Comenity has been helping people get more for their money since we introduced our first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world’s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards. We also offer high-yield savings products and CDs through Comenity Direct, our all-online bank. We’re proud to note that all of our credit and savings products are designed to be safe, secure and empowering, and we’re consistently recognized for our outstanding and industry-leading customer care. Across the country, our award-winning customer care representatives are trained, knowledgeable and eager to help. Meeting the highest standards of each of our 50 million cardmembers is the most important thing we do. Yes, it takes focus and dedication to deliver on this promise time and time again. And that’s exactly what we’re here to do.