PAGE 1 OF 4

Summary of account activity Payment information

Account no. ****-****-****-3821 New balance $650.00
Minimum payment due $30.00
Previous balance +$0.00 Save on Interest PaymentSM $30.00
Payments -0.00 Payment due date 06/16/2024
Other credits -0.00
Purchases +650.00 Late payment warning:
If we do not receive your minimum payment by 06/16/2024 you
Other debits +0.00
may have to pay up to a $41.00 late fee.
Fees charged +0.00
Interest charged +0.00 Minimum Payment Warning: If you make only the minimum
New balance +$650.00 payment for each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Past due amount $0.00
If you make no additional You will pay off And you will
Credit limit $700.00 charges using this card the balance shown end up paying an
Available credit $50.00 and each month you pay: on the statement estimated total
Statement closing date 05/22/2024 in about: of:
Days in billing cycle 31 Only the minimum payment 3 years $1,021
For information regarding credit counseling services,
call 1-800-284-1706.

TO AVOID PAYING ACCRUED INTEREST, YOU MUST PAY THE $650.00 BALANCE OF YOUR PROMOTIONAL
PLAN 18 MNTH DF INT PY RQ IN FULL BY 10/31/25. THIS PAYMENT AMOUNT NEEDS TO BE IN ADDITION TO
YOUR MINIMUM PAYMENT DUE. NOTE: IF YOU HAVE AUTOMATIC PAYMENTS, WE'LL SUBTRACT ANY
ONE-TIME PAYMENT AMOUNT FROM YOUR NEXT SCHEDULED AUTOMATIC PAYMENT. THAT MEANS WE'LL
REDUCE OR CANCEL AN AUTOMATIC PAYMENT, DEPENDING ON THE AMOUNT AND TIMING OF YOUR
ONE-TIME PAYMENT.

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

Visit COMENITY.NET/SMILEGENERATION or call 1-877-287-8879 (TDD/TTY 1-888-819-1918).

Visit SmileGeneration.com
Reminder: Now Available: Get CEREC® CAD/CAM, Give Water
Did you know that visiting your dentist You now have the ability to schedule a For more information, or if you would
at least twice a year is critical to next-day payment online for no fee! like to get involved and help build wells
long-term oral health? Securely login to around the world, visit
comenity.net/smilegeneration mycharitywater.org/smilegen

Details of your transactions

TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
04/29/2024 DENTISTS OF BRIGHTON BRIGHTON CO 650.00
PROCEDURES AND SERVICES
18 MNTH DF INT PY RQ

Interest charged
Interest Charge on Purchases $0.00

2024 totals year to date

Total fees charged in 2024 $0.00
Total interest charged in 2024 $0.00

1201 JWJ 001 7 15 240522 0 PAGE 1 of 3 2 0 9637 0393 M040

NOTICE: See reverse side for important information.
Please tear at perforation above
Account
****-****-****-3821
number
New balance Minimum payment
$650.00 $30.00

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

e-mail address - see reverse. Amount enclosed: by 5pm ET on 06/16/2024.

$
Please make check payable to:
DFADTTTAATDTTTFTADAFATTDDFDDDDFDAATTADDTDFDFDTDATFFDFAADDDDTTFTFA COMENITY - SMILE GENERATION FINANCIAL

Please return this portion along with your payment to:

KEVIN WRIGHT
PO Box 650965
795 MIDLAND ST
BRIGHTON CO 80601-1585 Dallas TX 75265-0965
DDDDFADFDADDATATDFFADADADATTTDDFFAFDAATFFTADATDAFFAFDTTFFDDTTAFTF

9637039315 0965 5780979916383821 000003000 000065000

Keep this portion for your records. HOW TO AVOID PAYING INTEREST. Your due date is at least 26 days after
the close of each billing cycle. We will not charge you interest on purchases
What To Do If You Think You Find A Mistake On Your Statement if you pay your entire balance by the due date each month. We will begin to
If you think there is an error on your statement, write to us at: Comenity charge interest on new purchases made under a Low APR, Equal Payment
Capital Bank, PO Box 182620, Columbus, OH 43218-2620. or Budget Payment Credit Plan from the date of purchase.
In your letter, give us the following information:
● Account information: Your name and account number. BALANCE COMPUTATION METHOD. We calculate interest separately for
● Dollar amount: The dollar amount of the suspected error. each balance using the method(s) described below. The two letters in
● Description of Problem: If you think there is an error on your bill, parentheses next to the Balance Subject to Interest Rate column in the
describe what you believe is wrong and why you believe it is a Interest Charge Calculation section on this statement corresponds to the
mistake. following:
You must contact us within 60 days after the error appeared on your
statement. You must notify us of any potential errors in writing. You may call (DA) We figure the interest charge on this balance by applying the periodic
us, but if you do we are not required to investigate any potential errors and rate to the "daily balance" for each day in the billing period. To get the "daily
you may have to pay the amount in question. balance" we take the beginning balance each day, add any new transactions
While we investigate whether or not there has been an error, the following are and fees and subtract any payments or credits (treating any net credit
true: balance as a zero balance). This gives us the daily balance.
● We cannot try to collect the amount in question, or report you as
delinquent on that amount. CUSTOMER SERVICE. Visit COMENITY.NET/SMILEGENERATION or call
● The charge in question may remain on your statement, and we may 1-877-287-8879 (TDD/TTY 1-888-819-1918). Send all inquiries to:
continue to charge you interest on that amount. But, if we determine CUSTOMER SERVICE, PO Box 183003, Columbus, OH 43218-3003.
that we made a mistake, you will not have to pay the amount in
question or any interest or other fees related to that amount. TELEPHONE MONITORING. To provide you with high-quality service, phone
● While you do not have to pay the amount in question, you are communication with us is monitored and/or recorded.
responsible for the remainder of your balance.
● We can apply any unpaid amount against your credit limit. ADDITIONAL INFORMATION. Abbreviations on your statement mean the
following: (v) means variable rate (this rate may vary); WV INT PAY RQ
Your Rights If You Are Dissatisfied With Your Credit Card Purchases means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means
If you are dissatisfied with the goods or services that you have purchased WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE
with your credit card, and you have tried in good faith to correct the problem INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST,
with the merchant, you may have the right not to pay the remaining amount PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL
due on the purchase. PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT
and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. You may pay
To use this right, all of the following must be true: all of your Account balance at any time without penalty.
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide
been more than $50. (Note: Neither of these is necessary if your purchase a check as payment, you authorize us either to use information from your
was based on an advertisement we mailed to you, or if we own the company check to make a one-time electronic fund transfer from your account or to
that sold you the goods or services.) process the payment as a check transaction.
2. You must have used your credit card for the purchase. Purchases made PAYMENTS. Payments in U.S. dollars received by the applicable due date
with cash advances from an ATM or with a check that accesses your credit and cutoff time will be credited as of the date received. Mailed or overnighted
card account do not qualify. payments must also meet the requirements below. Otherwise, a payment
3. You must not yet have fully paid for the purchase. may not be credited for up to five days or may be rejected.
Mailing or Overnight (cutoff time 5:00 p.m. Eastern Time (ET)):
If all of the criteria above are met and you are still dissatisfied with the ● Send a personal check, money order, traveler's check or cashier's
purchase, contact us in writing at: Comenity Capital Bank, PO Box 182620, check to the name and address on the payment stub (regular mail) or
Columbus, OH 43218-2620. 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 (overnight).
● Include your payment stub, use the return envelope provided with your
While we investigate, the same rules apply to the disputed amount as statement, write your account number on the check and send one
discussed above. After we finish our investigation, we will tell you our payment with one payment stub.
decision. At that point, if we think you owe an amount and you do not pay we ● Do not staple or clip your payment to the stub, send any
may report you as delinquent. correspondence with your payment or send cash or gift certificates.

CREDIT REPORTING. We may report information about your account to Pay By Phone (cutoff time 5:00 p.m. ET): Call us toll free at
credit bureaus. Late payments, missed payments, or other defaults on your 1-877-287-8879(TDD/TTY 1-888-819-1918).
account may be reflected in your credit report. Online (cutoff time 5:00 p.m. ET): Visit
COMENITY.NET/SMILEGENERATION.
NOTICE OF CREDIT REPORT DISPUTES
If you believe information we reported to a consumer reporting agency is
inaccurate, notify us at Comenity Capital Bank, PO Box 182120, Columbus,
OH 43218-2120. Please provide:
● Your name and account number
● Your address and telephone number
● What information you dispute and why you believe it is inaccurate
● If available, a copy of the section of the credit report showing the
information you are disputing

Send all bankruptcy notices and related correspondence to Comenity

Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH
43218-3043.

PAYMENTS MARKED "PAID IN FULL". All written communications

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

Interest charge calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION
METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card
agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE
Purchases 32.24% (v) 0.00 (DA) 0.00
18DS=R 2412201 18 MNTH DF INT PY RQ 32.24% (v) 508.37 (DA) 0.00

Details of your plans

ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE INTEREST
N/A N/A NONE 0.00 0.00 0.00 0.00 0.00
18DS=R-24122 You must pay your plan balance of $650.00 in full by 10/31/2025 to avoid paying interest charges at the higher purchase APR noted
01 above.

ORIGINAL ORIGINAL PREVIOUS TOTAL

PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE INTEREST
$650.00 04/29/2024 10/31/2025 0.00 650.00 0.00 650.00 13.91

Additional important messages

How can you prevent ID Theft? Visit idtheft.gov to find out.

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/SMILEGENERATION
STEP 1: Sign in or register your account. STEP 2: Click Paperless account preference on the home page.

Save on Interest Payment: Payment amount designed to avoid interest if paid by the payment due date on page 1.

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 $41.00 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.