Document:

EX-10.3(a)

 Exhibit 10.3(a) 

[*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential Treatment 

Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 
  

EXECUTION VERSION 

AMENDMENT NO. 2 
 TO

 CO-BRAND CREDIT CARD PROGRAM AGREEMENT BETWEEN COMENITY 

CAPITAL BANK AND BJ’S WHOLESALE CLUB, INC. 

THIS AMENDMENT NO. 2 TO CO-BRAND CREDIT CARD PROGRAM AGREEMENT BETWEEN COMENITY CAPITAL BANK AND
BJ’S WHOLESALE CLUB, INC. (“Amendment No. 2”), is dated January 16, 2015, by and between BJ’S WHOLESALE CLUB, INC, a Delaware corporation having its principal office at 25 Research Drive, Westborough, MA 01581
(“BJ’s” or “Company”), and COMENITY CAPITAL BANK, having its principal offices at 2795 E. Cottonwood Parkway, Suite #100, Salt Lake City, Utah (“Bank”). Capitalized terms not otherwise defined herein shall
have the meanings ascribed to such terms in the Agreement. 
 WHEREAS, Company and Bank are parties to the
Co-Brand Credit Card Program Agreement dated June 5, 2014 (the Agreement); 
 WHEREAS, the
Agreement provides that BJ’s may elect, in its sole and absolute discretion, to have Bank conduct in-club events at mutually agreed upon BJ’s Wholesale Club, Inc. retail club locations to obtain
Credit Card applications; 
 WHEREAS, Bank wishes to conduct a series of such in-club events in
January and February 2015 as well as throughout the calendar year, primarily during new club openings (“Club Events”); 
 WHEREAS,
Company approval of the Club Events and any other Bank in-club events is subject to the implementation by Bank of security measures set forth herein. 

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties agree the following shall apply with regard to
Bank’s participation at Club Events: 
 1. Bank shall, [*] and using its own equipment, conduct Club Events at the Company clubs
designated on Appendix A attached hereto and as may be amended from time to time by the mutual agreement of the parties. At such events, Bank shall provide consumers with information about the Credit Card and the opportunity to apply for the Credit
Card at various dates between from January 1, 2015 through December 31, 2015 in Company clubs designated in Appendix A, which may be amended from time to time upon the mutual agreement of the parties. All of the other features of the
Program and Rewards Program will remain as otherwise provided in the Agreement. 
 2. Section 5.5 of the Agreement, Insurance, shall
apply to Bank during each Club Event, and Bank or its subcontractor, (if subcontractor is conducting Club Event), shall provide and maintain minimum insurance coverage as follows: 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 

	 	(a)	 Worker’s Compensation at statutory limits; 

[*] 
 In addition Bank shall
provide Company with a certificate of insurance completed by its insurance carrier prior to the Club Events certifying that minimum insurance coverage as required above is in effect and, with the exception of workers’ compensation coverage,
listing Company as an additional insured as its interests apply. 
 3. With respect to each Club Event, [*]. For the avoidance of doubt,
Schedule 8.9 constitutes a set of data security requirements that in addition to applying generally for the handling of Confidential Information and Consumer Personal Information, shall apply to the Consumer Personal Information collected by Bank
during Club Events. In addition, Bank agrees that for purposes of the Club Events specifically, [*]. Bank agrees to take all [*] precautions and measures to ensure the security and integrity of the Confidential Information, including Consumer
Personal Information, in their control, and that it is maintained in a safe and secure manner. Bank agrees to cause any of its subcontractors who provide services in connection with the Club Events to comply with the requirements of this
Section 3 as well as all of the terms of the Agreement. 
 4. With regard to Club Events, the following indemnification obligations
shall apply: 
 [*] 
 5.
Effect. Except as set forth in this Amendment No. 2, the Agreement shall remain in full force and effect and each party hereby restates and affirms all of the terms and provisions of the Agreement. If any conflict exists between the
terms and provisions of the Agreement and this Amendment No. 2, the terms and provisions of this Amendment No. 2 will govern and control. 

6. Entire Agreement. The Agreement, as amended, including as amended by this Amendment No. 2, constitutes the entire agreement
between the parties with respect to the subject matter hereof and supersedes all prior understandings with respect thereto. 
 7.
Counterparts. This Amendment No. 2 may be executed in any number of counterparts, each of which shall be deemed an original and all of which when taken together shall constitute one and the same instrument. Delivery of an executed
counterpart signature page by facsimile shall be effective as a manually executed signature page. 
 8. Governing Law. The governing
law provisions of this Amendment No. 2 shall be the same as the governing law of the Program Agreement. 
 IN WITNESS WHEREOF, Bank and Company have
executed and delivered this Amendment No. 2 as of the date first written above. 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 COMENITY CAPITAL BANK 

By: /s/ Ronald J. Ostler 
 Name: Ronald J. Ostler

 Title: President 
 Date: 1/16/15 

BJ’S WHOLESALE CLUB, INC. 
 By: /s/ Robert W.
Eddy 
 Name: Robert W. Eddy 
 Title: EVP, CFO

 Date: 1/16/15 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

Appendix A 
 Company
Club Event List – Calendar 2015 
 (Please complete Appendix A with Date of Club Event, Club # and City where Club is located 

 

					
	Date	  	# Club Number	  	Club City

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 Schedule 8.9 

Data Security 

1.    Security Policy. Bank will establish and maintain a formal, documented, mandated,
Bank-wide information security program, including security policies, standards and procedures (collectively “information security policy”). The information security policy will be communicated to all
Bank personnel, employees, agents, and contractors in a relevant, accessible, and understandable form and will be regularly reviewed and evaluated (but no less frequently than as may be required by applicable law) to ensure its operational
effectiveness, compliance with all applicable laws and regulations, and to address new threats and risks. On request, Bank will provide Company the then current version of the information security policy. Among other things, the information security
policy and Bank’s overarching security program must address the following: 
 a.    Identifying and assessing
reasonably foreseeable internal and external risks to the security, confidentiality, and/or integrity of any electronic, paper or other records containing Company confidential information and evaluating and improving, where necessary, the
effectiveness of the current safeguards for limiting such risks, including but not limited to: (i) ongoing employee (including temporary and contract employee) training; (ii) employee compliance with policies and procedures; and
(iii) means for detecting and preventing security system failures; 
 b.    Address whether and how employees
should be allowed to keep, access and transport records containing confidential information outside of business premises; 

c.    Imposing disciplinary measures for violations of the information security policy; 

d.    Preventing terminated employees from accessing records containing Company confidential information by immediately
terminating their physical and electronic access to those records, including deactivating their passwords and user names; 

e.    Limiting the amount of confidential information, including personal information, collected to that which is
reasonably necessary to accomplish the legitimate purpose for which it is collected; limiting the time such information is retained to that which is reasonably necessary to accomplish such purpose; and limiting access to those persons who are
reasonably required to know such information in order to accomplish such purpose or to comply with state or federal record retention requirements; 

f.    Identifying paper, electronic and other records, computing systems, and removable media (as defined below) used to
store confidential information, to determine which records contain confidential information, except where the information security policy provides for the handling of all records as if they all contained confidential information; 

g.    Reasonable restrictions upon physical access to records containing confidential information, including a written
procedure that sets forth the manner in which physical access to the records is restricted, and storage of the records and data in locked facilities, storage areas or containers; 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 h.    Regular monitoring to ensure compliance with
the information security policy is operating in a manner reasonably calculated to prevent unauthorized access to or unauthorized use of confidential information, and upgrading information safeguards as necessary to limit risks; 

i.    Reviewing the scope of the security measures [*] or whenever there is a material change in business practices that
may reasonably implicate the security or integrity of records containing confidential information; and 

j.    Documenting responsive actions taken in connection with any incident involving a breach of security, and mandatory
post-incident review of events and actions taken, if any, to make changes in business practices relating to protection of confidential information. 

2.    Personnel and Bank Protections. Prior to commencement of services, Bank shall have performed a criminal
background check [*] on all associates assigned to perform services under this agreement. In the event an associate assigned to perform services under the Program Agreement has been convicted of a crime that is honesty related or would present
safety or security risks, including without limitation individuals with a conviction(s) or indictment(s) for any of the following crimes: crimes against persons; crimes involving weapons; crimes involving the use/misuse of a computer/network; crimes
involving trade secret/proprietary information theft, burglary, theft, embezzlement, corruption, bribery, forgery, fraud, receiving stolen property; crimes involving the possession, manufacture, transportation or sale of illegal drugs and controlled
substances or any other crime that qualifies as a misdemeanor or felony in the jurisdiction involved, Bank shall first consult with Company prior to assigning such associate or if the associate is already assigned to Company, then the Bank will
consult with Company regarding the associate’s continued assignment to Company account. Prior to associates’ assignment to the Program, Bank shall certify that the background checks have not revealed any incidents which would require
consultation with Company prior to assigning such individual to the Program. Bank shall supply each of its associates and contractors with appropriate, ongoing training regarding information security procedures, risks, and threats. Bank will have an
established set of procedures to ensure associates and contractors promptly report actual and/or suspected breaches of security. 

3.    Removable media. Except in the context of Bank’s routine back-ups
or as otherwise specifically authorized by Company in writing, Bank will institute strict physical and logical security controls to monitor transfer of personal information to any form of removable media. For purposes of this exhibit,
“removable media” means portable or removable hard disks, floppy disks, usb memory drives, zip disks, optical disks, cds, dvds, digital film, memory cards (e.g., secure digital (sd), memory sticks (ms), compactflash (cf), smartmedia (sm),
multimediacard (mmc), and xd-picture card (xd)), magnetic tape, and all other removable data storage media. 

4.    Data control; media disposal and servicing. Company confidential information (i) may only be made
available and accessible pursuant to the Program Agreement; (ii) if transferred across the internet, any wireless network (e.g., cellular, 802.11x, or similar technology), or other public or shared networks, must be protected using appropriate
cryptography consistent with industry best practices or as designated or approved by Company in writing; and (iii) if transferred using removable media (as defined above) must be sent via a bonded courier or protected using cryptography
consistent with industry best practices or as designated or approved by Company in writing. The foregoing requirements apply to back-up data stored by Bank at off-site
facilities. In 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 the event any hardware, storage media, or removable media must be disposed of or sent off-site for servicing, Bank will ensure all Company confidential information, including personal information, has been “scrubbed” from such hardware and/or media using industry best practices (e.g., dod 5220-22-m standard) and in accordance with the privacy and security requirements. 

5.    Physical and environmental security. Bank facilities that process Company confidential information will be
housed in secure areas and protected by perimeter security such as barrier access controls (e.g., the use of guards and entry badges) that provide a physically secure environment from unauthorized access, damage, and interference. 

6.    Communications and operational management. Bank shall (i) monitor and manage all of its information
processing facilities, including, without limitation, implementing operational procedures, change management and incident response procedures; and (ii) deploy adequate anti-viral software and adequate back-up facilities to ensure essential business information can be promptly recovered in the event of a disaster or media failure; and (iii) ensure its operating procedures will be adequately documented and
designed to protect information, computer media, and data from theft and unauthorized access. 
 7.    Access Control.
Bank will implement formal procedures to control access to its systems, services, and data, including, but not limited to, user account management procedures and the following controls: 

 

	 	a.	 Network access to both internal and external networked services shall be controlled, including, but not limited
to, the use of properly configured and patched firewalls; 

  

	 	b.	 Operating systems will be properly patched and used to enforce access controls to computer resources including,
but not limited to, authentication, authorization, and event logging; 

  

	 	c.	 Applications will include access control to limit user access to information and application system functions;

  

	 	d.	 All systems will be monitored to detect deviation from access control policies and identify suspicious
activity. Bank shall record, review and act upon all events in accordance with incident response policies set forth in Incident Notification, below; 

  

	 	e.	 Bank will change Company confidential information access passwords on a regular basis in accordance with Bank
policy, but at least as frequently as [*]; 

  

	 	f.	 Remote access to Bank’s network must be controlled with a virtual private network or other device
(“VPN”) or private lines, consistent with [*]. Two factor authentication should be used for all remote access; 

  

	 	g.	 Wireless networks will have controlled deployment, secure configuration, and monitoring processes in place that
provide for the effective authorization and management of wireless devices; 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 

	 	h.	 Bank will maintain a network environment that prevents all external ingress and egress points with firewalls.
Intrusion detection/prevention systems will be strategically placed to prevent or detect potential breaches. Firewalls will be configured appropriately to prevent intrusions due to common protocol exposure; 

 

	 	i.	 Company personal information electronically stored or maintained by Bank will be encrypted consistent with [*]
and the privacy and security requirements; 

  

	 	j.	 Bank will ensure Bank personnel do not use any VPN to simultaneously connect machines on any Company system to
any machines on any Bank or third party systems, without (i) using only a remote access method consistent with industry best practices; 

  

	 	k.	 Operating systems and network devices must be adequately “hardened” to the most appropriate secure
configuration for Bank’s applications. Configuration management will include a monitoring process to ensure that configurations remain secure; 

  

	 	l.	 [*]; 

  

	 	m.	 [*]; and 

  

	 	n.	 All access to Company confidential information will be on a password protected basis, with unique
identifications plus passwords, which are not vendor-supplied default passwords, that are reasonably designed to maintain the integrity of the security of the access controls, and implement secure user authentication protocols, including:

  

	 	i)	 control of user ids and other identifiers; 

 

	 	ii)	 a reasonably secure method of assigning and selecting passwords, or use of unique identifier technologies, [*];

  

	 	iii)	 control of data security passwords to ensure that such passwords are kept in a location and/or format that does
not compromise the security of the data they protect; 

  

	 	iv)	 restricting access to active users and active user accounts only; and 

 

	 	v)	 blocking access to user identification after multiple unsuccessful attempts to gain access or the limitation
placed on access for the particular system. 

  

	 	o.	 [*]. 

8.    Back-up/Retention. Bank will regularly
back-up systems used to provide services to Company to ensure adequate recovery capabilities. Back-ups will be appropriately protected to ensure only authorized
individuals are able to access the Company confidential information, including but not limited to encryption of data stored off-site in electronic media and appropriate

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 classification and protection of hard-copy records. If not separately backed up, Bank
will secure any files containing Company confidential information against unauthorized access in accordance with the terms of this Agreement until the back-up tapes are recycled or properly destroyed so that
information on them cannot practicably be read or reconstructed. 
 9.    Patch Management. Bank will subscribe to
and monitor notifications to the United States computer emergency readiness team (“US-CERT”) or similar service, vendor notifications, and other recognized sources of information for critical
patches. Bank will implement a process to fix or patch identified security problems in an adequate and timely manner. Unless otherwise expressly agreed in writing, “timely” means that Bank will introduce a fix or patch as soon as
commercially reasonable after Bank becomes aware of the security problem or availability of a fix or patch in accordance with Bank policy. 

10.    Change Management. Bank will use a documented change control process to ensure that access to its systems is
controlled and recorded. Bank will promptly notify company of any planned system configuration changes or other changes that would adversely affect the confidentiality, integrity, or availability of Company confidential information. 

11.    SSAE 16. Unless otherwise agreed to in writing by the parties, Bank will provide Company annually with a copy
of latest Bank’s SSAE 16 or equivalent report. In the event the accounting firm performing the audit issues a qualified opinion due to a material weakness or significant deficiency, Bank will promptly advise Company of its plan for remedying
such material weakness or significant deficiency and use [*] to mitigate any potential damages or adverse consequences resulting from such material weakness or significant deficiency. 

12.    PCI Compliance; Audits. To verify ongoing compliance with the PCI DSS Bank will engage (i) a qualified security
assessor (“QSA”) to conduct, [*], an onsite compliance review; and (ii) an approved scanning Bank (“ASV”), [*], to conduct a network security scan. On written request from Company, Bank will provide Company with copies of
the foregoing reviews. Unless otherwise agreed to in writing the Bank will provide to Company annually a copy of Bank’s Attestation of Compliance Letter (“AOCL”), or provide onsite access to the Bank’s Report of Compliance
(“ROC”). In the event the Bank does not have a, AOCL or ROC marked as “compliant” due to some requirements in the AOCL or ROC marked “not in place” and therefore Bank has not demonstrated full compliance with the PCI
DSS, Bank will promptly advise Company of its plan for remediation of such deficiencies and use [*] to mitigate any potential damages or adverse consequences resulting from such deficiencies. In any case, Bank will be in full compliance with the PCI
DSS [*] from the receipt of the AOCL or ROC in which non-compliance was noted. 

13.    Incident notification. Bank will immediately notify ([*]) the designated Company security contact by telephone
and subsequently via written letter of any actual security attacks or incidents related to Company confidential information. The notice shall include the approximate date and time of the occurrence and a summary of the relevant facts, including a
description of measures being taken to address the occurrence, and a monthly update noting the actions taken to address the security incident. 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 14.    Annual Certification. On an annual
basis, or on Company request, Bank will certify in writing to Company that Bank is in compliance with its obligations under this Schedule 8.9. The certification will be made on a form provided by Company.EX-10.3(b)

 Exhibit 10.3(b) 

[*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential Treatment 

Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 
  

EXECUTION VERSION 
 AMENDMENT NO.
3 
 TO 
 CO-BRAND CREDIT CARD PROGRAM AGREEMENT BETWEEN 
 COMENITY CAPITAL BANK AND BJ’S WHOLESALE CLUB,
INC. 
 THIS AMENDMENT NO. 3 TO CO-BRAND CREDIT CARD PROGRAM AGREEMENT BETWEEN COMENITY CAPITAL
BANK AND BJ’S WHOLESALE CLUB, INC. (“Amendment No. 3”), is effective June         , 2016 (“Amendment No. 3 Effective Date”), by and between BJ’S WHOLESALE
CLUB, INC, a Delaware corporation having its principal office at 25 Research Drive, Westborough, MA 01581 (“BJ’s” or “Company”), and COMENITY CAPITAL BANK, having its principal offices at 2795 E. Cottonwood
Parkway, Suite #100, Salt Lake City, Utah (“Bank”). 
 WHEREAS, Company and Bank are parties to the
Co-Brand Credit Card Program Agreement dated June 5, 2014 (the Agreement), amended; 
 WHEREAS
Company and Bank desire to amend various terms and conditions of the Agreement; 
 NOW, THEREFORE, in consideration of the mutual covenants
contained herein, the parties hereto agree as follows: 
 1.    Definitions: References. Each capitalized term used herein
which is not defined herein shall have the meaning assigned to such term in the Agreement. Each reference to “hereof”, “hereunder”, “herein”, and “hereby” and each other similar reference and each reference to
“this Agreement” and each other similar reference contained in the Agreement shall from and after the date hereof refer to the Agreement as previously amended and amended hereby. 

2.    Schedule 1.2(A), Definitions and Other Obligations. All references to the term “Extra Value” level of
membership shall be deleted and replaced with the term “Elite.” Corresponding terms shall be modified consistent with this change. 

3.    Schedule 1.2(A), Definitions and Other Obligations. All references to the term “Value” level of membership
shall be deleted and replaced with the term “Plus.” Corresponding terms shall be modified consistent with this change. 

4.    Schedule 1.2(A), Definitions and Other Obligations. The following definitions shall be deleted in their entirety:
Extra Value Activation Certificate and Value Activation Certificate. 
 5.    Schedule 1.2(A), Definitions and Other
Obligations. The definition of Activation Certificate shall be deleted in its entirety and replaced with the following: “Activation Certification” shall mean the extra value and value activation certificates issued by the Company
for Accounts opened prior to May 1, 2016. 

  
 1 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 6.    Schedule 1.2(D), (E), and (F), Definitions and Other
Obligations. Paragraphs D, E and F of Schedule 1.2, Definitions and Other Obligations are hereby deleted in their entirety and replaced with new Paragraphs D, E and F, which are attached hereto as Attachment 1. 

7.    Schedule 2.1(h), Service Standards. Schedule 2.1(h), Service Standards is hereby deleted in its entirety and replaced
with a new Schedule 2.1(h), which is attached hereto as Attachment 2. 
 8.    Schedule 2.5(a), Marketing Promotions.
Schedule 2.5(a), Marketing Promotions is hereby deleted in its entirety and replaced with a new Schedule 2.5(a), which is attached hereto as Attachment 3. 

9.    Schedule 2.5(b), Marketing Funds. Schedule 2.5(b), Marketing Funds is hereby deleted in its entirety and replaced with
a new Schedule 2.5(b), which is attached hereto as Attachment 4. 
 10.    Schedule 2.9, Cardholder Rewards Program.
Schedule 2.9, Cardholder Rewards Program is hereby deleted in its entirety and replaced with a new Schedule 2.9, which is attached hereto as Attachment 5. 

11.    Schedule 3.2(b), Summary of Rates and Fees. Schedule 3.2(b), Summary of Rates and Fees is hereby deleted in its
entirety and replaced with a new Schedule 3.2(b) which is attached hereto as Attachment 6. 
 12.    Effect. Except as set
forth in this Amendment No. 3, the Agreement shall remain in full force and effect and each party hereby restates and affirms all of the terms and provisions of the Agreement. If any conflict exists between the terms and provisions of the
Agreement and this Amendment No. 3, the terms and provisions of this Amendment No. 3 will govern and control. 

13.    Entire Agreement. The Agreement, as amended, including as amended by this Amendment No. 3, constitutes the
entire agreement between the parties with respect to the subject matter hereof and supersedes all prior understandings with respect thereto. 

14.    Counterparts. This Amendment No. 3 may be executed in any number of counterparts, each of which shall be deemed
an original and all of which when taken together shall constitute one and the same instrument. Delivery of an executed counterpart signature page by facsimile shall be effective as a manually executed signature page. 

15.    Governing Law. The governing law provisions of this Amendment No. 3 shall be the same as the governing law of
the Program Agreement. 
 IN WITNESS WHEREOF, Bank and Company have executed this Amendment No. 3 in a manner and form sufficient to bind them as of
the date first written above. 

  
 2 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

COMENITY CAPITAL BANK 
 By:    /s/
Andrea J. Moss 
 Name:    Andrea J. Moss  

Title:    President  

Date:    June 28, 2016  

BJ’S WHOLESALE CLUB, INC. 

By:    /s/ William C. Werner 

Name:    William C. Werner  

Title:    SVP, Finance  

Date:    June 28, 2016  

  
 3 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 1 
 SCHEDULE
1.2 
 Definitions and Other Obligations 

D.    NEW ACCOUNT AWARDS 
 [*]. 

Bank shall not pay New Account Awards with regard to Accounts for Cardholders that had previously been Cardholders of this Program [*]. 

 

	E.	 [*] 

F.    MINIMUM CONTRIBUTION 
 So long
as Company fulfills its material obligations pursuant to this Agreement Bank, including but not limited to making the Company Solicitation Channels described in Schedule 2.5(a) available within the timeframes also described in Schedule 2.5(a) and
thereafter for the duration of the Term unless the Parties agree otherwise, [*] 

  
 4 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 2 
 SCHEDULE
2.1(h) 
 [*] 

  
 5 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 3 

Schedule 2.5 (a) 

Marketing Promotions 
 The parties
shall, respectively, promote and advertise the Program as generally set forth below but as more specifically provided in each Annual Marketing Plan, in addition to other obligations related to the Joint Management Committee: 

I.    Company will promote and advertise the Program as set forth below: 

Acquisition: 
  

			
	 1. 
	 	 Store Operations
Executive Sponsorship of Program – C level participation in quarterly meetings
  

	 2. 
	 	 Application and credit sales goals in place for
stores and field leaders; include goals and key performance metrics in performance evaluations and weekly reporting for store, district and regional managers
  

	 3. 
	 	 Periodically test and/or implement in store/on
site contests for determined time periods based on incentive funded by Marketing Funds
  

	 4. 
	 	 Strategies in place for low performing stores

 

	 5. 
	 	 Provide new Cardholder incentive for all new
Account originations (as described as of the Effective Date in Schedule 2.9, items 2(a)(vi) and b(vi)), which incentives are to be funded by Bank as of the Program Commencement Date

 

	 6. 
	 	 Ensure field management & associates
complete credit training with Bank dedicated field sales support; assigns credit captains in stores.
  

	 7. 
	 	 Implement marketing programs targeted towards
acquisition
  

 [*] 

  
 6 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 4 
 SCHEDULE
2.5(B) 
 [*] 

  
 7 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 5 
 SCHEDULE
2.9 
 Cardholder Rewards Program 

1.    [*] 
 2.    Company
and Bank hereby agree that as of the Effective Date the benefits under the Rewards Program shall include at a minimum: 
  

	 	(a)	 For Plus Cardholders: 

[*] 
  

	 	(b)	 For Elite Cardholders: 

[*] 
 3.    Based on
membership status communicated by Company to Bank, Bank shall provide a Member with the appropriate corresponding Account (e.g., either Plus or Elite Credit Card) at initial launch and throughout the Program. In the event that Company notifies Bank
that a Cardholder has changed his or her membership status, Bank may move the Cardholder from Plus to Elite or vice versa. 

4.    Notwithstanding anything in the Agreement or this Schedule 2.9 to the contrary, the parties hereby agree that only Accounts in good
standing, [*], may participate in, accrue Rewards Dollars under and/or derive benefits from the Rewards Program. Furthermore, Bank’s obligations pursuant to Paragraphs 5 and 6 above shall apply solely to Accounts in good standing. 

5.    Bank reserves the right to debit Reward Dollars accrued on Accounts in error. 

6.    [*]. 
 7.    To
the extent that Bank agrees to fund any promotional Rewards Dollars for any “spend and get” promotions or other Rewards Dollar earning opportunities approved by the Joint Management Committee independent of the Marketing Fund, the cost to
Bank for such promotional Rewards Dollars shall be equal to the rate that covers the face value of the promotional Rewards Dollars awarded to qualifying Cardholders. 

  
 8 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank 

 [*] Text Omitted and Filed Separately with the Securities and Exchange Commission Confidential
Treatment 
 Requested Under 17 C.F.R. Sections 200.80(b)(4) and 230.406 

 
 EXECUTION VERSION 

ATTACHMENT 6 
 SCHEDULE
3.2 (b) 
 Summary of Rates and Fees 

[*]. 
 *as published in the “Money Rates” section of
the Wall Street Journal on the date of reference. 
 [*]. 

  
 9 

Amendment No. 3 to Co-Brand Credit Card Program 

Agreement BJ’s Wholesale Club, Inc./Comenity Capital Bank

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