Document:

EX-4.3

 Exhibit 4.3 

FORM OF NOTE DUE 
 [UNLESS THIS
NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN
THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS A BENEFICIAL INTEREST HEREIN. 

TRANSFERS OF THIS NOTE ARE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH
SUCCESSOR’S NOMINEE AND TRANSFERS OF PORTIONS OF THIS GLOBAL NOTE ARE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE TRANSFER PROVISIONS OF THE INDENTURE.]1

[IN CONNECTION WITH ANY TRANSFER, THE HOLDER WILL DELIVER TO THE REGISTRAR AND TRANSFER AGENT SUCH CERTIFICATES AND OTHER INFORMATION AS SUCH
TRANSFER AGENT MAY REASONABLY REQUIRE TO CONFIRM THAT THE TRANSFER COMPLIES WITH THE FOREGOING RESTRICTIONS.]2 
  

 

	1 	Include for a Global Note. 

	2	To be included if a restricted security, along with applicable transfer restrictions. 

 TERRAVIA HOLDINGS, INC. 

Note due        ,  

 

					
	No.	  	 	CUSIP No.:            	  
		  	 	ISIN No.:            	  
		  	$	 	  

 TERRAVIA HOLDINGS, INC., a Delaware corporation (the “Issuer”), for value received promises
to pay to CEDE & CO. or registered assigns the principal sum of        DOLLARS on        ,        . 

Interest Payment
Dates:        [        ,        ,        ]
and        (each, an “Interest Payment Date”), commencing on        ,        . 

Interest record dates:        and        (each, a
“record date”). 
 Reference is made to the further provisions of this Note contained herein, which will for all purposes
have the same effect as if set forth at this place. 

 IN WITNESS WHEREOF, the Issuer has caused this Note to be signed manually or by facsimile by its
duly authorized officers. 
  

			
	TERRAVIA HOLDINGS, INC.
		
	 By:
	 	  

	 Name:
	 	
	 Title:
	 	
		
	 By:
	 	  

	 Name:
	 	
	 Title:
	 	

 This is one of the Notes of the series designated herein and referred to in the within-mentioned
Indenture. 
 Dated:         ,              

 

			
	Wells Fargo Bank, National Association, as Trustee
		
	By:	 	  

		 	Authorized Signatory

 (REVERSE OF NOTE) 

TERRAVIA HOLDINGS, INC. 
 Note
due        ,          
  

	 	1.	Interest. 

 TerraVia Holdings, Inc. (the “Issuer”) promises to pay interest on
the principal amount of this Note at the rate per annum described above. Cash interest on the Notes will accrue from , , or the most recent Interest Payment Date to which payment has been paid or provided for[3; provided, that if an Interest Payment Date for this Note falls a day that is not a business
day the Interest Payment Date shall be postponed to the next succeeding business day, unless such next succeeding business day would be in the following month, in which case the Interest Payment Date shall be the immediately preceding business day.
Interest on this Note will be paid to but excluding the relevant Interest Payment Date. The Issuer will pay interest [semi-annually] [quarterly] in arrears on each Interest Payment Date, commencing , ]. Interest will be computed on the basis of [a
360-day year consisting of twelve 30-day months and, for partial months, on the basis of actual days elapsed in a 30-day month] [on the basis of the actual number of days elapsed in an interest period and a 360-day year]. 

The Issuer shall pay interest on overdue principal from time to time on demand at the rate borne by the Notes and on overdue installments of
interest (without regard to any applicable grace periods) to the extent lawful. 
 [The interest rate for each interest period will be
determined by the calculation agent. Initially, [●] will act as calculation agent. The Issuer may change any calculation agent without notice to the Holders. The interest rate for a particular interest period will be a per annum rate equal to
three-month USD LIBOR as determined on the interest determination date plus %. The interest determination date for an interest period will be the second London business day preceding such interest period. 

A London business day is a day on which dealings in deposits in U.S. dollars are transacted in the London interbank market. 

On any interest determination date, USD LIBOR will be equal to the offered rate for deposits in U.S. dollars having an index maturity of three
months, 
  

	3 	Bracketed text in Section 1 to be included if and to extent applicable in context of floating or fixed rate notes. 

 
in amounts of at least $1,000,000, as such rate appears on “Reuters Page LIBOR01” at approximately 11:00 a.m., London time, on such interest determination date. If, on an interest
determination date, such rate does not appear on the “Reuters Page LIBOR01” as of 11:00 a.m. (London time), or if the “Reuters Page LIBOR01” is not available on such date, the calculation agent will obtain such rate from
Bloomberg L.P.’s page “BBAM.” 
 If no offered rate appears on “Reuters Page LIBOR01” or Bloomberg L.P. page
“BBAM” on an interest determination date at approximately 11:00 a.m., London time, then the calculation agent (after consultation with the Issuer) will select four major banks in the London interbank market and shall request each of their
principal London offices to provide a quotation of the rate at which three-month deposits in U.S. dollars in amounts of at least $1,000,000 are offered by it to prime banks in the London interbank market, on that date and at that time, that is
representative of single transactions at that time. If at least two quotations are provided, USD LIBOR will be the arithmetic average of the quotations provided. Otherwise, the calculation agent will select three major banks in New York City and
shall request each of them to provide a quotation of the rate offered by them at approximately 11:00 a.m., New York City time, on the interest determination date for loans in U.S. dollars to leading European banks having an index maturity of three
months for the applicable interest period in an amount of at least $1,000,000 that is representative of single transactions at that time. If three quotations are provided, USD LIBOR will be the arithmetic average of the quotations provided.
Otherwise, the rate of USD LIBOR for the next interest period will be set equal to the rate of USD LIBOR for the then current interest period. 

Upon request from any Holder, the calculation agent will provide the interest rate in effect on the Notes for the current interest period and,
if it has been determined, the interest rate to be in effect for the next interest period. 
 Dollar amounts resulting from such calculation
will be rounded to the nearest cent, with one-half cent being rounded upward.] 
  

	 	2.	Paying Agent. 

 Initially, Wells Fargo Bank, National Association (the
“Trustee”) will act as paying agent. The Issuer may change any paying agent without notice to the Holders. 
  

	 	3.	Indenture; Defined Terms. 

 This Note is one of the    Notes
due        ,        (the “Notes”) issued under an indenture dated as of        (the
“Indenture”) by and among the Issuer and the Trustee, and established pursuant to an [Officer’s Certificate] [supplemental indenture]
dated                    , issued pursuant to Sections 2.01 and 2.03 of the Indenture. This Note is a “Security” and the Notes are
“Securities” under the Indenture. 

  
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 For purposes of this Note, unless otherwise defined herein, capitalized terms herein are used as
defined in the Indenture. The terms of the Notes include those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act of 1939 (15 U.S.C. Sections 77aaa-77bbbb) (the “TIA”), as in effect
on the date of the Indenture until such time as the Indenture is qualified under the TIA, and thereafter as in effect on the date on which the Indenture is qualified under the TIA. Notwithstanding anything to the contrary herein, the Notes are
subject to all such terms, and holders of Notes are referred to in the Indenture and the TIA for a statement of them. To the extent the terms of the Indenture and this Note are inconsistent, the terms of the Indenture shall govern. 

 

	 	4.	Denominations; Transfer; Exchange. 

 The Notes are in registered form, without coupons, in
denominations of $2,000 and multiples of $1,000 thereafter. A Holder shall register the transfer or exchange of Notes in accordance with the Indenture. The Issuer may require a Holder, among other things, to furnish appropriate endorsements and
transfer documents and to pay certain transfer taxes or similar governmental charges payable in connection therewith as permitted by the Indenture. [The Issuer need not issue, authenticate, register the transfer of or exchange any Notes or portions
thereof for a period of fifteen (15) days before the mailing of a notice of redemption, nor need the Issuer register the transfer or exchange of any Note selected for redemption in whole or in part.] 

 

	 	5.	Amendment; Supplement; Waiver. 

 Subject to certain exceptions, the Notes and the provisions of
the Indenture relating to the Notes may be amended or supplemented and any existing default or Event of Default or compliance with certain provisions may be waived with the written consent of the Holders of at least a majority in aggregate principal
amount of all series of Outstanding Securities (including the Notes) under the Indenture that are affected by such amendment, supplement or waiver (voting as a single class). Without notice to or consent of any Holder, the parties thereto may amend
or supplement the Indenture and the Notes to, among other things, cure any ambiguity, defect or inconsistency or comply with any requirements of the Commission in connection with the qualification of the Indenture under the TIA, or make any other
change that would not reasonably be expected to adversely affect the rights of any Holder of a Note in any material respect. 

  
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	 	6.	Defaults and Remedies. 

 If an Event of Default (other than certain bankruptcy Events of Default
with respect to the Issuer) under the Indenture occurs with respect to the Notes and is continuing, then the Trustee may and, at the direction of the Holders of at least 25% in principal amount of the outstanding Notes, shall by written notice,
require the Issuer to repay immediately the entire principal amount of the Outstanding Notes, together with all accrued and unpaid interest and premium, if any. If a bankruptcy Event of Default with respect to the Issuer occurs and is continuing,
then the entire principal amount of the Outstanding Notes will automatically become due immediately and payable without any declaration or other act on the part of the Trustee or any Holder. Holders of Notes may not enforce the Indenture or the
Notes except as provided in the Indenture. The Trustee is not obligated to enforce the Indenture or the Notes unless it has received indemnity as it reasonably requires. The Indenture permits, subject to certain limitations therein provided, Holders
of a majority in aggregate principal amount of the Notes then outstanding to direct the Trustee in its exercise of any trust or power. The Trustee may withhold from Holders of Notes notice of certain continuing defaults or Events of Default if it
determines that withholding notice is in their interest. 
  

	 	7.	Authentication. 

 This Note shall not be valid until the Trustee manually signs the certificate
of authentication on this Note. 
  

	 	8.	Abbreviations and Defined Terms. 

 Customary abbreviations may be used in the name of a Holder
of a Note or an assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= Custodian), and U/G/M/A (= Uniform Gifts to Minors
Act). 
  

	 	9.	CUSIP Numbers. 

 Pursuant to a recommendation promulgated by the Committee on Uniform Security
Identification Procedures, the Issuer has caused CUSIP numbers to be printed on the Notes as a convenience to the Holders of the Notes. No representation is made as to the accuracy of such numbers as printed on the Notes and reliance may be placed
only on the other identification numbers printed hereon. 
  

	 	10.	Governing Law. 

 The laws of the State of New York shall govern the Indenture and this Note
thereof. 

  
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 ASSIGNMENT FORM 

To assign this Note, fill in the form below: 
 I or we assign
and transfer this Note to 
 (Print or type assignee’s name, address and zip code) 

(Insert assignee’s soc. sec. or tax I.D. No.) 

and irrevocably appoint agent to transfer this Note on the books of the Issuer. The agent may substitute another to act for him. 

Date:        Your Signature:     

Sign exactly as your name appears on the other side of this Note. 
  

					
		  		 	  

		  		 	Signature
			
	Signature Guarantee:	  		 	
			
	  
	  		 	  

	Signature must be guaranteed	  		 	Signature

 Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the
Registrar, which requirements include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Registrar in addition to,
or in substitution for, STAMP, all in accordance with the United States Securities Exchange Act of 1934, as amended. 

  
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 SCHEDULE OF EXCHANGES OF NOTES 

The following exchanges of a part of this Global Note for Physical Notes or a part of another Global Note have been made: 

 

									
	 Date of Exchange
	  	Amount of decrease
in principal amount
of this Global Note	  	Amount of increase
in principal amount
of this Global Note	  	Principal amount of
this Global Note
following such
decrease (or
increase)	  	Signature of
authorized officer of
Trustee
		  		  		  		  	
		  		  		  		  	
		  		  		  		  	
		  		  		  		  	

  
 10Exhibit 4.1

SECOND AMENDMENT

TO

COLLATERAL SERIES SUPPLEMENT

This SECOND AMENDMENT, dated as of July 6, 2016 (this "Amendment"), is to the Collateral Series Supplement, dated as of August 21, 2001 (as amended prior to the date hereof, the "Series Supplement"), among WFN Credit Company, LLC, a Delaware limited liability company, as Transferor (the "Transferor"), Comenity Bank (successor to World Financial Network National Bank), a Delaware state-chartered bank, as Servicer (the "Servicer"), and MUFG Union Bank, N.A., a national banking association (formerly known as Union Bank, N.A. and successor to The Bank of New York Mellon Trust Company, N.A. and BNY Midwest Trust Company), as Trustee (the "Trustee") under the Second Amended and Restated Pooling and Servicing Agreement dated as of August 1, 2001 (as amended, the "Agreement") among Transferor, Servicer and the Trustee.  Unless otherwise defined herein, capitalized terms used herein have the meanings ascribed to such terms in the Series Supplement.

WHEREAS, Transferor, Servicer and Trustee desire to amend the Series Supplement in certain respects set forth below;

NOW THEREFORE, in consideration of the premises and for other good and valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties hereto agree as follows:

1. Amendments to Series Supplement.

(a) Section 2 of the Series Supplement is hereby amended by adding the following definitions in appropriate alphabetical order:

"Arbitration Rules" has the meaning specified in Section 14(d)(i).

"Asset Representations Review" is defined in the Indenture.

"Asset Representations Review Agreement" is defined in the Indenture.

"Asset Representations Reviewer" is defined in the Indenture.

"Confidential Information" has the meaning specified in Section 14(e).

"Mediation Rules" has the meaning specified in Section 14(c)(i).

"Note Owner" is defined in the Indenture.

"Noteholder" is defined in the Indenture.

 

"Organization" has the meaning specified in Section 14(c)(i).

"Qualified Dispute Resolution Professional" means an attorney or retired judge that is independent, impartial, knowledgeable about and experienced with the laws of the State of New York, specializing in commercial litigation with at least 15 years of experience and whose name is on a list of neutral parties maintained by the Organization.

"Representatives" has the meaning specified in Section 14(e).

"Representing Party" has the meaning specified in Section 14(a).

"Requesting Party" has the meaning specified in Section 14(a).

"Test Fails", if defined in the Asset Representations Review Agreement, is defined as specified therein and, if not defined therein, shall mean, with respect to any Receivable or Account, that such Receivable failed to satisfy applicable testing procedures specified in the Asset Representations Review Agreement.

"Verified Note Owner" means either (a) a Note Owner that has provided the Transferor with each of (i) a written certification that it is a beneficial owner of a specified principal amount of the Notes and (ii) a trade confirmation, an account statement, a letter from a broker or dealer that is acceptable to the Transferor or other similar document  acceptable to the Transferor showing that such Noteholder or Note Owner is a beneficial owner of such principal amount of the Notes or (b) any Noteholder.

(b) The Series Supplement is hereby amended by adding the following Section 14 immediately after Section 13:

"Section 14.  Dispute Resolution.

(a) If a request to the Transferor (in such capacity, the "Representing Party") to repurchase a Receivable due to a breach of a representation or warranty of the Transferor is not resolved by the end of the 180-day period beginning on the date on which Transferor receives notice of such request, then the Person (the "Requesting Party") making such request, including any Note Owner, will have the right to refer the matter, at is discretion, to either mediation (which for purposes of this Section 14 shall include non-binding arbitration, if selected by the Requesting Party) or arbitration pursuant to this Section 14; provided, however, that any such referral shall be made within 30 days of the filing of the Form 10-D with respect to the Monthly Period in which such 180-day period ends.

(b) The Requesting Party shall provide notice in accordance with Section 13.5 of the referral of the matter to mediation or arbitration, as applicable, to Transferor, with a copy to the Issuer.  The Representing Party agrees to participate in the resolution method selected by the Requesting Party.  The Representing Party may request that any Requesting Party that is a Note Owner

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provide documentation demonstrating that is a Verified Note Owner and such Note Owner shall provide the requested documentation prior to the commencement of the mediation or arbitration, as applicable.  Transferor shall provide notice to RPA Seller and the Trustee that it has received a request to mediate or arbitrate a repurchase request.  Except as described in Section 14(c)(iv), a Requesting Party may not initiate a mediation or arbitration with respect to a Receivable that is, or has been, the subject of an ongoing or previous mediation or arbitration (whether initiated by such Requesting Party or another Requesting Party), but will have 30 days from the date notice of commencement of a mediation or arbitration is included in a Form 10-D filed by the Transferor to join such existing mediation or arbitration with respect to that Receivable if the applicable mediation or arbitration has not concluded.  The Transferor will provide notice of any mediation or arbitration on Form 10-D filed by the Transferor with respect to any Monthly Period in which arbitration or mediation is initiated.

(c) If the Requesting Party selects mediation (including non-binding arbitration) as the resolution method, the following provisions will apply:

(i) the mediation will be administered by a nationally recognized arbitration and mediation association selected by the Transferor (an "Organization"), and conducted pursuant to such association's commercial mediation procedures in effect at such time (the "Mediation Rules");

(ii) the fees and expenses of the mediation will be allocated as mutually agreed by the parties as part of the mediation, provided that if the parties cannot reach a mutual determination, the fees and expenses of the mediation with be borne equally by the parties, provided further that the Servicer hereby agrees to pay any such fees and expenses allocated to or otherwise deemed payable by the Transferor;

(iii) the mediator will be a Qualified Dispute Resolution Professional and will be appointed jointly by the Requesting Party and the Representing Party from a list of neutrals maintained by the Organization within 30 days of the request for mediation; provided that if a mediator is not timely appointed, a mediator will be appointed by the Organization; and

(iv) if the parties fail to agree at the completion of the mediation, the Requesting Party may refer the repurchase request to binding arbitration under Section 14(d) or may, in accordance with the Agreement and the Indenture pursue any other available remedy, including legal proceedings.

(d) If the Requesting Party selects binding arbitration as the resolution method, the following provisions will apply:

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(i) The arbitration will be administered by the Organization selected by the Transferor, and conducted pursuant to such association's arbitration procedures in effect at such time (the "Arbitration Rules");

(ii) If the repurchase request specified in Section 14(a) involves the repurchase of an aggregate amount of Receivables of less than 5% of the total Principal Receivables in the Trust as of the date of such repurchase request, a single arbitrator will be used.  That arbitrator must be a Qualified Dispute Resolution Professional.  Upon being supplied a list of at least ten potential arbitrators that are each Qualified Dispute Resolutions Professionals by the Organization, each of the Requesting Party and the Representing Party will have the right to exercise two peremptory challenges within 14 days and to rank the remaining potential arbitrators in order of preference.  The Organization will select the arbitrator from the remaining potential arbitrators on the list respecting the preference choices of the parties to the extent possible;

(iii) If the repurchase request specified in Section 14(a) involves the repurchase of an aggregate amount of Receivables equal to or in excess of 5% of the total Principal Receivables in the Trust as of the date of such repurchase request, a three-arbitrator panel will be used.  The arbitral panel will consist of three Qualified Dispute Resolution Professionals, (A) one to be appointed by the Requesting Party within five Business Days of providing notice to the Representing Party of its selection of arbitration, (B) one to be appointed by the Representing Party within five Business Days of the Requesting Party's appointment of an arbitrator, and (C) the  third, who will preside over the arbitral panel, to be chosen by the two party-appointed arbitrators within five Business Days of the Representing Party's appointment.  If any party fails to appoint an arbitrator or the two party-appointed arbitrators fail to appoint the third within the relevant time periods, then the appointments will be made by the Organization pursuant to the Arbitration Rules;

(iv) The arbitrator will make its final determination no later than 90 days after appointment or as soon as practicable thereafter.  The arbitrator will resolve the dispute in accordance with the terms of the Agreement, and may not modify or change the Agreement or any Transaction Document in any way or award remedies not consistent with the Agreement or any Transaction Document.  The arbitrator will not have the power to award punitive damages or consequential damages in any arbitration conducted by it, and Transferor shall not be required to pay more than the repurchase price required to be paid by the Transferor in accordance with Section 2.5(b) of the Agreement.  In its final determination, the arbitrator will determine and award the costs of arbitration (including the fees of the arbitrator, cost of any record or transcript of the arbitration and administrative fees) and reasonable attorneys' fees to the parties as determined by the arbitrator in its

4

 

reasonable discretion.  The determination of the arbitrator will be in writing and counterpart copies will be promptly delivered to the parties.  The determination will be final and non-appealable absent manifest error, except for actions to confirm or vacate the determination that are permitted under applicable federal or state law, and may be enforced in any court of competent jurisdiction;

(v) By selecting binding arbitration, the Requesting Party is waiving the right to sue in court, including the right to a trial by jury;

(vi) No Person may bring a putative or certified class action to arbitration; and

(vii) Each arbitrator selected for any arbitration will abide by the Code of Ethics for Arbitrators in Commercial Disputes as in effect at any time.  Prior to accepting an appointment, each arbitrator must promptly disclose any circumstances likely to create a reasonable inference of bias or conflict of interest or likely to preclude completion of the hearings within the prescribed time schedule. Any arbitrator selected may be removed by the Organization for cause consisting of actual bias, conflict of interest or other serious potential for conflict.

(e) None of the Transferor, the RPA Seller or the Servicer will be required to produce personally identifiable information about any Obligor for purposes of any mediation or arbitration.  The details and/or existence of any unfulfilled repurchase request, any meetings or discussions regarding any unfulfilled repurchase request, mediations or arbitration proceedings conducted under this Section 14, including all offers, promises, conduct and statements, whether oral or written, made in the course of the parties' attempt to resolve an unfulfilled repurchase request, any information exchanged in connection with any mediation, and any discovery taken in connection with any arbitration (collectively, "Confidential Information"), shall be and remain confidential and inadmissible (except as required in accordance with applicable law) for any purpose, including impeachment, in any mediation, arbitration or litigation, or other proceeding (including any proceeding under this Section 14) other than as required to be disclosed in accordance with applicable law, regulatory requirements, or court order or to the extent that Transferor, in its sole discretion, elects to disclose such information.  Such information will be kept strictly confidential and will not be disclosed to any third party; provided that a party may disclose such information to its own attorneys, experts, accountants and other agents and representatives (collectively "Representatives"), as reasonably required in connection with any resolution procedure under this Section 14, if the disclosing party (a) directs such Representatives to keep the information confidential, (b) is responsible for any disclosure by its Representatives of such information and (c) takes at its sole expense all reasonable measures to restrain such Representatives from disclosing such information.  If any party receives a subpoena or other request for information from a third party (other than a

5

governmental regulatory body) for Confidential Information, the recipient will promptly notify the other party and will provide the other party with the opportunity to object to the production of its Confidential Information or seek other appropriate protective remedies, consistent with the applicable requirements of law and regulation.  If, in the absence of a protective order, such party or any of its representatives are compelled as a matter of law, regulation, legal process or by regulatory authority to disclose any portion of the Confidential Information, such party may disclose to the party compelling disclosure only the part of such Confidential Information that is required to be disclosed.

(f) Any mediation or arbitration pursuant to this Section 14 will be held in New York, New York or such other location as the parties may mutually agree upon."

2. Conditions. In accordance with Section 13.1 of the Agreement, the foregoing amendment shall become effective as  of the date first written above upon (i) the execution of this Amendment by the Transferor, the Servicer and the Trustee and (ii) the satisfaction of the conditions set forth in Section 13.1 of the Agreement.

3. Miscellaneous.  As herein amended, the Series Supplement shall remain in full force and effect and is hereby ratified and confirmed in all respects.  This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. This Amendment may be executed in any number of counterparts and by the different parties in separate counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same Amendment.

4. Governing Law. This Amendment shall be construed in accordance with the laws of the State of New York, without reference to its conflict of law provisions, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

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IN WITNESS WHEREOF, Transferor, Servicer and Trustee have caused this Amendment to be duly executed by their respective officers as of the date first written above.

WFN CREDIT COMPANY, LLC, as Transferor

By:  /s/ Michael Blackham

       Name: Michael Blackham

       Title: Treasurer

MUFG UNION BANK, N.A., as Trustee

By:  /s/ Marion Zinowski

       Name: Marion Zinowski

       Title: Vice President

 

COMENITY BANK, as Servicer

By:  /s/ Randy J. Redcay

       Name: Randy J. Redcay

       Title: Chief Financial Officer

S-1

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