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Summary of account activity Payment information

Account no. ****-****-****-1051 New balance $280.14
Minimum payment due $29.00
Previous balance +$0.00 Save on Interest PaymentSM $280.14
Payments -0.00 Payment due date 10/07/2022
Other credits -70.33
Purchases +345.00 Late payment warning:
If we do not receive your minimum payment by 10/07/2022 you
Other debits +0.00
may have to pay up to a $40.00 late fee.
Fees charged +5.47
Interest charged +0.00 Minimum Payment Warning: If you make only the minimum
New balance +$280.14 payment for each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Past due amount $0.00
If you make no additional You will pay off And you will
Credit limit $1,420.00 charges using this card the balance shown end up paying an
Available credit $1,139.00 and each month you pay: on the statement estimated total
Statement closing date 09/12/2022 in about: of:
Days in billing cycle 31 Only the minimum payment 12 months $323
For information regarding credit counseling services,
call 1-800-284-1706.

Account Questions? Need to make a payment? Want to know how to go paperless?

Visit COMENITY.NET/CATHERINES or call 1-800-995-9450 (TDD/TTY 1-800-695-1788).

Details of your transactions

TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
08/31/2022 RETURN CREDIT -70.33
TEE, TEE, JACKET
08/15/2022 PURCHASE 67.52
TEE, SWTSHIRT
08/15/2022 PURCHASE 83.23
SWTSHIRT, JACKET
08/16/2022 PURCHASE 87.48
TEE, TEE, JACKET, CARD REDEMPTION,
2PC SET
08/26/2022 PURCHASE 106.77
TEE, TEE, JACKET

Fees
09/12/2022 ACCOUNT ASSURE 1-866-810-8683 5.47
TOTAL FEES FOR THIS PERIOD $5.47
Interest charged
Interest Charge on Purchases $0.00

2022 totals year to date

Total fees charged in 2022 $5.47
Total interest charged in 2022 $0.00

1211 JWJ 001 7 10 220912 0 PAGE 1 of 3 1 0 9635 0322 S011

NOTICE: See reverse side for important information.
Please tear at perforation above
Account
****-****-****-1051
number
New balance Minimum payment
$280.14 $29.00

Yes, I have moved or updated my Mailed payments must reach us

e-mail address - see reverse. Amount enclosed: by 6 pm ET on 10/07/2022.

$
Please make check payable to:
TTFDFTFATDFDTDDDAAADDDDDATATFTTDTFDDTTATADAAFTDDDFTDAFTFATFTADAFD COMENITY - CATHERINES

Please return this portion along with your payment to:

PATRICIA K EKLEBERRY
P.O. Box 650972
PO BOX 561
LAKEVIEW OH 43331-0561 Dallas TX 75265-0972
TATDTFADTDFDDTDDAATFFTATFDFDDATDTFDADDFAATDTDAFTTDFDDFADADTTADATD

9635032210 0972 6278000051631051 000002900 000028014

Keep this portion for your records. HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after
the close of each billing cycle. We will not charge you interest on purchases
What To Do If You Think You Find A Mistake On Your Statement if you pay your entire balance by the due date each month. We will begin to
If you think there is an error on your statement, write to us at: Comenity Bank, charge interest on new purchases made under a Low APR, Equal Payment
PO Box 182782, Columbus, OH 43218-2782. or Budget Payment Credit Plan from the date of purchase.
In your letter, give us the following information:
● Account information: Your name and account number. BALANCE COMPUTATION METHOD. We calculate interest separately for
● Dollar amount: The dollar amount of the suspected error. each balance using the method(s) described below. The two letters in
● Description of Problem: If you think there is an error on your bill, parentheses next to the Balance Subject to Interest Rate column in the
describe what you believe is wrong and why you believe it is a Interest Charge Calculation section on this statement corresponds to the
mistake. following:
You must contact us within 60 days after the error appeared on your
statement. You must notify us of any potential errors in writing. You may call (DA) We figure the interest charge on this balance by applying the periodic
us, but if you do we are not required to investigate any potential errors and rate to the "daily balance" for each day in the billing period. To get the "daily
you may have to pay the amount in question. balance" we take the beginning balance each day, add any new transactions
While we investigate whether or not there has been an error, the following and fees and subtract any payments or credits (treating any net credit
are true: balance as a zero balance). This gives us the daily balance.
● We cannot try to collect the amount in question, or report you as
delinquent on that amount. CUSTOMER SERVICE. Visit COMENITY.NET/CATHERINES or call
● The charge in question may remain on your statement, and we may 1-800-995-9450 (TDD/TTY 1-800-695-1788). Send all inquiries to:
continue to charge you interest on that amount. But, if we determine CUSTOMER SERVICE, PO Box 182273, Columbus, OH 43218-2273.
that we made a mistake, you will not have to pay the amount in
question or any interest or other fees related to that amount. TELEPHONE MONITORING. To provide you with high-quality service, phone
● While you do not have to pay the amount in question, you are communication with us is monitored and/or recorded.
responsible for the remainder of your balance. ADDITIONAL INFORMATION. Abbreviations on your statement mean the
● We can apply any unpaid amount against your credit limit. following: (v) means variable rate (this rate may vary); WV INT PAY RQ
means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means
Your Rights If You Are Dissatisfied With Your Credit Card Purchases WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE
If you are dissatisfied with the goods or services that you have purchased INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST,
with your credit card, and you have tried in good faith to correct the problem PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL
with the merchant, you may have the right not to pay the remaining amount PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT
due on the purchase. and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. You may pay
all of your Account balance at any time without penalty.
To use this right, all of the following must be true: NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide
1. The purchase must have been made in your home state or within 100 a check as payment, you authorize us either to use information from your
miles of your current mailing address, and the purchase price must have check to make a one-time electronic fund transfer from your account or to
been more than $50. (Note: Neither of these is necessary if your purchase process the payment as a check transaction.
was based on an advertisement we mailed to you, or if we own the company
that sold you the goods or services.) PAYMENTS. Payments in U.S. dollars received by the applicable due date
2. You must have used your credit card for the purchase. Purchases made and cutoff time will be credited as of the date received. Mailed or overnighted
with cash advances from an ATM or with a check that accesses your credit payments must also meet the requirements below. Otherwise, a payment
card account do not qualify. may not be credited for up to five days or may be rejected.
3. You must not yet have fully paid for the purchase. Mailing or Overnight (cutoff time 6:00 p.m. Eastern Time (ET)):
● Send a personal check, money order, traveler's check or cashier's
If all of the criteria above are met and you are still dissatisfied with the check to the name and address on the payment stub (regular mail) or
purchase, contact us in writing at: Comenity Bank, PO Box 182782, 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 (overnight).
Columbus, OH 43218-2782. ● Include your payment stub, use the return envelope provided with your
statement, write your account number on the check and send one
While we investigate, the same rules apply to the disputed amount as payment with one payment stub.
discussed above. After we finish our investigation, we will tell you our ● Do not staple or clip your payment to the stub, send any
decision. At that point, if we think you owe an amount and you do not pay we correspondence with your payment or send cash or gift certificates.
may report you as delinquent.
Pay By Phone (cutoff time 5:00 p.m. ET): Call us toll free at
CREDIT REPORTING. We may report information about your account to 1-800-995-9450(TDD/TTY 1-800-695-1788).
credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report. Online (cutoff time 5:00 p.m. ET): Visit COMENITY.NET/CATHERINES.

NOTICE OF CREDIT REPORT DISPUTES

If you believe information we reported to a consumer reporting agency is
inaccurate, notify us at Comenity Bank, PO Box 182789, Columbus, OH
43218-2789. Please provide:
● Your name and account number
● Your address and telephone number
● What information you dispute and why you believe it is inaccurate
● If available, a copy of the section of the credit report showing the
information you are disputing

Send all bankruptcy notices and related correspondence to Comenity

Bank, Bankruptcy Department, PO Box 182125, Columbus, OH
43218-2125.

PAYMENTS MARKED "PAID IN FULL". All written communications

regarding disputed amounts that include any check or other payment
instrument marked with "payment in full" or similar language, must be sent to:
3000 Kellway Drive, Suite 120, Carrollton, TX 75006.
DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
- We may accept payment sent to any other address without losing any of our
rights.
 PAGE 3 OF 4

Interest charge calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION
METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card
agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE
Purchases 29.24% (v) 0.00 (DA) 0.00

Additional important messages

Find out how to shop safely online at onguardonline.gov

We noticed you prefer to pay online.

To better serve you, we will no longer include a remittance envelope with billing statements. If you still prefer to receive
one, contact Customer Care and we will include it with future statements.

Save on Interest Payment: To save on non-promotional purchases interest, you must pay the Save on Interest Payment
amount by your billing statement due date.
The Save on Interest Payment amount may or may not be the same as your New Balance amount.
The Save on Interest Payment includes:

- The balance of all non-promotional purchases and cash advances.

- The full remaining balance of deferred interest promotional credit plans expiring in the billing period.
- The required minimum payment amount for any other promotional credit plan or balance transfer.

IMPORTANT INFORMATION ABOUT LATE FEE CREDITS

We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do, we will
charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost the
charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period.