Third Addendum to Comenity Bank-Comenity Servicing service agreement adds AI, removes vendor management

WFN CREDIT CO LLC

Added services: AI solutions, continuous improvement studies, automation for audit/compliance.
Deleted vendor management service category including due diligence, oversight, and regulatory support.
New IT performance standards for TCS: 95.5% ticket assignment accuracy, 98% handle time <15 min.
Deleted performance standards for check payment processing (5-day), fraud notification (30 days), and deposit fraud investigation (10 days).

item 1.01item 9.01

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