Exhibit 99.1

FOURTEENTH ADDENDUM TO APPENDIX A OF

FOURTH AMENDED AND RESTATED SERVICE AGREEMENT

This Fourteenth Addendum to Appendix A (the “Addendum”) is to that certain Fourth Amended and Restated Service Agreement dated June 1, 2022 (the “Agreement”) and is entered into as of this 31st day of October, 2023, by and between Comenity Bank (“Bank”), a Delaware state bank, with its principal place of business at One Righter Parkway, Suite 100, Wilmington, Delaware 19803 and Comenity Servicing LLC (“Servicer”), a Texas limited liability company with its principal place of business at 3095 Loyalty Circle, Columbus, Ohio 43219.

RECITALS

WHEREAS, Bank and Servicer entered into that certain Agreement to outsource certain services to Servicer; and

WHEREAS, Bank and Servicer desire to modify certain Performance Standards set forth in Exhibit A to the Agreement.

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:

1. Performance Standards. Bank and Servicer agree to amend the Performance Standards set forth in Appendix A to the Agreement, such that certain Performance Standards are hereby amended as set forth in further detail in Exhibit A hereto.

2. Effective Date: The amendments to the Performance Standards, as set forth in Exhibit A hereto, shall be effective as of August 1st, 2023 (the “Fourteenth Addendum Effective Date”).

3. Miscellaneous. Capitalized terms not otherwise defined in this Addendum shall have the meanings assigned to them in the Agreement. Other than as set forth above and in Exhibit A hereto, the parties agree that the Agreement, as amended by this Addendum, shall continue in full force and effect. The parties may execute this Addendum in one or more counterparts, each of which shall be deemed an original, but all of which shall constitute but one and the same instrument.

Fourteenth Addendum to Appendix A of

Fourth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

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IN WITNESS WHEREOF, the parties have caused this Addendum to be executed by their authorized officers effective as of the Fourteenth Addendum Effective Date.

Comenity Bank

By: /s/ Baron Schlachter

Name: Baron Schlachter

Title: Comenity Bank President

Comenity Servicing LLC

By: /s/ Tammy McConnaughey

Name: Tammy McConnaughey

Title: EVP, Chief Credit Risk and Operations Officer

Fourteenth Addendum to Appendix A of

Fourth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

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EXHIBIT A

SECTION I: SERVICES AND PERFORMANCE STANDARDS APPLICABLE TO ALL COMENITY BANK PRODUCTS

1.    Amendments. Set forth below is a revision to an existing Performance Standard, which shall be incorporated into Appendix A to the Agreement.

Service	Performance Standard	Measuring Period	Amended/ Added
Security •    Determine Critical Infrastructures and provide physical security staffing based on the critically of the physical location and how immobility would impact business operations. •    Provide video surveillance security for Critical Computing Centers and general office space. •    Create and disseminate safety policies and procedures.	Video surveillance is maintained at 90 days for Critical Computing Centers (e.g., Data Centers, Critical Server Rooms, etc.) and 31 days for general office space.	Q	Amended

Fourteenth Addendum to Appendix A of

Fourth Amended and Restated Service Agreement

Comenity Servicing LLC / Comenity Bank

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