World Financial Capital Bank And Blair Catalog customers targeted by predatory lender, World Financial Capital Bank - owned by Alliance Data Lenexa Kansas

APR will not decrease below 24.8% nor increase above 29.9%.

GRACE PERIOD FOR REPAYMENT OF BALANCES FOR PURCHASES
25 days for Revolving Credit Plans
The term of the promotional period for Promotional Credit Plans (30 days minimum)** Dear Consumer:

Blair Catalog is a good company with many high quality products available, however their affiliation with World Financial Capital Bank, an Alliance Data Company, places you at risk of predatory lending practices especially if you are elderly, disabled and/or low income. Blair offers alternative payment methods such as Visa and Mastercard should you wish to place an order.

AS a former collector who sent a series of three e-mails to Blair Catalog from my workstation to increase awareness of the problems within the bank and those once thought to have been caused by Blair, I was terminated by my employer Alliance Data and recently learned that I will not be eligible for unemployment benefits. I will continue to protect the elderly and disabled citizes to the best of my ability though I have paid a high price for having the courage to make what I thought was an anonymous complaint. As it turned out when I was called into the office on my day off and fired, the company traced the e-mails to my workstation.

Firstly, please read all credit card agreements carefully and completely before you sign and use the account. Your signature and/or use of a credit card usually constitutes acceptance of the terms and conditions of the agreement.

Second, live within your means. Only spend what you can pay off during the grace period to avoid being charged finance charges and possibly late fees in the future.

Third, credit is issued by lenders to those deemed credit worthy, therefore you as a consumer are responsible for exercising self-control should your credit limit exceed your resources...

Fourth, as a collector one usually sees a cross sectional area of the entire population having financial issues, not just a segment of the population which is a strong indication of predatory lending especially when most customers in collections were elderly, disabled or deceased.

PLEASE DO YOURSELF A FAVOR, DO NOT USE THE BLAIR CREDIT CARD ISSUED BY WORLD FINANCIAL CAPITAL BANK WHEN PURCHASING MERCHANDISE FROM BLAIR CATALOG...

For a number of credit card consumers, lending options are widely available. However for individuals with bad credit, the options are few and far between. With this in mind, lenders may take advantage of individuals who have problems repaying debt. These organizations typically target people with tarnished credit, elderly, or low-income individuals. Predatory lending for credit cards companies are becoming rampant thanks to the ease of targeting certain demographics and markets.

Predatory lending is a practice that provides unreasonable rates and fees for bad credit consumers. They offer high interest rates and, often, high fees for each credit that they sell to the borrower. By doing so, the repayment amount becomes too steep - or fees become unusually high for the average cardholder.

For people with tarnished credit scores, careful consideration should be taken for bargain loans". Bargain loans are programs that promise that an individual's tarnished credit isn't a problem. The offers are often labeled as a limited time" offer and consumers are enticed to quickly apply. In many instances, the lenders offer instant approval or even guaranteed approval for their card application.

Interestingly, it's illegal for lenders to require payment of fees before a loan is actualized. If this happens, the borrower should immediately report this to the proper agencies. There are plenty of scam operations that charge a huge fee and then not offer the loan to the applicant.

Before applying for such a loan, the applicant should check to see the terms of the credit card before signing the dotting line. One should verify that the terms of agreement is the same as what was discussed with a sale representative.

Individuals with bad credit should try to determine if the lender is a trustworthy company. One can simply ask for references from the lender, or contact the Better Business Bureau for any complaints. Sometimes information about the lender can be found by a simple search in a search engine like Google. News or complaints by customers on popular websites such as ripoff.com can raise red flags. There are even forums for credit cards that have opinions and complaints from cardholders.

Card applicants should shop around as well. The consumer should look at the rates and fees for each credit card and assess which one is right. Sometimes customer service is an important factor. Ask for the customer service hours and service quality.

Credit cards can also come in the form of a secured card. In other words, you would need to provide collateral such as cash to get the credit card. For example, a $300 credit card limit will require you to upfront $300. However, if the credit card company requires that the collateral amount should be over the card limit, then it may be best to walk away from the program.

Predatory lenders also take advantage of the grace period. In fact, the lending company could issue the bill with a payment due date of the mail issue date. This means that by the time the recipient receives the bill, the bill will be already past due. The lender now has means to raise the rates and fees.

Consumers need to be aware of Credit Card companies that are involved in predatory practices, especially consumers with bad credit. As more of these practices become apparent, consumers now have the means to arm themselves from such lenders...

Credit Buyer Beware
If you are having difficulty paying your bill by the due date, dont ask for WFCB to change it - the date is set by zip code.

If you are late paying your bill, you will be called by a collections representative.

Do not sign up for the continuity jewelry program unless you want to be billed for a shipment every month. You can cancel - but from what customers have told me this is a lengthy process.

Collectors usually see a cross sectional area of the entire population unless there are predatory lending practices involved that target a certain demographic. In most cases, Blair customers are either elderly, disabled or deceased. It is rare to find one who still has a job.

If you do not like the terms and conditions - Don't apply for credit. If you are short on funds but need clothes, shop at a thrift store.

No one likes Sunday calls - but if you don't pay your bill, you deserve them. The FDCPA provides that you may be called anytime between the hours of 8AM and 9PM (your local time - any day of the year including Sundays and holidays) for the purpose of collecting a debt.

Do not ignore your billing statements - Just because you have returned an item to Blair does not mean the bank will credit your account within the same billing cycle.

If you are mentally disabled, please have someone else shop for you.

If you are elderly and living on a limited income - remember everyone has limits to their income. Most collectors earn $25,000.00 annually in base salary - therefore dont expect your sob story to carry much weight.

Many times ones financial choices lead to their success or demise. Read the terms and conditions of all credit card agreements before you sign-up.

Blair Catalog is providing a consumer service which you are free to take or leave. No one is forcing you to shop.

Collectors are human too - NO ONE DESERVES TO BE CURSED by a consumer... You owe it YOU pay it... or your credit will be ruined.

Alliance Data owns two banks - World Financial Capital Bank and World Financial Network National Bank - both banks service retail credit card accounts with more than 1 billion dollars in revenue year to date...

If you think the bank is screwing you - think about what you are doing to yourself before you shop with Blair using the WFCB issued credit card. Review the terms and conditions found on the Blair website, available from the bank or enclosed with your credit card. For your convenience, the terms and conditions are listed herein, however a more updated version may exist than the one posted on this website:

READ C A R E F U L L Y - 24.8% interest - $29.00 late fees, finance charges, etc..

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IMPORTANT INFORMATION REGARDING ELECTRONIC COMMUNICATION
READ THIS NOTICE CAREFULLY AND KEEP A COPY FOR YOUR RECORDS
Prior to applying for a Blair Credit Card Account, World Financial Capital Bank ( WFCB ) requests your consent to provide you important information electronically.

You understand and agree that WFCB may provide you with all required application disclosures regarding your Blair Credit Card Account application in electronic form. These disclosures include, but are not limited to, Credit Card Terms and Conditions, the Credit Card Agreement and Customer Privacy Statement.
At your request, we will provide you with paper copies of these disclosures.
In order to receive electronic disclosures and to obtain the best view of these disclosures you will need access to the Internet and Windows 95 or higher - Internet Explorer 5.0 or higher; Netscape Navigator 6.0 or higher; AOL 5.0 or higher; Macintosh Power PC - Internet Explorer 5.0 or higher; Netscape Navigator 6.0 or higher; and the capability to download or print these disclosures. By selecting the 'I CONSENT' button, you confirm that your system meets these requirements and that you have the capability to access and download or print electronic disclosures.
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.
We recommend that you retain a copy of these disclosures for your records
If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.



Important Information About Opening an Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.



IMPORTANT RATE, FEE AND OTHER COST INFORMATION
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
Revolving Credit Plans: 24.8% This rate may vary.

OTHER APRs
Penalty APR: A Fixed APR of 29.90%*

VARIABLE RATE INFORMATION
For Revolving Credit Plans, your APR may vary each Billing Period. The rate is determined by adding 18.25% to the highest Prime Rate" as published in The Wall Street Journal for the calendar month preceding the month in which the Billing Period begins. Your

METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance (including new purchases)

ANNUAL FEES
None

MINIMUM FINANCE CHARGE
$1.00 for any Billing Period in which a Finance Charge of less than $1.00 would otherwise be imposed.

LATE PAYMENT FEE
$15.00 if your Balance is $15.00 to $99.99; $29.00 if your Balance is equal to or greater than $100.00.


* If you fail to pay all or part of your Minimum Payment Due (including the Minimum Payment Due required for Promotional Credit Plan balances) by the Payment Due Date shown on your Statement for two consecutive Billing Periods, we may apply a Penalty APR ('Penalty Rate') to the existing balance of your Account and to all new purchases beginning on the first day of the first Billing Period thereafter.

**The grace period for Promotional Credit Plans applies if you pay the total Promotional Credit Plan balance in full before the end of the promotional period.

CHANGES. We may add, change or delete any of the terms of your Account and the corresponding Credit Card Agreement (including, but not limited to, Annual Percentage Rate and fees), at any time with or without notice, except as may be required by applicable federal and Utah law. If notice is required, it will be mailed to you at least fifteen (15) days prior to the effective date of the change. These additions, changes or deletions of terms will apply to new purchases and to all amounts you already owe us.

The information about the costs of the credit card account described in this application is accurate as of April 1, 2008. This information may have changed after that date. To find out what may have changed, please write us at World Financial Capital Bank (WFCB), PO Box 29239 Shawnee Mission, KS 66201-9239.

IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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.

California Residents: If you are married, you may apply for a separate account. To receive an application, please write to World Financial Capital Bank, PO Box 29239, Shawnee Mission, KS 66201-9239.

New York Residents: A consumer credit report may be ordered in connection with the processing of an application, or subsequently with the update, renewal or extension of credit. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer-reporting agency that furnished the report.

Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with the processing of an application, or subsequently for purposes of review or collection of the account, increasing the credit line on the account, or other legitimate purposes associated with the account.

Wisconsin Residents: 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, World Financial 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.

Customers Receiving Pre-approved Credit Offers: When ordering by phone you may be selected for a pre-approved account offer from WFCB based upon the information in your credit report which satisfied our criteria for creditworthiness. You must respond by the expiration date of the offer. Credit may not be extended if after you respond, (i) we find that you do not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to create a valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) we receive your response to this offer after such offer has expired.

You can choose to stop receiving 'prescreened' offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.
PRESCREEN & OPT-OUT NOTICE: This 'prescreened' offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 97328, Jackson, MS 39288; Equifax, PO Box 740123, Atlanta, GA 30374.


Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.

I am applying to World Financial Capital Bank (WFCB) for, and hereby request, a Blair credit card account for personal, family or household use. I hereby authorize WFCB to investigate my credit record. The information that I have supplied is true and correct. I acknowledge that I am a permanent resident of the United States. 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 Credit Card Agreement. I acknowledge that I will receive a Credit Card Agreement upon approval. I also acknowledge that there is no agreement between WFCB and me until WFCB approves my credit application and accepts the Credit Card Agreement at its office in Utah and that the Credit Card Agreement is deemed to be made in Utah. Cards are issued and credit is extended by WFCB, Salt Lake City, Utah.

PLEASE NOTE:
BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU.
You hereby authorize World Financial Capital Bank ('us' or 'we') to furnish our decision to issue an account to you to Blair. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Blair. 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.


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WORLD FINANCIAL CAPITAL BANK
BLAIR CREDIT CARD AGREEMENT
This is your Agreement with World Financial Capital Bank for customers of Blair Corporation. It covers the use of your credit card account with us. This Agreement may include information about promotional Credit Plans. Any information about such Plans will be included in the form of an insert, attachment, or other written information provided as part of or with this Agreement. Please read this Agreement and keep it for your records.

1. DEFINITIONS. In this Agreement, We," Us," and Our" mean World Financial Capital Bank. You" and Your" mean each person who signs an application for, or otherwise requests, a credit card account with us. Account" means your credit card account with us. Card" means each credit card we issue to you for your Account. Credit Plan" means one or more payment program options that Blair may ask us to offer from time to time. You agree that at any time for any reason we may reissue a Card to you and/or may ask you to return any or all Cards.

2. YOUR PROMISE TO US.
A. You agree to the terms of this Agreement. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a charge slip, or if you use or permit someone else to use the credit provided.
B. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all amounts due under this Agreement.
C. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. If you want to cancel the authorized or permitted use of your Account by another person, you may either write us at the address or call us at the telephone number shown on your Statement. You must obtain, cut in half and return the Card in such authorized users possession to us. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. You agree to pay for all transactions made on your Account by an authorized user whether or not such transactions were in fact duly authorized by you or made for your benefit.
D. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further transactions on your Account, cancel the Cards, and revoke any privileges associated with the Card or your Account.

3. SIGN THE CARD. For your own protection, please sign the Card before using it. Your signature on the Card is not a prerequisite to your obligation to pay amounts incurred on your Account.

4. METHOD OF PAYMENT. You may pay your Account by sending your personal check, payable in U.S. dollars, to the name and address shown on your Statement. Payments are considered received when posted to your Account in Ohio. You must include your payment stub. Do not send cash. If any payment does not conform to these requirements, the payment may not be credited to your Account for up to five days, or may be rejected. Any check marked 'payment in full' or with similar terms must be sent to a separate address specified on your Statement. We can accept such checks or late or partial payments without losing our right to receive the full amount owing on your Account.

5. LOST OR STOLEN CARD. If a Card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a Card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the Card without your permission.

6. CREDIT PLANS. Your Account may consist of a non-promotional Credit Plan and one or more promotional Credit Plans. We may offer different promotional Credit Plans from time to time. If a promotional Credit Plan is offered at the time you open your account, this Agreement will include information about the terms for the Plan (which may include the Daily Periodic Rate, the ANNUAL PERCENTAGE RATE, and/or the minimum payment amount), by use of an insert, attachment, or other written information provided as part of or with this Agreement. Normal late payment charges, returned check charges and all other provisions apply to any promotional Credit Plan unless inconsistent with a particular Credit Plan offering. The promotional Credit Plan period will end and the promotional Credit Plan balance will be transferred to your non-promotional Regular Revolving balance if any of the following occurs:
1. The promotional Credit Plan purchase is not paid in full before the promotional period ends;
2. For any Plan in which payments are required, if you fail to pay, when required, two consecutive Regular Revolving and /or required promotional plan payments;
3. For any Plan in which payments are not required, if you fail to pay, when due, three consecutive Regular Revolving payments and / or required promotional plan payments;
4. You do not comply with the terms of this Agreement. (Please also see the Penalty Rate section of this Agreement for additional terms related to missed payments.)
The types of Credit Plans offered and the particular features (including but not limited to minimum purchase requirements, Minimum Payment, etc.) of such Credit Plans may vary from time to time at our discretion and may include one or more of the following: Regular Revolving or Promotional Credit Plans. The Regular Revolving Credit Plans are your non-promotional purchases using the Card. The Promotional Credit Plans may include: Waive Interest, Payment Required; Waive Interest, Equal Payment; Waive Interest, Defer Payment; Defer Interest and Payment; Defer Interest, Equal Payment; Defer Interest, Payment Required. (Please see section 14 for explanation for how Finance Charges are calculated for each Plan.)

7. SKIP-PAYMENT OPTION. At our sole option, we may allow you to skip making the Minimum Payment on certain Billing Periods. During the skip-payment period Finance Charges will be assessed but no late fee will be imposed. At the end of the skip-payment period, all terms of this Agreement that would have applied, were it not for the skip-payment feature, will automatically resume without notice.

8. CREDIT LIMIT. Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time.

9. HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may cancel your Account at any time. Cut each Card in half and send us the pieces with a letter telling us you want to cancel your Account. This includes each Card you gave to others. You still must pay the full amount you owe us.

10. WE HAVE THE RIGHT TO CANCEL YOUR ACCOUNT. We may cancel your Account at any time for any reason. We also may cancel any of the Credit Plans at any time for any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if we ask. This includes each Card you gave to others. You cannot use a Card after we ask you to return it. You still must pay the full amount you owe us and comply with the terms of this Agreement.

11. PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your Statement. Your Statement will tell you how much your Minimum Payment must be. Your Minimum Payment will consist of one or more of the following Plan Minimum Payment. If your Account balance is less than $10.00, you must pay your Account balance in full.

For the Regular Revolving Credit Plans, the Minimum Payment Due will be the Schedule to Pay amount shown on your Statement, which will be the greater of $10.00 or 5% of the New Balance shown on your Statement (rounded to the nearest $1.00) plus any unpaid Late Fees and Returned Check Fees, and any amounts shown as Past Due on your Statement.

If you have a Promotional Credit Plan (as described above in Section 6) balance that requires a payment, the Minimum Payment Due for the Promotional Credit Plan (except for Waive Interest, Equal Payment and Defer Interest, Equal Payment) will be the greater of $10.00 or 5% of the New Balance shown on your Statement (rounded to the nearest $1.00) and will be added into the Schedule to Pay amount.

The minimum payment for the Waive Interest, Equal Payment and Defer Interest, Equal Payment Credit Plans will be the amount of the purchase divided by the number of months between the date of the purchase and the promotional end date (minimum $10.00) rounded up to the nearest dollar.

12. APPLICATION OF PAYMENTS. You agree that we are authorized to allocate your payments in a way that is most favorable and convenient for us. Depending on how you use your Account, such as when you make payments, the amount of your payments and the types of transactions you make, the particular payment allocation method that we use may result in higher amounts of Finance Charges on your Account.

13. STATEMENTS; BILLING PERIODS. If your Account has a balance, we will send you a Statement at the end of each Billing Period. We send only one Statement for your Account. The Statement will show your: Statement Closing Date, Previous Balance, Payments and Credits, Charges, Finance Charge, Payment Due Date, New Balance and Minimum Payment. Billing Period means the days between the closing date shown on the last Statement we sent you and the closing date on your current Statement. We may change your Billing Period as permitted by law at any time for our own convenience.

14. FINANCE CHARGES.
a. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in any Billing Period in which (i) there is no Previous Balance or (ii) payments received and credits issued by the Payment Due Date, which is 25 days after the Statement Closing Date shown on your last Statement, equal or exceed the Previous Balance. If the New Balance is not satisfied in full by the Payment Due Date shown on your last Statement, there will be a Finance Charge on each purchase from the date of purchase.
b. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment Required; Waive Interest, Equal Payment and Waive Interest, Defer Payment, we will not charge Finance Charges on the purchase if you pay the total amount of the purchase before the end of the promotional period. If you do not pay the total amount of the purchase before the end of the promotional period we will add the amount of the purchase to your Regular Revolving balance and will begin to charge Finance Charges on the purchase from the first day after the promotional period ends. For any Waive Interest Plan that ends due to one of the reasons listed in Section 6, we will add the remaining amount of the plan to your Regular Revolving balance and will begin to charge Finance Charges.
If you make a purchase under a Defer Interest, Payment Required; Defer Interest, Equal Payment or Defer Interest and Payment Credit Plan, we will add the amount of Finance Charges that have accrued from the date of purchase through and including the last day of the promotional period to your Regular Revolving balance if you do not pay the total amount of the purchase before the end of the promotional period. For any Defer Interest Plan that ends due to one of the reasons listed in Section 6, we will add the remaining amount of the plan and the amount of Finance Charges that have accrued from the date of purchase through and including the last day of the promotional period to your Regular Revolving balance (Please also see the Penalty Rate section of this Agreement for additional terms related to missed payments.)
c. We figure Finance Charges on your Account separately for each Credit Plan. For each Billing Period, we use a 'Daily Balance' to figure Finance Charges on your Account. This is how we figure the 'Daily Balance' each day:
i. We start with the beginning balance on your Account each day (including unpaid Finance Charges and fees).
ii. We subtract any payments or credit adjustments and add any new purchases and debit adjustments posted as of that day. This gives us the 'Partial Daily Balance' for the day.
iii. We then multiply the Partial Daily Balance for the day by the Daily Periodic Rate of Finance Charge to obtain the 'Daily Finance Charge' for the day and add it to the day's Partial Daily Balance. This gives us the 'Daily Balance', which will be the beginning balance for the following day. At the end of each Billing Period, we add together each Credit Plan's Daily Finance Charge for each day in the Billing Period to get the total Account Finance Charge for the Billing Period. Your Statement will show an Average Daily Balance, which is the sum of the Daily Balance for each day in the Billing Period divided by the number of days in the Billing Period.
d. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 18.25% to the value of an 'Index,' and dividing by 365 (The corresponding ANNUAL PERCENTAGE RATE will be the Index plus 18.25%). The Index in effect for each Billing Period shall be the highest 'Prime Rate' of interest as published in the 'Money Rates' section of The Wall Street Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward, if necessary, to the nearest .001% ('Index'). The corresponding ANNUAL PERCENTAGE RATE will not decrease below 24.80% nor increase above 29.9%. An increase or decrease in the Annual Percentage Rate will result in a corresponding increase or decrease in the amount of Finance Charge. We will charge you a minimum FINANCE CHARGE of $1.00 for any Billing Period in which a Finance Charge is due.
e. Penalty Rate. If you fail to pay all or part of your Minimum Payment Due (as described in Section 11) by the Payment Due Date shown on your Statement for two consecutive Billing Periods, we may apply a penalty Annual Percentage Rate ('Penalty Rate') to the existing balance of your Account and to all new purchases beginning on the first day of the first Billing Period thereafter. The Daily Periodic Rate of FINANCE CHARGE for the Penalty Rate is 0.08191% (corresponding ANNUAL PERCENTAGE RATE of 29.90%). The Penalty Rate will apply to your Account until such time as any delinquency is cured and your account is kept in a current and satisfactory status for six (6) consecutive billing periods. On the seventh billing period the Penalty Rate will no longer apply and your Account will be subject to the Daily Periodic Rate of Finance Charge and corresponding Annual Percentage Rate as described above in Section 14D.
f. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. As of April 1, 2008, the initial Daily Periodic Rate of FINANCE CHARGE applicable to your Account was 0.06794%, and the corresponding initial ANNUAL PERCENTAGE RATE was 24.8%.

15. OTHER FEES AND CHARGES. You agree to pay (as interest) the following fees and charges:
A. Late Fee. If you do not pay us at least the Minimum Payment Due for each Billing Period or you pay it late, we can add a late fee to your Account. If the Balance shown on your Statement is less than $15.00 we will not charge a late fee to your account. If the Balance shown on your Statement is $15.00 to $99.99 we will charge a late fee of $15.00 to your account. If the Balance shown on your Statement is equal to or greater than $100.00 we will charge a $29.00 late fee to your account. Your payment will be late if we do not receive it by the Payment Due Date shown on your Statement.
B. Returned Check Fee. We can charge you $25.00 each and every time a bank returns any check to us for any reason. Although we may, we do not have to attempt to collect any check more than once.
C. Document Fee. If a copy of any Statement, sales draft or similar document is provided by us at your request (except in connection with billing error inquiries or resolution), we may charge the Account the following fee(s):

Statement copy - $6.00
Sales/Credit Draft copy - $6.00
Check/Money Order copy - $6.00

D. Alternative Payment Method Fee. We may offer alternative payment methods which would allow you to make individual payments to your Account over the telephone or through the internet. If you choose to use one of those payment methods, then we may assess the then current fee that we charge for this service. At present, that fee is up to $15 for each payment made via telephone, but it may change. We will disclose the current fee to you (you may withdraw your request if you do not want to pay the fee) before you authorize any payment(s) through either of these alternative methods.

16. IMMEDIATE PAYMENT. We may tell you to pay the full amount you owe at once if you do not pay at least the Minimum Payment each time you receive a Statement. We will tell you in advance and/or give you an opportunity to cure your default only if applicable law requires us to do so.

17. ATTORNEY FEES AND COLLECTION COSTS. If you do not comply with your obligations under this Agreement, you agree to pay the reasonable attorneys' fees, expenses and court costs we incur in order to collect your Account or protect our rights

18. CHANGE IN TERMS. We can change this agreement at any time, regardless of whether you have access to your account, by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other terms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement. Modifications, additions, or deletions are called Changes" or a Change". We will notify you of any Change if required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not want to accept certain Changes we are making. If you notify us in writing that you do not accept the Changes, your account may be closed (if it is not already closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement. If you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the date stated in the notice, you will be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account.

19. SECURITY INTEREST. You grant us a security interest in all goods that you purchase through the use of the Account now or at any time in the future and in all accessions to and proceeds of such goods. We hereby waive any security interest we may have in your principal dwelling to the extent that it would otherwise secure any obligation arising hereunder.

20. GOVERNING LAW. We make the decision to open an Account from our office in Utah. This Agreement is governed by Utah and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law.

21. TRANSFER OF RIGHTS/ASSIGNMENT. Your rights under this Agreement cannot be transferred by you, by operation of law, or otherwise, but your obligations shall be binding upon your estate or personal representatives. We may transfer or assign your Account and/or this Agreement, or any of our rights under this Agreement, to another person or entity at any time without prior notice to you or your consent.

22. NO WAIVER OF RIGHTS. We can delay enforcing our rights under this Agreement without losing them.

23. SEVERABILITY. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law.

24. CREDIT REPORTS. You hereby authorize us to investigate your credit record. You agree that a credit report may be requested in connection with the processing of an application for credit, and subsequently in connection with any extension of credit, or any request to increase your credit limit, or any renewal or update of your Account, or to take collection action on the Account, or to investigate disputes regarding the Account. If you ask, we will tell you if credit reports were requested, and the name and address of any credit bureaus that provided the reports. You understand that we may report negative information about your Account to the credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. You hereby authorize us to furnish information concerning your Account to credit bureaus and other creditors, as well as to the retailer whose name appears on your Card.

25. DEBT CANCELLATION. Your purchase of Account Assure is optional. Whether or not you purchase Account Assure will not affect your application for credit or the terms of any existing credit agreement you have with World Financial Capital Bank. The monthly fee for Account Assure is based on the outstanding monthly balance on your account each month and will be added to your account. The terms and conditions governing Account Assure will be provided upon enrollment.

26. COMMUNICATION REGARDING ACCOUNT. You authorize us to contact you by telephone regarding your Account. You agree that such telephone calls may be automatically dialed and that a recorded message may be played. You agree that such telephone calls are not unsolicited telephone calls for purposes of any state or federal law.

27. TELEPHONE MONITORING. As part of our continuing effort to maintain a high quality of service to our customers, telephone communications with you may be monitored and recorded. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed. Please inform all persons authorized to use this account, those acting on your behalf, or anyone making payments on this account, of this provision.

28. CUSTOMER CHANGES. You must tell us at once if you change your name, address or employment.

29. ARBITRATION OF DISPUTES. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Card, your application or registration, the relationship that results or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration.

IF EITHER OF YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN A COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDHOLDERS WITH RESPECT TO OTHER CARDS, OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit, and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision.

We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, so long as the claim is pending only in that court and does not exceed $5,000.

Your Card involves interstate commerce, and this provision shall be governed by the Federal Arbitration Act (FAA"). The arbitration shall be conducted through, at the option of whoever files the arbitration claim, JAMS or the National Arbitration Forum (NAF") in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information contact JAMS at www.jamsadr.com, toll-free at 1-800-352-5267 or NAF at www.arb-forum.com, toll-free at 1-800-474-2371. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to World Financial Capital Bank, 3100 Easton Square Place, Columbus, Ohio 43219, Attention: General Counsel. The arbitrator will decide who will ultimately be responsible for paying those fees. In no event will you be required to reimburse us for any arbitration filing, administrative or hearing fees in an amount greater than what your and our combined court costs would have been if the claim had been resolved in a state court with jurisdiction.

Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000.00 any party may appeal the award within thirty (30) days to a three-arbitrator panel which shall review the award de novo. The costs of such an appeal shall be borne by the appealing party regardless of the outcome. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction.

Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, Alliance Data Systems Corporation), predecessors, successors, assigns, as well as the officers, directors, and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Card. This arbitration provision shall survive termination of your Card, as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by use of your Card.

30. CUSTOMER SERVICE. For Blair credit card customer service call toll-free: 1-866-422-4471 (TDD/TTY 1-866-330-0541).

31. USING YOUR CREDIT CARD ACCOUNT. Your Account may be used to make purchases at Blair Home, Blair Men, Blair Woman and Irvine Park store, catalog or website.

NOTICE(S):
FOR WISCONSIN RESIDENTS:
If you are married, please contact us immediately upon receipt of this Agreement at 1-866-422-4471 (TDD/TTY 1-866-330-0541) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you.

FOR BANKRUPTCY NOTIFICATIONS:
All bankruptcy notices and related correspondence to WFCB should be sent to the following address: WFCB, Bankruptcy Department, PO Box 183043 Columbus, OH 43218-3043.

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NOTICE OF REPORTING ERRORS
If you believe the Account information being reported to a consumer reporting agency is inaccurate, you may write to us at the Billing Errors address below. Please specify in your letter the information that you believe is inaccurate.

YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us In Case of Errors or Questions about Your Bill.
If you think your bill (Statement) is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at World Financial Capital Bank, PO Box 182620 Columbus, OH 43218-2620. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

Your name and Account Number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.

Your Rights and Our Responsibilities after We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to any questioned amount. If we didn't make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.
If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct.
Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two limitations on this right:
A. You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and
B. The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

WORLD FINANCIAL CAPITAL BANK
Salt Lake City, UT 84121


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WORLD FINANCIAL CAPITAL BANK
CUSTOMER PRIVACY STATEMENT

The following information applies to credit accounts you may have that are issued by World Financial Capital Bank.

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At World Financial Capital Bank (referred to as we" or us") we are committed to providing you the finest products and the highest level of service. To accomplish this, we gather, use and share certain personal information. This Customer Privacy Statement describes the information we gather, with whom we share it and how and when you may direct us not to share certain information.

1. Our Personal Information Collection Practices.

We collect information about you from the following sources:

Information we receive from you in various ways, including credit applications, registration and other forms or from the Internet, such as address, telephone number, e-mail address, social security number and date of birth;
Information about your transactions with us, our affiliates, retailers or others, such as account balance, payment history and credit account usage;
Information we receive from consumer reporting agencies (also known as credit bureaus), such as your credit score and credit history (credit reports"); and
Information we receive from our affiliates and from third parties, such as household demographics.
2. Our Personal Information Disclosure Practices.

We may disclose all of the information that we collect, as described in paragraph 1 above, subject to applicable law. We may disclose such information whether or not you are a current customer or former customer.

We may disclose information that identifies you, and information about your transactions and experiences with us, to our affiliates. We also may disclose to our affiliates your credit information from applications and credit reports (credit eligibility information"), but disclosure of this credit eligibility information is subject to your right to opt out.

Our affiliates also may use your credit eligibility information from us, and your transactions and experiences with us, to send you marketing solicitations about their products and services, but this marketing use is subject to your right to opt out.

In addition, we may disclose information about you to nonaffiliated third parties, subject to your right to opt out of this disclosure, including:

Financial service providers, such as insurance companies and others;
Non-financial companies, such as retailers (other than the retailer(s) where you may make purchases using your credit account opened by us), direct marketers, publishers and others; and
Others, such as non-profit organizations.
Even if you do decide to opt out of this third-party disclosure, we still may disclose all of the information about you we collect to nonaffiliated third parties as permitted by law, such as responding to government requests, and as described in paragraph 3.

3. Disclosure to Service Providers or Joint Marketers.

We may disclose all of the information about you we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements and to the retailer(s) where you may make purchases using your credit account opened by us.

4. Opt Out Procedures.

You have the right to opt out of the disclosure of certain information as described in this Customer Privacy Statement. Specifically, you may opt out of the following:

Disclosure of your credit eligibility information to our affiliates;
Disclosure of your credit eligibility information, or your transactions and experiences with us, to our affiliates for their use in marketing their products and services to you; and
Disclosure of nonpublic information about you to nonaffiliated third parties (other than as permitted by law or as described in paragraph 3).
If you wish to opt out of all of these disclosures, you may do so by calling us toll-free at 1-877-287-5012 (TDD/TTY 1-888-819-1918).

5. Important Facts about Your Choices.

For joint accounts, an opt out made by one of the joint accountholders will apply to all of the joint accountholders on the same account.
Please allow several weeks for your opt-out request to take effect.
Your election to opt out will remain in effect until revoked by you in writing.
We also will continue to share nonpublic information about you with nonaffiliated third parties as permitted by law and as described in paragraph 3, including sharing your information with the retailer(s) where you may make purchases using your credit account opened by us.
6. Data Security Procedures.

We restrict access to information about you to those persons who need to know that information in connection with providing products or services to you. We maintain physical, electronic and procedural safeguards to guard your information.

7. Changes to this Statement.

We may make changes to this Customer Privacy Statement at any time and will provide you with any notice of such changes as required by law. This statement replaces any other statements about our customer information practices.

8. Compliance with State Laws.

We also will comply with more restrictive state laws to the extent that they apply. For example, if your billing address is in Vermont, we will not disclose information about you to nonaffiliated third parties or your credit eligibility information to our affiliates, other than as required or permitted by law, unless you authorize us to do so.

9. Telephone Monitoring.

As part of our continuing effort to maintain a high quality of service to our customers, telephone communications with you may be monitored and recorded. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed. Please inform all persons authorized to use this account, those acting on your behalf, or anyone making payments on this account, of this provision.

10. Effective Date.

This Customer Privacy Statement is effective as of April 1, 2007 and until changed

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Anonymous
Kansas City, Kansas
U.S.A.