my-personal-information?","content":{"title":"How does Comenity collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"}}]},{"textBlocks":[{"id":"why-can't-i-limit-all-sharing?","content":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"}}]},{"textBlocks":[{"id":"what-happens-when-i-limit-sharing-for-an-account-i-hold-jointly-with-someone-else?","content":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}}]}]}},{"id":"who-we-are-content-container","content":{"title":"Who we are","components":[{"textBlocks":[{"id":"who-is-providing-this-notice-text-block","content":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as \"Bread Pay,\" \"Bread Loans,\" and \"Bread Savings\"."}}]}]}},{"id":"who-we-are-section","content":{"title":"Who we are","components":[{"textBlocks":[{"id":"who-is-providing-this-notice?","content":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial)."}}]}]}}],"table":[{"id":"reasons-we-can-share-personal-info-table","content":{"header":[{"content":{"tableCell":[{"content":{"cellContent":"Reasons we can share your personal information"}},{"content":{"cellContent":"Does Bread Financial share?"}},{"content":{"cellContent":"Can you limit this sharing?"}}]}}],"body":[{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our everyday business purposes\u003C/strong>- to process your transactions, maintain your account (s), respond to court orders and legal investigations, or report to credit bureaus"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"No"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our marketing purposes\u003C/strong>- such as to offer our products and services to you"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"No"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For joint marketing with other financial companies\u003C/strong>"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"No"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates' everyday business purposes\u003C/strong>-information about your transactions and experiences"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"No"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates' everyday business purposes\u003C/strong>-information about your creditworthiness"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"Yes"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates to market to you\u003C/strong>"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"Yes"}}]}},{"content":{"tableCell":[{"content":{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For nonaffiliates to market to you\u003C/strong>"}},{"content":{"cellContent":"Yes"}},{"content":{"cellContent":"Yes"}}]}}]}}],"textBlocks":[{"textBlocks":[{"id":"affiliates","content":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial); and nonfinancial companies such as Bread Financial Holdings, Inc. (formerly “Alliance Data”).\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"affiliates-text-block","content":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.\u003C/em>\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"facts","content":{"title":"Facts","body":"What does Comenity do with your personal information?"}}]},{"textBlocks":[{"id":"facts-text-block","content":{"title":"Facts","body":"What does Bread Financial do with your personal information?"}}]},{"links":[{"linkId":"financial-privacy-policy-link","content":{"linkText":"Read Financial Privacy Policy","internalLink":{"title":"Legal Documents | Financial Privacy Policy","description":"financial-privacy-policy","key":"financial-privacy-policy"},"accessibilityLinkContent":"Go to the financial privacy page"}}],"textBlocks":[{"id":"financial-privacy-policy-text-block","content":{"title":"Financial Privacy Policy","body":"Federal law gives consumers the right to limit some, but not all, sharing of personal information by financial companies. As permitted by federal law, we choose how we share your personal information. This Financial Privacy Policy explains how we collect, share and protect your personal information, so please read it carefully."}}]},{"textBlocks":[{"id":"how?","content":{"title":"How?","body":"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."}}]},{"textBlocks":[{"id":"how-does-comenity-collect-my-personal-information?","content":{"title":"How does Comenity collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"}}]},{"textBlocks":[{"id":"how-does-comenity-collect-my-personal-information-text-block","content":{"title":"How does Bread Financial collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"}}]},{"textBlocks":[{"id":"how-does-comenity-protect-my-personal-information?","content":{"title":"How does Comenity protect my personal information?","body":"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."}}]},{"textBlocks":[{"id":"how-does-comenity-protect-my-personal-information-text-block","content":{"title":"How does Bread Financial protect my personal information?","body":"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."}}]},{"textBlocks":[{"id":"how-text-block","content":{"title":"How?","body":"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 Bread Financial chooses to share; and whether you can limit this sharing."}}]},{"textBlocks":[{"id":"joint-marketing","content":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our joint marketing partners may include lenders and insurance companies.\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"joint-marketing-text-block","content":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our joint marketing partners may include lenders and insurance companies.\u003C/em>\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"nonaffiliates","content":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"nonaffiliates-text-block","content":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/em>\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"other-important-information","content":{"title":"Other important information","body":"We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California."}}]},{"textBlocks":[{"id":"other-important-information-text-block","content":{"title":"Other important information","body":"We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California."}}]},{"textBlocks":[{"id":"pdf-version","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Printer-friendly version (PDF) \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You need Adobe Reader to view PDF files. You may download it for free from Adobe.\u003C/p>"}}]},{"textBlocks":[{"id":"printer-friendly-and-adobe-reader-text-block","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/images/privacy.pdf\" target=\"_blank\" aria-label=\"Download a PDF version of the Financial Privacy Policy.\" name=\"Printer-friendly version\">Printer-friendly version\u003C/a>\u003C/em> (PDF)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You need Adobe Reader to view PDF files. You may \u003Cem>\u003Ca href=\"https://www.adobe.com/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"download\" target=\"_blank\" id=\"download\">download\u003C/a>\u003C/em> it for free from Adobe.\u003C/p>"}}]},{"textBlocks":[{"id":"questions?","content":{"title":"Questions?","body":"Call 1-866-423-1097"}}]},{"textBlocks":[{"id":"questions-text-block","content":{"title":"Questions?","body":"Call 1-866-423-1097"}}]},{"textBlocks":[{"id":"to-limit-our-sharing","content":{"title":"To limit our sharing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Our menu will prompt you through your choices: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Comenity Bank customers: Call 1-800-220-1181 (TDD/TTY 1-800-695-1788) \u003C/li>\u003Cli>Comenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-819-1918) \u003C/li>\u003Cli>Bread Pay Customers: Visit your Member Portal under “My Account”, email \u003Ca href=\"mailto:support@breadpayments.com\" target=\"_blank\" name=\"support@breadpayments.com\">support@breadpayments.com\u003C/a> or call 1-844-992-7323\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Please note:\u003C/strong> \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If you are a new Comenity Bank or Comenity Capital Bank 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">However, you can contact us at any time to limit our sharing.\u003C/p>"}}]},{"textBlocks":[{"id":"to-limit-our-sharing-text-block","content":{"title":"To limit our sharing","body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Comenity Bank customers:\u003C/em> Call 1-800-220-1181 (TDD/TTY 1-800-695-1788)\u003C/li>\u003Cli>\u003Cem>Comenity Capital Bank customers:\u003C/em> Call 1-877-287-5012 (TDD/TTY 1-888-819-1918)\u003C/li>\u003Cli>\u003Cem>Bread Pay or Loans Customers:\u003C/em> Visit your Member Portal under “My Account”, email \u003Ca href=\"mailto:support@breadpayments.com\" target=\"_blank\" name=\"support@breadpayments.com\">support@breadpayments.com\u003C/a> or call 1-844-992-7323\u003C/li>\u003Cli>\u003Cem>Bread Savings customers:\u003C/em> Call 1-833-755-4354; dial 7 for a representative. For operator relay assistance, first dial 711\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If you are a \u003Cem>new\u003C/em> 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.\u003C/p>"}}]},{"textBlocks":[{"id":"what?","content":{"title":"What?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">The types of personal information we collect and share depend on the product or service you have with us. This information can include: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Social Security number and income \u003C/li>\u003Cli>Account balances and transaction history \u003C/li>\u003Cli>Credit history and credit scores\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"what-happens-when-i-limit-sharing-for-an-account-i-hold-jointly-with-someone-else?","content":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}}]},{"textBlocks":[{"id":"what-happens-when-i-limit-sharing-text-block","content":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}}]},{"textBlocks":[{"id":"what-text-block","content":{"title":"What?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">The types of personal information we collect and share depend on the product or service you have with us. This information can include: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Social Security number and income \u003C/li>\u003Cli>Account balances and transaction history \u003C/li>\u003Cli>Credit history and credit scores\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"who-is-providing-this-notice?","content":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial)."}}]},{"textBlocks":[{"id":"who-is-providing-this-notice-text-block","content":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as \"Bread Pay,\" \"Bread Loans,\" and \"Bread Savings\"."}}]},{"textBlocks":[{"id":"why?","content":{"title":"Why?","body":"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."}}]},{"textBlocks":[{"id":"why-can't-i-limit-all-sharing?","content":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"}}]},{"textBlocks":[{"id":"why-cant-i-limit-all-sharing-text-block","content":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"}}]},{"textBlocks":[{"id":"why-text-block","content":{"title":"Why?","body":"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."}}]}]}},{"documentId":"esign","content":{"bodyText":[{"id":"e-sign-and-electronic-communications-agreement-header-text","content":{"bodyText":"Updated E-Sign and Electronic Communications Agreement"}},{"id":"esign-agreement-forced-paperless-application-submit-body-text","content":{"bodyText":"By “checking” the box and selecting submit, you agree to Paperless Billing and Communications and confirm that your system meets the above requirements giving you the ability to access, download or print communication which includes billing statements sent to you electronically."}},{"id":"esign-agreement-forced-paperless-note-your-account-body-text","content":{"bodyText":"Note: Your Bread Cashback® American Express® Credit Card account is issued by Comenity Capital Bank. Review our \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/FinancialPrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Comenity Financial Privacy page.\" name=\"Financial Privacy Policy\">Financial Privacy Policy\u003C/a>\u003C/em> and \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/OnlinePrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Online Privacy Policy page.\" name=\"Online Privacy Policy\">Online Privacy Policy\u003C/a>\u003C/em> for more information. California Residents: Submit a \u003Cem>\u003Ca href=\"https://calprivacy.comenity.com/s/\" aria-label=\"Go to the Comenity Data Request form page.\" name=\"Data Request Form\" target=\"_blank\">Data Request Form\u003C/a>\u003C/em> to make a Do Not Sell or Share My Personal Information request."}},{"id":"prior-to-agreeing-esign-account-assure-body-text","content":{"bodyText":"Prior to agreeing to the ${accountAssureName} Terms and Conditions, we request your consent to provide you important information electronically."}},{"id":"prior-to-agreeing-esign-balance-transfer-body-text","content":{"bodyText":"Prior to agreeing to the Balance Transfer Terms and Conditions, we request your consent to provide you important information electronically."}},{"id":"prior-to-agreeing-esign-bpa-body-text","content":{"bodyText":"Prior to agreeing to the Bill Payment User Agreement, we request your consent to provide you important information electronically"}},{"id":"prior-to-agreeing-esign-purchase-offer-body-text","content":{"bodyText":"Prior to agreeing to the Purchase Offer Terms and Conditions, we request your consent to provide you important information electronically."}},{"id":"esign-agreement-application-kiosk-notice-body-text","content":{"bodyText":"If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk."}},{"id":"esign-agreement-application-note-your-account-body-text","content":{"bodyText":"Note: Your Bread Cashback® American Express® Credit Card account is issued by Comenity Capital Bank. Review our \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/FinancialPrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Comenity Financial Privacy page.\" name=\"Financial Privacy Policy\">Financial Privacy Policy\u003C/a>\u003C/em> and \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/OnlinePrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Online Privacy Policy page.\" name=\"Online Privacy Policy\">Online Privacy Policy\u003C/a>\u003C/em> for more information. California Residents: Submit a \u003Cem>\u003Ca href=\"https://calprivacy.comenity.com/s/\" aria-label=\"Go to the Comenity Data Request form page.\" name=\"Data Request Form\" target=\"_blank\">Data Request Form\u003C/a>\u003C/em> to make a Do Not Sell or Share My Personal Information request."}}],"textBlocks":[{"textBlocks":[{"id":"esign-agreement---application","content":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Prior to applying for a(n) [client.legalDocumentsClientNameAndCard], Comenity Capital Bank requests your consent to provide you important information electronically. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your [client.legalDocumentsClientNameAndCard] application in electronic form. These disclosures include, but are not limited to, [card.accountName] Terms and Conditions, the [card.ccaTitle] and Customer Privacy Statement. \u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at [client.legalDocumentsCsPhone] (TDD/TTY: 1-888-819-1918). \u003C/li>\u003Cli>This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center. \u003C/li>\u003Cli>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 [client.legalDocumentsCsPhone] \u003Cspan style=\"font-size: 11.3333px;\">(TDD/TTY: 1-888-819-1918) \u003C/span>to withdraw your consent to receive electronic disclosures. \u003C/li>\u003Cli>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. \u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.\u003C/p>"}}]},{"textBlocks":[{"id":"esign-disclosure-text-block","content":{"subtitle":"E-Sign and Electronic Communications Agreement","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>Last updated: 4/02/2024\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Confirmation:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You are agreeing to these terms (“E-Sign Consent”) by checking a box or selecting a button to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Submit an application or accept an offer for a credit card account (\"Account\") from Comenity Bank or Comenity Capital Bank (\"Bank,\" \"we,\" \"us\" or \"our\");\u003C/li>\u003Cli>Register or update your consent to online or mobile services for your Account;\u003C/li>\u003Cli>Use a service provided to you through your Account.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You are also agreeing to using electronic records and signatures generally in your transactions with us.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">This E-Sign Consent includes your certification that you have the hardware, software, and system requirements and the ability to access and retain information provided electronically as detailed in this agreement. Please read this carefully and keep a copy for your future reference.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>You must agree to this E-Sign Consent to access our Account Center portal or mobile application to service your Account, make payments, update your contact information, take advantage of promotional offers, and more. You may opt out of electronic billing statements without revoking your E-Sign Consent. If you opt out of electronic billing statements, you may be charged a paper statement fee.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Covered Communications:\u003C/strong> You have the right to receive certain legal disclosures and communications relating to your Account in writing (\"Covered Communications\"). When you agree to this E-Sign Consent and confirm that you meet the hardware, software, and system requirements, we may provide the Covered Communications to you electronically. Covered Communications include, but are not limited to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Billing statements;\u003C/li>\u003Cli>Applications or solicitations;\u003C/li>\u003Cli>Adverse action notices;\u003C/li>\u003Cli>Agreements governing your Account (including amendments and addenda);\u003C/li>\u003Cli>Electronic fund transfer authorizations;\u003C/li>\u003Cli>Legal disclosures or notices;\u003C/li>\u003Cli>Payment due notices, disputes, and billing inquiry communications;\u003C/li>\u003Cli>Balance transfer, promotional offers, and promotional plan disclosures;\u003C/li>\u003Cli>Annual privacy notices;\u003C/li>\u003Cli>Updates to this E-Sign Consent;\u003C/li>\u003Cli>Any other information of any kind we may provide to you, or that you may sign or submit or agree to at our request, as well as other communication about your Account or any substitute credit card account we may issue to you to replace the Account. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Covered Communications also includes required disclosures related to attempts to collect any debt arising from your Account.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We may provide Covered Communications in paper form and we may stop providing such paper communications at our option. Unless you have withdrawn your E-Sign Consent, if we have been providing disclosures required to be in writing in paper form (including billing statements) and we switch to providing them electronically we will give you advanced notice and the right to disagree.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Requesting Paper Copies:\u003C/strong> You have the right to request paper copies of any and all Covered Communications. You may request a paper copy of any Covered Communication by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; \u003C/li>\u003Cli>Sending us a message through Secure Message Center on Account Center; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or listed in Account Center.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Requesting Paper Billing Statements:\u003C/strong> You may elect to receive paper billing statements without withdrawing your E-Sign Consent. This allows you to still access your Account through Account Center or the mobile application. You may continue to pay your bill, accept offers, and use the services provided through Account Center or the mobile application, if you choose. If you choose to receive paper billing statements we may, at our option, send you other Covered Communications in paper as well. A withdrawal of your consent to receive billing statements electronically will be effective only after we have had a reasonable period of time to process your withdrawal.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You may elect to receive billing statements in paper format at any time by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Signing into your Account through Account Center or the mobile application and changing your account preferences to unenroll from paperless.\u003C/li>\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or on your billing statement.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>If you elect to receive paper billing statements, you may be charged a paper statement fee.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Withdrawing E-Sign Consent:\u003C/strong> Your consent shall remain in force until withdrawn in the manner provided in this section. You may withdraw your E-Sign Consent at any time. Withdrawing your consent may delay your transactions with us, will eliminate your ability to use our Account Center portal, Bread Pay Member portal, or mobile application, and eliminate your ability to make electronic payments (including AutoPay) through Account Center, Bread Pay Member portal, and the mobile application. You may withdraw your consent at any time by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Sending us a message through Secure Message Center on Account Center\u003C/li>\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or on your billing statement.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A withdrawal of your E-Sign Consent will be effective only after we have had a reasonable period of time to process your withdrawal. \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>If you revoke your E-Sign consent, you may be charged a fee to receive some Covered Communications.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Keep Email Updated:\u003C/strong> You agree to notify us immediately if your email address changes by signing into Account Center, the mobile application, or calling us at the phone number listed on the back of your credit card or on your billing statement. If a Covered Communication comes back to us as undeliverable, we may send you a paper version of that communication but assume no obligation to do so. Your failure to update your email address may result in missed communications which could relate to changes in Account terms, increased fees or other important disclosures and notices.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Hardware, Software, and System Requirements:\u003C/strong> To receive Covered Communications electronically, you must have a valid email address, and have access to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>A Current Version of Microsoft Edge, Chrome, or Safari;\u003C/li>\u003Cli>A connection to the Internet;\u003C/li>\u003Cli>A Current Version of a program that accurately reads and displays PDF files;\u003C/li>\u003Cli>A device and an operating system capable of supporting all of the above; and\u003C/li>\u003Cli>A printer if you wish to print out and retain records on paper or sufficient electronic storage capacity if you wish to retain records in electronic form.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">By \"Current Version,\" we mean the two most recent versions of the software that is currently being supported by its publisher. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Modification of Terms:\u003C/strong> We may modify the terms of this E-Sign Consent at our discretion. We will provide you with notice of such modification electronically.\u003C/p>"}}]},{"textBlocks":[{"id":"esign-agreement-forced-paperless-application-list-text-block","content":{"body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Communications include, but are not limited to, periodic billing notices, legal and regulatory disclosures including the Credit Card Agreement, Privacy policies and notices, error resolution notices, responses to claims filed in connection with your account, updates to these and other terms, as well as all other communications about your Bread Cashback® American Express® Credit Card.\u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please update it in Account Center or contact us at 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003Cli>At your request, we will provide you with paper copies of these or any other Communications.\u003C/li>\u003Cli>You have the right to withdraw your consent to receive electronic statements and Communications without a fee anytime by:\n\u003Cul>\u003Cli>Signing into Account Center and changing your settings at: My Profile > Account > Paperless Billing; or\u003C/li>\u003Cli>Writing us at: Comenity Bank PO Box 182273 Columbus, OH 43218-2273; or\u003C/li>\u003Cli>Calling us at: 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003C/ul>\u003C/li>\u003C/ul>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.\u003C/li>\u003Cli>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 \u003Cem>\u003Ca href=\"http://get.adobe.com/reader/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"https://get.adobe.com/reader/\" target=\"_blank\">https://get.adobe.com/reader/\u003C/a>\u003C/em>. Visit the \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/security/CommonSecurityQuestions.xhtml\" target=\"_blank\" aria-label=\"Go to the Common Security Questions page.\" name=\"Common Security Questions\">Common Security Questions\u003C/a>\u003C/em> page for additional web browser information. 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.\u003C/li>\u003Cli>If you are browsing this site for informational purposes, you waive any liability for any damages you may incur for relying on the information contained in this site.\u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records.\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"esign-agreement-forced-paperless-application-text-block","content":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Prior to applying for a(n) Bread Cashback® American Express® Credit Card, Comenity Capital Bank requests your consent to provide you important information electronically and your acknowledgment that you have the necessary device and software to receive our Communications.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You understand and agree that Comenity Capital Bank may provide any Communications in electronic form, to the extent allowed by law, rather than send any paper Communications to you.\u003C/p>"}}]},{"textBlocks":[{"id":"esign-agreement-application-list-text-block","content":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your Bread Cashback® American Express® Credit Card application in electronic form. These disclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.\u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003Cli>This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.\u003C/li>\u003Cli>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 1-888-282-5154 to withdraw your consent to receive electronic disclosures.\u003C/li>\u003Cli>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 \u003Cem>\u003Ca href=\"http://get.adobe.com/reader/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"https://get.adobe.com/reader/\" target=\"_blank\">https://get.adobe.com/reader/\u003C/a>\u003C/em>. Visit the \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/security/CommonSecurityQuestions.xhtml\" target=\"_blank\" aria-label=\"Go to the Common Security Questions page.\" name=\"Common Security Questions\">Common Security Questions\u003C/a>\u003C/em> page for additional web browser information. 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.\u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records.\u003C/li>\u003C/ul>"}}]},{"textBlocks":[{"id":"esign-agreement-application-text-block","content":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"Prior to applying for a Bread Cashback® American Express® Credit Card, Comenity Capital Bank requests your consent to provide you important information electronically."}}]},{"textBlocks":[{"id":"updated-esign-agreement-disclosure-text-block","content":{"title":"Review the Updated Agreement","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We are updating this Agreement in order provide you with a better customer experience. The key changes are:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>We may charge a fee if you choose to receive paper statements. \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>To avoid potential statement fees, enroll in paperless statements.\u003C/strong>\u003C/li>\u003Cli>Going forward we may make non-material changes to the EECA through electronic notice to you.\u003C/li>\u003Cli>This updated agreement clarifies the types of communications we may send you electronically such as agreements governing your account (including amendments and addenda) and legal disclosures or notices (paperless billing statements require separate enrollment).\u003C/li>\u003Cli>Agreeing to this updated agreement will allow you uninterrupted access to our online Account Center.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Please scroll through the full agreement for additional details.\u003C/p>"}}]}]}},{"documentId":"patriot-act","content":{"contentContainer":[{"id":"patriot-act-content-container","content":{"title":"Please review the Important Information and Terms about opening an account prior to submitting your application.","components":[{"textBlocks":[{"id":"patriot-act-and-pre-application-apply-requirements-text-block","content":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory;\u003C/li>\u003Cli>Have a valid government-issued photo ID;\u003C/li>\u003Cli>Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"}}]},{"textBlocks":[{"id":"patriot-act-and-pre-application-disclosure-verify-and-record-identifying-information-text-block","content":{"title":"Important Information about Opening an Account","body":"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents."}}]},{"textBlocks":[{"id":"patriot-act-and-pre-application-disclosure-state-residents-definitions-text-block","content":{"body":"\u003Cdl xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>California Residents:\u003C/strong>\u003C/dt>\u003Cdd>If you are married, you may apply for a separate account.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Ohio Residents:\u003C/strong>\u003C/dt>\u003Cdd>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.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong>\u003C/dt>\u003Cdd>We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Wisconsin Residents:\u003C/strong>\u003C/dt>\u003Cdd>No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/dd>\u003C/dl>"}}]}]}}]}}],"h":{},"s":200,"st":"OK","u":"https://cgw.comenity.net/content/v1/clients/breadcashback/legaldocs?type=cca","rt":"json"},"2497786535":{"b":{"clientLegalDocumentsCsPhone":"1-888-282-5154","bankAddressCreditDispute":"PO Box 182120, Columbus, OH 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Cashback® American Express® Credit Card Agreement","clientPrescreenCode":"Prescreen ID","rewardAmountPrefix":"$","clientStoreLocatorUrl":"-","clientEmailId":"breadcashback-no-reply","clientCollectionsPhone":"1-877-697-6490","clientPaymentPaperlessAddress":"PO Box 650971","clientShopVisitLabel":"Shop Bread Cashback® ","bankCity":"Salt Lake City","clientCustomerCareHoursLines2":"7 days a week","clientCsAddress":"PO Box 183003","clientStoreLocatorLabel":"Locate Store","clientVdir":"breadcashback","clientAccountCenterName":"Account Center","rewardsInfoRewardProgramCurrencyLowerCase":"dollar","rewardsInfoRewardProgramTitle":"Reward","clientCsPhone":"1-888-282-5154","clientMcProdName":"Digital Card","comenityGlobalSeoKeywords":"Comenity, Comenity Bank, Comenity Capital Bank","bankPhoneTddTty":"1-888-819-1918","clientCsCityStateZip":"Columbus, OH 43218-3003","rewardsInfoRewardProgramCurrencyPluralLowerCase":"dollars","clientCustomerCareHoursLines1":"24 hours a 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"}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body40","mobileorder":44,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Table with information about credit card account usage "},{"textStyle":"bold","fontsize":10,"text":"Using Your Account"}]},{"elementType":"table","id":"tableX5","mobileorder":45,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Your Agreement "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Use of Account"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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., American Express, Visa and Mastercard), you may use your Account to make Cash Advances."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Authorized Users"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Joint Accounts"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Authorizations"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Limit"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Promotional Credit Plans"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Electronic Access"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Applications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible for any consequences from your violation of those terms. "}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body41","mobileorder":46,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APRs and Interest Based on APRs"}]},{"elementType":"text","elementStyle":"Heading9pt","id":"body42","mobileorder":47,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Review your Summary for the APRs that apply to your Account"}]},{"elementType":"table","id":"tableX6","mobileorder":48,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Variable APRs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Daily Balance Method (including current transactions)"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We start with the beginning balance each day (including unpaid interest and fees). "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the partial daily balance. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We multiply the partial daily balance by the daily periodic rate to get the daily interest. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding of interest. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We round interest to the nearest cent."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Interest"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Charging Interest: "},{"textStyle":"plaintext","fontsize":9,"text":"Interest begins on a transaction, fee or interest from the day added to the daily balance until paid in full. "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"How to Avoid Paying Interest on Regular Purchases (Grace Period): "},{"textStyle":"plaintext","fontsize":9,"text":"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. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those balances from the amount you have to pay in a billing period to keep your Grace Period. However, you must pay (i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full amount of any promotional Credit Plan that expires in that billing period."}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"You Could Lose Your Grace Period: "},{"textStyle":"plaintext","fontsize":9,"text":"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. Once you lose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or balance transfers as described above plus any interest charged up to the date the payment posts) in full for two billing periods in a row."}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Waived Interest Credit Plan: "},{"textStyle":"plaintext","fontsize":9,"text":"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. "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Deferred Interest Credit Plan: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body43","mobileorder":49,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Payments"}]},{"elementType":"table","id":"tableX7","mobileorder":50,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Payment Instructions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We credit payments in accordance with the terms on your statement. Review your statement for details. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Pay 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"How We Apply Payments"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body44","mobileorder":51,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Other Information"}]},{"elementType":"table","id":"tableX8","mobileorder":52,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Default"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You are in default if:"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you fail to comply with this Agreement or any other agreement with us or an affiliate; "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• a bankruptcy or other insolvency proceeding is filed by or against you; "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• we reasonably believe you are unable or unwilling to repay us;"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you die or are legally incompetent or incapacitated;"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you are in default, we may declare the entire balance immediately due and payable without notice."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Collection Costs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Privacy Policy"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Credit Reporting "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Unauthorized Use"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Notify 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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Closing Your Account"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Foreign Transactions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., American Express, 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."}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Conformance with Law; Severability"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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 invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"No Waiver "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"We will not lose our rights under this Agreement because we delay or do not enforce them."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Assignment "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"New Jersey Residents"},{"textStyle":"plaintext","fontsize":9,"text":" "}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"All provisions of this agreement are valid, enforceable and applicable in New Jersey."}]}]}]}]},{"elementType":"text","elementStyle":"HeadingBoldBorder10","elementAttribs":"role='heading'","ariaLevel":2,"id":"body45","mobileorder":53,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Communications with Us"}]},{"elementType":"text","elementStyle":"Normal","id":"body46","mobileorder":54,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Monitoring and Recording:"},{"textStyle":"plaintext","fontsize":9,"text":" 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. "}]},{"elementType":"text","elementStyle":"Normal","id":"body47","mobileorder":55,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Communication Authorization:"},{"textStyle":"plaintext","fontsize":9,"text":" 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:"}]},{"elementType":"listItem","id":"bullet48","mobileorder":56,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any phone number you give us even if the number is or converts to a mobile phone number;"}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any other number you provide, use to contact us or may utilize; "}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any other device or service for which you may be charged for the call, including Voice Over Internet Protocol (VOIP); and"}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"any email address you provide to us or any other person or company that provides any services in connection with this Agreement."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body49","mobileorder":57,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body50","mobileorder":58,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Communications may result in additional mobile, text message, data or other charges."}]},{"elementType":"text","elementStyle":"Normal","id":"body51","mobileorder":59,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You may change your preferences by calling the General phone number on the Summary."}]},{"elementType":"text","elementStyle":"Normal","id":"body52","mobileorder":60,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Disputed Debts: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body53","mobileorder":61,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Bankruptcy Notifications: "},{"textStyle":"plaintext","fontsize":9,"text":"Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the Summary. "}]},{"elementType":"text","elementStyle":"Normal","id":"body54","mobileorder":62,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Changes: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body55","mobileorder":63,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Communication in Languages Other Than English: "},{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body56","mobileorder":64,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"Normal","id":"body57","mobileorder":65,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"HeadingBoldBorder10","elementAttribs":"role='heading'","ariaLevel":2,"id":"body58","mobileorder":66,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Notice for Active Duty Military Members and Their Dependents"}]},{"elementType":"text","elementStyle":"Normal","id":"body59","mobileorder":67,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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 members of the Armed Forces and their dependents:"}]},{"elementType":"listItem","id":"bullet60","mobileorder":68,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"The provision of this Agreement titled “Arbitration and Jury Trial Waiver” does not apply to you."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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)."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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)."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body61","mobileorder":69,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"Normal","id":"body62","mobileorder":70,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":1}]},{"elementType":"text","elementStyle":"HeadingBold10NoSpace","elementAttribs":"role='heading'","ariaLevel":2,"id":"body63","mobileorder":71,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Arbitration and Jury Trial Waiver"}]},{"elementType":"table","id":"tableX9","mobileorder":72,"border":"true","verticaldividers":"false","horizontaldividers":"true","columnwidths":[{"columnwidth":17},{"columnwidth":83}],"rows":[{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Key Provisions"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"Please review the following important provisions carefully. Pay special attention to Paragraphs:"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• A: Jury Trial Waiver;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C: Arbitration Provision;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.1: Right to Reject;"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.6: Court and Jury Trials Prohibited; Other Limitations on Legal Rights; and"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"• C.7: Class Action Waiver."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"A. Jury Trial Waiver"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"To 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"B. Notice and Cure"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Prior 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 (\"Respondent\") written notice of the Claim (\"Claim Notice\") and a reasonable opportunity, not less than 30 days, to resolve the Claim through good faith efforts of both parties. 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 Respondent reasonably requests. Any statute of limitations applicable to the Claim described in the Claim Notice shall be tolled during the period between the date that the Claim Notice is sent by mail and the later of: "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"a. 60 days after receipt of the Claim Notice, or "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"b. 30 days after either Claimant or Respondent informs the other that good faith efforts to resolve the Claim informally have ceased. "}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"A lawsuit or arbitration proceeding may not be commenced unless the Claimant has complied with this Notice and Cure provision. A court will have authority to enforce this Notice and Cure provision, including the power to enjoin the filing or prosecution of arbitrations without first complying with said provision. Unless prohibited by applicable law, the arbitration Administrator is without authority to accept or administer any arbitration proceeding unless the Claimant has complied with this Notice and Cure provision."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"C. Arbitration Provision"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"Review 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"1. Right to Reject"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If 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, address, Account number 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 personally signed by you and if we receive 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"2. Parties"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” mean"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"3. Covered Claims"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"\"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 individual 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"4. Starting an Arbitration"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Arbitration 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. You and we will not choose to arbitrate any individual Claim you or we bring in small claims court or your or our state’s equivalent court. This means you or we may bring an action in small claims court without being subject to arbitration. Moreover, if an arbitration demand has been made within the jurisdictional limits of the applicable small claims court, you or we may instruct the arbitration Administrator to close the case because the dispute should be decided by a small claims court. However, if a Claim is transferred, removed or appealed from small claims court to a different court, or if any Claim brought in small claims court exceeds the small claims court limit or attempts to change an individual Claim into a class or other representative Claim, you or we will then have the right to demand arbitration."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"5. Administrator"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"\"Administrator\" means the American Arbitration Association (\"AAA\"), 120 Broadway, 21st Floor, New York, NY 10271, www.adr.org, or National Arbitration and Mediation (“NAM”), 122 East 42nd Street, Suite 803, New York, NY 10168, www.namadr.com, to be selected by mutual agreement of the parties. If the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court with jurisdiction pursuant to Section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (\"FAA\"). 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. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered by any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver, without the consent of all parties to the arbitration. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"6. Court and Jury Trials Prohibited; Other Limitations on Legal Rights"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"7. Prohibition Against Certain Proceedings (Class Action Waiver)"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"bold","fontsize":9,"text":"If you or we elect to arbitrate a Claim:"}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"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; "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"b. neither you nor we may act as a private attorney general in court or in arbitration;"}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"c. absent the written consent of all parties, Claims brought by or against you may not be joined or consolidated with Claims brought by or against any other person; and "}]},{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":9,"text":"d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"8. Location and Costs"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Any arbitration hearing that you attend must take place at a location reasonably convenient to you. The parties shall pay filing, administrative and arbitrator fees in accordance with the Administrator’s rules and applicable law. However, if we receive a written request personally signed by you, stating that you cannot afford to pay your portion of said fees, we will pay them for you. The parties shall also bear the fees and expenses of their own attorneys, experts and witnesses unless otherwise required by applicable law, this Agreement or the Administrator’s rules. Provided such an award is permitted by applicable law, the arbitrator may also allocate compensation, expenses, and administrative fees (which include filing and hearing fees) to any party upon the arbitrator’s determination that the party’s claim or counterclaim was filed for purposes of harassment or is patently frivolous. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"9. Governing Law"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This Arbitration Provision involves interstate commerce and is governed by the 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 in an individual case 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"10. Discovery"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"11. Result and Appeals"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"Judgment 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"12. Interpretation"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This 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."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"13. Severability"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If 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."}]}]}]}]},{"elementType":"text","elementStyle":"Normal","id":"body64","mobileorder":73,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Your Billing Rights: Keep This Document For Future Use"}]},{"elementType":"text","elementStyle":"Normal","id":"body65","mobileorder":74,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act."}]},{"elementType":"text","elementStyle":"Normal","id":"body66","mobileorder":75,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"What To Do If You Find A Mistake On Your Statement"}]},{"elementType":"text","elementStyle":"Normal","id":"body67","mobileorder":76,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you think there is an error on your statement, write to us at the address for Billing Errors on the Summary "}]},{"elementType":"text","elementStyle":"Normal","id":"body68","mobileorder":77,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"In your letter, give us the following information:"}]},{"elementType":"listItem","id":"bullet69","mobileorder":78,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Account information:"},{"textStyle":"plaintext","fontsize":9,"text":" Your name and account number."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Dollar amount:"},{"textStyle":"plaintext","fontsize":9,"text":" The dollar amount of the suspected error."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" "},{"textStyle":"italics","fontsize":9,"text":"Description of problem:"},{"textStyle":"plaintext","fontsize":9,"text":" If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body70","mobileorder":79,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You must contact us:"}]},{"elementType":"listItem","id":"bullet71","mobileorder":80,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" Within 60 days after the error appeared on your statement."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body72","mobileorder":81,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"You must notify us of any potential errors "},{"textStyle":"italics","fontsize":9,"text":"in writing"},{"textStyle":"plaintext","fontsize":9,"text":". 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body73","mobileorder":82,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"What Will Happen After We Receive Your Letter"}]},{"elementType":"text","elementStyle":"Normal","id":"body74","mobileorder":83,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"When we receive your letter, we must do two things:"}]},{"elementType":"text","elementStyle":"Normal","id":"body75","mobileorder":84,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body76","mobileorder":85,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body77","mobileorder":86,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"While we investigate whether or not there has been an error:"}]},{"elementType":"listItem","id":"bullet78","mobileorder":87,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" We cannot try to collect the amount in question, or report you as delinquent on that amount."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" The charge in question may remain on your statement, and we may continue to charge you interest on that amount."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" While you do not have to pay the amount in question, you are responsible for the remainder of your balance."}]},{"contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" We can apply any unpaid amount against your credit limit."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body79","mobileorder":88,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"After we finish our investigation, one of two things will happen:"}]},{"elementType":"listItem","id":"bullet80","mobileorder":89,"listType":"unordered","Items":[{"contentSpans":[{"textStyle":"italics","fontsize":9,"text":" If we made a mistake"},{"textStyle":"plaintext","fontsize":9,"text":": You will not have to pay the amount in question or any interest or other fees related to that amount."}]},{"contentSpans":[{"textStyle":"italics","fontsize":9,"text":"If we do not believe there was a mistake"},{"textStyle":"plaintext","fontsize":9,"text":": 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."}]}]},{"elementType":"text","elementStyle":"Normal","id":"body81","mobileorder":90,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If you receive our explanation but still believe your bill is wrong, you must write to us within "},{"textStyle":"italics","fontsize":9,"text":"10 days"},{"textStyle":"plaintext","fontsize":9,"text":" 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body82","mobileorder":91,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body83","mobileorder":92,"alignment":"left","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"italics","fontsize":9,"text":"Your Rights If You Are Dissatisfied With Your Credit Card Purchases"}]},{"elementType":"text","elementStyle":"Normal","id":"body84","mobileorder":93,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body85","mobileorder":94,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"To use this right, all of the following must be true:"}]},{"elementType":"text","elementStyle":"Normal","id":"body86","mobileorder":95,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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. ("},{"textStyle":"screenreader","fontsize":9,"text":"Important "},{"textStyle":"plaintext","fontsize":9,"text":"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.)"}]},{"elementType":"text","elementStyle":"Normal","id":"body87","mobileorder":96,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"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."}]},{"elementType":"text","elementStyle":"Normal","id":"body88","mobileorder":97,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"3. You must not yet have fully paid for the purchase."}]},{"elementType":"text","elementStyle":"Normal","id":"body89","mobileorder":98,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":"If all of the criteria above are met and you are still dissatisfied with the purchase, contact us "},{"textStyle":"italics","fontsize":9,"text":"in writing"},{"textStyle":"plaintext","fontsize":9,"text":" at the address for Billing Errors on the Summary."}]},{"elementType":"text","elementStyle":"Normal","id":"body90","mobileorder":99,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9,"text":" 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."}]},{"elementType":"text","elementStyle":"Normal","id":"body91","mobileorder":100,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body92","mobileorder":101,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body93","mobileorder":102,"alignment":"left","contentSpans":[{"textStyle":"bold","fontsize":14,"text":"Pricing Addendum "}]},{"elementType":"text","elementStyle":"Normal","id":"body94","mobileorder":103,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":14,"text":" "}]},{"elementType":"table","id":"tableX10","mobileorder":104,"border":"true","verticaldividers":"true","horizontaldividers":"true","columnwidths":[{"columnwidth":33},{"columnwidth":33},{"columnwidth":33}],"rows":[{"rowType":"reverseheader","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Interest Rates and Interest Charges"}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]},{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Annual Percentage Rate (APR) for Purchases"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":16,"text":"12.24% "},{"textStyle":"bold","fontsize":10,"text":"to"},{"textStyle":"bold","fontsize":16,"text":" 26.74%"},{"textStyle":"plaintext","fontsize":10,"text":", based upon your creditworthiness. "}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APR for Balance Transfers"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":10,"text":"12.24% to 26.74%"},{"textStyle":"plaintext","fontsize":10,"text":", based upon your creditworthiness. "}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate."}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"APR for Cash Advances"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Prime Rate plus "},{"textStyle":"bold","fontsize":10,"text":"26.74%"}]},{"lineType":"indent","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"This APR will vary with the market based on the Prime Rate. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Paying Interest"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"Your due date is at least 21 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. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. "}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Minimum Interest Charge"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"If you are charged interest, the charge will be no less than $3.00."}]}]}]},{"rowType":"reverseheader","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":12,"text":"Fees"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Annual Fee"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Annual Fee is "},{"textStyle":"bold","fontsize":10,"text":"None"}]},{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Transaction Fees"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Balance Transfer"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Cash Advance"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Foreign Transaction"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Balance Transfer Transaction fees are "},{"textStyle":"plaintext","fontsize":10,"text":"Either "},{"textStyle":"bold","fontsize":10,"text":"$10"},{"textStyle":"plaintext","fontsize":10,"text":" or "},{"textStyle":"bold","fontsize":10,"text":"5%"},{"textStyle":"plaintext","fontsize":10,"text":" of the amount of each transfer, whichever is greater. "}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Cash Advance Transaction fees are "},{"textStyle":"plaintext","fontsize":10,"text":"Either "},{"textStyle":"bold","fontsize":10,"text":"$10.00"},{"textStyle":"plaintext","fontsize":10,"text":" or "},{"textStyle":"bold","fontsize":10,"text":"5.0%"},{"textStyle":"plaintext","fontsize":10,"text":" of the amount of each cash advance, whichever is greater. "}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":"Foreign transaction fees are "},{"textStyle":"bold","fontsize":10,"text":"None"}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Penalty Fees"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Late Payment"}]},{"lineType":"bullet","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"• Returned Payment"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Penalty Fees for Late Payment are "},{"textStyle":"plaintext","fontsize":10,"text":"Up to "},{"textStyle":"bold","fontsize":10,"text":"$41.00"}]},{"lineType":"text","contentSpans":[{"textStyle":"screenreader","fontsize":9,"text":" Penalty Fees for Returned Payment are "},{"textStyle":"plaintext","fontsize":10,"text":"Up to "},{"textStyle":"bold","fontsize":10,"text":"$41.00"}]}]}]},{"rowType":"normal","columns":[{"lines":[{"lineType":"text","contentSpans":[{"textStyle":"bold","fontsize":10,"text":"Balance Computation Method"}]}]},{"colspan":2,"lines":[{"lineType":"text","contentSpans":[{"textStyle":"plaintext","fontsize":10,"text":"We use a method called \"daily balance (including current transactions).\""}]}]}]}]},{"elementType":"text","elementStyle":"Normal","id":"body95","mobileorder":105,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":10}]},{"elementType":"text","elementStyle":"Normal","id":"body96","mobileorder":106,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]},{"elementType":"text","elementStyle":"Normal","id":"body97","mobileorder":107,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":7}]},{"elementType":"text","elementStyle":"Part2End","id":"body98","mobileorder":108,"alignment":"left","contentSpans":[{"textStyle":"plaintext","fontsize":9}]}]},"cca":{"bodyText":{"prescreenOptOutNoticePhoneNumberToStopReceiving":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."},"prescreenOptOutNoticePhoneNumberToStopReceivingBodyText":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."}},"contentContainer":{"patriotActContentContainer":{"components":{"patriotActApplicationRequirements":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory\u003C/li>\u003Cli>Have a valid government-issued photo ID\u003C/li>\u003Cli>Have a valid government issued tax identification number (such as a SSN or SIN)\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"},"patriotActVerifyAndRecordIdentifyingInformation":{"title":"Important Information about Opening an Account","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">What this means for you:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>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.\u003C/li>\u003Cli>We may also ask for your driver's license or other identifying documents. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>California Residents:\u003C/strong> If you are married, you may apply for a separate account. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Ohio Residents:\u003C/strong> 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong> We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Wisconsin Residents:\u003C/strong> No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/p>"}},"title":"Please review the Important Information and Terms about opening an account prior to submitting your application."},"prescreenOptOutNoticeContentContainer":{"components":{"prescreenOptOutNoticePhoneNumberToStopReceivingBodyText":{"bodyText":"You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. See \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" style=\"text-decoration: underline;\">Prescreen & Opt-out Notice\u003C/span> below for more information about prescreened offers."},"prescreenOptOutNoticeTextBlock":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."}},"title":"If you have been preapproved, see below for details of your offer."}},"textBlocks":{"downsellDisclosureTextBlock":{"body":"If you do not qualify for the Bread Cashback® American Express® Credit Card, you may be considered for and receive the \u003CPLCC/ Other Cobrand Tier Client Name> \u003CCredit Card Account / Credit Account>, to be used only at Bread Cashback®. Before submitting your application/solicitation, please review rates, fees and costs for both credit cards."},"frictionlessMobileDownsellDisclosureTextBlock":{"title":"Frictionless Mobile Disclosure","body":"If you do not qualify for the American Express® Credit Card, you may qualify for the store Credit Card. Please review the Interest Rates, fees and costs for both credit cards in the Interest Rates and Interest Charges table below."},"importantInformationCreditReportAndCustomerInformationTextBlock":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">I am applying to Comenity Capital Bank for, and hereby request, a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement. I acknowledge that I will receive a Bread Cashback® American Express® 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 Bread Cashback® American Express® Credit Card account agreement at its office in Utah and that the Bread Cashback® American Express® Credit Card account agreement is deemed to be made in Utah. American Express® Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You hereby authorize Comenity Capital Bank (\"us\" or \"we\") to furnish our decision to issue an account to you to Bread Cashback® American Express® Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Bread Cashback® American Express® Credit Card.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>"},"importantInformationForCoveredBorrowersUnderTheMilitaryLendingActTextBlock":{"title":"Important Information for Covered Borrowers under the Military Lending Act","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>For New Accounts\u003C/strong>- 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)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at \u003Ca href=\"tel:1-866-230-0418\" name=\"1-866-230-0418\">1-866-230-0418\u003C/a>; (TDD/TTY: 1-888-819-1918).\u003C/p>"},"frictionlessMobileDownsellDisclosure":{"body":"If you do not qualify for the American Express® Credit Card, you may qualify for the store Credit Card. Please review the below rates, fees and costs for both credit cards."},"importantInformationCreditReportAndCustomerInformation":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">I am applying to Comenity Capital Bank for, and hereby request, a [client.legalDocumentsClientNameAndCard] 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 [card.ccaTitle]. I acknowledge that I will receive a [card.ccaTitle] 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 [card.ccaTitle] at its office in [bank.governingLawState] and that the [card.ccaTitle] is deemed to be made in [bank.governingLawState]. [card.cardName] are issued and credit is extended by Comenity Capital Bank, [bank.city], [bank.governingLawState].\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>By submitting this credit application, you are agreeing to the following with respect to certain consumer information about you.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You hereby authorize Comenity Capital Bank (\"us\" or \"we\") to furnish our decision to issue an account to you to [client.legalDocumentsParentCompanyName]. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and [client.legalDocumentsParentCompanyName].\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>"},"importantInformationForCoveredBorrowersUnderTheMilitaryLendingAct":{"title":"Important Information for Covered Borrowers under the Military Lending Act","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>For New Accounts\u003C/strong>- 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)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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).\u003C/p>"},"patriotActApplicationRequirements":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory\u003C/li>\u003Cli>Have a valid government-issued photo ID\u003C/li>\u003Cli>Have a valid government issued tax identification number (such as a SSN or SIN)\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"},"patriotActVerifyAndRecordIdentifyingInformation":{"title":"Important Information about Opening an Account","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">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.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">What this means for you:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>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.\u003C/li>\u003Cli>We may also ask for your driver's license or other identifying documents. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>California Residents:\u003C/strong> If you are married, you may apply for a separate account. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Ohio Residents:\u003C/strong> 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong> We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cstrong>Wisconsin Residents:\u003C/strong> No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/p>"},"prescreenOptOutNotice":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."},"prescreenOptOutNoticeTextBlock":{"title":"Prescreen & Opt-Out Notice","body":"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 \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"test\">15230-0495\u003C/span>."}},"documentId":"cca"},"financialpolicy":{"bodyText":{"financialPrivacyPolicyBodyText":{"bodyText":"Financial Privacy Policy"},"privacyTitleText":{"bodyText":"Privacy"},"revisionDate":{"bodyText":"rev. 04/2024"},"youNeedAdobeReaderBodyText":{"bodyText":"You need Adobe Reader to view PDF files. You may \u003Cem xmlns=\"http://www.w3.org/1999/xhtml\">\u003Ca href=\"https://www.adobe.com/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"download\" target=\"_blank\" id=\"download\">download\u003C/a>\u003C/em> it for free from Adobe."}},"contentContainer":{"definitionsContentContainer":{"components":{"affiliatesTextBlock":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.\u003C/em>\u003C/li>\u003C/ul>"},"nonaffiliatesTextBlock":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/em>\u003C/li>\u003C/ul>"},"jointMarketingTextBlock":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our joint marketing partners may include lenders and insurance companies.\u003C/em>\u003C/li>\u003C/ul>"}},"title":"Definitions"},"definitionsSection":{"components":{"affiliates":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial); and nonfinancial companies such as Bread Financial Holdings, Inc. (formerly “Alliance Data”).\u003C/li>\u003C/ul>"},"nonaffiliates":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/li>\u003C/ul>"},"jointMarketing":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our joint marketing partners may include lenders and insurance companies.\u003C/li>\u003C/ul>"}},"title":"Definitions"},"whatWeDoContentContainer":{"components":{"howDoesComenityProtectMyPersonalInformationTextBlock":{"title":"How does Bread Financial protect my personal information?","body":"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."},"howDoesComenityCollectMyPersonalInformationTextBlock":{"title":"How does Bread Financial collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"},"whyCantILimitAllSharingTextBlock":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"},"whatHappensWhenILimitSharingTextBlock":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}},"title":"What we do"},"whatWeDoSection":{"components":{"howDoesComenityProtectMyPersonalInformation?":{"title":"How does Comenity protect my personal information?","body":"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."},"howDoesComenityCollectMyPersonalInformation?":{"title":"How does Comenity collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"},"whyCan'tILimitAllSharing?":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"},"whatHappensWhenILimitSharingForAnAccountIHoldJointlyWithSomeoneElse?":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."}},"title":"What we do"},"whoWeAreContentContainer":{"components":{"whoIsProvidingThisNoticeTextBlock":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as \"Bread Pay,\" \"Bread Loans,\" and \"Bread Savings\"."}},"title":"Who we are"},"whoWeAreSection":{"components":{"whoIsProvidingThisNotice?":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial)."}},"title":"Who we are"}},"table":{"reasonsWeCanSharePersonalInfoTable":{"title":"","header":[{"tableCell":[{"cellContent":"Reasons we can share your personal information"},{"cellContent":"Does Bread Financial share?"},{"cellContent":"Can you limit this sharing?"}]}],"body":[{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our everyday business purposes\u003C/strong>- to process your transactions, maintain your account (s), respond to court orders and legal investigations, or report to credit bureaus"},{"cellContent":"Yes"},{"cellContent":"No"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our marketing purposes\u003C/strong>- such as to offer our products and services to you"},{"cellContent":"Yes"},{"cellContent":"No"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For joint marketing with other financial companies\u003C/strong>"},{"cellContent":"Yes"},{"cellContent":"No"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates' everyday business purposes\u003C/strong>-information about your transactions and experiences"},{"cellContent":"Yes"},{"cellContent":"No"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates' everyday business purposes\u003C/strong>-information about your creditworthiness"},{"cellContent":"Yes"},{"cellContent":"Yes"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For our affiliates to market to you\u003C/strong>"},{"cellContent":"Yes"},{"cellContent":"Yes"}]},{"tableCell":[{"cellContent":"\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong xmlns=\"http://www.w3.org/1999/xhtml\">For nonaffiliates to market to you\u003C/strong>"},{"cellContent":"Yes"},{"cellContent":"Yes"}]}]}},"textBlocks":{"affiliates":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial); and nonfinancial companies such as Bread Financial Holdings, Inc. (formerly “Alliance Data”).\u003C/li>\u003C/ul>"},"affiliatesTextBlock":{"title":"Affiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.\u003C/em>\u003C/li>\u003C/ul>"},"facts":{"title":"Facts","body":"What does Comenity do with your personal information?"},"factsTextBlock":{"title":"Facts","body":"What does Bread Financial do with your personal information?"},"financialPrivacyPolicyLink":{"linkText":"Read Financial Privacy Policy","internalLink":{"title":"Legal Documents | Financial Privacy Policy","description":"financial-privacy-policy","key":"financial-privacy-policy"},"accessibilityLinkContent":"Go to the financial privacy page"},"financialPrivacyPolicyTextBlock":{"title":"Financial Privacy Policy","body":"Federal law gives consumers the right to limit some, but not all, sharing of personal information by financial companies. As permitted by federal law, we choose how we share your personal information. This Financial Privacy Policy explains how we collect, share and protect your personal information, so please read it carefully."},"how?":{"title":"How?","body":"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."},"howDoesComenityCollectMyPersonalInformation?":{"title":"How does Comenity collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"},"howDoesComenityCollectMyPersonalInformationTextBlock":{"title":"How does Bread Financial collect my personal information?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We collect your personal information, for example, when you \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>open an account or provide account information \u003C/li>\u003Cli>give us your income information \u003C/li>\u003Cli>use your credit or show your driver's license \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003C/p>"},"howDoesComenityProtectMyPersonalInformation?":{"title":"How does Comenity protect my personal information?","body":"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."},"howDoesComenityProtectMyPersonalInformationTextBlock":{"title":"How does Bread Financial protect my personal information?","body":"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."},"howTextBlock":{"title":"How?","body":"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 Bread Financial chooses to share; and whether you can limit this sharing."},"jointMarketing":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Our joint marketing partners may include lenders and insurance companies.\u003C/li>\u003C/ul>"},"jointMarketingTextBlock":{"title":"Joint marketing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Our joint marketing partners may include lenders and insurance companies.\u003C/em>\u003C/li>\u003C/ul>"},"nonaffiliates":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/li>\u003C/ul>"},"nonaffiliatesTextBlock":{"title":"Nonaffiliates","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Companies not related by common ownership or control. They can be financial and nonfinancial companies. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers and nonprofit organizations.\u003C/em>\u003C/li>\u003C/ul>"},"otherImportantInformation":{"title":"Other important information","body":"We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California."},"otherImportantInformationTextBlock":{"title":"Other important information","body":"We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California."},"pdfVersion":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Printer-friendly version (PDF) \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You need Adobe Reader to view PDF files. You may download it for free from Adobe.\u003C/p>"},"printerFriendlyAndAdobeReaderTextBlock":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/images/privacy.pdf\" target=\"_blank\" aria-label=\"Download a PDF version of the Financial Privacy Policy.\" name=\"Printer-friendly version\">Printer-friendly version\u003C/a>\u003C/em> (PDF)\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You need Adobe Reader to view PDF files. You may \u003Cem>\u003Ca href=\"https://www.adobe.com/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"download\" target=\"_blank\" id=\"download\">download\u003C/a>\u003C/em> it for free from Adobe.\u003C/p>"},"questions?":{"title":"Questions?","body":"Call 1-866-423-1097"},"questionsTextBlock":{"title":"Questions?","body":"Call 1-866-423-1097"},"toLimitOurSharing":{"title":"To limit our sharing","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Our menu will prompt you through your choices: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Comenity Bank customers: Call 1-800-220-1181 (TDD/TTY 1-800-695-1788) \u003C/li>\u003Cli>Comenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-819-1918) \u003C/li>\u003Cli>Bread Pay Customers: Visit your Member Portal under “My Account”, email \u003Ca href=\"mailto:support@breadpayments.com\" target=\"_blank\" name=\"support@breadpayments.com\">support@breadpayments.com\u003C/a> or call 1-844-992-7323\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Please note:\u003C/strong> \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If you are a new Comenity Bank or Comenity Capital Bank 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. \u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">However, you can contact us at any time to limit our sharing.\u003C/p>"},"toLimitOurSharingTextBlock":{"title":"To limit our sharing","body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>\u003Cem>Comenity Bank customers:\u003C/em> Call 1-800-220-1181 (TDD/TTY 1-800-695-1788)\u003C/li>\u003Cli>\u003Cem>Comenity Capital Bank customers:\u003C/em> Call 1-877-287-5012 (TDD/TTY 1-888-819-1918)\u003C/li>\u003Cli>\u003Cem>Bread Pay or Loans Customers:\u003C/em> Visit your Member Portal under “My Account”, email \u003Ca href=\"mailto:support@breadpayments.com\" target=\"_blank\" name=\"support@breadpayments.com\">support@breadpayments.com\u003C/a> or call 1-844-992-7323\u003C/li>\u003Cli>\u003Cem>Bread Savings customers:\u003C/em> Call 1-833-755-4354; dial 7 for a representative. For operator relay assistance, first dial 711\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Please note:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If you are a \u003Cem>new\u003C/em> 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.\u003C/p>"},"what?":{"title":"What?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">The types of personal information we collect and share depend on the product or service you have with us. This information can include: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Social Security number and income \u003C/li>\u003Cli>Account balances and transaction history \u003C/li>\u003Cli>Credit history and credit scores\u003C/li>\u003C/ul>"},"whatHappensWhenILimitSharingForAnAccountIHoldJointlyWithSomeoneElse?":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."},"whatHappensWhenILimitSharingTextBlock":{"title":"What happens when I limit sharing for an account I hold jointly with someone else?","body":"Your choices will apply to everyone on your account."},"whatTextBlock":{"title":"What?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">The types of personal information we collect and share depend on the product or service you have with us. This information can include: \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Social Security number and income \u003C/li>\u003Cli>Account balances and transaction history \u003C/li>\u003Cli>Credit history and credit scores\u003C/li>\u003C/ul>"},"whoIsProvidingThisNotice?":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (dba Bread Financial)."},"whoIsProvidingThisNoticeTextBlock":{"title":"Who is providing this notice?","body":"This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as \"Bread Pay,\" \"Bread Loans,\" and \"Bread Savings\"."},"why?":{"title":"Why?","body":"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."},"whyCan'tILimitAllSharing?":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"},"whyCantILimitAllSharingTextBlock":{"title":"Why can't I limit all sharing?","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Federal law gives you the right to limit only \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>sharing for affiliates' everyday business purposes-information about your creditworthiness \u003C/li>\u003Cli>affiliates from using your information to market to you \u003C/li>\u003Cli>sharing for nonaffiliates to market to you \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\u003C/p>"},"whyTextBlock":{"title":"Why?","body":"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."}},"documentId":"financialpolicy"},"esign":{"bodyText":{"eSignAndElectronicCommunicationsAgreementHeaderText":{"bodyText":"Updated E-Sign and Electronic Communications Agreement"},"esignAgreementForcedPaperlessApplicationSubmitBodyText":{"bodyText":"By “checking” the box and selecting submit, you agree to Paperless Billing and Communications and confirm that your system meets the above requirements giving you the ability to access, download or print communication which includes billing statements sent to you electronically."},"esignAgreementForcedPaperlessNoteYourAccountBodyText":{"bodyText":"Note: Your Bread Cashback® American Express® Credit Card account is issued by Comenity Capital Bank. Review our \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/FinancialPrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Comenity Financial Privacy page.\" name=\"Financial Privacy Policy\">Financial Privacy Policy\u003C/a>\u003C/em> and \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/OnlinePrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Online Privacy Policy page.\" name=\"Online Privacy Policy\">Online Privacy Policy\u003C/a>\u003C/em> for more information. California Residents: Submit a \u003Cem>\u003Ca href=\"https://calprivacy.comenity.com/s/\" aria-label=\"Go to the Comenity Data Request form page.\" name=\"Data Request Form\" target=\"_blank\">Data Request Form\u003C/a>\u003C/em> to make a Do Not Sell or Share My Personal Information request."},"priorToAgreeingEsignAccountAssureBodyText":{"bodyText":"Prior to agreeing to the ${accountAssureName} Terms and Conditions, we request your consent to provide you important information electronically."},"priorToAgreeingEsignBalanceTransferBodyText":{"bodyText":"Prior to agreeing to the Balance Transfer Terms and Conditions, we request your consent to provide you important information electronically."},"priorToAgreeingEsignBpaBodyText":{"bodyText":"Prior to agreeing to the Bill Payment User Agreement, we request your consent to provide you important information electronically"},"priorToAgreeingEsignPurchaseOfferBodyText":{"bodyText":"Prior to agreeing to the Purchase Offer Terms and Conditions, we request your consent to provide you important information electronically."},"esignAgreementApplicationKioskNoticeBodyText":{"bodyText":"If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk."},"esignAgreementApplicationNoteYourAccountBodyText":{"bodyText":"Note: Your Bread Cashback® American Express® Credit Card account is issued by Comenity Capital Bank. Review our \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/FinancialPrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Comenity Financial Privacy page.\" name=\"Financial Privacy Policy\">Financial Privacy Policy\u003C/a>\u003C/em> and \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/privacy/OnlinePrivacy.xhtml\" target=\"_blank\" aria-label=\"Go to the Online Privacy Policy page.\" name=\"Online Privacy Policy\">Online Privacy Policy\u003C/a>\u003C/em> for more information. California Residents: Submit a \u003Cem>\u003Ca href=\"https://calprivacy.comenity.com/s/\" aria-label=\"Go to the Comenity Data Request form page.\" name=\"Data Request Form\" target=\"_blank\">Data Request Form\u003C/a>\u003C/em> to make a Do Not Sell or Share My Personal Information request."}},"textBlocks":{"esignAgreementApplication":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Prior to applying for a(n) [client.legalDocumentsClientNameAndCard], Comenity Capital Bank requests your consent to provide you important information electronically. \u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your [client.legalDocumentsClientNameAndCard] application in electronic form. These disclosures include, but are not limited to, [card.accountName] Terms and Conditions, the [card.ccaTitle] and Customer Privacy Statement. \u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at [client.legalDocumentsCsPhone] (TDD/TTY: 1-888-819-1918). \u003C/li>\u003Cli>This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center. \u003C/li>\u003Cli>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 [client.legalDocumentsCsPhone] \u003Cspan style=\"font-size: 11.3333px;\">(TDD/TTY: 1-888-819-1918) \u003C/span>to withdraw your consent to receive electronic disclosures. \u003C/li>\u003Cli>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. \u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.\u003C/p>"},"esignDisclosureTextBlock":{"subtitle":"E-Sign and Electronic Communications Agreement","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>Last updated: 4/02/2024\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Confirmation:\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You are agreeing to these terms (“E-Sign Consent”) by checking a box or selecting a button to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Submit an application or accept an offer for a credit card account (\"Account\") from Comenity Bank or Comenity Capital Bank (\"Bank,\" \"we,\" \"us\" or \"our\");\u003C/li>\u003Cli>Register or update your consent to online or mobile services for your Account;\u003C/li>\u003Cli>Use a service provided to you through your Account.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You are also agreeing to using electronic records and signatures generally in your transactions with us.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">This E-Sign Consent includes your certification that you have the hardware, software, and system requirements and the ability to access and retain information provided electronically as detailed in this agreement. Please read this carefully and keep a copy for your future reference.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>You must agree to this E-Sign Consent to access our Account Center portal or mobile application to service your Account, make payments, update your contact information, take advantage of promotional offers, and more. You may opt out of electronic billing statements without revoking your E-Sign Consent. If you opt out of electronic billing statements, you may be charged a paper statement fee.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Covered Communications:\u003C/strong> You have the right to receive certain legal disclosures and communications relating to your Account in writing (\"Covered Communications\"). When you agree to this E-Sign Consent and confirm that you meet the hardware, software, and system requirements, we may provide the Covered Communications to you electronically. Covered Communications include, but are not limited to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Billing statements;\u003C/li>\u003Cli>Applications or solicitations;\u003C/li>\u003Cli>Adverse action notices;\u003C/li>\u003Cli>Agreements governing your Account (including amendments and addenda);\u003C/li>\u003Cli>Electronic fund transfer authorizations;\u003C/li>\u003Cli>Legal disclosures or notices;\u003C/li>\u003Cli>Payment due notices, disputes, and billing inquiry communications;\u003C/li>\u003Cli>Balance transfer, promotional offers, and promotional plan disclosures;\u003C/li>\u003Cli>Annual privacy notices;\u003C/li>\u003Cli>Updates to this E-Sign Consent;\u003C/li>\u003Cli>Any other information of any kind we may provide to you, or that you may sign or submit or agree to at our request, as well as other communication about your Account or any substitute credit card account we may issue to you to replace the Account. \u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Covered Communications also includes required disclosures related to attempts to collect any debt arising from your Account.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We may provide Covered Communications in paper form and we may stop providing such paper communications at our option. Unless you have withdrawn your E-Sign Consent, if we have been providing disclosures required to be in writing in paper form (including billing statements) and we switch to providing them electronically we will give you advanced notice and the right to disagree.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Requesting Paper Copies:\u003C/strong> You have the right to request paper copies of any and all Covered Communications. You may request a paper copy of any Covered Communication by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; \u003C/li>\u003Cli>Sending us a message through Secure Message Center on Account Center; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or listed in Account Center.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Requesting Paper Billing Statements:\u003C/strong> You may elect to receive paper billing statements without withdrawing your E-Sign Consent. This allows you to still access your Account through Account Center or the mobile application. You may continue to pay your bill, accept offers, and use the services provided through Account Center or the mobile application, if you choose. If you choose to receive paper billing statements we may, at our option, send you other Covered Communications in paper as well. A withdrawal of your consent to receive billing statements electronically will be effective only after we have had a reasonable period of time to process your withdrawal.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You may elect to receive billing statements in paper format at any time by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Signing into your Account through Account Center or the mobile application and changing your account preferences to unenroll from paperless.\u003C/li>\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or on your billing statement.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>If you elect to receive paper billing statements, you may be charged a paper statement fee.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Withdrawing E-Sign Consent:\u003C/strong> Your consent shall remain in force until withdrawn in the manner provided in this section. You may withdraw your E-Sign Consent at any time. Withdrawing your consent may delay your transactions with us, will eliminate your ability to use our Account Center portal, Bread Pay Member portal, or mobile application, and eliminate your ability to make electronic payments (including AutoPay) through Account Center, Bread Pay Member portal, and the mobile application. You may withdraw your consent at any time by:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Sending us a message through Secure Message Center on Account Center\u003C/li>\u003Cli>Writing us at: Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003; or\u003C/li>\u003Cli>Calling us at the number on the back of your credit card or on your billing statement.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">A withdrawal of your E-Sign Consent will be effective only after we have had a reasonable period of time to process your withdrawal. \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>If you revoke your E-Sign consent, you may be charged a fee to receive some Covered Communications.\u003C/strong>\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Keep Email Updated:\u003C/strong> You agree to notify us immediately if your email address changes by signing into Account Center, the mobile application, or calling us at the phone number listed on the back of your credit card or on your billing statement. If a Covered Communication comes back to us as undeliverable, we may send you a paper version of that communication but assume no obligation to do so. Your failure to update your email address may result in missed communications which could relate to changes in Account terms, increased fees or other important disclosures and notices.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Hardware, Software, and System Requirements:\u003C/strong> To receive Covered Communications electronically, you must have a valid email address, and have access to:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>A Current Version of Microsoft Edge, Chrome, or Safari;\u003C/li>\u003Cli>A connection to the Internet;\u003C/li>\u003Cli>A Current Version of a program that accurately reads and displays PDF files;\u003C/li>\u003Cli>A device and an operating system capable of supporting all of the above; and\u003C/li>\u003Cli>A printer if you wish to print out and retain records on paper or sufficient electronic storage capacity if you wish to retain records in electronic form.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">By \"Current Version,\" we mean the two most recent versions of the software that is currently being supported by its publisher. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Modification of Terms:\u003C/strong> We may modify the terms of this E-Sign Consent at our discretion. We will provide you with notice of such modification electronically.\u003C/p>"},"esignAgreementForcedPaperlessApplicationListTextBlock":{"body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Communications include, but are not limited to, periodic billing notices, legal and regulatory disclosures including the Credit Card Agreement, Privacy policies and notices, error resolution notices, responses to claims filed in connection with your account, updates to these and other terms, as well as all other communications about your Bread Cashback® American Express® Credit Card.\u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please update it in Account Center or contact us at 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003Cli>At your request, we will provide you with paper copies of these or any other Communications.\u003C/li>\u003Cli>You have the right to withdraw your consent to receive electronic statements and Communications without a fee anytime by:\n\u003Cul>\u003Cli>Signing into Account Center and changing your settings at: My Profile > Account > Paperless Billing; or\u003C/li>\u003Cli>Writing us at: Comenity Bank PO Box 182273 Columbus, OH 43218-2273; or\u003C/li>\u003Cli>Calling us at: 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003C/ul>\u003C/li>\u003C/ul>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.\u003C/li>\u003Cli>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 \u003Cem>\u003Ca href=\"http://get.adobe.com/reader/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"https://get.adobe.com/reader/\" target=\"_blank\">https://get.adobe.com/reader/\u003C/a>\u003C/em>. Visit the \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/security/CommonSecurityQuestions.xhtml\" target=\"_blank\" aria-label=\"Go to the Common Security Questions page.\" name=\"Common Security Questions\">Common Security Questions\u003C/a>\u003C/em> page for additional web browser information. 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.\u003C/li>\u003Cli>If you are browsing this site for informational purposes, you waive any liability for any damages you may incur for relying on the information contained in this site.\u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records.\u003C/li>\u003C/ul>"},"esignAgreementForcedPaperlessApplicationTextBlock":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Prior to applying for a(n) Bread Cashback® American Express® Credit Card, Comenity Capital Bank requests your consent to provide you important information electronically and your acknowledgment that you have the necessary device and software to receive our Communications.\u003C/p>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You understand and agree that Comenity Capital Bank may provide any Communications in electronic form, to the extent allowed by law, rather than send any paper Communications to you.\u003C/p>"},"esignAgreementApplicationListTextBlock":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding your Bread Cashback® American Express® Credit Card application in electronic form. These disclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.\u003C/li>\u003Cli>You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-888-282-5154 (TDD/TTY: 1-888-819-1918).\u003C/li>\u003Cli>This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.\u003C/li>\u003Cli>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 1-888-282-5154 to withdraw your consent to receive electronic disclosures.\u003C/li>\u003Cli>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 \u003Cem>\u003Ca href=\"http://get.adobe.com/reader/\" aria-label=\"Go to the Adobe website where you can download Adobe Reader for free.\" name=\"https://get.adobe.com/reader/\" target=\"_blank\">https://get.adobe.com/reader/\u003C/a>\u003C/em>. Visit the \u003Cem>\u003Ca href=\"http://www.comenity.net/breadcashback/common/security/CommonSecurityQuestions.xhtml\" target=\"_blank\" aria-label=\"Go to the Common Security Questions page.\" name=\"Common Security Questions\">Common Security Questions\u003C/a>\u003C/em> page for additional web browser information. 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.\u003C/li>\u003Cli>We recommend that you retain a copy of these disclosures for your records.\u003C/li>\u003C/ul>"},"esignAgreementApplicationTextBlock":{"title":"Important Information Regarding Electronic Communication","subtitle":"Read this information carefully and keep a copy for your records","body":"Prior to applying for a Bread Cashback® American Express® Credit Card, Comenity Capital Bank requests your consent to provide you important information electronically."},"updatedEsignAgreementDisclosureTextBlock":{"title":"Review the Updated Agreement","body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">We are updating this Agreement in order provide you with a better customer experience. The key changes are:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>We may charge a fee if you choose to receive paper statements. \u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>To avoid potential statement fees, enroll in paperless statements.\u003C/strong>\u003C/li>\u003Cli>Going forward we may make non-material changes to the EECA through electronic notice to you.\u003C/li>\u003Cli>This updated agreement clarifies the types of communications we may send you electronically such as agreements governing your account (including amendments and addenda) and legal disclosures or notices (paperless billing statements require separate enrollment).\u003C/li>\u003Cli>Agreeing to this updated agreement will allow you uninterrupted access to our online Account Center.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">Please scroll through the full agreement for additional details.\u003C/p>"}},"documentId":"esign"},"clientProperties":{"canDownsellCardType":true,"enablePrescreen":false},"patriotAct":{"contentContainer":{"patriotActContentContainer":{"components":{"patriotActAndPreApplicationApplyRequirementsTextBlock":{"body":"\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">To apply you must:\u003C/p>\u003Cul xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cli>Be at the age of majority in your state or territory;\u003C/li>\u003Cli>Have a valid government-issued photo ID;\u003C/li>\u003Cli>Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance Number (SIN);\u003C/li>\u003Cli>Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\u003C/li>\u003C/ul>\u003Cp xmlns=\"http://www.w3.org/1999/xhtml\">You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by Bread Cashback®.\u003C/p>"},"patriotActAndPreApplicationDisclosureVerifyAndRecordIdentifyingInformationTextBlock":{"title":"Important Information about Opening an Account","body":"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents."},"patriotActAndPreApplicationDisclosureStateResidentsDefinitionsTextBlock":{"body":"\u003Cdl xmlns=\"http://www.w3.org/1999/xhtml\">\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>California Residents:\u003C/strong>\u003C/dt>\u003Cdd>If you are married, you may apply for a separate account.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Ohio Residents:\u003C/strong>\u003C/dt>\u003Cdd>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.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>New York, Rhode Island and Vermont Residents:\u003C/strong>\u003C/dt>\u003Cdd>We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.\u003C/dd>\u003Cdt>\u003Cspan xmlns=\"http://www.w3.org/1999/xhtml\" class=\"sr-only\">Important\u003C/span>\u003Cstrong>Wisconsin Residents:\u003C/strong>\u003C/dt>\u003Cdd>No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.\u003C/dd>\u003C/dl>"}},"title":"Please review the Important Information and Terms about opening an account prior to submitting your application."}},"documentId":"patriotAct"}},"ld-account-assure":{"hasLoaded":false,"hasError":false,"document":{"documentId":"","textBlocks":{},"bodyText":{}}},"registration":{"hasLoaded":false,"hasError":false,"document":{"documentId":"","textBlocks":{},"bodyText":{}}},"bpa":{"hasLoaded":false,"hasError":false,"document":{"documentId":"","textBlocks":{},"bodyText":{}},"isEmailSentSuccessFully":null,"isBpaConsentSuccessful":null,"meta":{"code":null,"message":null}},"esign-terms":{"hasLoaded":false,"hasError":false,"document":{"documentId":"","textBlocks":{},"bodyText":{}}}}}</script><script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=1&cb=175090835" async></script></body></html>