# EDGAR Filing Document

**Accession Number:** 0001282663
**File Stem:** 0001101215-25-000094
**Filing Date:** 2025-6
**Character Count:** 19440
**Document Hash:** 231869b4b70078da535c3d2f80a05765
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001101215-25-000094.hdr.sgml**: 20250603

**ACCESSION NUMBER**: 0001101215-25-000094

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250601

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250603

**DATE AS OF CHANGE**: 20250603

**ABS ASSET CLASS**: Credit card

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WFN CREDIT CO LLC
- **CENTRAL INDEX KEY:** 0001139552
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 311772814
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-60418
- **FILM NUMBER:** 251019726

**BUSINESS ADDRESS:**
- **STREET 1:** 3100 EASTON SQUARE PLACE, #3108
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
- **BUSINESS PHONE:** 614.729.5044

**MAIL ADDRESS:**
- **STREET 1:** 3100 EASTON SQUARE PLACE, #3108
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WORLD FINANCIAL NETWORK CREDIT CARD MASTER NOTE TRUST
- **CENTRAL INDEX KEY:** 0001282663
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 311772814
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-113669
- **FILM NUMBER:** 251019727

**BUSINESS ADDRESS:**
- **STREET 1:** ONE RIGHTER PARKWAY, SUITE 100
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19803
- **BUSINESS PHONE:** 302.529.6140

**MAIL ADDRESS:**
- **STREET 1:** ONE RIGHTER PARKWAY, SUITE 100
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19803
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WORLD FINANCIAL NETWORK CREDIT CARD MASTER TRUST
- **CENTRAL INDEX KEY:** 0001140096
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-60418-01
- **FILM NUMBER:** 251019728

**BUSINESS ADDRESS:**
- **STREET 1:** 3100 EASTON SQUARE PLACE, #3108
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
- **BUSINESS PHONE:** 614.729.5044

**MAIL ADDRESS:**
- **STREET 1:** 3100 EASTON SQUARE PLACE, #3108
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219

---

| | |
|:---|:---|
| **UNITED STATES** | **UNITED STATES** |
| **SECURITIES AND EXCHANGE COMMISSION** | **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** | **Washington, D.C. 20549** |
| **FORM 8-K** | **FORM 8-K** |
| **Current Report Pursuant** | **Current Report Pursuant** |
| **to Section 13 or 15(d) of the** | **to Section 13 or 15(d) of the** |
| **Securities Exchange Act of 1934** | **Securities Exchange Act of 1934** |
| Date of Report (Date of Earliest Event Reported) | Date of Report (Date of Earliest Event Reported) |
| **June 1, 2025** | **June 1, 2025** |
| **World Financial Network Credit Card Master Note Trust**<br>*(Exact Name of Issuing Entity as Specified in its Charter)*<br>**Commission File Numbers of Issuing Entity: 333-208463 and 333-230197-02**<br>**Central Index Key Number of Issuing Entity: 0001282663**<br>**World Financial Network Credit Card Master Trust**<br>*(Exact Name of Issuer of Collateral Certificate as Specified in its Charter)*<br>**Commission File Numbers of Issuer of the Collateral Certificate: 333-208463-02 and 333-230197-01**<br>**Central Index Key Number of Issuer of the Collateral Certificate: 0001140096**<br>**WFN Credit Company, LLC**<br>*(Exact Name of Depositor/Registrant as Specified in its Charter)*<br>**Commission File Numbers of Depositor: 333-208463-01 and 333-230197**<br>**Central Index Key Number of Depositor: 0001139552**<br>**Comenity Bank**<br>*(Exact Name of Sponsor as Specified in its Charter)*<br>**Central Index Key Number of Sponsor: 0001007254** | **World Financial Network Credit Card Master Note Trust**<br>*(Exact Name of Issuing Entity as Specified in its Charter)*<br>**Commission File Numbers of Issuing Entity: 333-208463 and 333-230197-02**<br>**Central Index Key Number of Issuing Entity: 0001282663**<br>**World Financial Network Credit Card Master Trust**<br>*(Exact Name of Issuer of Collateral Certificate as Specified in its Charter)*<br>**Commission File Numbers of Issuer of the Collateral Certificate: 333-208463-02 and 333-230197-01**<br>**Central Index Key Number of Issuer of the Collateral Certificate: 0001140096**<br>**WFN Credit Company, LLC**<br>*(Exact Name of Depositor/Registrant as Specified in its Charter)*<br>**Commission File Numbers of Depositor: 333-208463-01 and 333-230197**<br>**Central Index Key Number of Depositor: 0001139552**<br>**Comenity Bank**<br>*(Exact Name of Sponsor as Specified in its Charter)*<br>**Central Index Key Number of Sponsor: 0001007254** |
| **Delaware** | **Delaware** |
| *(State or Other Jurisdiction of Incorporation of Issuing Entity and Registrant)* | *(State or Other Jurisdiction of Incorporation of Issuing Entity and Registrant)* |
| **31-1772814**<br>*(I.R.S. Employer Identification No. of Registrant)* | **31-1772814**<br>*(I.R.S. Employer Identification No. of Registrant)* |
| **3095 Loyalty Circle, Columbus, Ohio** | **43219** |
| *(Address of Principal Executive Offices of Registrant)* | *(Zip Code)* |
| **(614) 729-5044** | **(614) 729-5044** |
| *(Registrant's Telephone Number, Including Area Code)* | *(Registrant's Telephone Number, Including Area Code)* |

---

------

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| |
|:---|
| **N/A** |
| *(Former Name or Former Address, if Changed Since Last Report)* |
| Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: |
| [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |

---

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| N/A | N/A | N/A |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company [ ]

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

------

**Item 1.01. Entry into a Material Definitive Agreement**

On June 1, 2025, Comenity Bank ("Bank") and Comenity Servicing LLC ("CSERV") entered into the Third Addendum ("Third Addendum") to that certain Sixth Amended and Restated Service Agreement, dated as of January 1, 2025, pursuant to which CSERV provides certain services to Bank (the "Sixth Amended and Restated Service Agreement"), by and between Bank and CSERV, which Sixth Amended and Restated Service Agreement was filed as Exhibit 99.1 of the report on Form 8-K on January 2, 2025. A copy of the Third Addendum is filed with this Form 8-K as Exhibit 99.1.

**Item 9.01. Financial Statements and Exhibits.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits.

---

| | |
|:---|:---|
| **<u>Exhibit No.</u>** | **<u>Document Description</u>** |
| <u>[Exhibit 99.1](exhibit991to6-1x25form8xk.htm)</u> | Third Addendum to Sixth Amended and Restated Service Agreement |

---

------

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

**WFN CREDIT COMPANY, LLC as depositor**

By: <u>/s/ Wai Chung</u>

Name: Wai Chung

Title: Treasurer

Dated: June 3, 2025

## Exhibit 99.1

**Exhibit 99.1**

**THIRD ADDENDUM TO** 

**SIXTH AMENDED AND RESTATED SERVICE AGREEMENT**

This Third Addendum to that certain Sixth Amended and Restated Service Agreement (the "Addendum") effective as of the 1st day of June, 2025 (the "Effective Date"), is entered into by and between Comenity Bank ("Bank"), a Delaware state bank, with its principal place of business at One Righter Parkway, Suite 100, Wilmington, Delaware 19803 and Comenity Servicing LLC ("Servicer"), a Texas limited liability company with its principal place of business at 3095 Loyalty Circle, Columbus, OH 43219.

**<u>RECITALS</u>**

WHEREAS, Bank and Servicer entered into that certain Sixth Amended and Restated Service Agreement as of January 1, 2025, (the "Agreement") to outsource certain services to Servicer; and

WHEREAS, Bank and Servicer desire to modify certain Services and Performance Standards set forth in <u>Appendix A</u> and <u>Appendix B</u> to the Agreement.

NOW, THEREFORE, in consideration of the mutual agreements hereinafter set forth, and for other good and valuable consideration, the receipt and adequacy of which is hereby acknowledged, Bank and Servicer agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **<u>Services.</u>** Bank and Servicer agree to amend the Services set forth in <u>Appendix A</u> to the Agreement, such that certain Services are hereby amended, added, or deleted as set forth in further detail in <u>Exhibit A</u> hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **<u>Performance Standards</u>.** Bank and Servicer agree to amend the Performance Standards set forth in <u>Appendix B</u> to the Agreement, such that certain Performance Standards are hereby amended, added, or deleted as set forth in further detail in <u>Exhibit B</u> hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **<u>Miscellaneous</u>**. Capitalized terms not otherwise defined in this Addendum shall have the meanings assigned to them in the Agreement. Other than as set forth above and in <u>Exhibit A</u> and <u>Exhibit B</u> hereto, the parties agree that the Agreement, as amended by this Addendum, shall continue in full force and effect. The parties may execute this Addendum in one or more counterparts, each of which shall be deemed an original, but all of which shall constitute but one and the same instrument.

Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

------

**IN WITNESS WHEREOF**, the parties have caused this Addendum to be executed by their authorized officers effective as of the date first written above.

**Comenity Bank**

By: <u>/s/ Baron Schlachter</u>

Name: Baron Schlachter

Title: President, Comenity Bank

**Comenity Servicing LLC**

By: <u>/s/ Tammy McConnaughey</u>

Name: Tammy McConnaughey

Title: President

Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

------

**<u>EXHIBIT A</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;<u>Amendments and Additions</u>. Set forth below is an additional Service and revisions to existing Services, all of which shall be incorporated into <u>Appendix A</u> to the Agreement.

**<u>SECTION I: SERVICES APPLICABLE TO ALL COMENITY BANK PRODUCTS</u>**

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| | | |
|:---|:---|:---|
| **Service Category** | **Service Description** | **Amended/**<br>**Added** |
| **Financial Support**  | &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;All services and support deemed reasonable, as compared to similar financial services provided by an internal accounting and finance department, including but not limited to posting of transactions, general ledger support, timely account reconciliation, timely preparation of financials and preparation of budget, forecast & capital stress testing.  | Amended Service Category Name and Amended Service Description |
| **Operational Excellence** | &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Perform continuous improvement studies to increase safety & soundness and lower delivery costs. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Support process monitoring of key operational processes by identifying process breakdowns and track progress of operational improvements. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Support continuous learning of operational effectiveness with a focus on employee education. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Create automation solutions to contribute to continuous audit, compliance and operational efficiency benefits.<br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Create AI solutions to solve practical problems facing the enterprise. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Manage idea generation and prioritization of continuous improvement opportunities through Breadbox. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Provide SLA performance reporting on behalf of Bread Financial and brand partners. | Added |

---

Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

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**<u>SECTION II: SERVICES APPLICABLE TO REVOLVING CREDIT CARDS</u>**

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| | | |
|:---|:---|:---|
| **Service Category** | **Service Description** | **Amended/**<br>**Added** |
| **Lockbox Payment Processing**  | &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Provide secure payment processing for ACH payment types, including, but not limited to Remittance (Check Processing).<br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Include payment exception item processing and deposit of funds into Bank specified account(s). <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Report action taken on returned payments. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Ensure timeliness and accuracy of payment processing/encoding. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Ensure accuracy of daily payment files resulting in credits/posting. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Ensure availability of payment processing systems maintained. | Amended Service Category Name and Amended Service Description |

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Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;<u>Deletions</u>. Set forth below is a Service which shall be deleted from <u>Appendix A</u> to the Agreement.

**<u>SECTION I: SERVICES APPLICABLE TO ALL COMENITY BANK PRODUCTS</u>**

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| | | |
|:---|:---|:---|
| **Service Category** | **Service Description** | **Deleted** |
| **Vendor Management** | &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Complete Vendor Engagement due diligence reviews and assign tier.<br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Complete annual reviews and oversight of vendor engagements as required by policy and procedures. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Report critical and material vendor incidents as defined by policy and procedures. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Support regulatory exams and provide documentation as requested by the Banks. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Responsible for completing FLOD roles and responsibilities as outlined in the Bank Vendor Risk Management Policy. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Timely completion of KRI / RAM, and other vendor metrics. <br>&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Complete RCSA control testing to ensure identified risks are adequately controlled and risk tolerances are maintained throughout the business process. | Deleted |

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Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

------

**<u>EXHIBIT B</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;<u>Amendments and Additions</u>. Set forth below are additional Performance Standards and revisions to existing Performance Standards, all of which shall be incorporated into <u>Appendix B</u> to the Agreement.

**<u>SECTION I: PERFORMANCE STANDARDS APPLICABLE TO ALL COMENITY BANK PRODUCTS</u>**

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| | | | |
|:---|:---|:---|:---|
| **Service Category** | **Performance Standard** | **Measuring Period** | **Amended/<br>Added** |
| **Information Technology Servicing/Outsourcing** | (TCS) 95.5% Ticket Assignment Accuracy Rate. | M | Added |
| **Information Technology Servicing/Outsourcing** | (TCS) 98% Handle Time Less than Fifteen Minutes. | M | Added |
| **Information Technology Servicing/Outsourcing** | No more than 1 Priority 1 incident in production for critical applications per release. | M | Amended |
| **Information Technology Servicing/Outsourcing** | No more than 1 Priority 2 incident in production for critical applications per release. | M | Amended |

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Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;<u>Deletions</u>. Set forth below are Performance Standards which shall be deleted from <u>Appendix B</u> to the Agreement.

**<u>SECTION I: PERFORMANCE STANDARDS APPLICABLE TO ALL COMENITY BANK PRODUCTS</u>**

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| | | | |
|:---|:---|:---|:---|
| **Service Category** | **Performance Standard** | **Measuring Period** | **Deleted** |
| **Accounting Support**  | Process 98% of all check payments within 5 days of receipt; payments must be processed utilizing the date of receipt, unless the delay in crediting does not result in a finance charge or other charge. | M | Deleted |
| **Fraud** | Notify all applicants of action taken within 30 calendar days of receiving a completed deposit fraud evaluation. | M | Deleted |
| **Fraud** | Investigate and resolve any deposit fraud claim within 10 business days. | M | Deleted |
| **Fraud** | Submission of Indemnification/Hold Harmless and RDFI WSUD requests will occur within 10 business days of unauthorized returns or fraud losses. | M | Deleted |
| **Fraud** | Review and decision Transfer Limit Increase Service Events within 2 business days (M-F excluding Federal Holidays). | M | Deleted |

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Third Addendum to

Sixth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank