Your options are:

• Apply online at www.venue.com
• Apply over the phone at 1-888-55-VENUE

The USA PATRIOT Act requires that we obtain an applicant's social security number for identification purposes prior to opening an account. We also use your social security number to assist in verifying your identity and to receive information from the credit bureau.

While we can process your application without all of the requested data, the omission of information could delay the application process and could affect the decision regarding your application.

Once you complete and submit your application one of two responses will be received.

• You could be approved. In that case, your card would be mailed within two weeks.
• Your application may not be able to be approved immediately upon receipt. If not, then you would see a message explaining your application is under review and you will be contacted by mail within 7-10 working days.

WFCB is not a first time credit grantor. Providing a verifiable credit reference presents proof of established credit. Ensuring that a valid credit reference is used, in addition to an individual's personal information, it also provides additional security when applying for a VENUE Credit Card Account.

We have taken measures to ensure the security of all transactions involving personal information. Utilizing the Entrust Secured site-seal, we require a "secure session" using Secure Socket Layer (SSL) encryption technology for all such transactions. During a secure session, data passed back and forth between your computer and our system is encrypted to prevent a third party from intercepting it. If you would like additional information on Web Security, please refer to our security page or our Questions About Internet Security.

You must have a permanent U.S. residence to apply.

Located within "My Account" you can see:

• Current account status
• Credit Limit
• Balance
• Available Credit
• Minimum Payment Amount and Due Date
• Past Due Amount
• Last Payment Amount and Date Posted
• Detailed statement history

Within your secured access with Login and Password, you can take advantage of the following functions:

• Electronic Payments
• Search for Transactions
• Submit Name or Address Changes
• Request a Credit Limit Increase

It may take up to two business days to complete your online payment. A successful online payment will cause a debit on your checking account and a payment on your VENUE Credit Card account in the time specified when you submitted your payment.

No. We do not currently offer the ability to schedule when a payment can be withdrawn. Once a payment is keyed on our system, it will be withdrawn from your checking account within two business days.

The Bank reserves the right to charge a fee for the On-Line Payment service. Any fee associated with this service will be disclosed to you during the payment transaction.

Currently, we do not automatically generate an e-mail reminder when your payment is due. When there is a balance on your account, you will receive a monthly billing statement that will indicate your balance, minimum payment due, and payment due date.

Currently, we do not offer the ability to schedule regular online payments to be withdrawn from your checking account on a monthly basis.

The WFCB Credit Card Account Agreement is your agreement with us, World Financial Network National Bank (WFCB).

The WFNNB Credit Card Account Agreement covers the use of your Credit Card Account with us. It explains topics such as:

• Definitions
• Your Promise To Us
• Why You Should Sign Your Card?
• Methods Of Payment
• What To Do If Your Card Is Lost Or Stolen
• Skip Payments
• What Is A Credit Limit?
• How To Cancel Your Account
• Our Right To Cancel Your Account
• Payments/Minimum Payments
• Application Of Your Payments
• Statements And Billing Periods
• Fees And Charges
• Immediate Payments
• Attorney Fees And Collection Costs
• Changes To The Credit Card Agreement
• Security Interests
• What Is The Governing Law Concerning Your Account?
• Credit Reports
• Method Of Communication Regarding Your Account
• Telephone Monitoring
• Customer Changes
• Arbitration (If applicable)
• Special Notices

Please refer to the Terms and Conditions document for information concerning your account. Some of the items covered are:

• Annual Percentage Rates
• Grace Periods
• Methods of Computing Balance
• Late Payment Fees
• Information relating to individual states

Benefits are as follows:

• Fast application process
• Makes high-end purchases more affordable
• Revolving credit card (similar to store credit cards)
• Consumer can purchase up to the available credit limit
• Special long term promotions throughout the year
• Low monthly payments
• No annual fee
• Purchases do not tie up other credit cards
• No finance charges apply when the entire account balance is paid in full before the end of each billing cycle

The Venue Card is a revolving credit card similar to other retail store cards that you may have. In addition, our card allows you to finance your purchase today and purchase other products from VENUE anytime in the future.

You will need to call the World Financial Capital Bank toll free number at 866.279.1485 to request a credit limit increase. This toll free number is also located on your bank statement. Please be advised, your request will be considered based on a number of factors determined by World Financial Capital Bank.

No. This card is only for purchases made through Venue

Please refer to your Credit Card Agreement or monthly billing statement for rate information. You can find the current interest rate, in the billing statement and credit card agreement.

The Venue Card is a revolving credit card account. There is no set number of payments. The length of payment is primarily dependent on the total purchase amount, additional purchases and the monthly amount that you choose to pay. You must at least make the minimum monthly payment each month. Your monthly payment on your Venue Card will be $15 or 3% of your balance, whichever is greater. for purchases of $499 or more. Your monthly payment will be $15 or 4% of your balance, whichever is greater, for purchases of less than $499 or if your purchase is not placed on a promotional credit plan.

Yes

• Promotions with payment require a minimum monthly payment of 3% of the outstanding balance or $15, whichever is greater Promotions with payment require a minimum monthly payment of $15 or 3% of your balance, whichever is greater. for purchases of $499 or more. Your monthly payment will be $15 or 4% of your balance, whichever is greater, for purchases of less than $499 or if your purchase is not placed on a promotional credit plan.
• As long as purchases are paid off within specified promotional time period AND customers have made minimum monthly payments when due there will be no finance charges.
• You will receive a monthly billing statement as long as they have a balance and on the statement is the month / day / year in which the promotional purchase must be paid in full to avoid finance charges.
• On the monthly billing statement during the promotional period, the bank will put a message in the body of the statement notifying the cardholder when the promotion is expiring and clarifying what the customer has to do to avoid finance charges on that purchase.

Deferred interest is the finance charges that accumulate on your account during the promotional period of a deferred interest program (e.g., 90 days, 120 days, etc.). If the balance is paid in full by your plan end date, no interest from that purchase will post to your account. However, if the balance is not paid in full by your plan end date, the deferred interest pertaining to that purchase will post to your account.