If you would like translation assistance, please contact HR Direct at

Dear Associate, Limited Brands offers two cost effective, environmentally friendly ways of delivering associates’ pay. You can choose the option that makes sense for you: either direct deposit or a Visa® Payroll Card. Both choices ensure you receive your pay on time, no matter the circumstances. About direct deposit Many of our associates take advantage of direct deposit. It allows us to deposit your pay directly into the bank account(s) of your choice, in any way you choose. For example, you could have a percentage of your pay automatically sent to a savings account, while the rest is deposited in your checking account for easy access. Direct deposit takes minimal time to set up and can be done online. See the Direct Deposit and Payroll Card Choices worksheet on page 2 of this packet for detailed instructions. About payroll cards A Payroll Card is similar to a debit card and will have your name printed on it, along with the Limited Brands, Victoria’s Secret or Bath & Body Works logo, depending on which area of the enterprise you support. Your Payroll Card account is loaded with your exact pay biweekly, and your Payroll Card can be used like a debit card to access it. The Payroll Card has a Visa logo on it, so you can use it anywhere Visa debit cards are accepted, including ATMs and retail outlets. You can also receive a cash advance at any Visamember bank, or write a Pre-Check® payable to yourself and cash it at participating Wal-Mart and 7Eleven stores. For more information about the Payroll Card, see the insert on pages 7-8 of this packet. What to do next 1. Review all the information included in this packet and ask any questions you may have before you make your choice. If you have questions, contact HR Direct toll-free at 866-473-4728. 2. Make sure your personal information is correct, including your address and phone number, in Limited Brands Access self service (https://associateresources.limitedbrands.com) or by calling HR Direct toll-free at 866-473-4728 and selecting the Limited Brands Access self-service option. 3. Follow the steps on the worksheet on page 2 of this packet to enroll in direct deposit. If you do not enroll in direct deposit, you will automatically receive a Payroll Card. Regardless of your choice, you can be confident your pay will be safe, reliable, convenient and easy to access. You can also help us go green by choosing to access your pay stub online only. If you would like translation assistance, please contact HR Direct at 866-473-4728. Sincerely, The HR Direct Team

P.S. – Are you a rehire? If you are and you’ve previously had a Payroll Card, you’ll be paid on the same account you were previously. If you have your old card, it’s still valid. If you need a new card, contact our Payroll Card vendor, Citi, at 877-897-8724. If you are a seasonal associate who returns to Limited Brands regularly, be sure to keep your card for future employment periods. You can also sign up for direct deposit at any time by following the instructions on page 2.

Direct Deposit and Payroll Card Worksheet

Step 1

Review all the information

Read the introductory letter about direct deposit and payroll cards Review the Frequently Asked Questions Review the “how to” sheet for using the Visa® Payroll Card Have questions? Contact HR Direct toll-free at 866-473-4728 Make a decision and take action, starting with step 2 below.

Step 2

Make sure your personal information is correct

It’s important to keep your personal information up to date – that includes your address, phone, social security number and emergency contact. To make sure your information is current, go to Limited Brands Access (https://associateresources.limitedbrands.com) or call HR Direct toll-free at 866-473-4728 and select the Limited Brands self-service option, then follow the prompts. To get started online… • Go online to Limited Brands Access self service at https://associateresources.limitedbrands.com. • If you have a network ID and password, use them to log into Access. o If you don’t have a network ID and password, select the “New User” button to register. • Once you have logged in, on the left select “My Personal Information” and make any necessary changes.

Step 3 • •

• •

If your choice is …

Direct Deposit Go online to Limited Brands Access https://associateresources.limitedbrands.com If you have a network ID and password, use them to log into Access o If you don’t have a network ID and password, select the “New User” button to register Once you have logged in, select “My Payroll and Compensation” on the left. Click on “Direct Deposit,” then enter the required information.

OR • Call HR Direct toll-free at 866-473-4728, and select the employee self-service option. Follow the prompts to enroll in direct deposit. Note for home office associates: If you select direct deposit, you will be able to review your pay stub online in Limited Brands Access only, and can print a copy, if needed. You will not receive a paper stub from HR Direct.

Payroll Card After you’ve updated your personal information in Limited Brands Access https://associateresources.limitedbrands.com, decide if you would like to receive a paper pay stub or would rather view it online. If you want to review your pay stub online: • Once you have logged in to Access, select “My Payroll and Compensation” on the left. • Click on “Direct Deposit.” • Click on “Pay Statement Print Option.” • Choose “Don’t send me a paper copy of my direct deposit statement; I’ll check it online or print it myself.” If you want to receive a paper pay stub: • Once you’ve updated your personal information in Access, you don’t need to do anything else. Note: If your personal information is not up to date, you may experience a delay in receiving your new Payroll Card.

NOTE: If you do not enroll in direct deposit, you will automatically receive a Payroll Card as well as a paper pay stub. Are you a rehire? If you are and you’ve previously had a payroll card, you’ll be paid on the same account you were previously. If you have your old card, it’s still valid. If you need a new card, contact our payroll card vendor, Citi, at 877-897-8724. If you are a seasonal associate who returns to Limited Brands regularly, be sure to keep your card for future employment periods. You may also sign up for direct deposit at any time by following the instructions above.

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Direct Deposit and Visa® Payroll Card Frequently Asked Questions DIRECT DEPOSIT 1. What is direct deposit? Direct deposit is a program that enables Limited Brands Payroll to electronically deposit your pay into your existing bank account(s). It’s a simple, secure and easy way for you to receive your pay. 2. How do I sign up for direct deposit? There are two easy options available to sign up for direct deposit: 1. Online with Limited Brands Access self service at https://associateresources.limitedbrands.com • If you have a network ID and password, use them to log into Access. • If you don’t have a network ID and password, select the “New User” button to register. • Once you have logged in, select “My Payroll and Compensation” on the left. • Click on “Direct Deposit,” and enter the required information. OR 2. Call HR Direct at 866-473-4728, and follow the prompts for Limited Brands Access self service. You will need your bank account information (bank routing number and account number) available when you sign up for direct deposit. 3. How long will it take for direct deposit to go into effect? It will take up to one pay period from the time you request direct deposit until the transaction is set up and activated. You may receive one pay on a Payroll card if your direct deposit is not set up by payday, depending on when you establish your account. 4. What if I don’t have a bank account? In order to sign up for direct deposit, you must have either an existing bank account or open a new bank account with a banking institution. 5. How is money deposited into my account? Limited Brands Payroll electronically deposits your net pay into the bank account(s) of your choice. 6. How can I be sure my deposit was made? You can contact your bank – in person, over the phone or online – to verify the deposit was made to your account(s). 7. Do I receive a paper pay stub if I choose direct deposit? You will continue to receive a paper pay stub unless you opt not to receive it. You can also go online to get your pay stub (not receive a paper stub) and print it as needed. You can view your pay stub online through Limited Brands Access self service at https://associateresources.limitedbrands.com. 8. What if there is a discrepancy between my bank account statement and the deposit notice I received from Limited Brands? If there are any questions concerning your direct deposit transactions, you should contact HR Direct at 866-473-4728. 9. What if I decide to stop using direct deposit? If you decide to stop using direct deposit, you will receive your pay on a Visa® Payroll Card. You can make changes to your direct deposit status using one of the following options: a. Online with Limited Brands Access self service at https://associateresources.limitedbrands.com (see instructions included in question 2 above) OR 3

b. Call HR Direct at 866-473-4728, and follow the prompts for Access self service 10. Can Limited Brands Payroll take money out of my account or get confidential information about me through my bank if I use direct deposit? Payroll can only add or reverse payments that have been initiated by Limited Brands to your bank account. Limited Brands does not have visibility to confidential information you’ve provided your bank. 11. I currently use direct deposit, but I need to change my bank and/or account number. How do I do this? To make changes to your account information, you can use Limited Brands Access self service or call HR Direct at 866-473-4728 and follow the prompts for Access self service. It is extremely important to contact HR Direct before changing accounts or banking institutions to ensure you don’t delay receipt of your pay. Note, if you change direct deposit bank accounts, pending timing of your change, you may receive one pay on a Payroll Card. 12. Is it possible to have a portion of my pay put into my savings account and the remainder in my checking account? Yes. You have the option to select more than one account in which to deposit your pay. For example, you may elect to have a portion of your pay deposited into your savings account and the balance deposited into your checking account. The sum of the deposits must total 100 percent of your net pay. Example: 70% deposited into savings and 30% deposited into checking. 13. What is the earliest date I can make a cash withdrawal on the funds deposited through direct deposit? Your funds are accessible at your bank by the time your bank opens on pay day. 14. Who should I contact if I have additional questions about direct deposit? Contact HR Direct at 866-473-4728.

PAYROLL CARD 1. What is a Payroll Card? A Payroll Card is similar to a bank debit card. Your Payroll Card account is loaded with your exact pay biweekly, and your Payroll Card can be used like a debit card to access it. 2. If I choose a Payroll Card as my pay option, how will I receive the card? Your card will arrive in the mail to your home address prior to the first pay on the card. 3. Does having a Payroll Card mean I have a bank account? Yes. When you receive a Payroll Card, Limited Brands opens a Payroll Card account in your name. The account allows you to access your pay similar to a debit card account, with some restrictions. You can’t make deposits to it or write checks (other than the Pre-Check® option payable only to you) and you can only spend up to the amount of your balance at any given time. 4. Do I get a new Payroll Card with each pay? No. You will receive your payroll card and keep it. Your pay will be deposited into your account each pay day. 5. Will I still get a paper pay stub? Yes, you will receive a paper pay stub, unless you choose not to. If you opt out of a paper pay stub, you can view and print your stub electronically in Limited Brands Access at https://associateresources.limitedbrands.com. To opt out of receiving a paper pay stub, follow these steps: ƒ Once you have logged in to Access, select “My Payroll and Compensation” on the left. ƒ Click on “Direct Deposit.” ƒ Click on “Pay Statement Print Option.” ƒ Choose “Don’t send me a paper copy of my direct deposit statement; I’ll check it online or print it myself.”

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6. How do I use a Payroll Card? There are a number of ways you can use the Payroll Card: 1. The Payroll Card has a Visa® logo on it, so you can use it anywhere Visa debit cards are accepted. For example, making purchases at the grocery store, clothing store or online retailer, just to name a few. 2. Withdraw cash at any ATM that has a Visa logo. 3. Cash it for a portion of or the whole amount of your pay at any Visa-member bank. 4. Write yourself a Pre-Check for a portion or for the whole amount of your pay and cash it at any Visa-member bank or participating Wal-Mart and 7-Eleven stores. The Pre-Checks will be provided by Citi when you get your card. See the insert on page 7 of this packet for additional details and specific ways to use your Payroll Card, including transactions that are free. 7. Can I use my Payroll Card internationally? You can use your Payroll Card anywhere Visa debit cards are accepted, in the U.S. and internationally. 8. Is the Payroll Card a credit card? No. The Payroll Card is a Visa debit card that allows you to access your pay. There is no line of credit associated with your card, and your spending is limited to the exact amount of your balance on the card at any time. It is your responsibility to ensure there are enough funds available before you use your card for purchases. 9. Are there fees for using a Payroll Card? There may be fees, depending on how you use the card. Here are a couple of ways to use the Payroll Card free of charge: 1. Use it at a store for a purchase. Even though your Payroll Card is not a credit card, selecting a “credit” purchase means there is no fee to you; debit purchases carry a $0.50 fee. 2. Show your card to get cash at a Visa-member bank 3. Use the Pre-Check option 4. Withdrawal cash at thousands of ATMs in the Moneypass network (one time per pay period is free; it’s a $1.50 charge after that) These are just a few examples of ways to use a Payroll Card without fees. If you choose a Payroll Card, Citi will provide a full list of activities and associated fees with your new card. 10. When is my pay available on the Payroll Card? Your pay will be available by the time banks open on pay day. 11. How do I check my Payroll Card balance? You can check your balance: • By calling 877-897-8724 • Online at www.prepaid.citi.com/limitedbrands • At any ATM in the Visa network 12. Can I have an online account with the Payroll Card? Yes, you can view your pay information and card use online at www.prepaid.citi.com/limitedbrands as well as update your personal information and sign up for electronic account alerts. 13. What if lose my Payroll Card? Call Citi at 877-897-8724 to have a replacement card mailed right away. Meanwhile, you may use your Pre-Checks to access your cash. If you need to replace your card more than once, there will be a fee. 14. Can I have a portion of my pay direct deposited and the remaining balance put on a Payroll Card? You can only pick one way to receive your pay: direct deposit or a Payroll Card. You can’t split your pay between the two options.

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15. What is a Pre-Check? A Pre-Check is a pre-issued check made out in your name that allows you to access up to 100 percent of your Payroll Card account funds. When you receive your Payroll Card, you’ll also get two Pre-Checks included in the envelope. Here’s how they work: 1. Call Citi to get an authorization code. 2. Write down on the Pre-Check the amount of cash you want to withdraw (not to exceed the balance in your Payroll Card account). 3. Take the Pre-Check to a participating Wal-Mart or 7-Eleven location to get your cash. You can also have the Pre-Check cashed or deposited wherever you cash or deposit your payroll check today. Once you use one of the Pre-Checks included with your card, Citi will automatically send you more. 16. How do I find the nearest participating Wal-Mart or 7-Eleven locations where I can cash my Pre-Check? Visit www.prepaid.citi.com/prechecks or call cardholder customer service at the toll-free number on the back of your card to locate the nearest participating Wal-Mart or Vcom® equipped 7-Eleven stores. 17. What is Vcom? Vcom is a network of self-service kiosks (similar to an ATM machine) that provides electronic financial services like check cashing, bill pay, money transfer and access to an ATM. They can be found in participating 7-Eleven stores. 18. Do I need to provide any information to cash my Pre-Check at Wal-Mart or at a Vcom kiosk at 7-Eleven? Yes. Each time you cash a Pre-Check at either Wal-Mart or at the Vcom kiosk you will need to present your PIN (personal identification number) and government-issued I.D. (driver’s license, state I.D. or passport). You may additionally be required to enter your social security number at the kiosk. 19. I forgot my PIN, and I need to cash my Pre-Check at Wal-Mart or a Vcom kiosk at 7-Eleven. How do I get a new one, or what do I do to cash the Pre-Check? You can reset your PIN at Wal-Mart or a Vcom terminal. There is a telephone voice response unit for resetting PINs at the kiosk and customer service agent assistance available 24/7. 20. Is the Vcom kiosk at 7-Eleven bi-lingual? Yes. You can choose either English or Spanish during the first step at the Vcom kiosk at 7-Eleven. 21. My Pre-Check was declined at Wal-Mart or at the Vcom kiosk at 7-Eleven. What do I do now? Please call the phone number on the bottom of the receipt provided to you to speak with a customer service agent who can assist. You can also contact Citi cardholder customer service by calling the toll-free phone number on the back of your card. 22. Are there limits on how much money I can spend on one transaction with my Payroll Card? Yes. If the balance of your Payroll Card is not enough to cover the cost of a purchase, it will be declined – there is no overdraft protection on the account. Additionally, you are limited to the follow amounts for each transaction: ƒ $1,000 per ATM transaction ƒ $3,000 per transaction at a point of sale/register (using the card to pay) ƒ $5,000 per cash advance or cashing your card like a check You can request an increase in these limits for one-time use by calling Citi at 877-897-8724. 23. What if I have more questions or need help with my Payroll Card or Pre-Checks? For additional help, contact [email protected] or call 877-897-8724. 24. I’m a seasonal/rehired associate and I had a Payroll Card during my last period of employment. Can I still use it? If you’ve had a Payroll Card before, you’ll be paid on the same account you were previously. If you have your old card, it’s still valid. If you need a new card, contact our Payroll Card vendor, Citi, at 877-897-8724. If you are a seasonal associate who returns to Limited Brands regularly, be sure to keep your card for future employment periods. 6

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