361 San Francisco Street, San Juan, Puerto Rico 00901-1783 (hereinafter referred to as 'Puerto Rico') (Victoria’s Secret, Lone Mountain, Direct, Far West and Puerto Rico collectively hereinafter referred to as “VS”) and COMENITY BANK, a Delaware state bank, with its principal office at One Righter Parkway, Suite 100, Wilmington, DE 19803, (hereinafter referred to as “Bank”). and L Brands Direct Fulfillment, Inc., each a Delaware corporation, with principal offices at Five Limited Parkway, Reynoldsburg, OH 43068, (collectively hereinafter referred to as “Direct”) and Far West Factoring, LLC a Nevada limited liability company, with its principal office at 4441 South Polaris Avenue, Las Vegas, Nevada 89103, (hereinafter referred to as “Far West”), and Puerto Rico Store Operations LLC, a Puerto Rico limited liability company, with Its principal office at. THIS PRIVATE LABEL CREDIT CARD PROGRAM AGREEMENT (this “Agreement”) is made as of this 29 th day of June, 2018 (the “Execution Date”) by and between Victoria’s Secret Stores, LLC, a Delaware limited liability company, with its principal office at Four Limited Parkway, Reynoldsburg, OH 43068, (hereinafter referred to as “Victoria’s Secret”), Lone Mountain Factoring, LLC, a Nevada limited liability company, with its principal office at 4441 South Polaris Avenue, Las Vegas, Nevada 89103 (hereinafter referred to as “Lone Mountain”), L Brands Direct Marketing, Inc. PRIVATE LABEL CREDIT CARD PROGRAM AGREEMENT Remedies for Poor Cardholder Satisfaction Survey Results Remedies for Failure to Meet Service Standards Termination with Cause by VS VS Termination Events Termination with Cause by Bank Bank Termination Events SECTION 8 INDEMNIFICATION CLAIMS AND ACTIONS SECTION 6 REPRESENTATIONS AND WARRANTIES OF BANK SECTION 4 REPRESENTATIONS AND WARRANTIES OF VSĪuthorization, Validity and Non-Contravention Promotion of Program and Card Plan Non-Competition Payment to VS Ownership of Accounts Fees AccountingĪssignment of Title in Charged Back Purchases Relationship Management, Resources and ReportingĬardholder Disputes Regarding Goods and/or ServicesĬardholder Disputes Regarding Violations of Law or Regulation Applications for Credit Under the Plan Billing Statementsĭebt Cancellation Programs and Enhancement Marketing Services

Victorias secret comenity bank