Exhibit 10(o)                                                                                                                                                                                                                                                                                  AGREEMENT                                                                            Between                                                                   AMERIPRISE FINANCIAL, INC.                                                                                and                                                              AMERIPRISE CERTIFICATE COMPANY                                        Page 1 of 7
 AGREEMENT      This Agreement (this “Agreement”) is made and entered into as of the 1st day of December, 2019 (the   “Effective Date”) by and between Ameriprise Financial, Inc., having its home offices at 707 2nd Avenue   South, Minneapolis, Hennepin County, MN 55402 (“AFI”) and Ameriprise Certificate Company, having   offices at 707 2nd Avenue South, Minneapolis, Hennepin County, MN 55402 (“Company”).                                                     WHEREAS, AFI and Company wish to engage each other regarding certain Legacy Ameriprise  Rewards fulfillment Services, as described herein; and          WHEREAS, the Parties intend that the Services to be provided as further defined herein will be   governed by the terms and conditions of this Agreement; and           NOW, THEREFORE, in consideration of the mutual covenants and agreements set forth herein,   and for other good and valuable consideration, the receipt and sufficiency of which are hereby   acknowledged, and intending to be legally bound hereby, AFI and Company agree as follows:                 Section 1.   Definitions.  As used in this Agreement, the following terms shall have the  meaning hereinafter defined:          “Applicable Law” means all laws, statutes, rules and regulations of any federal or state  government or body having jurisdiction over the Parties or that apply to the Services.          “Customer Information” shall have the meaning set forth in Section 6(a).          “Indemnified Parties” shall have the meaning set forth in Section 8.          “Parties” means both AFI and Ameriprise Certificate Company.          “Party” means either AFI or Ameriprise Certificate Company, as applicable.          “Party Data” means data and information supplied to Servicing Party by Receiving Party for  purposes of using the Services.          “Receiving Party” means the Party that obtains Services from Servicing Party pursuant to any  Schedule.           “Services” shall have the meaning set forth in Section 2.           “Servicing Party” means the Party that provides Services to Receiving Party pursuant to this  Agreement.         Section 2.   Services.                  (a)   Pursuant to the terms of the Co-brand Marketing Agreement between Barclays  Bank Delaware and Ameriprise Financial Services, Inc. (“AFSI”), as amended and restated, dated March   23, 2017 (the “Card Agreement”), AFSI agreed to establish and maintain a rewards program throughout its   term (“Legacy Rewards Program”).  AFI and AFSI entered into an agreement for AFI to hold and manage   the assets and liabilities associated with the Legacy Rewards Program.                  (b)   As part of the Legacy Rewards Program, AFSI made available a range of   redemption options in exchange for points earned under the Legacy Rewards Program.                                     Page 2 of 7
 (c)   As part of the available redemption options, the Company agrees to support and  provide a credit to a client’s existing certificate account in exchange for payment as set forth in Section 4   of this Agreement.           Section 3.   Fulfillment of Services.                 (a)   The Parties will use commercially reasonable efforts to perform their respective  roles and responsibilities under this Agreement.                   (b)   The Parties shall assist each other and provide information and assistance  reasonably requested by a Party to successfully effectuate the Services under this Agreement, to respond  to any inquiries or complaints from a Party or any of its customers, and to otherwise ensure that Services  are provided at a high level of quality in a cost-effective manner.               (c)   In no event shall a Party engage in any activity in connection with their roles and  responsibilities under this Agreement that would violate Applicable Law.               (d)   A Party shall promptly provide the other Party all such information and reports as  may be reasonably requested to audit, balance, verify and reconcile its activities and compliance with the  terms of this Agreement.         Section 4.   Fees and Expenses.  In connection with performance of the Services outlined in  this Agreement, AFI shall pay Company in an amount equal to the credit made by Company into a  client’s certificate account.            Section 5.   Records, Reports, and Audits.  A Servicing Party shall create and maintain  accurate books and records for its Services in accordance with Applicable Law and industry practice.  A  Servicing Party shall make all records, reports (including internal audit reports and independent, third- party audit reports) and other information created, maintained and produced in connection with this  Agreement available to Receiving Party, its agents and regulatory authorities that have jurisdiction over  Receiving Party, and Servicing Party agrees to submit to and provide cooperation and assistance to  Receiving Party in connection with any examination of Receiving Party conducted by such regulatory  authorities.  Also, at such times and in such formats as Receiving Party shall reasonably request, Servicing  Party shall furnish Receiving Party with any and all statements and reports customarily produced in  connection with Services.  In addition, at the end of each month, Servicing Party shall provide, if  applicable, a complaint resolution log detailing any consumer complaints regarding Services (including  copies of any written complaints received) and the action taken to resolve such complaints.  Servicing  Party shall be solely responsible for the expenses associated with such recordkeeping, reports, statements  and logs.         Section 6.   Safeguarding Customer Information.                 (a)   A Servicing Party acknowledges and agrees that, solely to enable Servicing Party  to perform its obligations pursuant to this Agreement, Receiving Party may provide to Servicing Party  “nonpublic personal information,” as such term is defined in Section 509 of the Gramm-Leach-Bliley Act  of 1999 and regulations promulgated thereunder, and information and data derived therefrom, concerning  customers of Receiving Party (such Party Data being, collectively, “Customer Information”).  Servicing  Party further acknowledges and agrees that it shall have the right to use Customer Information solely to  fulfill and perform its obligations under this Agreement and otherwise comply with legal and regulatory  requirements applicable to Servicing Party.  Servicing Party shall have no right to use, reuse or disclose  any Customer Information to any person or entity for any reason not specifically permitted under this                                     Page 3 of 7
 Agreement.  Servicing Party agrees to establish and maintain appropriate controls and measures designed   to ensure the security and confidentiality of Customer Information, to protect against any anticipated   threats or hazards to the security and integrity of such information, and to protect against unauthorized   access to or use of such information, all designed to meet the guidelines set forth at 12 C.F.R. Part 170,   Appendix B.  Servicing Party further agrees to require any third-party service provider utilized by   Servicing Party in accordance with the terms of this Agreement to also agree in writing to establish and   maintain such controls and measures and to maintain the confidentiality of Customer Information to the   same extent required of Servicing Party.  Upon Receiving Party’s request, Servicing Party shall promptly   provide audit reports, written test results and such other information reasonably requested by Receiving   Party concerning its compliance with this Section 6(a).  If Receiving Party reasonably determines that   additional monitoring of Servicing Party’s information security measures is appropriate, it may, upon   reasonable notice, conduct an audit of Servicing Party to determine whether Servicing Party is satisfying   its obligations regarding information security.  Servicing Party shall promptly provide Receiving Party   with complete information regarding any failure of such controls and measures or any security breach   related to Customer Information.                 (b)   Subject to Section 6(a) above, the Parties agree that Party Data furnished by a   Party to the other Party shall be received in confidence and kept confidential by the other Party and used   by the other Party only for the purpose of providing or receiving Services under this Agreement. The   confidentiality obligations of this Section 6(b) do not apply to the extent that such information (i) is   already lawfully known to the other Party when received; (ii) thereafter becomes lawfully known from  other sources; (iii) is disclosed to affiliates, auditors, agents, third party service providers or counsel or is  voluntarily disclosed to regulators or rating agencies, provided that such entity or person has agreed in  writing or is required by law to keep such information confidential, or (iv) is required by Applicable Law  or court order to be disclosed by the other Party, provided that prior notice of such disclosure (other than  to its affiliates, auditors, counsel, regulators or rating agencies) has been given to the other Party by the  Party required to make disclosure, when legally permissible, and the Party required to make the disclosure  shall (1) provide sufficient notice to permit the other Party to take legal action to prevent the disclosure  and (2) to the extent reasonably practicable, cause the entity or person receiving such information to keep  it confidential.                (c)   Servicing Party shall retain Party Data in accordance with Servicing Party’s then-  prevailing record retention policy.  Servicing Party may, in conformity with such policy, dispose of media   containing Receiving Party data in any manner deemed appropriate by Servicing Party.                (d)   Servicing Party shall maintain a business continuity plan, including plans for   disaster recovery, emergency preparedness and business resumption, all designed in accordance with   industry standards.  Servicing Party shall be solely responsible for the preparation, periodic testing,   review and implementation of disaster recovery, emergency preparedness and business resumption plans,   and the expenses associated with such plans.  Such periodic testing shall occur at least annually.    Receiving Party reserves the right to review a copy of Servicing Party’s disaster recovery, emergency   preparedness and business resumption plans and participate in such testing.                  (e)   The Parties agree that all information provided to it in connection with this   Agreement from the other Party shall be considered confidential and proprietary information   (“Confidential Information”) and shall not be disclosed to any third party without the prior written   consent of the Party providing the Confidential Information (the “Disclosing Party”).  Confidential   Information shall include, without limitation: business operations, financial condition or assets, including,   but not limited to, technical, developmental, marketing, analysis reports, sales, operating, performance,   cost, know-how, documentation, marketing strategies and targeting methods, business objectives,   customer and process information, computer programming techniques, and any record bearing media                                     Page 4 of 7
 containing or disclosing such information and techniques of the Disclosing Party or its subcontractors or   third party providers.  Confidential Information shall also include, without limitation the names,  addresses, and demographic, behavioral, and credit information relating to customers of AFI.  All   consumer report, credit information, and non-experience information from customer applications will be   treated as Confidential Information and shall not be shared with third parties or AFI’s corporate affiliates,   subsidiaries or parents of the Bank without the prior written consent of the Disclosing Party.    The Party receiving Confidential Information from the Disclosing Party shall use Confidential   Information only for the purpose of performing the terms of the Agreement and shall not accumulate in   any way or make use of Confidential Information for any other purpose.  Servicing Party shall ensure that   only its employees, authorized agents, or subcontractors who are on a strict “need to know” such   Confidential Information to perform this Agreement will receive Confidential Information and that such   persons agree to be bound by the provisions of this Section and maintain the existence of this Agreement   and the nature of their obligations hereunder strictly confidential.  In addition, Servicing Party agrees that   data coming from Receiving Party will be kept in a secure, segregated manner.   Receiving Party’s client   information must be restricted to authorized resources and users.         Section 7.   Termination and Transition Services.                (a)   Term and Termination.  This Agreement shall be effective for a term of five (5)   years (the “Initial Term”). Unless either Party provides written notice of termination to the other Party at   least ninety (90) days prior to the end of the Initial Term, this Agreement shall automatically renew for   successive periods of one (1) year each (each a “Renewal Term”).  Unless either Party provides written   notice to the other party at least thirty (30) days prior to the end of any Renewal Term, this Agreement   shall automatically renew for a successive Renewal Term.      Either Party may terminate this Agreement upon 60 days’ prior written notice to the other Party.  In  addition, either Party may terminate this Agreement upon written notice to the other Party following a  material breach by the other Party of an obligation contained in this Agreement that is not cured within 30   days after receipt of written notice of such breach.       The termination of this Agreement shall not release any Party from liability for any breach by it prior to   such termination of any covenant, agreement, obligation, representation or warranty contained herein.  All   provisions of this Agreement relating to indemnification, confidentiality (including Customer   Information) and payment obligations that have accrued prior to termination shall survive termination of   this Agreement.             Section 8.  Indemnification.  Each Party shall indemnify, defend and hold harmless the   other Party and such other Party’s officers, employees, directors and agents (the “Indemnified Parties”)   from and against any and all losses, costs, expenses, fees, claims, damages, liabilities and causes of action   (including, but not limited to, reasonable attorneys’ fees and disbursements) resulting or arising from its:   (a) breach of any representation, warranty, covenant or agreement contained in this or (b) willful   misconduct, fraud, criminal activity, intentional tort or negligence.          Section 9.   Authority.  Each of the Parties hereby represents that it is duly authorized and   empowered to execute, deliver, and perform this Agreement, that its performance of its obligations   hereunder does not conflict with or violate any provision of Applicable Law, contract or other instrument   to which it is a Party, and that this Agreement is a valid and binding obligation enforceable against such   Party in accordance with its terms.         Section 10.  Miscellaneous.                                     Page 5 of 7
 (a)   This Agreement, (whether now or hereafter existing), constitutes the entire  agreement between the Parties with respect to the subject matter of this Agreement.               (b)   The Parties agree that reasonable notice will be provided to the other Party when  either Party experiences a financial difficulty, significant incident, service disruption, or significant  change in strategy that could affect the other Party’s performance under this Agreement.               (c)   This Agreement shall be governed by the procedural and substantive laws of the  State of Minnesota without giving effect to any choice of law principles. Any claim or action brought by  one of the Parties in connection with this Agreement shall be brought in the appropriate Federal or State  court located in Hennepin County, Minnesota.                (d)   The Parties acknowledge and agree that the relationship between them is solely  that of independent contractors, and nothing in this Agreement is to be construed to constitute the Parties  as employer/employee, franchisor/franchisee, agent/principal, partners, joint ventures, co-owners or  otherwise as participants in a joint or common undertaking.                   (e)   This Agreement shall be binding on the Parties and their respective successors  and permitted assigns.  Except as expressly set forth in this Agreement, neither Party may assign this  Agreement without the prior written consent of the other Party; provided, however, either Party may   assign this Agreement to an affiliate without the prior written consent of the other Party, provided that the   assigning Party and such affiliate execute an agreement under which such affiliate assumes the assigning   Party’s obligations and responsibilities under this Agreement.                (f)   Notwithstanding any provision in this Agreement to the contrary, no Party shall  be liable to another Party to the extent fulfillment or performance of any terms or provisions of this  Agreement is delayed or prevented by an act of God, war, act of terrorism, civil commotion, fire or other  casualty, power outages, general shortages of labor, materials or equipment, government regulations or  other cause beyond the reasonable control of such Party.                  (g)   All notices to any of the Parties are to be made in writing and are to be delivered  by person, U.S. Mail, courier, facsimile or electronic mail at the following points of contact:                      If to AFI:                      President, AWM Business Development and COO                    Ameriprise Financial, Inc.                     707 2nd Ave S                     Minneapolis, MN 55474                     Facsimile Number: 612-678-0040                     Electronic Mail Address:  neal.maglaque@ampf.com                                            If to ACC:                      Treasurer                     Ameriprise Certificate Company                     707 2nd Ave S                     Minneapolis, MN 55474                     Electronic Mail Address:  jim.brefeld@ampf.com                                                          Page 6 of 7
 All notices are deemed delivered and received upon receipt.  Either Party may change the address(es) or   addressee(s) for notice hereunder upon written notice to the other Party.                  (h)   No waiver of any right under this Agreement shall be effective unless in writing   executed by the Party against which enforcement of such waiver is sought.  Any waiver shall be effective   only for the specific circumstances with respect to which the waiver was provided and shall in no way act   as a waiver of future rights.                  (i)   No provision of this Agreement may be amended, altered or modified unless   agreed to in writing by both Parties.                 (j)   If any provision of this Agreement is held invalid, illegal, void or unenforceable  by reason of any rule of law, administrative order, judicial decision or public policy, all other provisions  of this Agreement shall nonetheless remain in full force and effect.               (k)   The headings in this Agreement have been inserted for convenience of reference  only and shall in no way restrict or modify any of the terms or provisions hereof or thereof.               (l)   This Agreement shall be governed by and construed in accordance with the laws  of the State of Minnesota.                (m)   This Agreement may be executed in one or more counterparts, each of which  shall be an original, and all of which shall constitute one and the same instrument.               (n)    This Agreement (whether now or hereafter existing), shall supersede any  and all prior agreements thereto, representations and understandings between the Parties,  whether written or oral, with respect to the subject matter of this Agreement.                                   IN WITNESS WHEREOF, Bank and Company have caused this Agreement to be executed on their behalf  by their duly authorized officers as of the Effective Date.               AMERIPRISE FINANCIAL, INC.             AMERIPRISE CERTIFICATE COMPANY         By: /s/ Neal Maglaque                  By: /s/ James A. Brefeld, Jr.      Name: Neal Maglaque                    Name: James A. Brefeld, Jr.                                                  Title: President, AWM Business Development  Title: Treasurer     and Chief Operating Officer                Date: 1/15/2020                         Date: 12/9/2019                                          Page 7 of 7