Exhibit 4.1



 Exhibit 4.1 
 CHASE BANK USA, NATIONAL ASSOCIATION, 
 Transferor, Servicer and Administrator

 CHASE ISSUANCE TRUST, 
 Issuing Entity 
 and 

WELLS FARGO BANK, NATIONAL ASSOCIATION, 
 Indenture Trustee and Collateral Agent 
 AMENDMENT NO. 2 TO THE 

THIRD AMENDED AND RESTATED 
 TRANSFER AND SERVICING AGREEMENT 
 Dated as of July 9, 2013 







 This AMENDMENT NO. 2 TO THE THIRD AMENDED AND RESTATED TRANSFER AND SERVICING AGREEMENT
(this “Amendment No. 2”) among CHASE BANK USA, NATIONAL ASSOCIATION (the “Bank” or “Chase USA”), a national banking association, as Transferor, Servicer and Administrator, CHASE ISSUANCE TRUST,
a statutory business trust created under the laws of the State of Delaware, as Issuing Entity and WELLS FARGO BANK, NATIONAL ASSOCIATION, a national banking association, as Indenture Trustee and Collateral Agent, is made and entered into as of
July 9, 2013. 
 RECITALS 
 WHEREAS, the predecessor to Chase USA, the Issuing Entity and Wells Fargo Bank, National Association, as Indenture Trustee and Collateral Agent have heretofore executed and delivered a Transfer and
Servicing Agreement, dated as of May 1, 2002 (as amended and supplemented or otherwise modified through the date hereof, including by the Assumption Agreement, dated as of October 1, 2004, by Chase USA, as successor Transferor, Servicer
and Administrator, in favor of and for the benefit of the Issuing Entity, the Indenture Trustee and the Collateral Agent, the “Original Transfer and Servicing Agreement”); 

WHEREAS, the parties hereto have heretofore executed and delivered an Amended and Restated Transfer and Servicing Agreement, dated as of
October 15, 2004, as amended by the First Amendment thereto, dated as of May 10, 2005, and a Second Amendment thereto, dated as of February 1, 2006 (as amended, supplemented or otherwise modified, the “Amended and Restated
Transfer and Servicing Agreement”); 
 WHEREAS, the parties hereto have heretofore executed and delivered a Second
Amended and Restated Transfer and Servicing Agreement, dated as of March 14, 2006 (as amended, supplemented or otherwise modified, the “Second Amended and Restated Transfer and Servicing Agreement”); 

WHEREAS, the parties hereto have heretofore executed and delivered a Third Amended and Restated Transfer and Servicing Agreement, dated
as of December 19, 2007, as amended by the First Amendment thereto, dated as of May 8, 2009 (the “First Amendment”) (as amended, supplemented or otherwise modified, the “Third Amended and Restated Transfer and
Servicing Agreement”); 
 WHEREAS, the parties hereto desire to amend the Third Amended and Restated Transfer and
Servicing Agreement as set forth below; 
 WHEREAS, subsection 12.01(a) of the Third Amended and Restated Transfer and
Servicing Agreement provides that the Servicer, the Transferor, the Administrator and the Issuing Entity may amend the Third Amended and Restated Transfer and Servicing Agreement by a written instrument signed by each of them, without the consent of
the Indenture Trustee, any Collateral 

  
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Agent or any of the Noteholders; provided, that (i) the Transferor shall have delivered to the Indenture Trustee and the Owner Trustee an Officer’s Certificate, dated the date of
any such amendment, stating that such Transferor reasonably believes that such amendment will not have an Adverse Effect and (ii) the Note Rating Agency Condition shall have been satisfied; 

WHEREAS, (i) the Indenture Trustee and Owner Trustee have received from each Transferor an Officer’s Certificate, dated the
date hereof, stating that such Transferor reasonably believes that such amendment will not have an Adverse Effect and (ii) the Note Rating Agency Condition has been satisfied; and 

WHEREAS, based on the foregoing, all conditions precedent to the execution of this Amendment No. 2 have been complied with;

 NOW, THEREFORE, the parties hereto hereby are executing and delivering this Amendment No. 2 in order to amend the Third
Amended and Restated Transfer Agreement in the manner set forth below. 

  
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 Capitalized terms used but not defined herein shall have the meanings assigned to them in
the Third Amended and Restated Transfer and Servicing Agreement. 
 1.        
Amendment to Subsection 13.04(a)(i). Subsection 13.04(a)(i) of the Third Amended and Restated Transfer and Servicing Agreement shall be amended by adding the following language to the end of the subsection 13.04(a)(i) after the
clause “as may be amended from time to time by the parties hereto”: 
 “; provided, that the requirement
of subsection 12.01(a)(ii) that the Note Rating Agency Condition shall have been satisfied shall not apply to such an amendment of Exhibit G.” 
 2.         Amendment to Exhibit G. The Third Amended and Restated Transfer and Servicing Agreement shall be amended by deleting in its entirety the existing
Exhibit G and replacing it with the new Exhibit G set forth in Schedule 1 hereto. 

3.         Amendment to Paragraph 7 of the First Amendment. Paragraph 7 of the First
Amendment shall be amended by deleting in its entirety the existing Paragraph 7 and replacing it with the following: 

GOVERNING LAW. THIS FIRST AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE
TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 4.         No Waiver. The execution and delivery of this Amendment No. 2 shall not constitute a waiver of a past default under the Third Amended and
Restated Transfer and Servicing Agreement or impair any right consequent thereon. 

5.         Third Amended and Restated Transfer Agreement in Full Force and Effect as
Amended. Except as specifically amended or waived hereby, all of the terms and conditions of the Third Amended and Restated Transfer and Servicing Agreement shall remain in full force and effect. All references to the Third Amended and Restated
Transfer and Servicing Agreement in any other document or instrument shall be deemed to mean the Third Amended and Restated Transfer and Servicing Agreement as amended by this Amendment No. 2. This Amendment No. 2 shall not constitute a
novation of the Third Amended and Restated Transfer and Servicing Agreement, but shall constitute an amendment thereof. The parties hereto agree to be bound by the terms and obligations of the Third Amended and Restated Transfer and Servicing
Agreement to which they are parties thereto, as amended by this Amendment No. 2, as though the terms and obligations of the Third Amended and Restated Transfer and Servicing Agreement were set forth herein. 

  
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 6.         Effect of Headings and Table of
Contents. The Article and Section headings herein are for convenience only and shall not affect the construction hereof. 

7.         Separability. In case any provision in this Amendment No. 2 shall be
invalid, illegal or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired thereby. 
 8.         Counterparts. This Amendment No. 2 may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed
to be an original, and all of which counterparts shall constitute one and the same instrument. 

9.         GOVERNING LAW. THIS AMENDMENT NO. 2 SHALL BE CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

10.         Effective Date. This Amendment No. 2 shall become effective as of the
day and year first above written. 
 11.         Limitation of Liability. It is
expressly understood and agreed by the parties hereto that (a) this Amendment No. 2 is executed and delivered by Wilmington Trust Company, not individually or personally but solely as owner trustee of the Issuing Entity, in the exercise of
the powers and authority conferred and vested in it, (b) each of the representations, undertakings and agreements herein made on the part of the Issuing Entity is made and intended not as personal representations, undertakings and agreements by
Wilmington Trust Company but is made and intended for the purpose of binding only the Issuing Entity, (c) nothing herein contained shall be construed as creating any liability on Wilmington Trust Company, individually or personally, to perform
any covenant either expressed or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto and (d) under no circumstances shall
Wilmington Trust Company be personally liable for the payment of any indebtedness or expenses of the Issuing Entity or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuing
Entity under this Amendment No. 2 or any other related documents. 

  
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 IN WITNESS WHEREOF, the Transferor, the Servicer, the Administrator, the Issuing Entity,
the Indenture Trustee and the Collateral Agent have caused this Amendment No. 2 to be duly executed by their respective officers as of the day and year first above written. 

 

					
	 CHASE BANK USA, NATIONAL
 ASSOCIATION, as Transferor, Servicer and Administrator

		
	By:    	 	/s/ David A. Penkrot
		 	Name:	 	David A. Penkrot
		 	Title:	 	Senior Vice President
	
	 CHASE ISSUANCE TRUST,
 as Issuing Entity

		
	By:    	 	WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee on behalf of the Trust
		
	By:    	 	/s/ Jennifer A. Luce
		 	Name:	 	Jennifer A. Luce
		 	Title:	 	Vice President
	
	 WELLS FARGO BANK, NATIONAL
 ASSOCIATION
 not in its individual capacity but

solely as Indenture Trustee and Collateral Agent

		
	By:    	 	/s/ Cheryl C. Zimmerman
		 	Name:	 	Cheryl C. Zimmerman
		 	Title:	 	Vice President


 AMENDMENT NO. 2 TO THIRD A&R TSA









					
	 Acknowledged and Accepted:
  

WILMINGTON TRUST COMPANY,
 not in its individual
capacity but
 solely as Owner Trustee

		
	By:    	 	/s/ Jennifer A. Luce
		 	Name:	 	Jennifer A. Luce
		 	Title:	 	Vice President

 AMENDMENT NO. 2 TO THIRD A&R TSA








 Schedule 1 
 Exhibit G 
 SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF
COMPLIANCE 
 The assessment of compliance to be delivered by the [Servicer] [Subservicer] shall address, at a minimum, the
criteria identified below as “Applicable Servicing Criteria”: 
  

							
	SERVICING CRITERIA	  	    APPLICABLE    

SERVICING
CRITERIA	  	    
INAPPLICABLE    
SERVICING
CRITERIA
	 	 	 	 
	Reference	  	Criteria	  	 	  	 
	 			 
	 	  	General Servicing Considerations	  	 	  	 
	1122(d)(1)(i)	  	Policies and procedures are instituted to monitor any performance or other triggers and events of default
in accordance with the transaction agreements.	  	X	  	 
	1122(d)(1)(ii)	  	  
 If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing
activities.
	  	  
 *
	  	 
	1122(d)(1)(iii)	  	  
 Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.
	  	 	  	X
	1122(d)(1)(iv)      
	  	A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing
function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements.	  	X	  	 
	 			 
	 	  	Cash Collection and Administration	  	 	  	 
	1122(d)(2)(i)	  	Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank
clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements.	  	X	  	 
	1122(d)(2)(ii)	  	  
 Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.
	  	X	  	 
	1122(d)(2)(iii)	  	Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or
other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.	  	 	  	X
	1122(d)(2)(iv)	  	The related accounts for the transaction, such as cash reserve accounts or accounts established as a form
of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements.	  	X	  	 
	1122(d)(2)(v)	  	Each custodial account is maintained at a federally insured depository institution as set forth in the
transaction agreements. For purposes of this criterion, “federally insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the
Securities Exchange Act.	  	X	  	 

  
  

* If any material servicing activities are outsourced to third parties, Item 1122(d)(1)(ii) would be included in the
Applicable Servicing Criteria for Servicer. 

  
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	SERVICING CRITERIA	  	    APPLICABLE    

SERVICING
CRITERIA	  	    
INAPPLICABLE    
SERVICING
CRITERIA
	 	 	 	 
	Reference	  	Criteria	  	 	  	 
	1122(d)(2)(vi)	  	Unissued checks are safeguarded so as to prevent unauthorized access.	  	 	  	  
 X
  

	1122(d)(2)(vii)	  	Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts,
including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the
transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original
identification, or such other number of days specified in the transaction agreements.	  	X	  	 
	 			 
	 	  	Investor Remittances and Reporting	  	 	  	 
	1122(d)(3)(i)	  	Reports to investors, including those to be filed with the Commission, are maintained in accordance with
the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance
with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number
of pool assets serviced by the Servicer.	  	X	  	 
	1122(d)(3)(ii)	  	Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority
and other terms set forth in the transaction agreements.	  	X1	  	 
	1122(d)(3)(iii)	  	Disbursements made to an investor are posted within two business days to the Servicer’s investor
records, or such other number of days specified in the transaction agreements.	  	 	  	X
	1122(d)(3)(iv)	  	Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of
payment, or custodial bank statements.	  	X2	  	 
	 			 
	 	  	Pool Asset Administration	  	 	  	 
	1122(d)(4)(i)	  	Collateral or security on pool assets is maintained as required by the transaction agreements or related
pool asset documents.	  	 	  	X
	1122(d)(4)(ii)	  	Pool assets and related documents are safeguarded as required by the transaction agreements	  	 	  	X
	1122(d)(4)(iii)	  	Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance
with any conditions or requirements in the transaction agreements.	  	X	  	 
	1122(d)(4)(iv)      
	  	Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents
are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in
accordance with the related pool asset documents.	  	X	  	 

  
  

1 The Asserting Party allocates amounts due to investors and remits such amounts to the Trustee in accordance with the
timeframes, distribution priority and other terms set forth in the transaction agreements. 
 2 The
Asserting Party agrees amounts remitted to investors per the investor’s reports to amounts remitted to the Trustee per the bank statements. 

  
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	SERVICING CRITERIA	  	    APPLICABLE    

SERVICING
CRITERIA	  	    
INAPPLICABLE    
SERVICING
CRITERIA
	 	 	 	 
	Reference	  	Criteria	  	 	  	 
	1122(d)(4)(v)	  	The Servicer’s records regarding the accounts agree with the Servicer’s records with respect to
an obligor’s unpaid principal balance.	  	X	  	 
	1122(d)(4)(vi)	  	Changes with respect to the terms or status of an obligor’s account (e.g., loan modifications or
re-aging) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents.	  	X	  	 
	1122(d)(4)(vii)	  	Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of
foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements.	  	X	  	 
	1122(d)(4)(viii)	  	Records documenting collection efforts are maintained during the period an account is delinquent in
accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent pool assets
including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment).	  	X	  	 
	1122(d)(4)(ix)	  	Adjustments to interest rates or rates of return for accounts with variable rates are computed based on
the related account documents.	  	X	  	 
	1122(d)(4)(x)	  	Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed,
in accordance with the obligor’s pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool
asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements.	  	 	  	X
	1122(d)(4)(xi)	  	Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the
related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days
specified in the transaction agreements.	  	 	  	X
	1122(d)(4)(xii)	  	Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from
the Servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission.	  	 	  	X
	1122(d)(4)(xiii)     
 	  	Disbursements made on behalf of an obligor are posted within two business days to the obligor’s
records maintained by the Servicer, or such other number of days specified in the transaction agreements.	  	 	  	X
	1122(d)(4)(xiv)	  	Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the
transaction agreements.	  	X	  	 
	1122(d)(4)(xv)	  	Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of
Regulation AB, is maintained as set forth in the transaction agreements.	  	**	  	 

  
  

** If there are any external enhancement or other support identified in Item 1114(a)(1) through (3) or
Item 1115 of Regulation AB, Item 1122(d)(4)(xv) would be included in the Applicable Servicing Criteria for the Servicer. 

  
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	 [NAME OF [SERVICER]

[SUBSERVICER]]

			
	Date:    	 		 	 
		 	By:    	 	 
		 		 	Name:	 	
		 		 	Title:	 	



  
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