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Summary of account activity Payment information

Account no. ****-****-****-8160 New balance $1,416.30
Minimum payment due $29.00
Previous balance $1,134.18 Save on Interest PaymentSM $1,416.30
Payments -1,134.18 Payment due date 12/05/2021
Other credits 0.00
Purchases 1,416.30 Late payment warning:
Other debits 0.00 If we do not receive your minimum payment by 12/05/2021 you may
Cash advance 0.00 have to pay up to a $40.00 late fee.
Balance transfer 0.00 Minimum payment warning: If you make only the minimum
Fees charged 0.00 payment for each period, you will pay more in interest and it will take
Interest charged 0.00 you longer to pay off your balances. For example:
New balance $1,416.30
If you make no additional You will pay off And you will
Past due amount 0.00 charges using this card the balance shown end up paying an
Credit limit $18,750.00 and each month you pay: on the statement estimated total
Available credit $17,333.70 in about: of:
Cash credit limit $3,750.00 Only the minimum payment 7 years $2273
Available cash $3,750.00 $50 3 years $1797
Statement closing date 11/09/2021 (savings $476)
Days in billing cycle 30
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/caesarsrewardsvisa or call 1-855-381-5712 (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.

Your Rewards Program

Platinum Tier members enjoy*: The Las Vegas VIP Access Pass Automatic Payments Now
- 15% Spa Discount at includes** Available
participating spas -VIP Line access at participating Set up automatic payments for
- Preferred pricing at participating buffets and restaurants your Caesars Rewards Visa
Caesars Rewards restaurants -VIP Line access for hotel Card, just log onto your account
- Exclusive pre-sale access for check-in at
select shows - Pool access at all Las Vegas comenity.net/caesarsrewardsvis
properties a and click payments to get
started.
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT

10/15/2021 COMCAST CALIFORNIA 800-COMCAST CA 304.26

10/16/2021 SEPHORA.COM 877-SEPHORA CA 660.40
10/17/2021 AT&T MOBILITY EPAY 800-331-0500 TX 73.79
10/19/2021 CCM*SEARS WARRANTY 855-256-2467 FL 69.99
10/20/2021 BT NELDA MUNDY ELEMEN 888-347-1092 GA 62.00
10/22/2021 SHC ONLINE PAYMENT 800-5493720 CA 34.61
10/27/2021 RESERVATIONS CABAZON CA 141.25
11/04/2021 PAYMENT - THANK YOU -1,134.18
11/07/2021 SUPREME PAW SUPPLY 678-538-8933 GA 70.00
NOTICE: See reverse side for important information.
Please tear at perforation above
Account
number ****-****-****-8160
New balance Minimum payment
$1,416.30 $29.00
99 CIT
Mailed payments must reach us by 6pm ET
Yes, I have moved or updated my Amount on 12/05/2021.
e-mail address - see reverse. enclosed:

$ Please make check payable to:

COMENITY - Caesars Rewards Visa

MRS DORIS J AGEE

Please return this portion along with your payment to:
3526 SURRY PL PO BOX 650960
FREMONT CA 94536-3545 DALLAS TX 75265-0960

40408007 00078733 4127770017248160 000002900 000141630

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, OH 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, OH 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:
³ Account Information: Your name and account number
You must contact us within 60 days after the error appeared on your ³ Contact Information: Your address and telephone number
statement. You must notify us of any potential errors in writing. You may
call us, but if you do we are not required to investigate any potential errors
³ Disputed Information: Identify the account information disputed and
explain why you believe it is inaccurate
and you may have to pay the amount in question. ³ Supporting Documentation: If available, provide a copy of the section of
While we investigate whether or not there has been an error, the following the 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
promptly provide the necessary correction to each consumer reporting
continue to charge you interest on that amount. But, if we determine that 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 3PAID IN FULL4. All written communications
³ While you do not have to pay the amount in question, you are responsible regarding disputed amounts that include any check or other payment
for the remainder of your balance. instrument marked with 3payment in full4 or similar language, must be sent
³ We can apply any unpaid amount against your credit limit. to: 3000 Kellway Drive, Suite 120 Carrollton, TX 75006.
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 comenity.net/caesarsrewardsvisa or call
1-855-381-5715 (Caesars Rewards Visa Cards) (TDD/TTY
To use this right, all of the following must be true: 1-800-695-1788).
1. The purchase must have been made in your home state or within 100 TELEPHONE MONITORING. To provide you with high-quality service, phone
miles of your current mailing address, and the purchase price must have communication with us is monitored and/or recorded.
been more than $50. (Note: Neither of these is necessary if your purchase
was based on an advertisement we mailed to you, or if we own the company ADDITIONAL INFORMATION. The following designations, when appearing
that sold you the goods or services.) on the front of your statement, mean the following: V means variable rate
(this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
2. You must have used your credit card for the purchase. Purchases made REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
with cash advances from an ATM or with a check that accesses your credit INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ
card account do not qualify. means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
3. You must not yet have fully paid for the purchase. DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
If all of the criteria above are met and you are still dissatisfied with the PAYMENT. If you have a variable rate account, your periodic rates may vary.
purchase, contact us in writing at: Comenity Bank PO Box 182782, You may pay all of your Account balance at any time without penalty.
Columbus, OH 43218-2782.
Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH
While we investigate, the same rules apply to the disputed amount as 43218-2273.
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay Send all bankruptcy notices and related correspondence to Comenity Bank,
we may report you as delinquent. Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125.
PAYING INTEREST. Your due date is at least 25 days after the close of each NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
billing cycle. We will not charge you interest on purchases if you pay your check as payment, you authorize us either to use information from your
entire balance by the due date each month. We will begin charging interest check to make a one-time electronic fund transfer from your account or to
on balance transfers and cash advances on the transaction date. We will process the payment as a check transaction. When we use information from
begin to charge interest on new purchases made under a Low APR, Equal your check to make an electronic fund transfer, funds may be withdrawn
Payment 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 type of balance on your account using a 3Daily Balance4 to determine
interest charges for each billing period. We figure the interest charge on
your account by applying the periodic rate to the 3daily balance4 of your
account for each day in the billing cycle. To get the 3daily balance4 we
take the beginning balance of your account each day, add any new
purchases, and fees, and subtract any payments or credits (treating 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 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 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 1-855-381-5712 (Caesars Rewards
Visa Signature Cards) or 1-855-381-5715 (Caesars Rewards Visa Cards) (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 comenity.net/caesarsrewardsvisa.
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 6

Fees
Total fees charged for this period $0.00
Interest charged
Interest charge on purchases $0.00
Interest charge on cash advance $0.00
Interest charge on balance transfer $0.00
Total interest for this period $0.00

2021 totals year to date

Total fees charged in 2021 $204.30
Total interest charged in 2021 $0.00

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 15.9900% (v) 0.00 0.00

Cash advances 25.9900% (v) 0.00 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 Caesars Rewards
Visa credit card account to send you a verification code via text message.

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 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 1-855-381-5712 (TDD/TTY:1-800-695-1788). To learn more about how promotional plans work,
visit comenity.com/financial-education. We2re always happy to help.
Affected by COVID-19? Comenity Bank Offers Support
(CONTINUED)

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Additional important messages - continued

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 1-855-381-5712 (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 Caesars Rewards Visa account
online. You can make payments and view your balance, transactions and statements online. Not yet
registered? Visit comenity.net/caesarsrewardsvisa, enter your Caesars Rewards Visa 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.
*Platinum Tier Status upgrade can take up to 30 days to be processed and reflected in your Caesars
Rewards account. Cardholders spending $5,000 in the current calendar year will maintain Platinum Tier
Status for the following year.
** Must reach spend level requirement of $10,000 in current calendar year. Redemption information will
be mailed within 90 days of reaching spend threshold. VIP ACCESS PASS EXPIRES ONE YEAR FROM
DATE OF VIP ACCESS PASS CARD ISSUANCE. Participating outlets are subject to change. Subject to
availability and blackout dates. Must be 21 or older. Please see a Las Vegas Caesars Rewards Center for
additional details.
***5x earning based on 4X through the use of the Caesars Rewards Credit Card and 1X with the use of
your Caesars Rewards card at the time of purchase at a qualified outlet. A complete list of participating
locations can be found at your nearest Caesars Rewards Center or online at
www.caesars.com/total-rewards/casino-directory.
Must be 21 or older to gamble. (Must be 19 or older in Ontario). Must be 18 or older for pari-mutuel
wagering in Pennsylvania and Indiana. Know When To Stop Before You Start.® Gambling Problem? Call
1-800-522-4700. (IL, PA, NJ or CA: If you or someone you know has a gambling problem, crisis
counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537). AZ:
1-800-NEXT-STEP. LA: 1-877-770-STOP. MO: 1- 888-BETSOFF. IA: 1-800-BETSOFF. IN:
1-800-9WITHIT. MD: Please play responsibly, for help visit mdgamblinghelp.org or call 1-800-GAMBLER.
Ontario: PlaySmart 1-866-531-2600 Ontario Problem Gambling Helpline.)
GO PAPERLESS and manage your account online]
With paperless billing, you receive an email reminder prior to your payment due date. Get started today by
visiting comenity.net/caesarsrewardsvisa
STEP 1: Sign in or register your account. STEP 2: Click Paperless account preference on the home
page.
Protect yourself against mail and phone consumer fraud.
http://about.usps.com/publications/pub281/welcome.htm
For questions regarding your Caesars Rewards® balance, please visit Caesars.com/total-rewards.
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