Exhibit 99.1

AMENDMENT TO THIRD AMENDED AND RESTATED SERVICE AGREEMENT

THIS AMENDMENT TO THE THIRD AMENDED AND RESTATED SERVICE AGREEMENT is made as of this 20th day of February, 2020 (the “Effective Date”) by and between Comenity Bank (“Bank”), a Delaware state bank, with its principal place of business at One Righter Parkway, Suite 100, Wilmington, DE 19803 (hereinafter referred to as “Bank”), and Comenity Servicing LLC (“Servicer”), a Texas limited liability company with its principal place of business at 3075 Loyalty Circle, Columbus, OH 43219 (“Servicer”).

R E C I T A L S :

WHEREAS, Bank and Servicer entered into that certain Third Amended and Restated Service Agreement dated February 1, 2019 (together with any schedules, exhibits, addenda, and future amendments and addenda hereto, the “Agreement”);

WHEREAS, Bank and Servicer now desire to amend the Agreement as set forth herein;

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

Bank shall pay Servicer for Services provided in accordance with the provisions of Appendix B.  The fee shall become due and payable by Bank not later than the 15th calendar day following the end of the preceding month, provided, however, that if, in the reasonable business judgement of Bank, Servicer fails to meet (i) any single annual Performance Standard, (ii) any quarterly Performance Standard in any two Measuring Periods within a rolling 12 month period, and (iii) any monthly Performance Standard (a) in any two consecutive months, (b) three times in any rolling six months, and (c) five times in any rolling twelve months, then the fee to be paid by Bank to Servicer shall be reduced by two percent (2%) for each Service Standard missed, not to exceed ten percent (10%), for the month following the month in which the triggering failure occurred (the “Following Month”), and that amount, as reduced, shall become the amount which is due and payable by Bank for the Following Month.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their authorized officers effective as of the day and year first above written.

Servicer will provide the following Services to Bank, subject to and in accordance with the Bank’s policies, procedures and directives.  All of such Services shall be provided by Servicer in accordance with the direction of and guidance provided by Bank management and/or in accordance with industry best practices.  The Services will be measured by the corresponding Performance Standards and associated Measuring Periods, as set forth below.

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Servicer and Bank will meet as needed, but no less than annually, to review the Services and associated Performance Standards and Measuring Periods.  Based on that review, Bank will use its business judgment to determine whether (and if so, how) to add, remove, adjust, or otherwise amend any component of the Services, Performance Standards and/or Measuring Periods.  Documentation of such adjustments shall be memorialized in writing and executed by both parties, which writing need not be in the form of a formal amendment to this Agreement, but shall be attached to and become a part of this Appendix A once executed by the parties.

1. Bank agrees to pay Servicer monthly for the Services provided. The fee for Services provided shall become due and payable by Bank not later than the 15th calendar day following the end of the preceding month.

2. Servicer will provide to Bank, no later than the 10th calendar day of each month, a statement of the fees incurred during the immediately preceding month (the “Fee Statement”). Servicer shall assess the fees by (1) calculating the total cost of the Services, as defined in this Agreement and the Third Amended and Restated Service Agreement, dated as of February 1, 2019, by and between Comenity Servicing LLC and Comenity Capital Bank, provided to Bank and Bank’s sister bank, Comenity Capital Bank, (together, the “Total Services”), during the subject month, inclusive of payroll, benefits and Total Services-associated expenses, (2) calculating the amount of that total cost allocable to Bank based on Bank’s statement volume during the subject month, and (3) adding a twelve percent (12%) markup. The parties have agreed (based upon an independent third party study) that a 12% markup is within the reasonable markup range which would be charged by an independent party on an arm’s length basis for the Services provided.

3. Bank is responsible for examining the Fee Statement and promptly reporting any errors or irregularities to Servicer. Bank will remit payment to Servicer no later than the 15th calendar day of the month in which each Fee Statement is received, provided however that Bank may, at its option, deduct $500,000 from the amount due and owing to Servicer in any month (the “Holdback Amount”) as provision against any overbilling by Servicer which may be subsequently discovered.

4. Bank shall be responsible for all sales, use or excise taxes levied on accounts payable by Bank to Servicer under this Agreement, excluding taxes based upon Servicer’s income, employment of personnel or taxes from which Bank is exempt, provided Bank provides Servicer written evidence of such exemption. Undisputed payments shall be made by Bank to Servicer within thirty (30) calendar days after Bank’s receipt of Servicer’s invoice therefor.

5. The parties will meet at least annually to review Servicer’s budgeted costs for the following year for the Services. Based on that review, the parties will use commercially reasonable efforts to determine appropriate adjustments to the forecasted fees and/or markup percentage. Such adjustments and component costs shall be documented in writing executed by both parties, which writing need not be in the form of a formal amendment to this Agreement, but shall be attached to and become a part of this Appendix B once executed by Bank and Servicer.