Document:

ads_Ex10_27

		
			 
		

		
			Exhibit 10.27
		

		
			 
		

		
			CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. SUCH EXCLUSIONS HAVE BEEN MARKED WITH A [****].
		

		
			 
		

		
			FIRST AMENDMENT
		

		
			This First Amendment (this “Amendment”) is made and entered into effective July 1, 2019 (the “Amendment Effective Date”), by and between Victoria’s Secret Stores, LLC (“Victoria’s Secret”), Lone Mountain Factoring, LLC (“Lone Mountain”), L Brands Direct Marketing, Inc. and L Brands Direct Fulfillment, Inc. (collectively referred to as “Direct”), Far West Factoring, LLC (“Far West”), Puerto Rico Store Operations, LLC (“Puerto Rico”), (Victoria’s Secret, Lone Mountain, Direct, Far West and Puerto Rico collectively hereinafter referred to as “VS”) and Comenity Bank (“Bank”).
		

		
			 
		

		
			WHEREAS, VS and Bank entered into that certain Private Label Credit Card Program Agreement dated June 29, 2018 (the “Agreement”); and
		

		
			 
		

		
			WHEREAS, VS and Bank desire to amend the Agreement as set forth in this Amendment.
		

		
			 
		

		
			 NOW, THEREFORE, for good and valuable consideration, the sufficiency of which has been agreed upon by the parties, VS and the Bank agree to supplement, modify and amend the Agreement as set forth below.
		

		
			 
		

		
			1.    Amendment.
		

		
			 
		

		
			1.1    The first sentence of Section 2.1 (d) (i) shall be amended and replaced as follows:
		

		
			 
		

		
			Provided that VS has completed an upgrade of its POS systems to accept contact EMV-enabled Credit Cards with an embedded microchip (a “Chip Card”), Bank shall convert the Credit Cards to Chip Cards on or before [****], or such other date as the parties mutually agree (the “2019/2020 Chip Card Reissue”).
		

		
			 
		

		
			1.2    The first sentence of Section 2.4 (d) is hereby amended and replaced by the following:
		

		
			 
		

		
			VS shall pay [****] Plan documentation including, without limitation, promotional material (i.e. collateral), creative and production costs for catalogue pre-approved solicitations and creative for email pre-approved solicitations, special offers, reissued Credit Card plastics (other than the full file Cardholder reissue scheduled for 2019, and the Credit Card plastics being reissued in the ordinary course due to pending expiration dates), including but not limited to embossing and encoding, card carriers, envelopes, Credit Card Agreements and postage related to any other Plan-wide Credit Card reissuances or other reissuances not in the ordinary course requested by VS (by way of example, the “limited edition” reissue completed in 2017 was a reissuance not in the ordinary course).
		

		
			 
		

		
			1.3    Sections 9.7(a), 9.7(c) and 9.7(d) are amended and replaced as follows:
		

		
			 
		

		
			(a)  Bank shall perform and fund a Cardholder Satisfaction Survey, a portion of which shall include an Agent Attribute Assessment, at least quarterly, the results of which shall be delivered to VS within [****] days after the end of the quarter.  If the overall Cardholder Satisfaction Survey indicates a “Satisfaction Rating” (as defined below) that is less than [****], then the parties will review the results of the Agent Attribute Assessment. If the Agent Attribute
		

		
			
		

		
			

		 

		

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			Victoria’s Secret and Comenity Bank

		

		

			First Amendment to PLCCPA

		

		

		
			Assessment has an Aggregate Attribute Score of less than [****], then, within [****] days after VS’s request, the Program Strategy Committee will discuss the potential cause for the decrease in the Satisfaction Rating and Aggregate Attribute Score, including the incoming call mix.  In addition, the Program Strategy Committee may discuss an action plan that can be executed within [****] days and at VS’s request, the frequency of the Cardholder Satisfaction Surveys shall increase to monthly until such time as the Satisfaction Rating increases to [****] or the Aggregate Attribute Score increases to [****].
		

		
			 
		

		
			(c)  The “Satisfaction Rating” for the Cardholder Satisfaction Survey shall be measured by Bank using scores achieved from the overall Cardholder satisfaction category and aggregating the scores from the top [****] highest available ratings on the ratings response scale.  The ratings response scale shall contain [****] possible response selections.  The “Aggregate Attribute Score” for the Agent Attribute Assessment shall be measured by Bank using scores achieved from the agent attribute category and aggregating the scores from the top [****] highest available ratings on the ratings response scale of the Cardholder Satisfaction Survey.
		

		
			 
		

		
			(d)  In the event that Bank’s survey methodology changes, or other business impacts occur that affect the survey criteria for the Cardholder Satisfaction Survey, the parties will work together in good faith through the Business Review Committee to mutually agree upon new survey metrics and corresponding Satisfaction Ratings as set forth in paragraphs (a) through (c) above that more appropriately reflect the current incoming call mix. Notwithstanding the foregoing, paragraphs (a) through (c) shall apply until such time as the parties agree to new survey criteria.
		

		
			 
		

		
			1.4      Schedule 1.1 Program Economics, [****]
		

		
			 
		

		
			2.         Miscellaneous.
		

		
			2.1      Except as expressly provided herein, all terms and conditions of the Agreement shall remain in full force and effect. Wherever possible, the terms of this Amendment shall be read in such a manner so as to avoid conflict with the Agreement but, in the event of an unavoidable conflict, the terms of this Amendment shall control over the terms and conditions of the Agreement.
		

		
			 
		

		
			2.2      Unless otherwise defined herein, capitalized terms in this Amendment shall have the meanings given them in the Agreement.
		

		
			 
		

		
			2.3       The governing law provisions of this Amendment shall be the same as those of the Agreement.
		

		
			 
		

		
			2.4       This Amendment may be executed in counterparts, both of which shall constitute one and the same instrument.
		

		
			 
		

		
			[Signature Page Follows]
		

		
			 
		

		
			
		

		
			

		 

		

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			Victoria’s Secret and Comenity Bank

		

		

			First Amendment to PLCCPA

		

		

		
			IN WITNESS WHEREOF, the parties have caused this Amendment to be executed as witnessed by the signatures of their duly authorized representatives.
		

		
			 
		

			
					
						 

					
					
						 

					
					
						 

					
					
						 

					
					
						 

				
	
					
						Comenity Bank

					
					
						 

					
					
						 

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						By:

					
					
						/s/ John Marion

					
					
						 

					
					
						 

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Title:

					
					
						John Marion

					
					
						 

					
					
						 

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Date:

					
					
						President

					
					
						 

					
					
						 

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Victoria’s Secret Stores, LLC

					
					
						 

					
					
						L Brands Direct Marketing, Inc.

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						By:

					
					
						/s/ Timothy J. Faber 

					
					
						 

					
					
						By:

					
					
						/s/ Timothy J. Faber 

				
	
					
						 

					
					
						Timothy J. Faber

					
					
						 

					
					
						 

					
					
						Timothy J. Faber

				
	
					
						Title:

					
					
						SVP, Treasurer

					
					
						 

					
					
						Title:

					
					
						SVP, Treasurer

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Date:

					
					
						7/22/19

					
					
						 

					
					
						Date:

					
					
						7/22/19

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Puerto Rico Store Operations, LLC

					
					
						 

					
					
						Far West Factoring, LLC

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						By:

					
					
						/s/ Timothy J. Faber 

					
					
						 

					
					
						By:

					
					
						/s/ Timothy J. Faber 

				
	
					
						 

					
					
						Timothy J. Faber

					
					
						 

					
					
						 

					
					
						Timothy J. Faber

				
	
					
						Title:

					
					
						SVP, Treasurer

					
					
						 

					
					
						Title:

					
					
						SVP, Treasurer

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Date:

					
					
						7/22/19

					
					
						 

					
					
						Date:

					
					
						7/22/19

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						L Brands Direct Fulfillment, Inc.

					
					
						 

					
					
						Lone Mountain Factoring, LLC

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						By:

					
					
						/s/ Timothy J. Faber 

					
					
						 

					
					
						By:

					
					
						/s/ Timothy J. Faber 

				
	
					
						 

					
					
						Timothy J. Faber

					
					
						 

					
					
						 

					
					
						Timothy J. Faber

				
	
					
						Title:

					
					
						SVP, Treasurer

					
					
						 

					
					
						Title:

					
					
						SVP, Treasurer

				
	
					
						 

					
					
						 

					
					
						 

				
	
					
						Date:

					
					
						7/22/19

					
					
						 

					
					
						Date:

					
					
						7/22/19

				

		
			 
		

		 

		

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			Victoria’s Secret and Comenity Bank

		

		

			First Amendment to PLCCPAads_Ex10_125

		
			Exhibit 10.125
		

		
			 
		

		
			FIFTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT 
		

		
			FIFTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”), dated as of February 13, 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 Fifth 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, Article 1 of the Existing Credit Agreement is hereby amended by amending and restating the lead-in of the definition of “Interest Period” in its entirety as follows:
		

		
			““Interest Period” means with respect to each Euro‐Dollar Loan, the period commencing on the date of borrowing specified in the applicable Notice of Borrowing or on the date specified in the applicable Notice of Interest Period Election and ending one week thereafter or one, two, three or six months thereafter, as the Borrower may elect in the applicable notice (or such other period as requested by the Borrower and agreed to by the applicable Banks); provided that:”
		

		
			SECTION 2.     Fifth Amendment Effective Date Conditions.  This Amendment shall become effective on the date (such date, the “Fifth Amendment Effective Date”) when the Administrative Agent has received this Amendment, duly executed by an authorized officer of each signing Credit Party, the Consenting Banks constituting Required Banks and the Administrative Agent.
		

		
			SECTION 3.     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 4.     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 5.     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 6.     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 7.     Reference to and Effect on the Credit Agreement and the Credit Documents.  
		

		
			(a)     On and after the Fifth 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 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, as amended by 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.
		

		
			

		 

		

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			SECTION 8.     Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.
		

		
			SECTION 9.     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.]
		

		
			

		 

		

			3

		

		

		
			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/ J. Jeffrey Chesnut

				
	
					
						 

					
					
						Name:   J. Jeffrey Chesnut

				
	
					
						 

					
					
						Title:  Treasurer 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						ADS foreign holdings, INC., as Guarantor

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ J. Jeffrey Chesnut

				
	
					
						 

					
					
						Name:   J. Jeffrey Chesnut

				
	
					
						 

					
					
						Title:  Treasurer 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						comenity llc, as Guarantor

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Jeffrey L. Fair

				
	
					
						 

					
					
						Name:  Jeffrey L. Fair 

				
	
					
						 

					
					
						Title:  Vice President, Tax 

				

		
			 
		

		
			 
		

		
			 
		

		
			

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

		

		
			 
		

			
					
						 

					
					
						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/ J. Jeffrey Chesnut

				
	
					
						 

					
					
						Name:   J. Jeffrey Chesnut

				
	
					
						 

					
					
						Title:  Treasurer 

				
	
					
						 

					
					
						 

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						wells fargo bank, national association, 

					
						as Administrative Agent and a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Sid Khanolkar

				
	
					
						 

					
					
						Name:  Sid Khanolkar 

				
	
					
						 

					
					
						Title:  Director 

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

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

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Molly Daniello

				
	
					
						 

					
					
						Name:  Molly Daniello

				
	
					
						 

					
					
						Title:  Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						MUFG Bank, LTD., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Matthew Antioco

				
	
					
						 

					
					
						Name:  Matthew Antioco

				
	
					
						 

					
					
						Title:  Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

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

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Christine Lathrop

				
	
					
						 

					
					
						Name:  Christine Lathrop

				
	
					
						 

					
					
						Title:  Executive Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						MIZUHO BANK, LTD., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Tracy Rahn

				
	
					
						 

					
					
						Name:  Tracy Rahn

				
	
					
						 

					
					
						Title:  Executive Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						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

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						FIFTH THIRD BANK, NATIONAL ASSOCIATION, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Matthew Lewis

				
	
					
						 

					
					
						Name:  Matthew Lewis

				
	
					
						 

					
					
						Title:   Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						THE BANK OF NOVA SCOTIA, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Sunny Yang

				
	
					
						 

					
					
						Name:  Sunny Yang

				
	
					
						 

					
					
						Title:   Director 

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						BNP PARIBAS, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Michael Giudice

				
	
					
						 

					
					
						Name:  Michael Giudice

				
	
					
						 

					
					
						Title:   Director, FIG

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Marguerite L. Lebon

				
	
					
						 

					
					
						Name:  Marguerite L. Lebon

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						ROYAL BANK OF CANADA, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Allan Kortan

				
	
					
						 

					
					
						Name:  Allan Kortan

				
	
					
						 

					
					
						Title:   Authorized Signatory

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						SUMITOMO MITSUI BANKING CORPORATION, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Michael Maguire

				
	
					
						 

					
					
						Name:  Michael Maguire

				
	
					
						 

					
					
						Title:   Managing Director

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						 

				
	
					
						 

					
					
						CITIZENS BANK, NATIONAL ASSOCIATION, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Douglas M. Kennedy

				
	
					
						 

					
					
						Name:  Douglas M. Kennedy

				
	
					
						 

					
					
						Title:   SVP

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						CANADIAN IMPERIAL BANK OF COMMERCE, 

					
						NEW YORK AGENCY, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Dominic Sorresso

				
	
					
						 

					
					
						Name:  Dominic Sorresso

				
	
					
						 

					
					
						Title:   Authorized Signatory

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Andrew R. Campbell

				
	
					
						 

					
					
						Name:  Andrew R. Campbell

				
	
					
						 

					
					
						Title:   Authorized Signatory

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						BANCO BILBAO VIZCAYA ARGENTARIA, S.A., 

					
						NEW YORK BRANCH, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Brian Crowley

				
	
					
						 

					
					
						Name:  Brian Crowley

				
	
					
						 

					
					
						Title:   Managing Director

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Miriam Trautmann

				
	
					
						 

					
					
						Name:  Miriam Trautmann

				
	
					
						 

					
					
						Title:   Senior Vice President

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						KEYBANK NATIONAL ASSOCIATION, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ James Cribbet

				
	
					
						 

					
					
						Name:  James Cribbet

				
	
					
						 

					
					
						Title:   SVP

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						regions bank, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Stephanie Herndon

				
	
					
						 

					
					
						Name:  Stephanie Herndon

				
	
					
						 

					
					
						Title:   Assistant Vice President

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						u.s. bank national ASSOCIATION, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Callen M. Strunk

				
	
					
						 

					
					
						Name:  Callen M. Strunk

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						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

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						DEUTSCHE BANK AG, NEW YORK BRANCH, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Ming K. Chu

				
	
					
						 

					
					
						Name:  Ming K. Chu

				
	
					
						 

					
					
						Title:   Director

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Marko Lukin

				
	
					
						 

					
					
						Name:  Marko Lukin

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						Synovus Bank, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Robert Haley

				
	
					
						 

					
					
						Name:  Robert Haley

				
	
					
						 

					
					
						Title:   Corporate Banker

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						the northern trust company, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Will Hicks

				
	
					
						 

					
					
						Name:  Will Hicks

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						MORGAN STANLEY SENIOR FUNDING, INC., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Patrick Wong

				
	
					
						 

					
					
						Name:  Patrick Wong

				
	
					
						 

					
					
						Title:   Authorized Signatory

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						ASSOCIATED BANK, N.A., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Dean Rosencrans

				
	
					
						 

					
					
						Name:  Dean Rosencrans

				
	
					
						 

					
					
						Title:   SVP

				

		
			 
		

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						 

				
	
					
						 

					
					
						THE HUNTINGTON NATIONAL BANK, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Dan Swanson

				
	
					
						 

					
					
						Name:  Dan Swanson

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						CITIBANK, N.A., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Marina Donskaya

				
	
					
						 

					
					
						Name:  Marina Donskaya

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						CADENCE BANK, N.A., as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Hannah Dempsey

				
	
					
						 

					
					
						Name:  Hannah Dempsey

				
	
					
						 

					
					
						Title:   VP

				

		
			 
		

		
			 
		

		
			 
		

		
			

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

		

		
			 
		

			
					
						 

					
					
						Land Bank of Taiwan Los Angeles BRANCH,  as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Chien-Ching Li

				
	
					
						 

					
					
						Name:  Chien-Ching Li

				
	
					
						 

					
					
						Title:   VP & General Manager

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						Taiwan Cooperative Bank Ltd., Acting 

					
						Through Its New York Branch, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Li Hua Huang

				
	
					
						 

					
					
						Name:  Li Hua Huang

				
	
					
						 

					
					
						Title:   SVP & General Manager

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						Banco de Sabadell, S.A. – Miami Branch, 

					
						as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Enrique Castillo

				
	
					
						 

					
					
						Name:  Enrique Castillo

				
	
					
						 

					
					
						Title:   Head of Corporate Banking

				

		
			 
		

		
			
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						TAIWAN BUSINESS BANK LTD — NEW YORK 

					
						BRANCH, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Sandy Chen

				
	
					
						 

					
					
						Name:  Sandy Chen

				
	
					
						 

					
					
						Title:   General Manager

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						FIRST HAWAIIAN BANK, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Christopher M. Yasuma

				
	
					
						 

					
					
						Name:  Christopher M. Yasuma

				
	
					
						 

					
					
						Title:   Vice President

				

		
			 
		

		
			 
		

		
			 
		

		
			

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

		

		
			 
		

			
					
						 

					
					
						VIRTUS SEIX FLOATING RATE HIGH INCOME 

					
						FUND, as a Lender

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By: SEIX INVESTMENT ADVISORS LLC, as Subadvisor

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Deirdre A. Dillon

				
	
					
						 

					
					
						Name:  Deirdre A. Dillon, Esq.

				
	
					
						 

					
					
						Title:   Chief Compliance Officer

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

	
					
						

					
						 

					
					
						FIRST NATIONAL BANK OF OMAHA, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Dale Ervin

				
	
					
						 

					
					
						Name:  Dale Ervin

				
	
					
						 

					
					
						Title:   Director

				

		
			 
		

		
			 
		

		
			 
		

		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

		

		

			 

		

	
					
						

					
						 

					
					
						MIDFIRST BANK, as a Bank

				
	
					
						 

					
					
						 

				
	
					
						 

					
					
						By:  /s/ Sherlyn Nelson

				
	
					
						 

					
					
						Name:  Sherlyn Nelson

				
	
					
						 

					
					
						Title:   Director

				

		
			 
		

		 

		

			Alliance Data Systems Corporation

		

		

			Fifth Amendment to Amended and Restated Credit Agreement 

		

		

			Signature Page

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