Preview
230S-AC00113
Aen
XHIBIT A
BILL OF SALE
Comenity Bank (“Seller”), for value received and pursuant to the terms and
conditions of that certain Credit Card Account Purchase Agreement dated October 25,
2019 between Seller and Midland Credit Management, Inc, (“Purchaser”), its successors
and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of
the Closing Date of April 20, 2021 all rights, title and interest of Seller in and to those
certain Accounts described in the Credit Card Account Purchase Agreement and
Schedule 1 (the “Asset Schedule”) attached hereto and made part hereof for all purposes,
to Purchaser,
The information contained in the Sale File (collectively, “Seller’s Accounts
Information”) is true and complete as of the File Creation Date. Further, all of the
information contained in Seller’s Accounts Information (a) constitutes Seller's own
business records regarding the Accounts and (b) accurately reflects in all material
respects the information about the Accounts in Seller’s possession. All of Seller's
Accounts Information has been kept in the regular course of Seller’s business, and was
made or compiled at or near the time of the event and recorded by (or from information
transmitted by) a person (i) with knowledge of the data entered into and maintained in
Seller’s business records, or (ii) who caused the data to be entered into and maintained in
Seller’s business records. All capitatized terms used, but not defined, in this Bill of Sale
shall have the meanings assigned to such term in the Credit Card Account Purchase
Agreement.
This Bill of Sale is executed without recourse except as stated in the Credit Card Account
Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
title or enforceability is expressed or implied.
COMENITY BANK Midland Credit Management, Inc.
By fOr ace (G94 By:
Date: S/FY/2 4 Date: _ 6/1/2021
Title: Chief Credit Officer Title MVP of Business Development
Field Field Data
Account Number 0
Seller Account ID 729318883
First Name KRISTIN
Last Name HICKMAN
SSN XXX-XX
Date of Birth a
Address 1 42546 HIGHWAY 52
City META
State MO
Zip 65058
Home Phone 5732294604
Open Date 12/02/2014
Last Purchase Date 03/10/2020
Last Purchase Amount $69.05
Last Payment Date 08/14/2020
Last Payment Amount $70.00
Sale Amount $610.28
Charge Off Date 03/31/2021
Charge off Balance $610.28
Post Charge Off Interest $0.00
Post Charge off Fee $0.00
Post Charge off Payments $0.00
Post Charge off Payments and Credits $0.00
Post Charge off Credits $0.00
Affinity VICTORIA'S SECRET
Alternate Account #1
Account information provided by Comenity Bank pursuant to the Bill of Sale/Assignment of
Accounts transferred on or about 04/20/2021 in connection with the sale of accounts from Comenity
Bank to Midiand Credit Management, Inc.
MCMG_HF_APRIL_2021_DPL_CB.TXT; MCMG_HF_APRIL_2021_LCS_CB.TXT
Midland 360 Carino De La Reina
fram Credit su
Welcome, Your account has a new home 7 Management’ San Diego, CA 92108
1/27/2022
Account Transfer Details
Original Creditor COMENITY BANK
Original Account Number XIHA
P17 7333 014 Be Current Servicer Midland Credit Management, Inc.
Kristin Hickman MCM Account Number
42546 Highway 52 Current Owner Midland Credit Management, Inc.
Meta, MO 65058-3037 Current Balance $610.28
Apt! fo et loally yt ented
Flexible payment options available
RE COMENITY BANK VICTORIA'S SECRET
Account at a Glance Dear Kristin,
Current Balance Welcome! On 4/20/2021, your account was sold to Midland Credit Management, Inc., which is now
$610.28 the soie owner of this debt, Midland Credit Management, Inc. (“MCM"), a debt collection company,
will be collecting on and servicing your account.
Flexible payment options
available To welcome you to MCM, we'd like to offer you an opportunity to resolve this account with no further
letters or phone calls.
Receive Personalized Service MCM is a different kind of debt collector. Here is what to expect:
—A dedicated Account Manager will be assigned to your account
Begin your path to your financial —We will reach out to you by phone
freedom TODAY! MCM, a partner you can trust. BILL OF RIGHTS:
We value your experience and understand that managing debt can be a
difficult processt
That is why we set standards for how you are to be
Reply by treated while working with us. Call 877-452-7959 to experience the
6/11/2021 difference for yourself,
MidlandCredit.com Sincerely,
Cail 877-452-7959 Tim Bolin
Mon-Fri 8am - Midnight ET Division Manager
Sat-Sun: 8am - 7:30pm ET
‘We are not obligated to renew any offers provided.
5
Midland Credit Management, Inc.
S&S MidlandCredit.com gS 877-452-7959 PO Box 3010!
Los Angetes, CA 90030-1030
—----- Ee PLEASE SEE REVERSE SIDE
ee FOR
eae IMPORTANT DISCLOSURE
eae ema mn INFORMATION
oe —----~-
Oo cee ee amthe reverse side, | @® Manag je Your Account Online
MCM Account Number MidlandCredit.com
Current Balance — 28
Uni SOMEUl Stet=\'ZRA=1A LOK
AAA Ueda
Total Enclosed
Midland Credit Management
Enter your MCM Account # on all payments
Mall Payments to:
Midtand Credit Management, Inc.
PO Box 301030
877-452-7959
Los Angeles, CA 90030-1030 se habla espafiol
877-684-0209
‘yoo.
Important Disclosure Information
Please understand this is a communicatian trom a debt collector. This is an attempt to collect a debt.
Any information obtained will be used for that purpose.
Unless you notify MICM within thirty (30} days after receiving this notice that you dispute the validity of the debt,or any portion thereof,
MCM will assume this debt to be valid. if you notify MCM, in writing, within thirty (30) cays after receiving this notice that the debt, or any
portion thereof, Is disputed, MCM will abtain verification of the debt or a copy of a judgment {if there is a judgment) and MCM will mall you a
‘copy of such verification or judgment. If you request, in writing, within thirty (30) days after receiving this notice, MICM will provide you with
the name and address of the original creditor.
ePUr oaks ea Denti Te mitoses
ES LeU
Original Creditor COMENITY BANK Current Creditor Midiand Credit Management, Inc.
Original Account Number | xxxxxxxxx0084 Current Servicer Midland Credit Management, Inc.
Charge-Off Date 3/31/2021 Charge-Off Balance $610.28
UD AS SLR a ced
ents te Send disputes or an instrument tendered as Physical Payments for Colorado Residents:
anata ¢ redit Management, Inc. full satisfaction of a debt to: Colorado Manager, Inc.
PO Box 301030 Attn: Consumer Support Services 8690 Wolff Court, Suite 110
Los Angeles, CA 90030-1030 320 E Big Beaver fd. Suite 300
Troy, Mi 4808: Westminster, CO 80031
You may also call: 877-452-7959 Phone (303) 920-4763
The records associated with the COMENITY BANK. account purchased by Midland Credit Management, inc., reflect that you are obligated on
thls account, which is in default. As the owner of this account, but subject to the rights described above, Midland Credit Management, Inc. is
entitled to payment of this account. All communication regarding this account should be addressed to MCM and not the previous owner.
If an attorney represents you with regard to this debt, please refer this letter to your attorney, Likewise, if you are involved in an active
bankruptcy case, or if this debt has been discharged in a bankruptcy case, please refer this letter to your bankruptcy attorney so that we may
be notified.
Please remember, even if you make a payment within thirty (30) days after receiving this notice, you still have the remainder of the thirty (30)
days to exercise the rights described above,
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting
agency if you fail #0 tuffill the terms of your credit obligations.
We are required under state law to notify consumers of the following additional rights. This list does not contain a complete tIst of the rights
consumers have under applicable flaw:
NMIS ID: 934164
JF YOU LIVE IN CALIFORNIA, THIS APPLIESTO YOU: The state further communication with the consumer. A written request to
Rosenthal Fair Debt Collection Practices Act and the federat Fair Debt cease communication will not prohibit the debt collector or collection
Collection Practices Act require that, except under unusual agency from taking any other action authorized by law to collect the
circumstances, collectors may not contact you before 8 a.m. of after debt.
9 p.m. They may not harass you by using threats af violence or arrest IF YOU LIVE IN MASSACHUSETTS, THIS APPLIESTO YOU: NOTICE OF
or by using obscene language. Collectors may not use false or IMPORTANT RIGHTS: You have the right to make a written or oral
misleading statements or call you at work if they know or have reason request that telephone calls regarding your debt not be made to you
to know that you may not recelve personal calls at work. For the most at your place of employment. Any such oral request will be valid for
part, collectors may not tell another person, other than your attorney only ten (10) days unless you provide written confirmation of the
or spouse, about your debt. Cofiectors may contact another persan to request postmarked or delivered within seven (7) days of such
confirm your location or enforce a judgment. For more Information request. You may terminate this request by writing to MCM.
about debt collection activities, you may contact the Federal Trade
Commission at 1-877-FTC-HELP or http://www.ftc.gov. IF YOU LIVE iN NORTH CAROLINA, THIS APPLIES TO YOU: North
Nonprofit credit counseling services may be available in the area. Caralina Department of Insurance Permit #102659, #4182, #4250,
IF YOU LIVE IN COLORADO, THIS APPLIES TO YOU: #3777, #114895, #112039, #113170, #113236 and #112678. Midland
FOR iNFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION Credit Management, Inc. 350 Camino De La Reina, Sulte 100, San
PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICESECTIONS/ Diego, CA, 92108,
‘CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/ 'F YOU LIVE IN TENNESSEE, THIS APPLIES TO YOU: This collection
COLLECTION-AGENCY-REGULATION/. A consumer has the right to agency is licensed by the Collection Service Board of the Department
request in writing that a debt collector of collection agency cease of Commerce and Insurance.
DVALA
anne a a
By providing your telephone number below, you authorize MCM or its agents to contact you regarding your account at such number by
any means, inckiding calling, texting, using automated dialer systems and automatic telephone dialing systems, and using pre-recorded or
artificial voice messages. By providing your e-mail address below, you agree to receive electronic mail communications from MCM or its
agents regarding your account at such e-mail address and confirm that such e-mail address is not furnished or owned by your employer.
Street Address |
city [ | state [ ] ze |
Email | ] cettPhone |
Work Phone [ Home Phone |
PAGE 10F 4
mt o m
‘Accountno. oon New balance $810.28
Minimum payment due $185.00
Previous batance $558.15 Payment due date odfrzi2024
Payments Late payment warning:
Other credits 0.00 If we do not recelve your minimum payment by 04/12/2021 you may
Purchases 0.00 haveto pay up to a $40.00 late fe.
Other debits 0.00
Fees charged 40.00 Minimum payment warning you make only the renimum
Interest charged 12.18 payment for each period, you wil pay more i interest and 4 will take,
lewbe ‘$610.26 ‘you longerto pay off your balances. For example:
Past due amount 185.00 Ifyou make no additional ‘You will pay oft | And you wilt
Creath tit $400.00 charges using this card the balartes shown | end up payingan|
Available credit ‘and each month you pay: ‘onthe statement ‘estimated total
‘Statement closing date ovr in about
Days inbilling cycle Ghiy the minimurn payment 22 months ‘$768
For Information regarding crac counseling services,
coal 1-800-284-1
‘Skip signing in to pay and use Comenity's EasyPay. It's safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub betowto get started.
ir creat Eo
"TRANS DATE, ‘TRANSACTION DESCAIPTIONLOCATION AMOUNT
Fees
oa2/2021 LATE FEE 40.00
Total fees oheroet {for this perlod $40.00
interest chatged
Interest charge on purchases $12.13
Total interest for this period $1213
2021 totals year to date
‘Total fees charged in 2021 $120.00
‘Total interest charged in 2024 $92.04
[ees ese al
‘Your Annual Percentage Rate (APA) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
‘on page 2 for more details, Minimum interest charge may exceed interest charge below, per your credit card agreement,
Tyree. BAL ANGE SUBJECT eres
APR ‘TO INTEREST RATE
Purchases 24,9900% (u) 871.67 (DA) 12.18
CCI ear ey
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this, you can pay the Minium amount shown on
statement before the end of this month. If you ara not able to pay the Minimum Payment amount, we will
Still be abla to assist you and pravant your account from being written off. Call us at 1-855-617-8089
(IDDATTY 1-800-695-1788) anc we will ind a Suitable payment betore the end of this month. If written off,
INEDY
a NORE ou oy einer ean
“Recount seas sees
Mi
umber
frien payment
VICTORIA'SOND SI4EET LONDON
SECRET
904
soa $195.00 |"
Ci have moved or updatedmy
jaaciress ~36e. Amount,on
Malled ts must reat us by Spm ET
Please make checic payaiie to:
COMENITY - VICTORIA'S SECRET
wlohe
the lieben Please return this portion alkng with your payment to:
KRISTIN HICKMAN, PO BOX 659728
META MO 65058-2087 SAN ANTONIO TX 78265-9728
AU gb love tooos tengo Bove fog UIE
4S9001Le O000L874 Mle BM ococo1esoo ooooe1o2s
Keen portion for your records. CREDIT REPORTING.
What To Do If You Think You Flad& Mistake On Your Statement ciadit boyeaus, Lale Wu ayo gla about your acenunlto
payment, oF ober dei on your
fy think ther isan anor an you ttm tous a: Comerty Secon ay be fllsled Inout ces ep
Bar 182782, Colemas, Ohio 43218 NOTICE OF CREDIT REPORTler DIS vg eed to css ening
ie eer, uste oll fara: My ble the acc
re and acai muribe. ney Is Inseeat, subealt &4 ‘spite to Carenity Bank PO
® Dollar amount the dol arent ofthe suspactes eo. Box 182789, Dohumus, Ohio 4 88ers pat et
Description of Protea: It yu tink tere isan eror on your wu, provide sficlent infration te unt and Spee
‘describe wal you believe Is wrong, and Delleveiis a mistake. "Recount information: Your name and account number
‘You must contact us within 6 days ater the ext appeareden yor Cortact
slaloment, + Dia i Ifccmation: Idenlily the account rformation cspated anal
You musty sof aypeal as nang, raya ta Salant yu bal I sora
at I aailable, providea copy of the section of
Eetopey neonout ingestion any poteial eros a you * fe bintopet stoning the sccm arate yo oe dsp
Ye wo investigate wheterorn hae fas bara oth fora ‘wiles the pte ineration an the caus to
Fe cannot try tocallent the amount question, or ape yea as elindhate ofsoem, recap feral
of the Infor atl
posted f s
for our lvestigation
naccurale,
delinquent on that mount. prorply lowhich necessary covraction To each ecard PAH
providewo ruported
+ Thecharge In question may remain cn yur statemast, and We agency the infaration,
continue to charge you interest on that armour But if we determine that BAY NTS
dispoted ares WARKED PAID IN FULL, ton comruriealins agrcirg
wa made a mistake, you wil not have to pay the amount in question or ones a ‘lutea soot at 80
foyer aeeos bet that area Noah Sulte 101,MEMSin1 to
ot ave to py the amount in question,you aie responsible pe nor hie eine Ss
tert emai oyu belne
+ We can apply any unpaid amount against your era it our E00 payne sent bay erates Wit keg ny of
our Rights W You Are Diseatistod With Your Creat Cond Perchases He pret
it DE shalopeat a accord and sista wit el
Hyyouae aati ite go, 6 sareos tet you hve purchased SERVICE. Vist coma pnetietvtensecret o eal
fed fn good faith ta covect the Saonees one DOTY £00 1788).
rover the Tasca none ‘he ght not to py te erating
‘maunt due on the pacha TELEPHONE MONITORING. To provide you with bigh-auality service, pone
Pam the ata of he lowing mos in: coninunication with as Is ranieved ander repo.
ries. yourcase tall essa in yourheer ba stato ox within 0
wo (nthe frontAL of INFORMATION,
your stateme Theo ong dsiaions,when appearing
been ct $90. (Ate thar ofthese is ec
0 you or we oun the‘ares WIT Pa vanns WANE INTERES eRe
sa sd eave erent wel ld
thatldo th thgodsjour ce cart forthe puchate. Puchases
earn SEGUIRED:
Ow Wi ahs RANE RIESE LOWINTEREST, BRLEN
EQUAL PAYMENT, WW
sithachat ran ATI vila chock Wat accesses yer means DEFER INTE(EST, PAYMENT REQUIRED; DEF INT £Q PY means
and account
[Son must no jet have fypei fr tha purchase. INTERES, REST, LOW BAVENTand LOWAPA EO PAY mans MY APR,
PAN ri
Ul tei ti aroma ae yay tl desith the Yu may say yar ou atanoe at aye elo pensiy.yar.
Soiombas.i, Ohio A328 sn 27a2. wing a: Cmenity Bank PO Box 282782, Send al to: CUSTOMER SERVICE, FO Bar 182275, Combs
Oh.
‘ie wa rent Ue
sessed above. "ve sh ob investzaton, same les ape to tha dgulad oa Send all ‘ky ns
you oe SanctpeyDrvtvert PO Bor ALISCorosi sais
cle Ab pin
‘we may repeat you as dellnmvert Ie thn your owen amu an ou de ay NOTICE ABOUT eLecTrcG
thaHoty 0 AVOID PAYING INLENEST. a, We vlYourokdz dale tos 25 dp ates
‘om purchases speck ohoer ia ectoeet und alouse romIviesics rng
your sczourt orto
you sea thn cn cee min iieufdtein ick teansaction, When ve use infertai rare
‘Speintaent on ne pcs fie cnek ab hate ind er ine tn
tx Biel Payment Coa an faerie cal tow APR. I Payroat
purchase rom your sccoura:
you vl pl ceehc jay chek took Nemcr"ve franc tes”
BALANCE
‘each balanceCOMPUTATION
using lhe method) METHOD.described
We cleft bela. aos cl serachor
riheass rst fh Ealance Subject to ert Rate clu the
Rioye ge aul secon ons ean corespes the
{steaie totingusteCay lonees chong vieiting ionte
alarea ofan he gle
tarpon and ees ang stil a ares tiara
i balancems aera ess te cally
che) gute Tint chp ie Staines by opi gl periodic
fate‘average
othe daily"average
balance” we take the begietng bal psi,To get the
d ily balance” fx the bing
naw esactions and fees and subtracta mers o edits (real
‘uy
‘Toon,rtwecredit upbalance
att theasadallyze10balances
balance),forthe i sth
‘ugh ye ‘wunor
adcl etlilleg paiod tale
of dsp nthe bling pari. Th gies ete eveaae
fy ot bored w pas ment duo dats by the lew Usted blow, If 40 do not receive payment
Ako, Your pain rt facto Dy sheIn ann conect ell
FerraTs(lined baton) toit
Tenant tha Toyah
yack eho torte a ue day, era be eerted hel apes
SengeFo Care oma fr een payment mandsie
iiekcrent ighti Sida stub pe alaeahieeraley Tanias wc cae checkparableIn ells, tte ame and adios
cp your payment the sub, cide jor acou si ‘yout checkue tneragepea hy uc‘Stalerent, joe pyri, det ipl
rant sch ano peyment, ovr a pao 08
fa, 1 78547 5004 sie atone fat
Marked
og caseae the sare a8 ct ress risaap tookat Ai
hei 1,
icheasa youato
ake payne epee acho
ich gitelude
may cniicates
a fe, Gane Ya Yetican
ca Make a ea os tole a
Darvin
Corenhote triacetate
te Ter, Pg cl melange prmuns3 to due data on ths Staternont
fhefalsornglanes anon eat he860 Youre)
pan Erne 8 ay By Pe: ‘6.0 po (1 Online: By 6:00 fnpx,tha‘eran stub aren atthe
store: Uy the lime
9 farmation
Tila (optional) First Name tar
Last Name Soe. See, No,
Street Addiess
Apt. No. RR PO Box
city state Zip Code — Foreign ¥ap Code
Heme Phone Work Phone
Email Address
“PAGE
OF 4
ml in ted
the bad debt will be reported to the three major credit bureaus and our Recovery team wilt determine the
appropriate steps, as permitted and available under applicable law, to protect our interests.
Alfected by COVID-19? Comenity Sank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
{COVID-19) pandemic.
The support we're extending te you. If you're experiencing financial hardship because of COVID-+9,
please call 1-800-695-9478 (IDD/TTY: 1-800-695-1788) to ulscuss how we may be abia to halp.
Account Center Is avaltable 24/7 for you to manage your VICTORIA'S SECRET account
confine. You can maka payments and view your balance, vansactions and statements onfine. Not yet
registared? Viskt comenity.net/victorlassecrel, enter your VICTORIA'S SECRET credit card account
‘number
and ZIP code, then verify
your identity.
We're looking out for you. Wa ramaln focused on the haalth and welFbelhg of our customers and
‘associates, and well continue to stay on top of what's happening during the parkiemic so we can best
‘support you.
Consumers are sntitlad to one free credit report per year. To request yours call 1-877-922-8228 or visit
annualereditreport.com
45500112 00002880 MM coo028s00 ooconi0es
2
a ve
PAGE
4 OF 4
Ss
Your Victoria's Secret Credit Card account agreement
This Agreement covers the Terms and Conditions of your account with us. In this decument, you will find
important information about using and managing your account, including a Privacy Statement and
information concerning your billing rights. Your use of the account, or failure to close the account within the
30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the
assessment of any interest charges and fees.
Section | of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the
event of a dispute.
. You have a right to reject this Arbitration Prov: mn.
. If you do not reject this Arbitration Provision, it will be part of this Agreement and will
° Eliminate your right to a trial by jury; and
} Substantially affect your rights, including your right to bring, join in or participate in class
proceedings.
. Section | does not apply to Covered Borrowers under the Military Lending Act. See Section J
below.
Please read each section carelully and keep this document for your records.
In the following sections, you will find information on:
Financial terme of your account: An at-a-glance summary of the lees and charges associalad with your account
Getting started: the basics of your account
Keeping your account in good standing: avoiding default, and what to do if your card is fost or stolen, as applicable
Learning mare about your account: cracit plans, credit limits, and how payments are calculated and applied
Imerest, fees and charges: when and how lees and costs are applied to your account
Other Important Information: legal rights, costs, and how we'll handle changes to your account
Disputes and reporting to consumer reporting agencies: dala we pravide, and receive from, consumer reporting agencies,
and what fo do if you think here is an error on your periodic statement
Optional products: how to protect your account from fraud or theff, and infarmation on services that can help pay your debt in
case of emergencies
Communicating with us: what happens when you contact us
Arbitration and jury trial waiver: how welll resolve disagreements, inclucing a jury trial waiver and Arbitration provision
Important Information for Covered Borrowers under the Milltary Lending Act
Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make
Financial terms of your account
Annual Percentage Rate 24, 99%
(APR) for Purchases This APR will vary with the market based on the Prime Rate.
Your due date ts at least 25 days after the close of each billing cycle.
How to Avoid Paying
We will not charge you interest on purchases if you pay your entire
Interest
balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00 per
credit plan
For Credit Card Tips from To learn more about factors to consider when appiying for or
the Consumer Financial using 4 credit card, visit the website of the Consumer Financial
Protection Bureau Protection Bureau at htto:/www.consumerfinance.gov/learnmore.
aed
. Annual Fee None
Penalty Fees
. Late Payment Up to $40.00
. Returned Payment Up to $25.00
How We Will Calculate Your Balance: We use a method called “daily balance." See your Account
agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is
provided in your account agreement.
Rate Information: The foliawing chart provides details on your rate as of May 1, 2020. We divide the APA by 365 to determine the
daily periagic rate.
Add to Index, APR Daily Periodic Rate
Purchase APR 21.74% 24.99% 0.06846%
iFlhis Agreement was provided to you at point of sate, see the Agreement sent with your new account welcome package for variable
APR information in effect within 30 days of mailing.
We'll charge you a minimum interest charge of $2.00 per credit plan for any billing period i which Interest Is due. For additional
information, see Rates in Section
Minimum Payment:
The amount you must pay each billing period ("Total Minimum Payment”) is the total of minimum payments for Regular Revolving and
promotional Credit Pian purchases plus any Pasi Due amounts. The Total Minimum Payment won't be less than $35.00. If your
Account balance is less than $35.00, you must pay {he amount indicated on your billing statement (“Statement”) in full, The minimum
payment due for each Reguiar Revolving Gredit Pian will be the greater of:
(8) $5.00; or
(b) 5% of the New Balance shown on your Statement for that Credit Plan (rounded down to the nearest $5.00),
See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.
The APR information described is accurate as of May 1, 2020. Due to a change in the index, this information may have changed. To
find out mare, call us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus,
Ohio 43218-2273 or visit our website at vsangelcard.com.
A. Geiting Started
Definitions
In this Agreement, "We," Us" and “Our* mean Comenity Bank and any successor or assigns. "You" and “Your” mean each person
who submits an appiication ar solicitation for an Account with us. \ccount” means your credit card account with us. “Card” means
each credit card we issue for your Account, as applicable. "Credit Plan* means ona or mora payment pragram options Victoria's Secret
may ask us to offer from time to time.
Upholding your Agreement
° You agree to the ierms of this Agreement, and promise to do everything required of yau. If you sign or submit an application or
solicitation to obtain credit from us, you'll be tegally bound by this Agreement. You're also legally bound if you sign a charge slip,
or permit someone else to use the credit provided.
You agree that the credit extended under your Account will be used only for personal, family or household purposes and nat for
business or commercial purpose.
If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly
and individually responsible for repaying all amounts due. If more than one persan is responsible for this Account, we will only
provide billing statements and communications to one of you.
Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with the
individual name of an authorized user embossed on the Card. if you want to revoke the use of your Account by an authorized
user, either write us ai the address, or call us at the phone number, shown on your Statement.
. You agree to pay for all transactions made on your Account by an authorized user, whether or not such fransactions were
authorized by you or made for your benefit.
Card signature (as applicable)
For your own protection, please sign your Card before using il. Keep in mind that your signature on the Card isn’t a prerequisite to
your obligation to pay amounts incurred on your Account.
Using your Account
. Your Account may be used to make purchases from Victoria's Secret and offer retailers we may determine occasionally by
notifying you via electronic mail, statement message, website posting, or other method.
. We reserve the right fo not honor transactions related to, including. bul not limited lo, gambling, ATM usage al casinos, and
itegal activities,
Making payments
. Pay your Account by sending 4 check, money order, of cashiers check payabte in U.S, dollars, to the name and address shown
on your Statement spocitied fer payments. Please don't send cash.
. Be sure to include your payment siub, da nat staple your payment to the stub, use the envelope provided with your Slatement
and don't send any correspondence with your payment.
If your payment doesn’t meet these requirements, It may not be credited fo your Account for up to five days, or may be rejected.
All writen communications conceming disputed amounts, including any check or offer payment instrument marked wilh
“payment in full” or similar language, must be sent to 6550 Nori Loop 1804 East, Suite 101, San Antonio, Texas 78247-5004.
° We may accept a payment sent to any other address without losing any of our rights.
° No payment shall operate as an accord and satisfaction without our prior written approval.
B. Keeping your account in good standing
Avoiding default
You'll be in default under this Agreement if you:
Fail io make any payment when due
Violate any provision of this Agreement
Pass away
Become the subject of bankruptcy or insolvency proceedings:
Supply us with misieading, false, incomplete or incorrect information
Are unable or unwilling to perform the terms or conditions of this Agreement
Fail lo supply us with any information we deem necessary
Detaull under any other laan or agreement you have with us or any of our affiliates
Become incompetent
Exceed your Credit Limit
issue a payment returned unpaid by your bank for any reason
If we consider your Account in detaull, we may suspend your abilily to make charges, clase your Account, require you to pay the full
amount you owe immediately or lake any other action permitted by law. It applicable law requires us to de so, we'll tell you in advance
andifor give you the opportunity to remedy your default
Reporting a lost ar stolen card (as applicable)
if you notice the loss or theft of your credit Gard ar a possible unauthorized use of your card, you should write to us immediately at PO
Box 182273, Columbus, Ohio 43218-2278 or call us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788}. You will not be fiable for any
unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs belore your notice to.
us. In any case, your fiability will not exceed $60.
C. Learning more about your account
Credit Plans
. Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans.
Credit Plans offered and their particular features (including bul not limited fo minimum purchase requirements and minimum
payment) may vary occa
Preview
230S-AC00113 Aen XHIBIT A BILL OF SALE Comenity Bank (“Seller”), for value received and pursuant to the terms and conditions of that certain Credit Card Account Purchase Agreement dated October 25, 2019 between Seller and Midland Credit Management, Inc, (“Purchaser”), its successors and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of the Closing Date of April 20, 2021 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedule 1 (the “Asset Schedule”) attached hereto and made part hereof for all purposes, to Purchaser, The information contained in the Sale File (collectively, “Seller’s Accounts Information”) is true and complete as of the File Creation Date. Further, all of the information contained in Seller’s Accounts Information (a) constitutes Seller's own business records regarding the Accounts and (b) accurately reflects in all material respects the information about the Accounts in Seller’s possession. All of Seller's Accounts Information has been kept in the regular course of Seller’s business, and was made or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained in Seller’s business records, or (ii) who caused the data to be entered into and maintained in Seller’s business records. All capitatized terms used, but not defined, in this Bill of Sale shall have the meanings assigned to such term in the Credit Card Account Purchase Agreement. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. COMENITY BANK Midland Credit Management, Inc. By fOr ace (G94 By: Date: S/FY/2 4 Date: _ 6/1/2021 Title: Chief Credit Officer Title MVP of Business Development Field Field Data Account Number 0 Seller Account ID 729318883 First Name KRISTIN Last Name HICKMAN SSN XXX-XX Date of Birth a Address 1 42546 HIGHWAY 52 City META State MO Zip 65058 Home Phone 5732294604 Open Date 12/02/2014 Last Purchase Date 03/10/2020 Last Purchase Amount $69.05 Last Payment Date 08/14/2020 Last Payment Amount $70.00 Sale Amount $610.28 Charge Off Date 03/31/2021 Charge off Balance $610.28 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Affinity VICTORIA'S SECRET Alternate Account #1 Account information provided by Comenity Bank pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 04/20/2021 in connection with the sale of accounts from Comenity Bank to Midiand Credit Management, Inc. MCMG_HF_APRIL_2021_DPL_CB.TXT; MCMG_HF_APRIL_2021_LCS_CB.TXT Midland 360 Carino De La Reina fram Credit su Welcome, Your account has a new home 7 Management’ San Diego, CA 92108 1/27/2022 Account Transfer Details Original Creditor COMENITY BANK Original Account Number XIHA P17 7333 014 Be Current Servicer Midland Credit Management, Inc. Kristin Hickman MCM Account Number 42546 Highway 52 Current Owner Midland Credit Management, Inc. Meta, MO 65058-3037 Current Balance $610.28 Apt! fo et loally yt ented Flexible payment options available RE COMENITY BANK VICTORIA'S SECRET Account at a Glance Dear Kristin, Current Balance Welcome! On 4/20/2021, your account was sold to Midland Credit Management, Inc., which is now $610.28 the soie owner of this debt, Midland Credit Management, Inc. (“MCM"), a debt collection company, will be collecting on and servicing your account. Flexible payment options available To welcome you to MCM, we'd like to offer you an opportunity to resolve this account with no further letters or phone calls. Receive Personalized Service MCM is a different kind of debt collector. Here is what to expect: —A dedicated Account Manager will be assigned to your account Begin your path to your financial —We will reach out to you by phone freedom TODAY! MCM, a partner you can trust. BILL OF RIGHTS: We value your experience and understand that managing debt can be a difficult processt That is why we set standards for how you are to be Reply by treated while working with us. Call 877-452-7959 to experience the 6/11/2021 difference for yourself, MidlandCredit.com Sincerely, Cail 877-452-7959 Tim Bolin Mon-Fri 8am - Midnight ET Division Manager Sat-Sun: 8am - 7:30pm ET ‘We are not obligated to renew any offers provided. 5 Midland Credit Management, Inc. S&S MidlandCredit.com gS 877-452-7959 PO Box 3010! Los Angetes, CA 90030-1030 —----- Ee PLEASE SEE REVERSE SIDE ee FOR eae IMPORTANT DISCLOSURE eae ema mn INFORMATION oe —----~- Oo cee ee amthe reverse side, | @® Manag je Your Account Online MCM Account Number MidlandCredit.com Current Balance — 28 Uni SOMEUl Stet=\'ZRA=1A LOK AAA Ueda Total Enclosed Midland Credit Management Enter your MCM Account # on all payments Mall Payments to: Midtand Credit Management, Inc. PO Box 301030 877-452-7959 Los Angeles, CA 90030-1030 se habla espafiol 877-684-0209 ‘yoo. Important Disclosure Information Please understand this is a communicatian trom a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Unless you notify MICM within thirty (30} days after receiving this notice that you dispute the validity of the debt,or any portion thereof, MCM will assume this debt to be valid. if you notify MCM, in writing, within thirty (30) cays after receiving this notice that the debt, or any portion thereof, Is disputed, MCM will abtain verification of the debt or a copy of a judgment {if there is a judgment) and MCM will mall you a ‘copy of such verification or judgment. If you request, in writing, within thirty (30) days after receiving this notice, MICM will provide you with the name and address of the original creditor. ePUr oaks ea Denti Te mitoses ES LeU Original Creditor COMENITY BANK Current Creditor Midiand Credit Management, Inc. Original Account Number | xxxxxxxxx0084 Current Servicer Midland Credit Management, Inc. Charge-Off Date 3/31/2021 Charge-Off Balance $610.28 UD AS SLR a ced ents te Send disputes or an instrument tendered as Physical Payments for Colorado Residents: anata ¢ redit Management, Inc. full satisfaction of a debt to: Colorado Manager, Inc. PO Box 301030 Attn: Consumer Support Services 8690 Wolff Court, Suite 110 Los Angeles, CA 90030-1030 320 E Big Beaver fd. Suite 300 Troy, Mi 4808: Westminster, CO 80031 You may also call: 877-452-7959 Phone (303) 920-4763 The records associated with the COMENITY BANK. account purchased by Midland Credit Management, inc., reflect that you are obligated on thls account, which is in default. As the owner of this account, but subject to the rights described above, Midland Credit Management, Inc. is entitled to payment of this account. All communication regarding this account should be addressed to MCM and not the previous owner. If an attorney represents you with regard to this debt, please refer this letter to your attorney, Likewise, if you are involved in an active bankruptcy case, or if this debt has been discharged in a bankruptcy case, please refer this letter to your bankruptcy attorney so that we may be notified. Please remember, even if you make a payment within thirty (30) days after receiving this notice, you still have the remainder of the thirty (30) days to exercise the rights described above, As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail #0 tuffill the terms of your credit obligations. We are required under state law to notify consumers of the following additional rights. This list does not contain a complete tIst of the rights consumers have under applicable flaw: NMIS ID: 934164 JF YOU LIVE IN CALIFORNIA, THIS APPLIESTO YOU: The state further communication with the consumer. A written request to Rosenthal Fair Debt Collection Practices Act and the federat Fair Debt cease communication will not prohibit the debt collector or collection Collection Practices Act require that, except under unusual agency from taking any other action authorized by law to collect the circumstances, collectors may not contact you before 8 a.m. of after debt. 9 p.m. They may not harass you by using threats af violence or arrest IF YOU LIVE IN MASSACHUSETTS, THIS APPLIESTO YOU: NOTICE OF or by using obscene language. Collectors may not use false or IMPORTANT RIGHTS: You have the right to make a written or oral misleading statements or call you at work if they know or have reason request that telephone calls regarding your debt not be made to you to know that you may not recelve personal calls at work. For the most at your place of employment. Any such oral request will be valid for part, collectors may not tell another person, other than your attorney only ten (10) days unless you provide written confirmation of the or spouse, about your debt. Cofiectors may contact another persan to request postmarked or delivered within seven (7) days of such confirm your location or enforce a judgment. For more Information request. You may terminate this request by writing to MCM. about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or http://www.ftc.gov. IF YOU LIVE iN NORTH CAROLINA, THIS APPLIES TO YOU: North Nonprofit credit counseling services may be available in the area. Caralina Department of Insurance Permit #102659, #4182, #4250, IF YOU LIVE IN COLORADO, THIS APPLIES TO YOU: #3777, #114895, #112039, #113170, #113236 and #112678. Midland FOR iNFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION Credit Management, Inc. 350 Camino De La Reina, Sulte 100, San PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICESECTIONS/ Diego, CA, 92108, ‘CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/ 'F YOU LIVE IN TENNESSEE, THIS APPLIES TO YOU: This collection COLLECTION-AGENCY-REGULATION/. A consumer has the right to agency is licensed by the Collection Service Board of the Department request in writing that a debt collector of collection agency cease of Commerce and Insurance. DVALA anne a a By providing your telephone number below, you authorize MCM or its agents to contact you regarding your account at such number by any means, inckiding calling, texting, using automated dialer systems and automatic telephone dialing systems, and using pre-recorded or artificial voice messages. By providing your e-mail address below, you agree to receive electronic mail communications from MCM or its agents regarding your account at such e-mail address and confirm that such e-mail address is not furnished or owned by your employer. Street Address | city [ | state [ ] ze | Email | ] cettPhone | Work Phone [ Home Phone | PAGE 10F 4 mt o m ‘Accountno. oon New balance $810.28 Minimum payment due $185.00 Previous batance $558.15 Payment due date odfrzi2024 Payments Late payment warning: Other credits 0.00 If we do not recelve your minimum payment by 04/12/2021 you may Purchases 0.00 haveto pay up to a $40.00 late fe. Other debits 0.00 Fees charged 40.00 Minimum payment warning you make only the renimum Interest charged 12.18 payment for each period, you wil pay more i interest and 4 will take, lewbe ‘$610.26 ‘you longerto pay off your balances. For example: Past due amount 185.00 Ifyou make no additional ‘You will pay oft | And you wilt Creath tit $400.00 charges using this card the balartes shown | end up payingan| Available credit ‘and each month you pay: ‘onthe statement ‘estimated total ‘Statement closing date ovr in about Days inbilling cycle Ghiy the minimurn payment 22 months ‘$768 For Information regarding crac counseling services, coal 1-800-284-1 ‘Skip signing in to pay and use Comenity's EasyPay. It's safe and convenient. Use your smartphone camera or code reader to scan the QR code printed on your payment stub betowto get started. ir creat Eo "TRANS DATE, ‘TRANSACTION DESCAIPTIONLOCATION AMOUNT Fees oa2/2021 LATE FEE 40.00 Total fees oheroet {for this perlod $40.00 interest chatged Interest charge on purchases $12.13 Total interest for this period $1213 2021 totals year to date ‘Total fees charged in 2021 $120.00 ‘Total interest charged in 2024 $92.04 [ees ese al ‘Your Annual Percentage Rate (APA) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD ‘on page 2 for more details, Minimum interest charge may exceed interest charge below, per your credit card agreement, Tyree. BAL ANGE SUBJECT eres APR ‘TO INTEREST RATE Purchases 24,9900% (u) 871.67 (DA) 12.18 CCI ear ey IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minium amount shown on statement before the end of this month. If you ara not able to pay the Minimum Payment amount, we will Still be abla to assist you and pravant your account from being written off. Call us at 1-855-617-8089 (IDDATTY 1-800-695-1788) anc we will ind a Suitable payment betore the end of this month. If written off, INEDY a NORE ou oy einer ean “Recount seas sees Mi umber frien payment VICTORIA'SOND SI4EET LONDON SECRET 904 soa $195.00 |" Ci have moved or updatedmy jaaciress ~36e. Amount,on Malled ts must reat us by Spm ET Please make checic payaiie to: COMENITY - VICTORIA'S SECRET wlohe the lieben Please return this portion alkng with your payment to: KRISTIN HICKMAN, PO BOX 659728 META MO 65058-2087 SAN ANTONIO TX 78265-9728 AU gb love tooos tengo Bove fog UIE 4S9001Le O000L874 Mle BM ococo1esoo ooooe1o2s Keen portion for your records. CREDIT REPORTING. What To Do If You Think You Flad& Mistake On Your Statement ciadit boyeaus, Lale Wu ayo gla about your acenunlto payment, oF ober dei on your fy think ther isan anor an you ttm tous a: Comerty Secon ay be fllsled Inout ces ep Bar 182782, Colemas, Ohio 43218 NOTICE OF CREDIT REPORTler DIS vg eed to css ening ie eer, uste oll fara: My ble the acc re and acai muribe. ney Is Inseeat, subealt &4 ‘spite to Carenity Bank PO ® Dollar amount the dol arent ofthe suspactes eo. Box 182789, Dohumus, Ohio 4 88ers pat et Description of Protea: It yu tink tere isan eror on your wu, provide sficlent infration te unt and Spee ‘describe wal you believe Is wrong, and Delleveiis a mistake. "Recount information: Your name and account number ‘You must contact us within 6 days ater the ext appeareden yor Cortact slaloment, + Dia i Ifccmation: Idenlily the account rformation cspated anal You musty sof aypeal as nang, raya ta Salant yu bal I sora at I aailable, providea copy of the section of Eetopey neonout ingestion any poteial eros a you * fe bintopet stoning the sccm arate yo oe dsp Ye wo investigate wheterorn hae fas bara oth fora ‘wiles the pte ineration an the caus to Fe cannot try tocallent the amount question, or ape yea as elindhate ofsoem, recap feral of the Infor atl posted f s for our lvestigation naccurale, delinquent on that mount. prorply lowhich necessary covraction To each ecard PAH providewo ruported + Thecharge In question may remain cn yur statemast, and We agency the infaration, continue to charge you interest on that armour But if we determine that BAY NTS dispoted ares WARKED PAID IN FULL, ton comruriealins agrcirg wa made a mistake, you wil not have to pay the amount in question or ones a ‘lutea soot at 80 foyer aeeos bet that area Noah Sulte 101,MEMSin1 to ot ave to py the amount in question,you aie responsible pe nor hie eine Ss tert emai oyu belne + We can apply any unpaid amount against your era it our E00 payne sent bay erates Wit keg ny of our Rights W You Are Diseatistod With Your Creat Cond Perchases He pret it DE shalopeat a accord and sista wit el Hyyouae aati ite go, 6 sareos tet you hve purchased SERVICE. Vist coma pnetietvtensecret o eal fed fn good faith ta covect the Saonees one DOTY £00 1788). rover the Tasca none ‘he ght not to py te erating ‘maunt due on the pacha TELEPHONE MONITORING. To provide you with bigh-auality service, pone Pam the ata of he lowing mos in: coninunication with as Is ranieved ander repo. ries. yourcase tall essa in yourheer ba stato ox within 0 wo (nthe frontAL of INFORMATION, your stateme Theo ong dsiaions,when appearing been ct $90. (Ate thar ofthese is ec 0 you or we oun the‘ares WIT Pa vanns WANE INTERES eRe sa sd eave erent wel ld thatldo th thgodsjour ce cart forthe puchate. Puchases earn SEGUIRED: Ow Wi ahs RANE RIESE LOWINTEREST, BRLEN EQUAL PAYMENT, WW sithachat ran ATI vila chock Wat accesses yer means DEFER INTE(EST, PAYMENT REQUIRED; DEF INT £Q PY means and account [Son must no jet have fypei fr tha purchase. INTERES, REST, LOW BAVENTand LOWAPA EO PAY mans MY APR, PAN ri Ul tei ti aroma ae yay tl desith the Yu may say yar ou atanoe at aye elo pensiy.yar. Soiombas.i, Ohio A328 sn 27a2. wing a: Cmenity Bank PO Box 282782, Send al to: CUSTOMER SERVICE, FO Bar 182275, Combs Oh. ‘ie wa rent Ue sessed above. "ve sh ob investzaton, same les ape to tha dgulad oa Send all ‘ky ns you oe SanctpeyDrvtvert PO Bor ALISCorosi sais cle Ab pin ‘we may repeat you as dellnmvert Ie thn your owen amu an ou de ay NOTICE ABOUT eLecTrcG thaHoty 0 AVOID PAYING INLENEST. a, We vlYourokdz dale tos 25 dp ates ‘om purchases speck ohoer ia ectoeet und alouse romIviesics rng your sczourt orto you sea thn cn cee min iieufdtein ick teansaction, When ve use infertai rare ‘Speintaent on ne pcs fie cnek ab hate ind er ine tn tx Biel Payment Coa an faerie cal tow APR. I Payroat purchase rom your sccoura: you vl pl ceehc jay chek took Nemcr"ve franc tes” BALANCE ‘each balanceCOMPUTATION using lhe method) METHOD.described We cleft bela. aos cl serachor riheass rst fh Ealance Subject to ert Rate clu the Rioye ge aul secon ons ean corespes the {steaie totingusteCay lonees chong vieiting ionte alarea ofan he gle tarpon and ees ang stil a ares tiara i balancems aera ess te cally che) gute Tint chp ie Staines by opi gl periodic fate‘average othe daily"average balance” we take the begietng bal psi,To get the d ily balance” fx the bing naw esactions and fees and subtracta mers o edits (real ‘uy ‘Toon,rtwecredit upbalance att theasadallyze10balances balance),forthe i sth ‘ugh ye ‘wunor adcl etlilleg paiod tale of dsp nthe bling pari. Th gies ete eveaae fy ot bored w pas ment duo dats by the lew Usted blow, If 40 do not receive payment Ako, Your pain rt facto Dy sheIn ann conect ell FerraTs(lined baton) toit Tenant tha Toyah yack eho torte a ue day, era be eerted hel apes SengeFo Care oma fr een payment mandsie iiekcrent ighti Sida stub pe alaeahieeraley Tanias wc cae checkparableIn ells, tte ame and adios cp your payment the sub, cide jor acou si ‘yout checkue tneragepea hy uc‘Stalerent, joe pyri, det ipl rant sch ano peyment, ovr a pao 08 fa, 1 78547 5004 sie atone fat Marked og caseae the sare a8 ct ress risaap tookat Ai hei 1, icheasa youato ake payne epee acho ich gitelude may cniicates a fe, Gane Ya Yetican ca Make a ea os tole a Darvin Corenhote triacetate te Ter, Pg cl melange prmuns3 to due data on ths Staternont fhefalsornglanes anon eat he860 Youre) pan Erne 8 ay By Pe: ‘6.0 po (1 Online: By 6:00 fnpx,tha‘eran stub aren atthe store: Uy the lime 9 farmation Tila (optional) First Name tar Last Name Soe. See, No, Street Addiess Apt. No. RR PO Box city state Zip Code — Foreign ¥ap Code Heme Phone Work Phone Email Address “PAGE OF 4 ml in ted the bad debt will be reported to the three major credit bureaus and our Recovery team wilt determine the appropriate steps, as permitted and available under applicable law, to protect our interests. Alfected by COVID-19? Comenity Sank Offers Support As the bank that manages your credit card, our hearts go out to those affected by the coronavirus {COVID-19) pandemic. The support we're extending te you. If you're experiencing financial hardship because of COVID-+9, please call 1-800-695-9478 (IDD/TTY: 1-800-695-1788) to ulscuss how we may be abia to halp. Account Center Is avaltable 24/7 for you to manage your VICTORIA'S SECRET account confine. You can maka payments and view your balance, vansactions and statements onfine. Not yet registared? Viskt comenity.net/victorlassecrel, enter your VICTORIA'S SECRET credit card account ‘number and ZIP code, then verify your identity. We're looking out for you. Wa ramaln focused on the haalth and welFbelhg of our customers and ‘associates, and well continue to stay on top of what's happening during the parkiemic so we can best ‘support you. Consumers are sntitlad to one free credit report per year. To request yours call 1-877-922-8228 or visit annualereditreport.com 45500112 00002880 MM coo028s00 ooconi0es 2 a ve PAGE 4 OF 4 Ss Your Victoria's Secret Credit Card account agreement This Agreement covers the Terms and Conditions of your account with us. In this decument, you will find important information about using and managing your account, including a Privacy Statement and information concerning your billing rights. Your use of the account, or failure to close the account within the 30 days of receiving this document, indicates your acceptance of the terms of this agreement, including the assessment of any interest charges and fees. Section | of this Agreement also includes a Jury Trial Waiver and an Arbitration Provision in the event of a dispute. . You have a right to reject this Arbitration Prov: mn. . If you do not reject this Arbitration Provision, it will be part of this Agreement and will ° Eliminate your right to a trial by jury; and } Substantially affect your rights, including your right to bring, join in or participate in class proceedings. . Section | does not apply to Covered Borrowers under the Military Lending Act. See Section J below. Please read each section carelully and keep this document for your records. In the following sections, you will find information on: Financial terme of your account: An at-a-glance summary of the lees and charges associalad with your account Getting started: the basics of your account Keeping your account in good standing: avoiding default, and what to do if your card is fost or stolen, as applicable Learning mare about your account: cracit plans, credit limits, and how payments are calculated and applied Imerest, fees and charges: when and how lees and costs are applied to your account Other Important Information: legal rights, costs, and how we'll handle changes to your account Disputes and reporting to consumer reporting agencies: dala we pravide, and receive from, consumer reporting agencies, and what fo do if you think here is an error on your periodic statement Optional products: how to protect your account from fraud or theff, and infarmation on services that can help pay your debt in case of emergencies Communicating with us: what happens when you contact us Arbitration and jury trial waiver: how welll resolve disagreements, inclucing a jury trial waiver and Arbitration provision Important Information for Covered Borrowers under the Milltary Lending Act Privacy statement: how we collect, use, share, and protect your personal information; and the privacy choices you can make Financial terms of your account Annual Percentage Rate 24, 99% (APR) for Purchases This APR will vary with the market based on the Prime Rate. Your due date ts at least 25 days after the close of each billing cycle. How to Avoid Paying We will not charge you interest on purchases if you pay your entire Interest balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00 per credit plan For Credit Card Tips from To learn more about factors to consider when appiying for or the Consumer Financial using 4 credit card, visit the website of the Consumer Financial Protection Bureau Protection Bureau at htto:/www.consumerfinance.gov/learnmore. aed . Annual Fee None Penalty Fees . Late Payment Up to $40.00 . Returned Payment Up to $25.00 How We Will Calculate Your Balance: We use a method called “daily balance." See your Account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Rate Information: The foliawing chart provides details on your rate as of May 1, 2020. We divide the APA by 365 to determine the daily periagic rate. Add to Index, APR Daily Periodic Rate Purchase APR 21.74% 24.99% 0.06846% iFlhis Agreement was provided to you at point of sate, see the Agreement sent with your new account welcome package for variable APR information in effect within 30 days of mailing. We'll charge you a minimum interest charge of $2.00 per credit plan for any billing period i which Interest Is due. For additional information, see Rates in Section Minimum Payment: The amount you must pay each billing period ("Total Minimum Payment”) is the total of minimum payments for Regular Revolving and promotional Credit Pian purchases plus any Pasi Due amounts. The Total Minimum Payment won't be less than $35.00. If your Account balance is less than $35.00, you must pay {he amount indicated on your billing statement (“Statement”) in full, The minimum payment due for each Reguiar Revolving Gredit Pian will be the greater of: (8) $5.00; or (b) 5% of the New Balance shown on your Statement for that Credit Plan (rounded down to the nearest $5.00), See Minimum Payment in Section C below for promotional credit plan minimum payment calculations. The APR information described is accurate as of May 1, 2020. Due to a change in the index, this information may have changed. To find out mare, call us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788), or write us at Comenity Bank, PO Box 182273, Columbus, Ohio 43218-2273 or visit our website at vsangelcard.com. A. Geiting Started Definitions In this Agreement, "We," Us" and “Our* mean Comenity Bank and any successor or assigns. "You" and “Your” mean each person who submits an appiication ar solicitation for an Account with us. \ccount” means your credit card account with us. “Card” means each credit card we issue for your Account, as applicable. "Credit Plan* means ona or mora payment pragram options Victoria's Secret may ask us to offer from time to time. Upholding your Agreement ° You agree to the ierms of this Agreement, and promise to do everything required of yau. If you sign or submit an application or solicitation to obtain credit from us, you'll be tegally bound by this Agreement. You're also legally bound if you sign a charge slip, or permit someone else to use the credit provided. You agree that the credit extended under your Account will be used only for personal, family or household purposes and nat for business or commercial purpose. If the Account is a joint Account, you and the joint Account holder will be bound by this Agreement. Each of you will be jointly and individually responsible for repaying all amounts due. If more than one persan is responsible for this Account, we will only provide billing statements and communications to one of you. Any authorized user of your Account will be bound by the terms of this Agreement. One additional Card may be issued with the individual name of an authorized user embossed on the Card. if you want to revoke the use of your Account by an authorized user, either write us ai the address, or call us at the phone number, shown on your Statement. . You agree to pay for all transactions made on your Account by an authorized user, whether or not such fransactions were authorized by you or made for your benefit. Card signature (as applicable) For your own protection, please sign your Card before using il. Keep in mind that your signature on the Card isn’t a prerequisite to your obligation to pay amounts incurred on your Account. Using your Account . Your Account may be used to make purchases from Victoria's Secret and offer retailers we may determine occasionally by notifying you via electronic mail, statement message, website posting, or other method. . We reserve the right fo not honor transactions related to, including. bul not limited lo, gambling, ATM usage al casinos, and itegal activities, Making payments . Pay your Account by sending 4 check, money order, of cashiers check payabte in U.S, dollars, to the name and address shown on your Statement spocitied fer payments. Please don't send cash. . Be sure to include your payment siub, da nat staple your payment to the stub, use the envelope provided with your Slatement and don't send any correspondence with your payment. If your payment doesn’t meet these requirements, It may not be credited fo your Account for up to five days, or may be rejected. All writen communications conceming disputed amounts, including any check or offer payment instrument marked wilh “payment in full” or similar language, must be sent to 6550 Nori Loop 1804 East, Suite 101, San Antonio, Texas 78247-5004. ° We may accept a payment sent to any other address without losing any of our rights. ° No payment shall operate as an accord and satisfaction without our prior written approval. B. Keeping your account in good standing Avoiding default You'll be in default under this Agreement if you: Fail io make any payment when due Violate any provision of this Agreement Pass away Become the subject of bankruptcy or insolvency proceedings: Supply us with misieading, false, incomplete or incorrect information Are unable or unwilling to perform the terms or conditions of this Agreement Fail lo supply us with any information we deem necessary Detaull under any other laan or agreement you have with us or any of our affiliates Become incompetent Exceed your Credit Limit issue a payment returned unpaid by your bank for any reason If we consider your Account in detaull, we may suspend your abilily to make charges, clase your Account, require you to pay the full amount you owe immediately or lake any other action permitted by law. It applicable law requires us to de so, we'll tell you in advance andifor give you the opportunity to remedy your default Reporting a lost ar stolen card (as applicable) if you notice the loss or theft of your credit Gard ar a possible unauthorized use of your card, you should write to us immediately at PO Box 182273, Columbus, Ohio 43218-2278 or call us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788}. You will not be fiable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs belore your notice to. us. In any case, your fiability will not exceed $60. C. Learning more about your account Credit Plans . Your Account may consist of a non-promotional ("Regular Revolving") Credit Plan and one or more promotional Credit Plans. Credit Plans offered and their particular features (including bul not limited fo minimum purchase requirements and minimum payment) may vary occa