Document:

Form of Amended and Restated Change in Control Agreement

 Exhibit 10.4 
 [Form for SVPs] 
 AMENDED AND RESTATED CHANGE IN CONTROL AGREEMENT AMONG

 ESB FINANCIAL CORPORATION, ESB BANK 
 AND                      

This AMENDED AND RESTATED CHANGE IN CONTROL AGREEMENT (this “Agreement”), dated as of the 20th day of November 2012, is among
ESB Financial Corporation (the “Corporation”), ESB Bank, a Pennsylvania chartered savings bank and a wholly owned subsidiary of the Corporation (the “Bank”), and
                         (the “Executive”). Any reference to the “Employers” shall mean both the
Corporation and the Bank, and any reference to an “Employer” shall mean either the Corporation or the Bank, as the context requires. 
 WITNESSETH: 
 WHEREAS, the Executive is presently an officer of the
Employers, and the Executive and the Employers have previously entered into a change in control agreement dated November 21, 2006, as amended and restated as of November 20, 2007 (the “Prior Agreement”); 

WHEREAS, the Employers desire to amend and restate the Prior Agreement in order to update and revise the agreement in several respects;

 WHEREAS, the Employers desire to be ensured of the Executive’s continued active participation in the business of the
Employers; and 
 WHEREAS, in order to induce the Executive to remain in the employ of the Employers and in consideration of the
Executive agreeing to remain in the employ of the Employers, the parties desire to specify the severance benefits which shall be due the Executive in the event that his employment with the Employers is terminated under specified circumstances;

 NOW THEREFORE, in consideration of the premises and the mutual agreements herein contained, the parties hereby agree as
follows: 
 1. Definitions. The following words and terms shall have the meanings set forth below for the purposes of
this Agreement: 
 (a) Annual Compensation. The Executive’s “Annual Compensation” for purposes of this
Agreement shall be deemed to mean the highest level of base salary and cash bonus paid to the Executive by the Employers or any subsidiary thereof during any of the three calendar years ending prior to the calendar year in which the Date of
Termination occurs, provided that the highest base salary and the highest cash bonus may be paid in separate years. 
 (b)
Cause. Termination by the Employers of the Executive’s employment for “Cause” shall include termination because of personal dishonesty, incompetence, willful 

 
misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform stated duties, willful violation of any law, rule or regulation (other than traffic violations or
similar offenses) or final cease-and-desist order. 
 (c) Change in Control. “Change in Control” shall mean a
change in the ownership of the Corporation or the Bank, a change in the effective control of the Corporation or the Bank or a change in the ownership of a substantial portion of the assets of the Corporation or the Bank, in each case as provided
under Section 409A of the Code and the regulations thereunder. 
 (d) Code. “Code” shall mean the Internal
Revenue Code of 1986, as amended. 
 (e) Date of Termination. “Date of Termination” shall mean (i) if the
Executive’s employment is terminated for Cause or for death, the date on which the Notice of Termination is given, and (ii) if the Executive’s employment is terminated for any other reason, the date specified in such Notice of
Termination. 
 (f) Disability. “Disability” shall mean the Executive (i) is unable to engage in any
substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than 12 months, or (ii) is, by reason of
any medically determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than 12 months, receiving income replacement benefits for a period of not less than
three months under an accident and health plan covering employees of the Employers. 
 (g) Good Reason. Termination by
the Executive of the Executive’s employment for “Good Reason” shall mean termination by the Executive following a Change in Control based on the occurrence of any of the following events: 

(i) (A) a material diminution in the Executive’s base compensation as in effect immediately prior to the
date of the Change in Control or as the same may be increased from time to time thereafter, (B) a material diminution in the Executive’s authority, duties or responsibilities as in effect immediately prior to the Change in Control, or
(C) a material diminution in the authority, duties or responsibilities of the officer (as in effect immediately prior to the date of the Change in Control) to whom the Executive is required to report immediately prior to the Change in Control,

 (ii) any material breach of this Agreement by the Employers, or 

(iii) any material change in the geographic location at which the Executive must perform his services under this Agreement
immediately prior to the Change in Control; 
 provided, however, that prior to any termination of employment for Good Reason, the Executive
must first provide written notice to the Employers within ninety (90) days of the initial existence of the condition, describing the existence of such condition, and the Employers shall thereafter have the right to remedy the condition within
thirty (30) days of the date the Employers received 

  
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the written notice from the Executive. If the Employers remedy the condition within such thirty (30) day cure period, then no Good Reason shall be deemed to exist with respect to such
condition. If the Employers do not remedy the condition within such thirty (30) day cure period, then the Executive may deliver a Notice of Termination for Good Reason at any time within sixty (60) days following the expiration of such
cure period. 
 (h) IRS. “IRS” shall mean the Internal Revenue Service. 

(i) Notice of Termination. Any purported termination of the Executive’s employment by the Employers for Cause, Disability or
Retirement or by the Executive for Good Reason shall be communicated by a written “Notice of Termination” to the other party hereto. For purposes of this Agreement, a “Notice of Termination” shall mean a notice which
(i) indicates the specific termination provision in this Agreement relied upon, (ii) sets forth in reasonable detail the facts and circumstances claimed to provide a basis for termination of the Executive’s employment under the
provision so indicated, (iii) specifies a Date of Termination, which shall be not less than thirty (30) nor more than ninety (90) days after such Notice of Termination is given, except in the case of the Employers’ termination of
the Executive’s employment for Cause or for death, which shall be effective immediately, and (iv) is given in the manner specified in Section 7 hereof. 
 (j) Retirement. “Retirement” shall mean voluntary termination by the Executive in accordance with the Employers’ retirement policies, including early retirement, generally applicable
to their salaried employees. 
 2. Benefits Upon Termination. If the Executive’s employment by the Employers shall
be terminated concurrently with or within twenty-four (24) months subsequent to a Change in Control by (i) the Employers other than for Cause, Disability or Retirement or as a result of the Executive’s death, or (ii) the
Executive for Good Reason, then the Employers shall, subject to the provisions of Section 3 hereof, if applicable: 
 (a)
pay to the Executive, in a lump sum as of the Date of Termination, a cash amount equal to two times the Executive’s Annual Compensation; 
 (b) maintain and provide for a period ending at the earlier of (i) twenty-four (24) months after the Date of Termination or (ii) the date of the Executive’s full-time employment by
another employer (provided that the Executive is entitled under the terms of such employment to benefits substantially similar to those described in this subparagraph (b)), at no cost to the Executive, the Executive’s continued participation in
all group insurance, life insurance, health and accident insurance, and disability insurance in which the Executive was participating immediately prior to the Date of Termination, in each case subject to Section 2 below; provided that any
insurance premiums payable by the Employers or any successors pursuant to this Section 2(b) shall be payable at such times and in such amounts (except that the Employers shall also pay any employee portion of the premiums) as if the Executive
was still an employee of the Employers, subject to any increases in such amounts imposed by the insurance company or COBRA, and the amount of insurance premiums required to be paid by the Employers in any taxable year shall not affect the amount of
insurance premiums required to be paid by the Employers in any other taxable year; 

  
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 (c) in the event that the continued participation of the Executive in any group insurance
plan as provided in Section 2(b) is barred or would trigger the payment of an excise tax under Section 4980D of the Code, or during the period set forth in Section 2(b) any such group insurance plan is discontinued, then the Bank
shall at its election either (i) arrange to provide the Executive with alternative benefits substantially similar to those which the Executive was entitled to receive under such group insurance plans immediately prior to the Date of
Termination, provided that the alternative benefits do not trigger the payment of an excise tax under Section 4980D of the Code, or (ii) pay to the Executive within 10 business days following the Date of Termination (or within 10 business
days following the discontinuation of the benefits if later) a lump sum cash amount equal to the projected cost to the Bank of providing continued coverage to the Executive until the two-year anniversary of the Date of Termination, with the
projected cost to be based on the costs being incurred immediately prior to the Date of Termination (or the discontinuation of the benefits if later), as increased by 10% each year; and 

(d) pay to the Executive, in a lump sum within thirty (30) days following the Date of Termination, a cash amount equal to the
projected cost to the Employers of providing benefits to the Executive for a period of twenty-four (24) months pursuant to any other employee benefit plans, programs or arrangements offered by the Employers in which the Executive was entitled
to participate immediately prior to the Date of Termination (other than retirement plans, stock compensation plans or cash compensation plans of the Employers), with the projected cost to the Employers to be based on the costs incurred for the
calendar year immediately preceding the year in which the Date of Termination occurs and with any automobile-related costs to exclude any depreciation on Bank-owned automobiles. 

(e) The payment to the Executive hereunder shall be paid by the Corporation and the Bank in the same proportion as the time and services
actually expended by the Executive on behalf of each respective Employer, and no payments shall be duplicated. 
 (f)
Notwithstanding any other provision contained in this Agreement, if the time period for making any cash payment under this Section 2 commences in one calendar year and ends in the succeeding calendar year, then the payment shall not be paid
until the succeeding calendar year. 
 3. Limitation of Benefits under Certain Circumstances. If the payments and
benefits pursuant to Section 2 hereof, either alone or together with other payments and benefits which the Executive has the right to receive from the Employers, would constitute a “parachute payment” under Section 280G of the
Code, then the payments and benefits pursuant to Section 2 hereof shall be reduced by the minimum amount necessary to result in no portion of the payments and benefits under Section 2 being non-deductible to either of the Employers
pursuant to Section 280G of the Code and subject to the excise tax imposed under Section 4999 of the Code. If the payments and benefits under Section 2 are required to be reduced, the cash severance shall be reduced first, followed by
a reduction in the fringe benefits. The determination of any reduction in the payments and benefits to be made pursuant to Section 2 

  
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shall be based upon the opinion of independent tax counsel selected by the Employers and paid for by the Employers. Such counsel shall promptly prepare the foregoing opinion, but in no event
later than thirty (30) days from the Date of Termination, and may use such actuaries as such counsel deems necessary or advisable for the purpose. Nothing contained in this Section 3 shall result in a reduction of any payments or benefits
to which the Executive may be entitled upon termination of employment other than pursuant to Section 2 hereof, or a reduction in the payments and benefits specified in Section 2 below zero. 

4. Mitigation; Exclusivity of Benefits. 
 (a) The Executive shall not be required to mitigate the amount of any benefits hereunder by seeking other employment or otherwise, nor shall the amount of any such benefits be reduced by any compensation
earned by the Executive as a result of employment by another employer after the Date of Termination or otherwise, except as set forth in Section 2(b) above. 
 (b) The specific arrangements referred to herein are not intended to exclude any other benefits which may be available to the Executive upon a termination of employment with the Employers pursuant to
employee benefit plans of the Employers or otherwise. 
 5. Withholding. All payments required to be made by the
Employers hereunder to the Executive shall be subject to the withholding of such amounts, if any, relating to tax and other payroll deductions as the Employers may reasonably determine should be withheld pursuant to any applicable law or regulation.

 6. Assignability. The Employers may assign this Agreement and their rights hereunder in whole, but not in part, to any
corporation, bank or other entity with or into which the Employers may hereafter merge or consolidate or to which the Employers may transfer all or substantially all of their respective assets, if in any such case said corporation, bank or other
entity shall by operation of law or expressly in writing assume all obligations of the Employers hereunder as fully as if it had been originally made a party hereto, but may not otherwise assign this Agreement or their rights hereunder. The
Executive may not assign or transfer this Agreement or any rights or obligations hereunder. 
 7. Notice. For the
purposes of this Agreement, notices and all other communications provided for in this Agreement shall be in writing and shall be deemed to have been duly given when delivered or mailed by certified or registered mail, return receipt requested,
postage prepaid, addressed to the respective addresses set forth below: 
  

					
	To the Employers:	  	President and Chief Executive Officer	  	
		  	ESB Financial Corporation and ESB Bank	  	
		  	600 Lawrence Avenue	  	
		  	Ellwood City, Pennsylvania 16117	  	
			
	To the Executive:	  	  
	  	
		  	At the address last appearing on	  	
		  	the personnel records of the Employers	  	

  
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 8. Amendment; Waiver. No provisions of this Agreement may be modified, waived or
discharged unless such waiver, modification or discharge is agreed to in writing and signed by the Executive and such officer or officers as may be specifically designated by the Boards of Directors of the Employers to sign on their behalf. No
waiver by any party hereto at any time of any breach by any other party hereto of, or compliance with, any condition or provision of this Agreement to be performed by such other party shall be deemed a waiver of similar or dissimilar provisions or
conditions at the same or at any prior or subsequent time. In addition, notwithstanding anything in this Agreement to the contrary, the Employers may amend in good faith any terms of this Agreement, including retroactively, in order to comply with
Section 409A of the Code. 
 9. Governing Law. The validity, interpretation, construction and performance of this
Agreement shall be governed by the laws of the United States where applicable and otherwise by the substantive laws of the Commonwealth of Pennsylvania. 
 10. Nature of Employment and Obligations. 
 (a) Nothing contained herein
shall be deemed to create other than a terminable at will employment relationship between the Employers and the Executive, and the Employers may terminate the Executive’s employment at any time, subject to providing any payments specified
herein in accordance with the terms hereof. 
 (b) Nothing contained herein shall create or require the Employers to create a
trust of any kind to fund any benefits which may be payable hereunder, and to the extent that the Executive acquires a right to receive benefits from the Employers hereunder, such right shall be no greater than the right of any unsecured general
creditor of the Employers. 
 11. Term of Agreement. This Agreement shall terminate three (3) years after
December 1, 2012; provided that on or prior to December 1, 2013 and each subsequent December 1st, the Boards of Directors of the Employers shall consider (with appropriate corporate documentation thereof, and after taking into account
all relevant factors, including the Executive’s performance as an employee) renewal of the term of this Agreement for an additional one (1) year, and the term of this Agreement shall be so extended as of such December 1st unless the
Boards of Directors of the Employers do not approve such renewal and provide written notice to the Executive, or the Executive gives written notice to the Employers, at least thirty (30) days prior to such December 1st, of such
party’s or parties’ election not to extend the term beyond its then scheduled expiration date; and provided further that, notwithstanding the foregoing to the contrary, this Agreement shall be automatically extended for an additional one
(1) year upon a Change in Control. 
 12. Headings. The section headings contained in this Agreement are for
reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. 

  
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 13. Validity. The invalidity or unenforceability of any provision of this Agreement
shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect. 
 14. Changes in Statutes or Regulations. If any statutory or regulatory provision referenced herein is subsequently changed or re-numbered, or is replaced by a separate provision, then the
references in this Agreement to such statutory or regulatory provision shall be deemed to be a reference to such section as amended, re-numbered or replaced. 
 15. Counterparts. This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original and all of which together will constitute one and the same instrument.

 16. Regulatory Prohibition. Notwithstanding any other provision of this Agreement to the contrary, any payments made
to the Executive pursuant to this Agreement, or otherwise, are subject to and conditioned upon their compliance with Section 18(k) of the FDIA (12 U.S.C. §1828(k)) and the regulations promulgated thereunder, including 12 C.F.R. Part 359.

 17. Entire Agreement. This Agreement embodies the entire agreement between the Employers and the Executive with
respect to the matters agreed to herein. All prior agreements between the Employers and the Executive with respect to the matters agreed to herein, including without limitation the Prior Agreement between the Employers and the Executive, are hereby
superseded and shall have no force or effect. 
 [Signature page follows] 

  
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 IN WITNESS WHEREOF, this Agreement has been executed as of the date first written above.

  

							
	Attest:	 		 	ESB FINANCIAL CORPORATION
				
	  
	 		 	By:	 	  

		 		 		 	Charlotte A. Zuschlag
		 		 		 	President and Chief Executive Officer
			
	Attest:	 		 	ESB BANK
				
	  
	 		 	By:	 	  

		 		 		 	Charlotte A. Zuschlag
		 		 		 	President and Chief Executive Officer
				
	Attest:	 		 		 	
				
	  
	 		 	By:Class A(2012-8) Terms Document

 Exhibit 4.1 
 CHASE ISSUANCE TRUST 
 as Issuing Entity 

CLASS A(2012-8) TERMS DOCUMENT 
 dated as of November 21, 2012 
 to 

AMENDED AND RESTATED 
 CHASESERIES INDENTURE SUPPLEMENT 
 dated as of October 15, 2004

 to 
 THIRD AMENDED AND RESTATED 
 INDENTURE 

dated as of December 19, 2007 
 WELLS FARGO BANK, NATIONAL ASSOCIATION 
 as Indenture Trustee and
Collateral Agent 

 TABLE OF CONTENTS 

 

							
	 	 	 	  	PAGE	 
	ARTICLE I	  
	
	Definitions and Other Provisions of General Application	  
			
	 Section 1.01
	 	Definitions	  	 	1	  
	 Section 1.02
	 	Governing Law	  	 	4	  
	 Section 1.03
	 	Counterparts	  	 	4	  
	 Section 1.04
	 	Ratification of Indenture and Indenture Supplement	  	 	4	  
	
	ARTICLE II	  
	
	The Class A(2012-8) Notes	  
			
	 Section 2.01
	 	Creation and Designation	  	 	5	  
	 Section 2.02
	 	Specification of Required Subordinated Amount and Other Terms	  	 	5	  
	 Section 2.03
	 	Interest Payment	  	 	5	  
	 Section 2.04
	 	Payments of Interest and Principal	  	 	6	  
	 Section 2.05
	 	Form of Delivery of Class A(2012-8) Notes; Depository; Denominations	  	 	6	  
	 Section 2.06
	 	Delivery and Payment for the Class A(2012-8) Notes	  	 	7	  
	 Section 2.07
	 	Supplemental Indenture	  	 	7	  
	 Section 2.08
	 	No Ratings Confirmation Required for Class A(2012-8) Notes	  	 	7	  

 THIS CLASS A(2012-8) TERMS DOCUMENT (this “Terms Document”), among the CHASE
ISSUANCE TRUST, a statutory trust created under the laws of the State of Delaware (the “Issuing Entity”), having its principal office at c/o Wilmington Trust Company, 1100 North Market Street, Wilmington, Delaware 19890-1600, and WELLS
FARGO BANK, NATIONAL ASSOCIATION, a national banking association, as indenture trustee (the “Indenture Trustee”) and as collateral agent (the “Collateral Agent”), is made and entered into as of November 21, 2012. 

Pursuant to this Terms Document, the Issuing Entity and the Indenture Trustee shall create a new Tranche of CHASEseries Class A
Notes and shall specify the principal terms thereof. 
 ARTICLE I 

Definitions and Other Provisions of General Application 
 Section 1.01 Definitions. For all purposes of this Terms Document, except as otherwise expressly provided or unless the context otherwise requires: 

(1) the terms defined in this Article have the meanings assigned to them in this Article, and include the plural as well as the singular;

 (2) all other terms used herein which are defined in the Indenture Supplement, the Indenture or the Asset Pool Supplement,
either directly or by reference therein, have the meanings assigned to them therein; 
 (3) as used in this Terms Document and
in any certificate or other document made or delivered pursuant hereto or thereto, accounting terms not defined in this Terms Document or in any such certificate or other document, and accounting terms partly defined in this Terms Document or in any
such certificate or other document to the extent not defined, shall have the respective meanings given to them under GAAP. To the extent that the definitions of accounting terms in this Terms Document or in any such certificate or other document are
inconsistent with the meanings of such terms under GAAP, the definitions contained in this Terms Document or in any such certificate or other document shall control; 
 (4) the words “hereof,” “herein,” “hereunder” and words of similar import when used in this Terms Document shall refer to this Terms Document as a whole and not to any
particular provision of this Terms Document; references to any subsection, Section, clause, Schedule or Exhibit are references to subsections, Sections, clauses, Schedules and Exhibits in or to this Terms Document unless otherwise specified; the
term “including” means “including without limitation”; references to any law or regulation refer to that law or regulation as 

 
amended from time to time and include any successor law or regulation; references to any Person include that Person’s successors and assigns; and references to any agreement refer to such
agreement, as amended, supplemented or otherwise modified from time to time; 
 (5) in the event that any term or provision
contained herein shall conflict with or be inconsistent with any term or provision contained in the Indenture Supplement, the Indenture or the Asset Pool Supplement, the terms and provisions of this Terms Document shall be controlling; and

 (6) each capitalized term defined herein shall relate only to the Class A(2012-8) Notes and no other Tranche of CHASEseries
Notes issued by the Issuing Entity. 
 “Asset Pool Supplement” means the Second Amended and Restated Asset Pool
One Supplement to the Indenture, dated as of December 19, 2007, by and among the Issuing Entity, the Indenture Trustee and the Collateral Agent. 
 “Beneficiary” means Chase Bank USA, National Association, in its capacity as beneficial owner of the Issuing Entity. 

“Class A(2012-8) Adverse Event” means the occurrence of any of the following: (a) an Early Amortization Event with
respect to the Class A(2012-8) Notes, (b) an Event of Default and acceleration of the Class A(2012-8) Notes, (c) the Class A Usage of the Class B Required Subordinated Amount for the Class A(2012-8) Notes becomes greater than zero or
(d) the Class A Usage of the Class C Required Subordinated Amount for the Class A(2012-8) Notes becomes greater than zero. 
 “Class A(2012-8) Note” means any Note, substantially in the form set forth in Exhibit A-1 to the Indenture Supplement, designated therein as a Class A(2012-8) Note and duly
executed and authenticated in accordance with the Indenture. 
 “Class A(2012-8)
Noteholder” means a Person in whose name a Class A(2012-8) Note is registered in the Note Register. 

“Class A(2012-8) Termination Date” means the earliest to occur of (a) the Principal Payment Date on which the
Outstanding Dollar Principal Amount of the Class A(2012-8) Notes is paid in full, (b) the Legal Maturity Date and (c) the date on which the Indenture is discharged and satisfied pursuant to Article V thereof. 

  
 2 

 “Class A Required Subordinated Amount of Class B Notes” is defined in
Section 2.02(a). 
 “Class A Required Subordinated Amount of Class C Notes” is defined in
Section 2.02(b). 
 “Controlled Accumulation Amount” means $54,166,666.67; provided, however, if the
Accumulation Period Length is determined to be less than twelve months pursuant to Section 3.12(b)(ii) of the Indenture Supplement, the Controlled Accumulation Amount for any Note Transfer Date with respect to the Class A(2012-8) Notes will be
the amount specified in the definition of “Controlled Accumulation Amount” in the Indenture Supplement. 

“Indenture” means the Third Amended and Restated Indenture, dated as of December 19, 2007, between the Issuing
Entity and the Indenture Trustee. 
 “Indenture Supplement” means the Amended and Restated CHASEseries
Indenture Supplement, dated as of October 15, 2004, among the Issuing Entity, the Indenture Trustee and the Collateral Agent. 
 “Initial Dollar Principal Amount” means $650,000,000. 

“Interest Payment Date” means December 17, 2012 and the 15th day of each month thereafter, or if such 15th day is
not a Business Day, the next succeeding Business Day. 
 “Interest Period” means, with respect to any Interest
Payment Date, the period from and including the previous Interest Payment Date (or in the case of the initial Interest Payment Date, from and including the Issuance Date) to but excluding such Interest Payment Date. 

“Issuance Date” means November 21, 2012. 
 “Legal Maturity Date” means October 16, 2017. 

“Note Interest Rate” means a rate per annum equal to 0.54%. 

“Paying Agent” means Wells Fargo Bank, National Association. 

  
 3 

 “Predecessor Note” means, with respect to any particular Note, every
previous Note evidencing all or a portion of the same debt as that evidenced by such particular Note; and, for the purpose of this definition, any Note authenticated and delivered under Section 3.06 of the Indenture in lieu of a mutilated,
lost, destroyed or stolen Note shall be deemed to evidence the same debt as the mutilated, lost, destroyed or stolen Note. 

“Record Date” means, for any Note Transfer Date, the last Business Day of the preceding Monthly Period. 

“Scheduled Principal Payment Date” means October 15, 2015. 

“Stated Principal Amount” means $650,000,000. 
 Section 1.02 Governing Law. THIS TERMS DOCUMENT WILL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY 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. 

Section 1.03 Counterparts. This Terms Document may be executed in any number of counterparts, each of which so executed will
be deemed to be an original, but all such counterparts will together constitute but one and the same instrument. 

Section 1.04 Ratification of Indenture and Indenture Supplement. As supplemented by this Terms Document, each of the
Indenture, the Asset Pool Supplement and the Indenture Supplement is in all respects ratified and confirmed and the Indenture as so supplemented by the Asset Pool Supplement and the Indenture Supplement as so supplemented by this Terms Document
shall be read, taken and construed as one and the same instrument. 
 [END OF ARTICLE I] 

  
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 ARTICLE II 
 The Class A(2012-8) Notes 
 Section 2.01 Creation and Designation.
There is hereby created a Tranche of CHASEseries Class A Notes to be issued pursuant to the Indenture and the Indenture Supplement to be known as the “CHASEseries Class A(2012-8) Notes.” 

Section 2.02 Specification of Required Subordinated Amount and Other Terms. 

(a) For the Class A(2012-8) Notes for any date of determination, the Class A Required Subordinated Amount of Class B Notes will be
an amount equal to 8.13953% of (i) prior to the occurrence of a Class A(2012-8) Adverse Event, the Adjusted Outstanding Dollar Principal Amount of the Class A(2012-8) Notes on such date of determination or (ii) on and after the date on
which a Class A(2012-8) Adverse Event shall have occurred, the greater of (1) the Adjusted Outstanding Dollar Principal Amount of the Class A(2012-8) Notes on such date of determination and (2) the Adjusted Outstanding Dollar Principal
Amount of the Class A(2012-8) Notes as of the close of business on the day immediately preceding the date on which such Class A(2012-8) Adverse Event shall have occurred. 
 (b) For the Class A(2012-8) Notes for any date of determination, the Class A Required Subordinated Amount of Class C Notes will be an amount equal to 8.13953% of (i) prior to the occurrence of a
Class A(2012-8) Adverse Event, the Adjusted Outstanding Dollar Principal Amount of the Class A(2012-8) Notes on such date or (ii) on and after the date on which a Class A(2012-8) Adverse Event shall have occurred, the greater of (1) the
Adjusted Outstanding Dollar Principal Amount of the Class A(2012-8) Notes on such date of determination and (2) Adjusted Outstanding Dollar Principal Amount of the Class A(2012-8) Notes as of the close of business on the day immediately
preceding the date on which such Class A(2012-8) Adverse Event shall have occurred. 
 (c) The Issuing Entity may change the
percentages or the formulas set forth in either clause (a) or (b) above without the consent of any Noteholder so long as the Issuing Entity has (i) received written confirmation from each Note Rating Agency that has rated any
Outstanding Notes that the change in either of such percentages or formulas, as applicable, will not result in a Ratings Effect with respect to any Outstanding Notes and (ii) delivered to the Indenture Trustee and the Note Rating Agencies a
Master Trust Tax Opinion and an Issuing Entity Tax Opinion. 
 Section 2.03 Interest Payment. 

(a) For each Interest Payment Date, the amount of interest due with respect to the Class A(2012-8) Notes shall be an amount equal to the
one-twelfth of the product 

  
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of (i) the Note Interest Rate, times, (ii) the Outstanding Dollar Principal Amount of the Class A(2012-8) Notes determined as of the close of business on the Interest Payment
Date preceding the related Note Transfer Date for the Class A(2012-8) Notes; provided, however, that for the first Interest Payment Date, the amount of interest due with respect to the Class A(2012-8) Notes shall be $234,000.00. Interest on the
Class A(2012-8) Notes will be calculated on the basis of a 360-day year consisting of twelve 30-day months. 
 (b) Pursuant to
Section 3.03 of the Indenture Supplement, on each Note Transfer Date with respect to the Class A(2012-8) Notes, the Indenture Trustee shall deposit into the Class A(2012-8) Interest Funding Sub-Account the portion of CHASEseries Available
Finance Charge Collections allocable to the Class A(2012-8) Notes. 
 Section 2.04 Payments of Interest and
Principal. 
 (a) Any installment of interest or principal payable on any Class A(2012-8) Note which is punctually paid or
duly provided for by the Issuing Entity and the Indenture Trustee on the applicable Interest Payment Date or Principal Payment Date shall be paid by the Paying Agent to the Person in whose name such Class A(2012-8) Note (or one or more Predecessor
Notes) is registered on the Record Date, by wire transfer of immediately available funds to such Person’s account as has been designated by written instructions received by the Paying Agent from such Person not later than the close of business
on the third Business Day preceding the date of payment or, if no such account has been so designated, by check mailed first-class, postage prepaid to such Person’s address as it appears on the Note Register on such Record Date, except that
with respect to Notes registered on the Record Date in the name of the nominee of Cede & Co., payment shall be made by wire transfer in immediately available funds to the account designated by such nominee. 

(b) The right of the Class A(2012-8) Noteholders to receive payments from the Issuing Entity will terminate on the first Business Day
following the Class A(2012-8) Termination Date. 
 Section 2.05 Form of Delivery of Class A(2012-8) Notes; Depository;
Denominations. 
 (a) The Class A(2012-8) Notes shall be delivered in the form of a global Registered Note as provided in
Sections 2.02 and 3.01(i) of the Indenture, respectively. 
 (b) The Depository for the Class A(2012-8) Notes shall be The
Depository Trust Company, and the Class A(2012-8) Notes shall initially be registered in the name of Cede & Co., its nominee. 

  
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 (c) The Class A(2012-8) Notes will be issued in minimum denominations of $100,000 and
integral multiples of $1,000 in excess of $100,000. 
 Section 2.06 Delivery and Payment for the Class A(2012-8)
Notes. 
 The Issuing Entity shall execute and deliver the Class A(2012-8) Notes to the Indenture Trustee for
authentication, and the Indenture Trustee shall deliver the Class A(2012-8) Notes when authenticated, each in accordance with Section 3.03 of the Indenture. 
 Section 2.07 Supplemental Indenture. 
 The Issuing Entity may enter
into a supplemental indenture with respect to the Class A(2012-8) Notes as provided in Section 9.01 of the Indenture; provided, however, that any supplemental indenture which provides for an additional or alternative form of credit enhancement
for the Class A(2012-8) Notes shall, in addition to the requirements set forth in Section 9.01 of the Indenture, require confirmation from the Note Rating Agencies that have rated any Outstanding Notes of the CHASEseries that such change in
credit enhancement will not result in a Ratings Effect with respect to any Outstanding Notes of the CHASEseries. 

Section 2.08 No Ratings Confirmation Required for Class A(2012-8) Notes. 

Notwithstanding Section 3.10(iv) of the Indenture, the Issuing Entity will not be required to obtain written confirmation from each
Note Rating Agency that an issuance of a new Tranche of Notes will not have a Ratings Effect on the Class A(2012-8) Notes. 

[END OF ARTICLE II] 

  
 7 

 IN WITNESS WHEREOF, the parties hereto have caused this Terms Document to be duly executed,
all as of the day and year first above written. 
  

					
	CHASE ISSUANCE TRUST
		
	By:	 	CHASE BANK USA, NATIONAL ASSOCIATION,
		 	as Beneficiary and not in its individual capacity
		
	By:	 	 /s/ Keith W. Schuck

		 	Name:	 	Keith W. Schuck
		 	Title:	 	President
	
	WELLS FARGO BANK, NATIONAL ASSOCIATION, as Indenture Trustee and Collateral Agent
		
	By:	 	 /s/ Cheryl C. Zimmerman

		 	Name:	 	Cheryl C. Zimmerman
		 	Title:	 	Vice President

 Chase Issuance Trust 
 CHASEseries Class A(2012-8) Terms Document 
 Signature Page

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