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Summary of account activity Payment information

Account no. ****-****-****-1314 New balance $5,851.07
Minimum payment due $158.00
Previous balance $5,626.73 Payment due date 11/10/2021
Payments -150.00
Other credits 0.00 Late payment warning:
Purchases 274.03 If we do not receive your minimum payment by 11/10/2021 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Cash advance 0.00 Minimum payment warning: If you make only the minimum
Balance transfer 0.00 payment for each period, you will pay more in interest and it will take
Fees charged 0.00 you longer to pay off your balances. For example:
Interest charged 100.31
New balance $5,851.07 If you make no additional You will pay off And you will
charges using this card the balance shown end up paying an
Past due amount 0.00 and each month you pay: on the statement estimated total
Credit limit $9,000.00 in about: of:
Available credit $3,148.93 Only the minimum payment 17 years $13985
Cash credit limit $450.00 $218 3 years $7851
Available cash $450.00 (savings $6134)
Statement closing date 10/15/2021
Days in billing cycle 31 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/goodsamrewards or call 1-855-617-8084 (TDD/TTY 1-888-819-1918).
Skip signing in to pay and use Comenity2s EasyPay. It2s safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub below to get started.

Good Sam Rewards

Please make check payable to: Your Good Sam Rewards Login to redeem your
COMENITY - GOOD SAM Good Sam Rewards points at:
REWARDS balance is 19,241 points* comenity.net/
Reminder: Credit card payments goodsamrewards
are not accepted in store.
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT

09/15/2021 FOUR POINTS BY SHERATO FARGO ND 27.38

09/15/2021 FOUR POINTS BY SHERATO FARGO ND 10.95
09/16/2021 FOUR POINTS BY SHERATO FARGO ND 120.42
09/17/2021 FOUR POINTS BY SHERATO FARGO ND 32.05
09/17/2021 FOUR POINTS BY SHERATO FARGO ND 83.23
10/10/2021 PAYMENT - THANK YOU -150.00
Fees
Total fees charged for this period $0.00
Interest charged
Interest charge on purchases $100.31
(CONTINUED)
NOTICE: See reverse side for important information.
Please tear at perforation above
Account
number ****-****-****-1314
New balance Minimum payment
$5,851.07 $158.00
99 3
Mailed payments must reach us by 6pm ET
Yes, I have moved or updated my Amount on 11/10/2021.
e-mail address - see reverse. enclosed:

$ Please make check payable to:

COMENITY - GOOD SAM REWARDS

CORY OLSON
Please return this portion along with your payment to:
6276 N SCHELIN RD PO BOX 650964
CULVER MN 55779-8069 DALLAS TX 75265-0964

42008010 00023813 4323592009321314 000015800 000585107

Keep this portion for your records. Then, we add up all the daily balances for the billing period and divide the
What To Do If You Think You Find A Mistake On Your Statement total by the number of days in the billing period. This gives us the 3average
daily balance."
If you think there is an error on your statement, write to us at: Comenity (MF) We figure the interest charge on this balance by applying the periodic
Capital Bank PO Box 182620, Columbus, OH 43218-2620. In your letter, rate to the 3average daily balance4 for the billing period. To get the
give us the following information: 3average daily balance4 we take the beginning balance each day, add any
³ Account information: Your name and account number. new fees and subtract any payments or credits (treating any net credit
³ Dollar amount: The dollar amount of the suspected error. balance as a zero balance). We do not add in any new transactions. This
³ Description of Problem: If you think there is an error on your bill, gives us the daily balance. Then, we add all the daily balances for the
describe what you believe is wrong and why you believe it is a mistake. billing period together and divide the total by the number of days in the
You must contact us within 60 days after the error appeared on your billing period. This gives us the 3average daily balance.4
statement. You must notify us of any potential errors in writing. You may (DD) We figure the interest charge on this balance by applying the periodic
call us, but if you do we are not required to investigate any potential errors rate to the 3daily balance4 for each day in the billing period. To get the
and you may have to pay the amount in question. While we investigate 3daily balance4 we take the beginning balance each day add any new fees
whether or not there has been an error, the following are true: and subtract any payments or credits (treating any net credit balance as a
³ We cannot try to collect the amount in question, or report you as zero balance). We do not add any new transactions. This gives us the daily
delinquent on that amount. balance.
³ The charge in question may remain on your statement, and we may CREDIT REPORTING We may report information about your account to
continue to charge you interest on that amount. But, if we determine that credit bureaus. Late payments, missed payments, or other defaults on your
we made a mistake, you will not have to pay the amount in question or account may be reflected in your credit report.
any interest or other fees related to that amount.
³ While you do not have to pay the amount in question, you are responsible NOTICE OF CREDIT REPORT DISPUTES If you believe the account
information we reported to a consumer reporting agency is inaccurate, you
for the remainder of your balance. may submit a direct dispute to Comenity Capital Bank PO Box 182120,
³ We can apply any unpaid amount against your credit limit. Columbus, OH 43218-2120. Your written dispute must provide sufficient
Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you information to identify the account and specify why the information is
are dissatisfied with the goods or services that you have purchased with inaccurate:
your credit card, and you have tried in good faith to correct the problem ³ Account Information: Your name and account number
with the merchant, you may have the right not to pay the remaining amount ³ Contact Information: Your address and telephone number
due on the purchase. To use this right, all of the following must be true: ³ Disputed Information: Identify the account information disputed and
1. The purchase must have been made in your home state or within 100 explain why you believe it is inaccurate
miles of your current mailing address, and the purchase price must have ³ Supporting Documentation: If available, provide a copy of the section of
been more than $50. (Note: Neither of these is necessary if your purchase the credit report showing the account information you are disputing
was based on an advertisement we mailed to you, or if we own the company We will investigate the disputed information and report the results to you
that sold you the goods or services.) within 30 days of receipt of the information needed for our investigation. If
2. You must have used your credit card for the purchase. Purchases made we find that the account information we reported is inaccurate, we will
with cash advances from an ATM or with a check that accesses your credit promptly provide the necessary correction to each consumer reporting
card account do not qualify. agency to which we reported the information.
3. You must not yet have fully paid for the purchase. PAYMENTS MARKED "PAID IN FULL". All written communications regarding
disputed amounts that include any check or other payment instrument
If all of the criteria above are met and you are still dissatisfied with the marked with 3payment in full4 or similar language, must be sent to: 3000
purchase, contact us in writing at: Comenity Capital Bank PO Box 182620, Kellway Drive, Suite 120 Carrollton, TX 75006.
Columbus, OH 43218-2620. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
While we investigate, the same rules apply to the disputed amount as - We may accept payment sent to any other address without losing any of
discussed above. After we finish our investigation, we will tell you our our rights.
decision. At that point, if we think you owe an amount and you do not pay - No payment shall operate as an accord and satisfaction without prior
we may report you as delinquent. written approval.
PAYING INTEREST. Your due date is at least 25 days after the close of each CUSTOMER SERVICE. Visit comenity.net/goodsamrewardsvisa or call
1-855-603-5666 for the Good Sam Rewards Visa® Card and
billing cycle. We will not charge you interest on purchases if you pay your
entire balance by the due date each month. We will begin charging interest 1-855-617-8084 for the Good Sam Rewards Visa Signature® Card
(TDD/TTY 1-888-819-1918).
on balance transfers and cash advances on the transaction date. We will
begin to charge interest on new purchases made under a Low APR, Equal TELEPHONE MONITORING. To provide you with high-quality service,
Payment or Budget Payment Credit Plan from the date of purchase. phone communication with us is monitored and/or recorded.
BALANCE COMPUTATION METHOD. We calculate interest separately for ADDITIONAL INFORMATION. The following designations, when appearing
each balance using the method(s) described below. The two letters in on the front of your statement, mean the following: V means variable rate
parentheses next to the Balance Subject to Interest Rate column in the (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
Interest Charge Calculation section on this statement corresponds to the REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
following: INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ
(DA) We figure the interest charge on this balance by applying the periodic means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
rate to the 3daily balance4 for each day in the billing period. To get the DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
3daily balance4 we take the beginning balance each day, add any new INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
transactions and fees and subtract any payments or credits (treating any net PAYMENT. If you have a variable rate account, your periodic rates may vary.
You may pay all of your Account balance at any time without penalty.
credit balance as a zero balance). This gives us the daily balance.
(MA) We figure the interest charge on this balance by applying the periodic Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH
rate to the 3average daily balance4 for the billing period. To get the 43218-3003
3average daily balance4 we take the beginning balance each day, add any Send all bankruptcy notices and related correspondence to Comenity
new transactions and fees and subtract any unpaid interest charges and any Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH
payments or credits (treating any net credit balance as a zero balance). This 43218-3043
gives us the daily balance. Then, we add up all the daily balances for the
billing period and divide the total by the number of days in the billing NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
period. This gives us the 3average daily balance.4 check as payment, you authorize us either to use information from your
check to make a one-time electronic fund transfer from your account or to
(MC) We figure the interest charge on this balance by applying the periodic process the payment as a check transaction. When we use information from
rate to the 3average daily balance4 for the billing period. To get the your check to make an electronic fund transfer, funds may be withdrawn
3average daily balance4 we take the beginning balance each day, add any from your account as soon as the same day we receive your payment, and
new transactions and fees and subtract any payments or credits (treating you will not receive your check back from your financial institution.
any net credit balance as a zero balance). This gives us the daily balance.
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it
may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to
the payment method you select. This card is issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of
Visa U.S.A. Inc.
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, traveler2s check or cashier2s check payable in U.S. dollars, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one
payment stub and do not send any correspondence with your payment. You should overnight a payment to 3000 Kellway Drive, Suite 120 Carrollton, TX
75006 and the additional format requirement are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked "Paid in Full" section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at 1-855-617-8084 (Signature) or
1-855-603-5666 (Platinum) (TDD/TTY 1-888-819-1918) to make a payment by telephone, which may include a fee. Online: You can make a payment
online at comenity.net/goodsamrewardsvisa.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm (ET).
 PAGE 3 OF 4

Details of your transactions - continued

Interest charge on cash advance $0.00
Interest charge on balance transfer $0.00
Total interest for this period $100.31

2021 totals year to date

Total fees charged in 2021 $109.00
Total interest charged in 2021 $768.44

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 prior to 03/31/2021 19.9900% (v) 4,125.19 (DA) 70.03

Purchases 19.9900% (v) 1,783.72 (DA) 30.28
Cash advances 25.9900% (v) 0.00 (DA) 0.00
Additional important messages
Protecting your account from online fraud
If you2re shopping online and are asked to verify your purchase by confirming the last four digits of your
mobile phone number, this is a security step we2ve put in place on your behalf - it is safe to provide this
information. Once you confirm it, we will use the mobile phone number on file with your GOOD SAM
REWARDS credit card account to send you a verification code via text message.

Save on Interest Payment: You can check Account Center 24/7 for up-to-date balance and payment
amounts including any new payments, transactions, fees and daily accruing interest.
You can avoid accruing additional daily interest on non-promotional purchases by paying the Save on
Interest Payment amount by your billing statement due date.
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.
- Interest charges calculated from the last billing date.

Important Reminder: If you make a purchase with this credit card using a promotional plan, the
promotional plan expiration date and payment due date may be different. This means that if you have any
remaining promotional plan balance after the promotional plan expiration date, the balance and any
accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on
or before the plan expiration date shown in the 3Details of your plans4 section of your statement. Please
also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration
date7you2ll see them in the red box on page 1 of your statement. If you have questions, please call us
toll-free at 1-855-617-8084 (TDD/TTY:1-888-819-1918). To learn more about how promotional plans work,
visit comenity.com/financial-education. We2re always happy to help.
Affected by COVID-19? Comenity Capital Bank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
(CONTINUED)

42008010 00023814 4323592009321314 000015800 000585107

 PAGE 4 OF 4

Additional important messages - continued

The support we2re extending to you. If you2re experiencing financial hardship because of COVID-19,
please call 1-855-617-8084 (TDD/TTY: 1-888-819-1918) to discuss how we may be able to help.
Account Center is available 24/7 for you to manage your GOOD SAM REWARDS account
online. You can make payments and view your balance, transactions and statements online. Not yet
registered? Visit Comenity.net/goodsamrewards, enter your GOOD SAM REWARDS credit card account
number and ZIP code, then verify your identity.
We2re looking out for you. We remain focused on the health and well-being of our customers and
associates, and we2ll continue to stay on top of what2s happening during the pandemic so we can best
support you.
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.
The Good Sam Rewards Visa® and Good Sam Rewards Visa Signature® Credit Cards are issued by
Comenity Capital Bank, pursuant to a license from Visa U.S.A. Inc.
The Good Sam Rewards program is provided by Comenity Capital Bank and its terms may discontinue or
change at any time. For full program terms and conditions, visit comenity.net/goodsamrewards. Each
merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus points
will only be awarded if the merchant code for the purchase matches a category eligible for the offer.
Comenity Capital Bank does not have the ability to control assignment of merchant codes.
*This number may not reflect all current earnings due to calculation delays. All earnings not reflected on
this statement will be reflected on your next billing statement. Please view the Points Summary or Reward
Details section at Comenity.net/goodsamrewards to view your complete point earnings balance
information.

Protect yourself against mail and phone consumer fraud.

http://about.usps.com/publications/pub281/welcome.htm
Congratulations] Your credit limit has been increased to $9,000.00. This information is accurate as of the
statement close date on this statement.
Protect yourself against mail and phone consumer fraud.
http://about.usps.com/publications/pub281/welcome.htm