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Summary of account activity Payment information

Account no. ****-****-****-8499 New balance $263.86
Minimum payment due $29.00
Previous balance $307.55 Payment due date 08/20/2021
Payments -50.00
Other credits 0.00 Late payment warning:
Purchases 0.00 If we do not receive your minimum payment by 08/20/2021 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Fees charged 0.00 Minimum payment warning: If you make only the minimum
Interest charged 6.31 payment for each period, you will pay more in interest and it will take
New balance $263.86 you longer to pay off your balances. For example:
Past due amount 0.00 If you make no additional You will pay off And you will
Credit limit $2,970.00 charges using this card the balance shown end up paying an
Available credit $2,706.14 and each month you pay: on the statement estimated total
Statement closing date 07/25/2021 in about: of:
Days in billing cycle 31 Only the minimum payment 11 months $301
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 lbcard.com or call 1-800-888-4163 (TDD/TTY 1-800-695-1788).
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.

Lane Rewards PLATINUM Status

To shop online, visit Go paperless] Sign up at Go paperless] Sign up at
www.lanebryant.com LBCARD.COM LBCARD.COM
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT

07/04/2021 PAYMENT - THANK YOU -50.00

Fees
Total fees charged for this period $0.00
Interest charged
Interest charge on purchases $6.31
Total interest for this period $6.31

2021 totals year to date

Total fees charged in 2021 $0.00
Total interest charged in 2021 $64.42

NOTICE: See reverse side for important information.

Please tear at perforation above
Account
number ****-****-****-8499
New balance Minimum payment
$263.86 $29.00
99 3
Mailed payments must reach us by 6pm ET
Yes, I have moved or updated my Amount on 08/20/2021.
e-mail address - see reverse. enclosed:

$ Please make check payable to:

COMENITY - LANE BRYANT RETAIL

MARTHA Y AURICH
Please return this portion along with your payment to:
1285 WASHINGTON AVE APT 4A PO BOX 650972
BRONX NY 10456-3432 DALLAS TX 75265-0972

32007018 00013637 6978000071598499 000002900 000026386

Keep this portion for your records. CREDIT REPORTING. We may report information about your account to
What To Do If You Think You Find A Mistake On Your Statement credit bureaus. Late payments, missed payments, or other defaults on your
If you think there is an error on your statement, write to us at: Comenity account may be reflected in your credit report.
Bank PO Box 182782, Columbus, Ohio 43218-2782. NOTICE OF CREDIT REPORT DISPUTES
In your letter, give us the following information: If you believe the account information we reported to a consumer reporting
³ Account information: Your name and account number. agency is inaccurate, you may submit a direct dispute to Comenity Bank PO
³ Dollar amount: The dollar amount of the suspected error. Box 182789, Columbus, Ohio 43218-2789. Your written dispute must
³ Description of Problem: If you think there is an error on your bill, provide sufficient information to identify the account and specify why the
describe what you believe is wrong and why you believe it is a mistake. information is inaccurate:
You must contact us within 60 days after the error appeared on your Account Information: Your name and account number
statement. Contact Information: Your address and telephone number
You must notify us of any potential errors in writing. You may call us, but if Disputed Information: Identify the account information disputed and
you do we are not required to investigate any potential errors and you may explain why you believe it is inaccurate
have to pay the amount in question.
Supporting Documentation: If available, provide a copy of the section of the
While we investigate whether or not there has been an error, the following credit report showing the account information you are disputing
are true:
³ We cannot try to collect the amount in question, or report you as We will investigate the disputed information and report the results to you
delinquent on that amount. within 30 days of receipt of the information needed for our investigation. If
³ The charge in question may remain on your statement, and we may we find that the account information we reported is inaccurate, we will
continue to charge you interest on that amount. But, if we determine that promptly provide the necessary correction to each consumer reporting
agency to which we reported the information.
we made a mistake, you will not have to pay the amount in question or
any interest or other fees related to that amount. PAYMENTS MARKED "PAID IN FULL". All written communications regarding
³ While you do not have to pay the amount in question, you are responsible disputed amounts that include any check or other payment instrument
for the remainder of your balance. marked with 3payment in full4 or similar language, must be sent to: 1010
³ We can apply any unpaid amount against your credit limit. W. Mockingbird Lane, Suite 100, Dallas, TX 75247.
DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases - We may accept payment sent to any other address without losing any of
our rights.
If you are dissatisfied with the goods or services that you have purchased - No payment shall operate as an accord and satisfaction without prior
with your credit card, and you have tried in good faith to correct the written approval.
problem with the merchant, you may have the right not to pay the remaining
amount due on the purchase. CUSTOMER SERVICE: Visit www.lbcard.com or call 1-800-888-4163
(TDD/TTY 1-800-695-1788).
To use this right, all of the following must be true:
TELEPHONE MONITORING.To provide you with high-quality service, phone
1. The purchase must have been made in your home state or within 100 communication with us is monitored and/or recorded.
miles of your current mailing address, and the purchase price must have
been more than $50. (Note: Neither of these is necessary if your purchase ADDITIONAL INFORMATION. The following designations, when appearing
was based on an advertisement we mailed to you, or if we own the company on the front of your statement, mean the following: V means variable rate
that sold you the goods or services.) (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
2. You must have used your credit card for the purchase. Purchases made INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ
with cash advances from an ATM or with a check that accesses your credit means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
card account do not qualify. DEFER INTEREST EQUAL PAYMENT; DF INT LOW PMT means DEFER
3. You must not yet have fully paid for the purchase. INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
PAYMENT. If you have a variable rate account, your periodic rates may vary.
If all of the criteria above are met and you are still dissatisfied with the You may pay all of your Account balance at any time without penalty.
purchase, contact us in writing at: Comenity Bank PO Box 182782,
Columbus, OH 43218-2782 Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus,
Ohio 43218-2273
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our Send all bankruptcy notices and related correspondence to Comenity Bank,
decision. At that point, if we think you owe an amount and you do not pay Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125.
we may report you as delinquent. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after check as payment, you authorize us either to use information from your
the close of each billing cycle. We will not charge you interest on purchases check to make a one-time electronic fund transfer from your account or to
if you pay your entire balance by the due date each month. We will begin to process the payment as a check transaction. When we use information from
charge interest on new purchases made under a Low APR, Equal Payment your check to make an electronic fund transfer, funds may be withdrawn
or Budget Payment Credit Plan from the date of purchase. from your account as soon as the same day we receive your payment, and
you will not receive your check back from your financial institution.
BALANCE COMPUTATION METHOD. We calculate interest separately for
each balance using the method(s) described below. The two letters in
parentheses next to the Balance Subject to Interest Rate column in the
Interest Charge Calculation section on this statement corresponds to the
following:
(DA) We figure the interest charge on this balance by applying the periodic
rate to the 3daily balance4 for each day in the billing period. To get the
3daily balance4 we take the beginning balance each day, add any new
transactions and fees and subtract any payments or credits (treating any net
credit balance as a zero balance). This gives us the daily balance.
(MC) We figure the interest charge on this balance by applying the periodic
rate to the 3average daily balance4 for the billing period. To get the
3average daily balance4 we take the beginning balance each day, add any
new transactions and fees and subtract any payments or credits (treating
any net credit balance as a zero balance). This 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 period. This gives us the 3average
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.
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 1010 W. Mockingbird Lane, Suite 100, Dallas,
TX 75247 and the additional format requirements 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 1-800-888-4163 (TDD/TTY
1-800-695-1788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at www.lbcard.com. In-store: You can
make payments in-store.
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); and In-store: By the time
the store closes at the location you make your payment.
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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 26.9900% (v) 275.23 (DA) 6.31

Purchases 26.9900% (v) 0.00 (DA) 0.00
Additional important messages
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.

Affected by COVID-19? Comenity Bank Offers Support

As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
The support we2re extending to you. If you2re experiencing financial hardship because of COVID-19,
please call 1-800-888-4163 (TDD/TTY: 1-800-695-1788) to discuss how we may be able to help.
Account Center is available 24/7 for you to manage your LANE BRYANT RETAIL account
online. You can make payments and view your balance, transactions and statements online. Not yet
registered? Visit lbcard.com, enter your LANE BRYANT RETAIL 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.
IMPORTANT INFORMATION REGARDING YOUR LANE BRYANT CREDIT CARD ACCOUNT
You can continue to use your Lane Bryant Credit Card for all purchases at open Lane Bryant stores, in
addition to lanebryant.com. For more information please visit https://c.comenity.net/lanebryant
This rewards program is provided by Lane Bryant Brands Opco LLC and its terms may change at any
time. For full Rewards Terms and Conditions, please see
lanebryant.com/help/loyalty-terms-and-conditions, which include eligibility requirements, how points are
calculated and binding dispute resolution provisions. In order to join, you will be required to provide your
phone number and email address to Lane Bryant. Lane Rewards members must be legal residents of any
1 of the 50 United States or D.C. and the age of majority.
Find out how to shop safely online at onguardonline.gov

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