Exhibit 10.2

SIXTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT
SIXTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”),
dated as of September 22, 2020, among ALLIANCE DATA SYSTEMS CORPORATION, a
Delaware corporation (the “Borrower”), the Guarantors (as defined in the Credit
Agreement referred to below) party hereto, the Banks party hereto (the
“Consenting Banks”), and WELLS FARGO BANK, NATIONAL ASSOCIATION, as
administrative agent (the “Administrative Agent”). Unless otherwise indicated,
all capitalized terms used herein and not otherwise defined herein shall have
the respective meanings provided such terms in the Credit Agreement referred to
below.
W I T N E S S E T H:
WHEREAS, the Borrower, the Guarantors party thereto, the lenders party thereto
from time to time (the “Banks”) and the Administrative Agent have entered into
that certain Amended and Restated Credit Agreement, dated as of June 14, 2017
(as amended, supplemented or otherwise modified prior to the date hereof, the
“Existing Credit Agreement”; the Existing Credit Agreement, as amended by this
Amendment, the “Credit Agreement”);
WHEREAS, the Borrower has requested, and subject to the terms and conditions set
forth herein, the Administrative Agent and the Consenting Banks have agreed to,
certain amendments to the Existing Credit Agreement as more specifically set
forth herein;
NOW, THEREFORE, in consideration of the foregoing and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, it is agreed as follows:
SECTION 1. Amendments to Existing Credit Agreement.  Effective as of the Sixth
Amendment Effective Date (as defined below) and subject to the terms and
conditions set forth herein and in reliance upon the representations and
warranties set forth herein, Sections 5.11, 5.12 and 5.13 of the Existing Credit
Agreement are hereby amended and restated in their entireties as follows:
SECTION 5.11 Total Leverage Ratio.  The Borrower shall not permit its Total
Leverage Ratio for any period of four consecutive fiscal quarters, as determined
for such four quarter period ending on the last day of any fiscal quarter, to
exceed the applicable ratio set forth below for the applicable period ending on
the date set forth below:
Periods Ending
Maximum Total Leverage Ratio
September 30, 2020 and December 31, 2020
3.50 to 1.00
March 31, 2021 through and including December 31, 2021
4.50 to 1.00
March 31, 2022 and June 30, 2022
4.00 to 1.00
September 30, 2022 and thereafter
3.50 to 1.00

SECTION 5.12 Interest Coverage Ratio.  The Borrower will not permit its Interest
Coverage Ratio for any period of four consecutive fiscal quarters, as determined
for such four quarter period ending on the last day of any fiscal quarter, to be
less than the applicable ratio set forth below for the applicable period ending
on the date set forth below:

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Periods Ending
Minimum Interest Coverage Ratio
September 30, 2020 and December 31, 2020
4.50 to 1.00
March 31, 2021 through and including December 31, 2021
4.00 to 1.00
March 31, 2022 and June 30, 2022
4.25 to 1.00
September 30, 2022 and thereafter
4.50 to 1.00

SECTION 5.13 Delinquency Ratio.  The Borrower shall not permit the average of
the Delinquency Ratios for Comenity Bank for the most recently ended three
consecutive calendar months ending on the last day of any fiscal quarter to
exceed the applicable ratio set forth below for the applicable period ending on
the date set forth below:
Periods Ending
Maximum Delinquency Ratio
September 30, 2020 and December 31, 2020
4.50%
March 31, 2021 through and including December 31, 2021
6.50%
March 31, 2022 and June 30, 2022
5.50%
September 30, 2022 and thereafter
4.50%

SECTION 2. Prepayment of Term Loans.  In connection with this Amendment, the
Borrower has notified the Administrative Agent and the Consenting Banks that the
Borrower intends to consummate an issuance of senior unsecured notes with an
aggregate principal face amount of not less than $500,000,000 (the “Senior Note
Issuance”) and use all or a portion of the net cash proceeds from the Senior
Note Issuance to optionally prepay Term Loans.  Such prepayment shall be applied
to reduce the scheduled installments of the Term Loans required pursuant to
Section 2.5(b) of the Credit Agreement (i) first, to the quarterly installments
payable on the last Business Day of each of September 2020 and December 2020,
and (ii) second, to the bullet payment of the Term Loans due on the Maturity
Date (without any reduction to any of the other scheduled installments of the
Term Loans required pursuant to Section 2.5(b) of the Credit Agreement).  The
Consenting Banks hereby (i) waive the requirements set forth in Section 2.10(a)
of the Credit Agreement with respect to any prior notice or dollar multiples of
any voluntary prepayment pursuant to this Section 2 and (ii) solely as to each
such Consenting Bank, waive the requirements set forth in Section 2.13 of the
Credit Agreement with respect to reimbursement for any loss or expense resulting
from such voluntary prepayment occurring on a day other than the last day of an
Interest Period.
SECTION 3. GAAP Methodology.  Effective January 1, 2020, the Borrower adopted
the current expected credit losses methodology (CECL) pursuant to FASB ASU
2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit
Losses on Financial Instruments (the “CECL GAAP Change”).  The Borrower hereby
notifies the Administrative Agent that, effective from and after the Sixth
Amendment Effective Date, for purposes of Section 1.2(b) of the Credit
Agreement, the Borrower does not wish to amend any covenant in Article 5 of the
Credit Agreement or any definition directly or indirectly used therein or in
Appendix I of the Credit Agreement to eliminate the effect of the CECL GAAP
Change on the operation of such covenants, and that the Borrower’s compliance
with such covenants and determinations made pursuant to any such definition or
Appendix I of the Credit Agreement shall be determined on the basis of generally
accepted accounting principles including the CECL GAAP Change.  Notwithstanding
the foregoing, the Borrower, the Consenting Banks and the Administrative Agent
agree that (i) for all fiscal quarters ended prior to January 1, 2020, all
financial results and calculations used in determining compliance with the
covenants in Article 5 of the Credit Agreement or any definition directly or
indirectly used therein or in Appendix I of the Credit Agreement shall be
determined on the basis of
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generally accepted accounting principles not including the CECL GAAP Change, and
(ii) for all fiscal quarters ended after January 1, 2020, all financial results
and calculations used in determining compliance with the covenants in Article 5
of the Credit Agreement or any definition directly or indirectly used therein or
in Appendix I of the Credit Agreement shall be determined on the basis of
generally accepted accounting principles including the CECL GAAP Change.  As a
result, the four full fiscal quarter period ending September 30, 2020, will
include one fiscal quarter (the fiscal quarter ended December 31, 2019) of
financial reporting determined on the basis of generally accepted accounting
principles not including the CECL GAAP Change and three fiscal quarters (the
fiscal quarters ended March 31, June 30 and September 30, 2020) of financial
reporting determined on the basis of generally accepted accounting principles
including the CECL GAAP Change.
SECTION 4. Sixth Amendment Effective Date Conditions.  This Amendment shall
become effective on the date when the following conditions shall have been
satisfied or waived (such date, the “Sixth Amendment Effective Date”):
(a) The Administrative Agent’s receipt of this Amendment, duly executed by an
authorized officer of each signing Credit Party, the Required Banks and the
Administrative Agent.
(b) The fact that immediately prior to and after giving effect to this
Amendment, no Default has occurred and is continuing.
(c) The fact that the representations and warranties of the Credit Parties
contained in the Credit Agreement are true and correct in all material respects
(where not already qualified by materiality, otherwise in all respects)
immediately prior to and after giving effect to this Amendment (other than
representations and warranties that relate to a specific date, which shall be
true and correct in all material respects (where not already qualified by
materiality, otherwise in all respects) as of such specific date).
(d) The Borrower shall have consummated (or shall consummate concurrently with
the Sixth Amendment Effective Date) the Senior Note Issuance and shall have
prepaid (or shall prepay concurrently with the Sixth Amendment Effective Date) a
portion of the outstanding principal amount of the Term Loans, which shall be
applied as specified pursuant to Section 2 above, in an amount equal to (i) if
the aggregate principal face amount of the Senior Notes Issuance is
$500,000,000, then 100% of the aggregate net cash proceeds from the Senior Note
Issuance, (ii) if the aggregate principal face amount of the Senior Notes
Issuance is greater than $500,000,000 but less than or equal to $600,000,000,
then (A) 100% of the aggregate net cash proceeds that would have been received
by the Borrower from a $500,000,000 aggregate principal face amount Senior Note
Issuance and (B) for the avoidance of doubt, 0% of the aggregate net cash
proceeds attributable to that portion of the aggregate principal face amount of
the Senior Note Issuance in excess of $500,000,000, and (iii) if the aggregate
principal face amount of the Senior Notes Issuance is greater than $600,000,000,
then an amount equal to the sum of (A) 100% of the aggregate net cash proceeds
that would have been received by the Borrower from a $500,000,000 aggregate
principal face amount Senior Note Issuance and (B) 85% of the aggregate net cash
proceeds attributable to that portion of the aggregate principal face amount of
the Senior Note Issuance in excess of $600,000,000.  For purposes of this
paragraph, “net cash proceeds” shall be the net cash proceeds from the Senior
Note Issuance after all fees, costs and expenses related to the Senior Note
Issuance and this Amendment.
(e) Payment by the Borrower to the Administrative Agent for the account of each
Consenting Bank of upfront fees previously agreed to between the Borrower and
Wells Fargo Securities, LLC.
(f) Payment of all fees to Wells Fargo Securities, LLC required to be paid in
connection with this Amendment.
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SECTION 5. Acknowledgement and Confirmation.  Each of the Credit Parties party
hereto hereby agrees that with respect to each Credit Document to which it is a
party, after giving effect to this Amendment and the transactions contemplated
hereunder, all of its obligations, liabilities and indebtedness under such
Credit Document, including guarantee obligations, shall, except as set forth
herein or in the Credit Agreement, remain in full force and effect on a
continuous basis.
SECTION 6. Limited Effect.  Except as provided herein, the Existing Credit
Agreement and the other Credit Documents shall remain unmodified and in full
force and effect.  This Amendment shall not be deemed (a) to be a waiver of, or
consent to, or a modification or amendment of, any other term or condition of
the Existing Credit Agreement or any other Credit Document other than as set
forth herein, (b) to prejudice any right or rights that the Administrative Agent
or the Banks may now have or may have in the future under or in connection with
the Existing Credit Agreement or the other Credit Documents or any of the
instruments or agreements referred to therein, as the same may be amended,
restated, supplemented or modified from time to time, other than as set forth
herein, or (c) to be a commitment or any other undertaking or expression of any
willingness to engage in any further discussion with the Borrower, any of its
Subsidiaries or any other Person with respect to any other waiver, amendment,
modification or any other change to the Existing Credit Agreement or the other
Credit Documents or any rights or remedies arising in favor of the Banks or the
Administrative Agent, or any of them, under or with respect to any such
documents.
SECTION 7. Costs and Expenses.  The Borrower hereby reconfirms its obligations
pursuant to Section 10.3(a) of the Credit Agreement to pay and reimburse the
Administrative Agent in accordance with the terms thereof.
SECTION 8. Representations and Warranties. To induce the Administrative Agent
and the Consenting Banks to enter into this Amendment, the Borrower represents
and warrants to the Administrative Agent and the Consenting Banks that:  (a) the
representations and warranties contained in the Credit Agreement are true and
correct in all material respects (where not already qualified by materiality,
otherwise in all respects) on and as of the date hereof immediately after giving
effect to this Amendment with the same effect as though made on the date hereof
(it being understood and agreed that any representation or warranty which by its
terms is made as of a specified date shall be required to be true and correct in
all material respects (where not already qualified by materiality, otherwise in
all respects) only as of such specified date); (b) immediately after giving
effect to this Amendment, no Default or Event of Default exists; (c) this
Amendment has been duly authorized by all necessary corporate proceedings and
duly executed and delivered by the Borrower and each other Credit Party, and the
Credit Agreement, as amended by this Amendment, is the legal, valid and binding
obligation of the Borrower and each other Credit Party, enforceable against the
Borrower and each other Credit Party in accordance with its terms; and (d) no
consent, approval, authorization, order, registration or qualification with any
Governmental Authority is required for, the absence of which would materially
adversely affect, the legal and valid execution and delivery or performance by
the Borrower or any other Credit Party of this Amendment or the performance by
the Borrower or any other Credit Party of the Credit Agreement, as amended by
this Amendment.  Each Guarantor hereby ratifies and reaffirms:  (i) the
validity, legality and enforceability of its obligations under Article 9 of the
Credit Agreement; (ii) that its reaffirmation of such obligations is a material
inducement to the Administrative Agent and the Consenting Banks to enter into
this Amendment; and (iii) that its obligations under Article 9 of the Credit
Agreement shall remain in full force and effect in accordance with its terms
until all the Guaranteed Obligations have been paid in full.
SECTION 9. Reference to and Effect on the Credit Agreement and the Credit
Documents.
(a) On and after the Sixth Amendment Effective Date, each reference in the
Credit Agreement to “this Agreement,” “herein,” “hereto”, “hereof” and
“hereunder” or words of like import referring to the
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Credit Agreement, and each reference in the Notes and each of the other Credit
Documents to “the Credit Agreement”, “thereunder”, “thereof” or words of like
import referring to the Credit Agreement, shall mean and be a reference to the
Credit Agreement, after giving effect to this Amendment.
(b) Except as specifically provided above, the Credit Documents shall remain in
full force and effect and are hereby ratified and confirmed in all respects. 
Except as provided herein, the execution, delivery, and effectiveness of this
Amendment shall not operate as a waiver of any right, power, or remedy of the
Administrative Agent or any Bank under the Credit Agreement or any other Credit
Document, nor constitute a waiver or modification of any provision of the Credit
Agreement or any other Credit Document. This Amendment is a Credit Document and
is subject to the terms and conditions of the Credit Agreement.
SECTION 10. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.
SECTION 11. Counterparts. This Amendment may be signed in any number of
counterparts, each of which shall be an original, with the same effect as if the
signatures thereto and hereto were upon the same instrument. Delivery of an
executed counterpart to this Amendment by facsimile transmission or by
electronic mail in pdf format shall be as effective as delivery of a manually
executed counterpart hereto.
[The remainder of this page is intentionally left blank.]
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IN WITNESS WHEREOF, the parties hereto have caused their duly authorized
officers to execute and deliver this Amendment as of the date first above
written.

ALLIANCE DATA SYSTEMS CORPORATION, as Borrower

By:/s/ J. Jeffrey Chesnut 
Name: J. Jeffrey Chesnut
Title: Senior Vice President and Treasurer

ADS ALLIANCE DATA SYSTEMS, INC., as Guarantor

By:/s/ J. Jeffrey Chesnut 
Name: J. Jeffrey Chesnut
Title: Senior Vice President and Treasurer

ALLIANCE DATA FOREIGN HOLDINGS, INC., as Guarantor

By:/s/ Jeffrey L. Fair 
Name: Jeffrey L. Fair
Title: Vice President, Tax
ADS FOREIGN HOLDINGS, INC., as Guarantor

By:/s/ Jeffrey L. Fair 
Name: Jeffrey L. Fair
Title: Vice President, Tax
COMENITY LLC, as Guarantor

By:/s/ Jeffrey L. Fair 
Name: Jeffrey L. Fair
Title: Vice President, Tax
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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COMENITY SERVICING LLC, as Guarantor

By:/s/ Jeffrey L. Fair 
Name: Jeffrey L. Fair
Title: Vice President, Tax
ALLIANCE DATA INTERNATIONAL LLC, as Guarantor
By: ALLIANCE DATA FOREIGN HOLDINGS, INC., its sole member

By:/s/ Jeffrey L. Fair 
Name: Jeffrey L. Fair
Title: Vice President, Tax
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent and a Bank
By:/s/ Grainne M. Pergolini 
Name: Grainne M. Pergolini
Title: Managing Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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BANK OF AMERICA, N.A. , as a Bank

By:/s/ Molly Daniello 
Name: Molly Daniello
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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MUFG BANK, LTD., as a Bank

By:/s/ Ted Jurgielewicz 
Name: Ted Jurgielewicz
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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JPMORGAN CHASE BANK, N.A., as a Bank

By:/s/ Christine Lathrop 
Name: Christine Lathrop
Title: Executive Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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MIZUHO BANK, LTD., as a Bank

By:/s/ Tracy Rahn 
Name: Tracy Rahn
Title: Executive Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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TRUIST BANK, AS SUCCESSOR BY MERGER TO SUNTRUST BANK, as a Bank

By:/s/ Justin Lien 
Name: Justin Lien
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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FIFTH THIRD BANK, NATIONAL ASSOCIATION, as a Bank

By:/s/ Matthew Lewis 
Name: Matthew Lewis
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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THE BANK OF NOVA SCOTIA, as a Bank

By:/s/ Sunny Yang 
Name: Sunny Yang
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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BNP PARIBAS, as a Bank

By:/s/ Marguerite L. Lebon 
Name: Marguerite L. Lebon
Title: Vice President

By:/s/ Michael Guidice 
Name: Michael Guidice
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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ROYAL BANK OF CANADA, as a Bank

By:/s/ Allan Kortan 
Name: Allan Kortan
Title: Authorized Signatory
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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SUMITOMO MITSUI BANKING CORPORATION, as a Bank

By:/s/ Michael Maguire 
Name: Michael Maguire
Title: Authorized Signatory
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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CITIZENS BANK, NATIONAL ASSOCIATION, as a Bank

By:/s/ Jason Hembree 
Name: Jason Hembree
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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CANADIAN IMPERIAL BANK OF COMMERCE, NEW YORK AGENCY, as a Bank

By:/s/ Dominic Sorresso 
Name: Dominic Sorresso
Title: Authorizd Signatory
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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BANCO BILBAO VIZCAYA ARGENTERIA, S.A. NEW YORK BRANCH, as a Bank

By:/s/ Cara Younger 
Name: Cara Younger
Title: Executive Director

By:/s/ Miriam Trautmann 
Name: Miriam Trautmann
Title: Senior Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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KEYBANK NATIONAL ASSOCIATION, as a Bank

By:/s/ James Cribbett 
Name: James Cribbett
Title: SVP
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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REGIONS BANK, as a Bank

By:/s/ Jason Douglas 
Name: Jason Douglas
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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U.S. BANK NATIONAL ASSOCATION, as a Bank

By:/s/ Marc Ruska 
Name: Marc Ruska
Title: Senior Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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RAYMOND JAMES BANK, N.A., as a Bank

By:/s/ Joseph A. Ciccolini 
Name: Joseph A. Ciccolini
Title: Senior Vice President

Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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DEUTSCHE BANK AG, NEW YORK BRANCH, as a Bank

By:/s/ Annie Chung 
Name: Annie Chung
Title: Director

By:/s/ Ming K Chu 
Name: Ming K Chu
Title: Director

Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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SYNOVUS BANK, as a Bank

By:/s/ Robert Haley 
Name: Robert Haley
Title: Officer
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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THE NORTHERN TRUST COMPANY, as a Bank

By:/s/ Will Hicks 
Name: Will Hicks
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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MORGAN STANLEY SENIOR FUNDING, INC., as a Bank

By:/s/ Christopher Winthrop 
Name: Christopher Winthrop
Title: Authorized Signatory
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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ASSOCIATED BANK, N.A., as a Bank

By:/s/ Dean H. Rosenthals 
Name: Dean H. Rosenthals
Title: SVP
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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THE HUNTINGTON NATIONAL BANK, as a Bank

By:/s/ Dan Swanson 
Name: Dan Swanson
Title: Vice President

Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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CITIBANK, N.A., as a Bank

By:/s/ Marina Donskaya 
Name: Marina Donskaya
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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CADENCE BANK, N.A., as a Bank

By:/s/ Hannah Dempsey 
Name: Hannah Dempsey
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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TAIWAN COOPERATIVE BANK LTD., ACTING THROUGH ITS NEW YORK BRANCH, as a Bank

By:/s/ Li Yin Wang 
Name: Li Yin Wang
Title: Deputy General Manager
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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BANCO DE SABADELL, S.A. – MIAMI BRANCH, as a Bank

By:/s/ Ignacio Alcaraz 
Name: Ignacio Alcaraz
Title: Head of Structured Finance Americas
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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TAIWAN BUSINESS BANK NEW YORK, as a Bank

By:/s/ Kevin Tsai 
Name: Kevin Tsai
Title: Loan Manager
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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FIRST HAWAIIAN BANK, as a Bank

By:/s/ Christopher M. Yasuma 
Name: Christopher M. Yasuma
Title: Vice President
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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CHANG HWA COMMERCIAL BANK, LTD., LOS ANGELES BRANCH, as a Bank

By:/s/ Wan-Chin Chang 
Name: Wan-Chin Chang
Title: V.P. & General Manager
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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VIRTUS SEIX FLOATING RATE HIGH INCOME FUND, as a Lender

By: SEIX INVESTMENT ADVISORS LLC, as Subadvisor

By:/s/ George Goudelias 
Name: George Goudelias
Title: Managing Director

Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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FIRST NATIONAL BANK OF OMAHA, as a Bank

By:/s/ Dale Ervin 
Name: Dale Ervin
Title: Director
Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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MIDFIRST BANK, as a Bank

By:/s/ Tim Daniels 
Name: Tim Daniels
Title: Managing Director

Alliance Data Systems Corporation
Sixth Amendment to Amended and Restated Credit Agreement
Signature Page

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