Terms and Conditions

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VICTORIA'S SECRET ANGEL REWARDS PROGRAM AND CARDHOLDER BENEFITS TERMS ("TERMS")

PART 1: CONTAINS INFORMATION PERTAINING TO THE VICTORIA'S SECRET ANGEL REWARDS PROGRAM

PART 2: CONTAINS INFORMATION PERTAINING TO THE VICTORIA'S SECRET CARDHOLDER BENEFITS

IMPORTANT NOTE: THESE TERMS CONTAIN PROVISIONS THAT LIMIT OUR LIABILITY TO YOU, ELIMINATE YOUR RIGHT TO A TRIAL BY JURY, REQUIRE YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND NOT AS A PART OF ANY CLASS OR REPRESENTATIVE ACTION, AND THROUGH FINAL AND BINDING ARBITRATION. SEE BELOW.

Please read these Terms carefully for important information about your rights and obligations in the Victoria's Secret Angel Rewards Program ("Program") and Victoria's Secret cardholder benefits ("Cardholder Benefits"). By participating in the Program and/or receiving Cardholder Benefits, you agree to these Terms.

In these Terms, "Cardholder", "Participant", "you" and "your" mean the Credit Card Account holder. "Bank" shall mean Comenity Bank or its assignees. "We," "our," "ours," "us," and "Victoria's Secret" mean Victoria's Secret Stores Brand Management, Inc. or its affiliates or assignees. Other capitalized words not specifically defined have the same meaning as in your Credit Card Account Agreement. These Terms contain the entire understanding between you and us regarding the Program and Cardholder Benefits.

The Program and Cardholder Benefits are provided by Victoria's Secret. Victoria's Secret is solely responsible for Program and Cardholder Benefits operation and may withdraw the Program and/or Cardholder Benefits or change the terms of the Program or Cardholder Benefits at any time, without notice to you (subject to notice requirements). The purpose of the Program and Cardholder Benefits is to reward customers for certain uses of their Victoria's Secret credit card ("Card").

FOR THE MOST UP-TO-DATE TERMS, PLEASE VISIT
http://WWW.VICTORIASSECRET.COM/VSANGELREWARDTERMS

PART 1: ANGEL REWARDS PROGRAM TERMS

1. General Information; Definitions; Changes:

The Program allows you to earn Reward Points ("Points") on the dollars you spend as described in Section 3 below, using your Victoria's Secret Angel Account (your "Account"). Points may be earned by you and anyone you authorize to use the Account. Points are redeemable for Victoria's Secret Reward Certificates ("Angel Rewards") as specified in Section 3, below.

These Program Terms are separate and independent from your Victoria's Secret Angel Credit Card Account Agreement (your "Account Agreement"), which governs the use of your Victoria's Secret Angel Credit Card (your "Angel Card"). In the event of any conflict between these Terms and your Account Agreement, these Terms will control in any matter relating to the Program.

All Program rules apply to Angel Rewards Program participation, Point offers, Point accrual, Point redemption, status points, rewards and benefits. Other restrictions apply. Participation as an Angel Rewards Member is subject to any terms and conditions, rules, policies and procedures that Victoria's Secret may at its discretion change at any time, without notice to you (subject to notice requirements). The Program is provided by Victoria's Secret, and Victoria's Secret reserves the right to terminate the Program or change any aspect of the Program, including but not limited to the Program terms, benefits, conditions of participation, Reward Level, or Points levels, in whole or in part, at any time, without notice to you (subject to notice requirements).

2. Eligibility; Withdrawal of Program:

We will automatically enroll you in the Program when the Bank opens your Account. You may cancel your participation in the Program in accordance with Section 14. Unless you cancel your participation, you will remain enrolled in the Program as long as your Account remains open and in Good Standing and we continue to offer the Program. "Good Standing" means (1) your Account is open to new charges and not over your credit limit, (2) your Account is not more than 60 days past due or otherwise in default, (3) your Angel Card is not flagged as lost, stolen, or fraudulent according to the Bank's records, (4) your Account is not in a hardship or workout program, and (5) you are not subject to a credit counseling arrangement relating to your Account. Notwithstanding anything to the contrary in these Program Terms, in addition, we reserve the right to approve, deny or revoke Participation in the Program to any individual for any non-discriminatory reason whatsoever. We may remove you from the Program for misuse of the Program, which we will determine in our sole discretion. Account behavior, including but not limited to the amount of purchases made, rewards redeemed, and purchases returned, will be considered in determining misuse. "Participation" includes Points earning, Angel Rewards earning and redemption, and any other benefits associated with the Angel Rewards Program. Removal from the program will result in the forfeiture of any points earned, any fulfilled and unfulfilled rewards or any benefits as stated in Part 2.

3. Earning Points:

The Program is limited to earning Points for Net Eligible Purchases. Net Eligible Purchases are purchases of goods and services for personal, family and household purposes using your Angel Card and the Angel Card(s) of your Authorized User(s), if any, plus applicable taxes and shipping and handling charges, minus any returns, refunds or credit adjustments, with the total amount rounded to the nearest dollar. Transactions ending in .50 will be rounded to the nearest even dollar.

Points are not earned on, and the term "Net Eligible Purchases" does not include: returns, refunds, credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, purchases made by or for a business or for a business purpose, balance transfers, interest, fees or other Account activity. Points are awarded on the full purchase amount, including tax and shipping. We have the right to deduct Points from your Points balance for charges that were not or do not remain Net Eligible Purchases. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero before earning any Points eligible for redemption. Points you earn may not be combined with Points earned on any other credit account. Points earned have no cash value and may not be used as payment of any outstanding obligation to the Bank or its affiliates or to Victoria's Secret.

Any returns made will be reflected in your Points balance (including a negative Points balance if your return amount is greater than your current Points balance), even if you have already earned/redeemed an Angel Reward. Purchases made at Bath & Body Works do not earn Points, nor can Angel Rewards be redeemed at Bath & Body Works. We reserve the right to verify and adjust Points at any time prior to or following posting or redemption.

(a) Points for Net Eligible Purchases. You will earn Points for Net Eligible Purchases so long as your Account is in Good Standing.

You will earn: one (1) Point for each $1.00 of Net Eligible Purchases.

(b) Points for Special Offers. From time to time, we may make special offers for you to earn additional Points for Net Eligible Purchases. These additional points are called "Bonus Points." The way to earn Bonus Points, and the Bonus Points that can be earned, may vary. Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Point limits, or exclusions. You may have to register to qualify for the offer. We may change or withdraw an offer at any time without notice (subject to notification requirements). Any such change or withdrawal will not affect Bonus Points already earned. Your Net Eligible Purchase must be completed and the transaction charged to your Account during the special offer period in order for you to earn the applicable Bonus Points. For mail order, special order, online, and other purchases, please be aware that we may not charge your Account until items purchased have shipped. During special offer periods, making a return in the same transaction as your purchase may result in earning fewer Points because Points are calculated off of your Net Eligible Purchase (in this case, your purchase minus return). For e-mail only benefit offer(s), you must provide and maintain a valid e-mail address to receive offer(s). See terms and conditions of each such special-offer promotion: limitations may apply. Benefits and rewards associated with the Angel Card may vary by location. Not valid on previous purchases. Bonus Points may take up to 6 weeks to post to your account.

i. Triple Points on Bra Purchases:

You will earn triple Points for all bra purchases on your Account, including clearance and discounted bras. Three Points will be awarded for every dollar of Net Eligible Purchases on bras. All other non-bra items purchased within the same transaction will earn the Points otherwise noted in Section 3 and not the triple Points, unless the non-bra items are covered by your chosen triple Points day as noted below. Separate bonus Point promotions cannot be combined at any time to earn more than the triple Points on a bra purchase.

ii. In-Store Payments:

Cardholders can go in-store to make a payment on their Account. Cardholders are eligible to earn double Points on any Net Eligible Purchases if an in-store payment is made at the time of transaction. Double Points will not be awarded on bra purchases, and cannot be combined with any other bonus Point promotions. This benefit can only be earned once per month up to a maximum of 1,000 Points.

(c) Posting of Points Earned; Expiration; Forfeiture. You will receive your current total Points balance on your Account statement each month. Please note that it often takes 1-2 weeks or more for Points from a Net Eligible Purchase to post to your Points balance. At any time, we may verify and adjust your Points balance based on our records and based on certain purchases not constituting, or no longer constituting, Net Eligible Purchases. Points will remain available in your Points balance until they are redeemed for an Angel Reward as described in Section 4, are forfeited, or expire.

Points will expire 12 months after the date that they are posted to your Points balance, or if your account is inactive (no purchases made) for 12 consecutive months. Except as otherwise provided by applicable law, you will forfeit all unused Points if you file for bankruptcy, or your participation in the Program is terminated or your Account is closed for any reason. You will also forfeit Points as described below and in Sections 2, 4, 10, 12 and 14. You will not receive any compensation or new Points for your Points that expire or are forfeited.

Points may not be sold, purchased, brokered, bartered, transferred or altered in any way by you. Any attempted transaction of such sort will automatically be void. Anyone engaging in such transactions will be liable for damages to us, including, but not limited to consequential damages, third party damages, transaction costs, attorney's fees and court costs. Any violation of these provisions will result in termination of your eligibility to participate in the Program and forfeiture of unused Points.

4. Rewards:

When you earn enough Points (a "Reward Level"), you will be eligible for an Angel Reward as long as your Account is in Good Standing. Angel Rewards are redeemable for the specified dollar amount off qualifying purchases, as indicated on your reward, in stores or online. Angel and VIP cardholders earn a $10 Angel Reward with every 250 Points, and Forever cardholders earn a $15 Angel Reward with every 250 Points. Reward Levels are subject to change without notice (subject to notification requirements). Once you've earned an Angel Reward, your Points balance will be reduced by the number of Points used to obtain the Angel Reward(s). Except as provided below, we will send an Angel Reward to your Account's primary billing address within 3-6 weeks after you achieve a Reward Level. To change the primary billing address for your Account, please contact the Bank by calling 1-800-695-9478 (TDD/TTY: 1-800-695-1788).

We will only issue an Angel Reward if your Account is in Good Standing. If your Account is not in Good Standing, you will not be eligible to receive an Angel Reward until the end of the billing period in which your Account is once again in Good Standing.

Angel Rewards expire 90 days from the date they are issued. Please see expiration date printed on your Angel Reward. Once issued, Angel Rewards cannot be withdrawn or changed by us, even if we withdraw or modify the Program, except as expressly provided in these Terms.

Your Account must be in Good Standing, as defined in Section 2, at the time your Angel Reward is earned. The value of the purchase must be equal to or greater than the value of the Angel Reward. You will be required to use your Angel Card for any remaining balance when redeeming an Angel Reward. Each Angel Reward may be used for only one purchase. Any unused Angel Reward(s) value will be forfeited. Angel Rewards have no cash value and cannot be credited to an account, redeemed for cash, applied to a previous purchase or used for purchasing gift cards or e-gift cards, whether in stores, by phone or online. The value of Angel Rewards will not be refunded on a merchandise return in stores, or on a return, exchange or cancellation online. Lost or stolen Angel Rewards are not replaceable. Selling Angel Rewards is prohibited. Victoria's Secret reserves the right to revoke Participation in the Program of any persons caught selling or attempting to sell an Angel Reward, and all unused and unexpired Points will be forfeited. Angel Rewards will not be honored retroactively in connection with any prior purchases. Angel Rewards may not be used as payment of any outstanding obligations to the Bank or its affiliates. Any additional exclusions or limitations for use of Angel Rewards will be provided to you on the Angel Reward.

To the extent allowed by applicable law, we may cancel any earned or outstanding Angel Rewards if we become insolvent, unable to pay our debts when due, file an action under the U.S. Bankruptcy Code or have such an action filed against us.

5. Earning Tier Status Upgrades:

Only accounts in Good Standing will be upgraded. From 2/1/2019-1/31/2020, you must spend $250 to upgrade to VIP status and $500 to upgrade to Forever status. Beginning 2/1/2020 you must have spent this amount within a rolling 12 months to upgrade. The maintain and upgrade spend amounts are the final purchase amounts charged to the Angel Card (after accounting for all purchases and deducting for all returns). Purchases made at Bath & Body Works are not included in the final purchase amounts for the purpose of determining maintain and upgrade status. VIP and Forever cardholders must maintain aforementioned spend in the program year of 2/1 - 1/31 that follows the program year in which you were upgraded or tier level will reset corresponding with spend and any previously accumulated spend will be reset. For a complete list of benefits associated with each Tier, review Part 2: Cardholder Benefits. See Section 6 for important information on how to maintain Tier status.

6. Maintaining Tier Status:

Cardholders at Angel Tier status will remain at this status until a higher qualifying Tier status is reached. Once a Cardholder has reached VIP or Forever Tier status, the Cardholder will remain at VIP or Forever Tier status for the Program year in which VIP or Forever Tier status was reached and one subsequent Program year. The Program year begins on February 1st and ends on January 31st. A Cardholder at the VIP status must re-qualify for VIP Tier status by spending $250 and a Cardholder at the Forever status must re-qualify for Forever Tier status by spending $500, this spend must be made during each Program year starting with the first full Program year following upgrade. If a VIP Tier Cardholder does not spend $250 during any Program year following upgrade as required to maintain VIP Tier status, the Cardholder will be reset to Angel Tier status. If a Forever Tier Cardholder does not spend $500 during any Program year following upgrade as required to maintain Forever Tier status, the Cardholder will be reset to VIP Tier status if their spend was between $250 - $499 or reset to Angel Tier Status if their spend was less than $249.

7. Communications, Program Activity and Customer Service:

We and the Bank may communicate with you regarding any matter related to the Program by mail, telephone, or other methods permitted under applicable law. As needed, you agree to promptly update your contact information by signing in to your account here. Neither We nor the Bank are responsible for communications, including Angel Rewards, lost or undelivered due to incorrect or changed address or other contact information. Even if you opt-out of marketing materials from Victoria's Secret you will continue to receive relationship/operational emails related to Angel Rewards unless your Account is cancelled.

You can view your Program activity online at vsangelcard.com or on your monthly billing statement. For customer service, call us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788).

8. Points Disputes:

If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance ("Points Dispute") by 1-800-695-9478 (TDD/TTY: 1-800-695-1788) or writing to: Comenity Bank PO BOX 182273 Columbus, OH 43218-2273 immediately. We will use reasonable efforts to investigate your Points Dispute if you notify us within 90 days of the posting date. If you do not notify us within that period, you waive your right to make a Points Dispute with respect to that purchase. We may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, we will have no further responsibilities if you later reassert the same Points Dispute. Please note that the dispute rights with respect to your Account under the Account Agreement do not apply to these Terms or to your rights and remedies under these Terms, which are solely as set forth in these Terms. Your sole and exclusive remedy, and our maximum liability to you, in the event you prevail in a Points Dispute, is for us to credit the disputed Points to your Points balance.

9. Limited Liability:

Unless otherwise required by law or our agreements with you, neither Victoria's Secret nor the Bank, nor any of our or its affiliates, officers, directors, employees, service providers, or agents will be liable to you, or anyone making a claim on your behalf, in connection with (a) any termination of, change in, or suspension of the Program; (b) any claim relating to products purchased using any Reward Certificates obtained through the Program; (c) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; or (d) any taxes that you incur as a result of receiving or redeeming Points. Notwithstanding the foregoing, any liability that we or they may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Terms. In New Jersey, this Section does not apply to liability due to intentional or reckless conduct, gross negligence, strict liability, negligence, or violation of a statutorily imposed duty on the part of Victoria's Secret or the Bank or any of their respective affiliates, officers, directors, employees, service providers or agents.

10. No Warranties:

The Bank does not: (a) endorse Angel Rewards or products purchased at Victoria's Secret; (b) make any express or implied warranty regarding Angel Rewards or products purchased at Victoria's Secret; (c) guarantee the performance of Angel Rewards or products purchased at Victoria's Secret; or (d) offer, operate or control Angel Rewards offered through this Program. WE DO NOT (A) MAKE ANY EXPRESS OR IMPLIED WARRANTY REGARDING ANGEL REWARDS OR PRODUCTS PURCHASED AT VICTORIA'S SECRET, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY; OR (B) GUARANTEE THE PERFORMANCE OF ANGEL REWARDS OR PRODUCTS PURCHASED FROM US.

11. Changes to the Program:

Subject to any requirements or limitations of applicable law, we may at any time for any reason add to, change, limit, or terminate the Program or these Terms. To the extent allowed by applicable law, (a) changes may apply retroactively, and may affect outstanding transactions and Points, and may result in you involuntarily forfeiting Points you have earned, and (b) changes will not affect issued or redeemed Reward Certificates except to the extent allowed by applicable law.

12. Privacy and Website Terms of Use:

All information collected in connection with the Program is subject to our privacy policy, which can be obtained here.

Purchases made on victoriassecret.com are subject to website Terms and Conditions/Terms of Use found here. In the event that any website Terms and Conditions/Terms of Use conflict with these Program Terms, these Terms will control.

13. Not Transferable:

Points are not your property and are not transferable to anyone by operation of law or otherwise. Points may not be transferred between accounts issued by us, may not be transferred upon death or as part of any domestic relations legal proceedings, and may not be brokered, bartered, sold or transferred in any way. Any attempted transaction of such sort will automatically be void. Anyone selling, purchasing, brokering, bartering, transferring, or altering Points, either wholly or partially, shall be liable for payment of the applicable full retail price of any rewards obtained with them, as well as all damages, including, but not limited to consequential damages, transaction costs, and litigation costs (including attorney's fees and costs at trial and on appeal and in any bankruptcy proceeding). Any brokered, bartered, altered, sold, or purchased Points shall likewise be void and may be deducted from your Points balance. Any violation of these provisions will result in termination of your eligibility to participate in the Program and forfeiture of unused Points.

14. Taxes:

You are solely liable for any applicable taxes arising out of the accrual or use of Points or Angel Rewards. Consult your tax advisor concerning such tax consequences.

15. Cancelling Program Participation:

You may cancel your participation in the Program at any time by calling us at 1-800-695-9478 (TDD/TTY: 1-800-695-1788). If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously issued Angel Rewards unless you also close your Account.

16. Assignment:

You may not assign your rights or obligations under these Terms to any other person or entity.

17. Limited Time to File Claims:

If you want to assert a dispute against Victoria's Secret, then you must commence it within the applicable statute of limitations after the dispute arises, or it will be forever barred. "Commencing" means filing for arbitration with the AAA as set forth in the Arbitration section.

18. Binding Arbitration:

BY AGREEING TO ARBITRATION, PARTICIPANT UNDERSTANDS AND AGREES THAT THEY ARE WAIVING THEIR RIGHT TO SUE IN COURT. ANY DISPUTE, INCLUDING BUT NOT LIMITED TO ALL STATUTORY CLAIMS, THAT CANNOT FIRST BE RESOLVED THROUGH INFORMAL METHODS WILL BE SUBMITTED TO BINDING ARBITRATION UNDER THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION (AAA) then in effect (the "Rules"), except as modified herein. The arbitration will be administered by the AAA. Claims or disputes that fall within the scope of the small claims court's limited jurisdiction may, however, be submitted to such court. BY AGREEING TO ARBITRATE, EACH PARTY IS GIVING UP ITS RIGHT TO GO TO COURT AND HAVE ANY DISPUTE HEARD BY A JUDGE OR JURY. If an in-person arbitration hearing is required, then it will be conducted at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination should be made by an independent arbitrator. You and Victoria's Secret will pay the administrative and arbitrator's fees and other costs in accordance with the applicable arbitration rules. The arbitrator will apply and be bound by these Terms, and will determine any dispute according to applicable law and facts based upon the record and no other basis. After the hearing, the arbitrator(s) will decide the dispute and render a written decision setting forth the issues adjudicated, the resolution thereof and the reasons for the award. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered thereon in the federal or state courts located in Columbus, Ohio, United States. The Federal Arbitration Act ("FAA"), will apply to the dispute and will govern whether the dispute is subject to arbitration, including the No Class Action Matters section below. You can obtain AAA procedures, rules and fee information as follows: AAA: 800.778.7879, http://www.ADR.org.

19. No Class Action Matters:

Disputes hereunder will be arbitrated only on an individual basis and will not be joined or consolidated with any other arbitration or other proceedings that involve any claim or controversy of any other party. THIS MEANS YOU AND VICTORIA'S SECRET AGREE THAT EACH MAY BRING CLAIMS REGARDING SUCH DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING OR AS AN ASSOCIATION. There will be no right or authority for any dispute to be arbitrated on a class-action basis or on any basis involving disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated.

IF, FOR ANY REASON, ANY COURT WITH COMPETENT JURISDICTION HOLDS THAT THIS RESTRICTION REGARDING ARBITRATION ON A CLASS-ACTION BASIS IS UNCONSCIONABLE OR UNENFORCEABLE, THEN THE DISPUTE MUST BE BROUGHT EXCLUSIVELY IN A STATE OR FEDERAL COURT LOCATED IN COLUMBUS, OHIO. Notwithstanding any other provision of these Terms, any and all issues relating to the scope, interpretation and enforceability of the class action waiver provisions contained herein (described in this "No Class Action Matters" section), are to be decided only by a federal or state court located in Columbus, Ohio, and not by the arbitrator. The arbitrator does not have the power to vary these class action waiver provisions.

20. Entire Agreement; Severability; Conflicts; No Waiver:

These Terms contain the entire agreement between you and us regarding the Program, and supersede any previous terms and conditions governing the Program we may have provided to you. The Program is not available where and to the extent prohibited by law. If a court of competent jurisdiction or any governmental agency determines that any provision of these Program Terms is void or unenforceable, that provision will continue to be enforceable to the extent permitted by that court or agency, and the remainder of that provision will no longer be considered as part of these Program Terms. However, all other provisions will remain in full force and effect. We will not lose our rights under these Terms because we delay or do not enforce them. All waivers of any of these Terms by us must be in a writing executed by someone with authority to bind us.

PART 2: CARDHOLDER BENEFITS

Your account must be active and in Good Standing to be eligible for benefits. "Active" means you have made a purchase on your Angel Card within the past 12 months. "Good Standing" is defined in Section 2 of the Program Terms above. You must provide an email address to 1-800-695-9478 (TDD/TTY: 1-800-695-1788) or VSAngelCard.com to receive notice of special offers and events.

Cardholder Benefits are subject to the terms of Section 15 through Section 19 of the Program Terms, including the provisions that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration.

The availability and receipt of Cardholder Benefits is subject to any terms and conditions, rules, policies and procedures that Victoria's Secret may at its discretion apply or change at any time, without notice to you (subject to notification requirements). Cardholder Benefits are provided by Victoria's Secret, and Victoria's Secret reserves the right to terminate all or any aspect of the Cardholder Benefits, including but not limited to conditions of availability or receipt, in whole or in part, at any time, without notice to you (subject to notification requirements). Other restrictions apply.

1. Birthday Gift:

Eligibility for the birthday gift is available to US residents only. You must have made a purchase with your Angel Card within the 24 months prior to your gift eligibility being determined. Your eligibility for the birthday gift and the type of gift, which is based on your Tier Status, is determined two months prior to your birthday month. Angel Card Accounts opened in the Cardholder's birthday month or in the previous month will receive their first birthday offer the following calendar year if eligible. If purchase amount is not larger than offer value, any remaining offer value will be forfeited. You will be required to use your Angel Card for any remaining balance when redeeming your birthday gift. Must have valid US mailing address. Offer can only be combined with Angel Rewards.

2. Half Birthday Gift for VIP and Forever Tier Cardholders:

VIP and Forever Tier Cardholders will be eligible for an Angel Card half birthday offer: $10 off for VIP Tier Cardholders and $15 off for Forever Tier Cardholders. Eligibility is determined two months prior to your half birthday month. Accounts opened in your half birthday month or in the previous month will receive the first half birthday offer the following calendar year if eligible. Any remaining purchase amount must be made using the Angel Card. If purchase amount is not larger than offer value, any remaining offer value will be forfeited. Must have valid email address and US mailing address. Offer can only be combined with Angel Rewards.

3. Angel Card Anniversary Offer for VIP and Forever Tier Cardholders:

VIP and Forever Tier Cardholders will be eligible for an Angel Card Anniversary Offer: 15% off for VIP Tier Cardholders and 20% off for Forever Tier Cardholders. Eligibility is determined two months prior to the anniversary month of when your Angel credit card was opened. Purchase must be made using the Angel Card. Must have valid email address and US mailing address. Offer can only be combined with Angel Rewards and applies to one purchase within your anniversary month.

4. Free Standard Shipping for Purchases of $50 or more:

Add qualifying in-stock items totaling $50 or more (after all discounts are applied) to your shopping bag. Angel Credit Card purchase is required. Select Angel Card as your payment type and when prompted enter offer code ACSHIP50 at checkout. Standard shipping & handling charges will automatically be deducted for eligible orders after offer code is applied. Minimum purchase amount is after any discounts and excludes taxes. Offer excludes UGG® Australia, Victoria's Secret Designer collaboration products, gift cards, gift wrap & kits. Not valid on previous purchases or in-store purchases. Valid for free standard shipping & handling anywhere in the United States. Subject to credit approval.

5. Angel Card Perk of the Month:

Make sure you have signed up for emails at VSAngelCard.com to get the full scoop on all exclusive Angels-only offers and events. Must have valid email address and US mailing address. It may take up to 2 months to begin receiving email offers after signing up for emails and customers should expect to receive at least one email offer per month.