Announcing Two Great Christmas Tree Shops® andTHAT!® Credit Card Options to Choose From

The Christmas Tree Shops® andTHAT!® Credit Card Program

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1 Valid one time only. Duplicate offers will not be accepted. Account must not be in default.

2 Offer is exclusive to Christmas Tree Shops andThat! Store or Christmas Tree Shops andThat! Mastercard® credit card holders enrolled in the Christmas Tree Shops andThat! Rewards program. This rewards program is provided by Bed Bath & Beyond Inc. and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/christmastreeshopsandthat.

3 Offer is exclusive to Christmas Tree Shops andThat! Store or Christmas Tree Shops andThat! Mastercard® credit card holders enrolled in the Christmas Tree Shops andThat! Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes.

4 Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. As of 1/20, terms provided for New Accounts: Variable Purchase APR of 23.99%, 17.99%, and 13.99%. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

5 For bonus earnings, the purchase must post prior to the end of the bonus event. Earnings may take up to 2 billing cycles after the purchase to add to your billing statement. Limit of 1 per cardholder. Offer is exclusive to Christmas Tree Shops andThat! Store or Christmas Tree Shops andThat! Mastercard® credit card holders enrolled in the Christmas Tree Shops andThat! Rewards program. Maximum of $25.

6 For bonus earnings, the purchase must post prior to the end of the bonus event. Earnings may take up to 2 billing cycles after the purchase to add to your billing statement. Limit of 1 per cardholder. Offer is exclusive to Christmas Tree Shops andThat! Store or Christmas Tree Shops andThat! Mastercard® credit card holders enrolled in the Christmas Tree Shops andThat! Rewards program. Maximum of $75.

Credit card offers are subject to credit approval.

Christmas Tree Shops andThat! Store Credit Card Accounts are issued by Comenity Capital Bank.

Christmas Tree Shops andThat! Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.