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Communications are generally available only in English unless otherwise specifically noted. Spanish-
speaking customer service is available.

Your Cardmember Agreement with Us

This document is our standard form credit card agreement in effect on the last business day of the previous
calendar quarter that ended on 6/30/2022 and has been supplemented with pricing information included in the
document(s) titled <Pricing Supplement= and other terms and/or features that may vary between the different
types of credit card accounts that we offer as reflected in the <Addendum to the Cardmember Agreement=.
These documents are provided to you for informational purposes only.  These account terms may not be
available after the above date.  If you apply and are approved for a credit card account with us, your actual
account terms will be based on the terms of the offer available at the time that you applied and your
Cardmember Agreement will be the agreement sent to you when your account is first opened.

Introduction.
This Agreement establishes the terms of your credit card account (<Account=) with Barclays Bank Delaware,
Wilmington, Delaware. Please read it carefully and keep it with your records. You do not need to sign this Agreement,
but please sign the back of your credit card (the <Card=), if you have not already done so. All extensions of credit in
connection with your Account are being made by Barclays Bank Delaware.

Using Your Account/Acceptance of These Terms.
You do not need to accept the Account and this Agreement and none of the fees on this Account (except as otherwise
provided herein) will apply unless you use the Account.  If your Account has an Annual Fee (see the Account
Summary Table to determine if this Account has an Annual Fee) and provided that you have not otherwise used the
Account to make a Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you may close the Account
within thirty days after Account opening by contacting us at the number on the back of your Card, and if you do, you
will not be responsible for paying the Annual Fee.  By signing, keeping, using or otherwise accepting your Card or
Account, you agree to the terms and conditions of this Agreement. You may obtain credit in the form of Purchases,
Balance Transfers and Cash Advances by using your Card, your account number, Checks, or other credit devices.
You agree that we may credit your Account rather than issue cash refunds when you reverse transactions that were
originally charged to your Account. You agree that you will not use your Card or Account in connection with any
transaction that is prohibited or unenforceable and that if you do engage in such a transaction you waive any claim
that the charge is uncollectible on the grounds the transaction was prohibited or unenforceable. The Card must be
returned to us upon request. We may replace your Card with another Card at anytime.

Definitions.

If we use a capitalized term in this document but we do not define the term in this document, the term has the
meaning as used in your monthly statement.

<Agreement= means this document, the Pricing Supplement (the <Supplement=) and the Addendum to the
Cardmember Agreement (the <Addendum=) document and any changes we make to these documents from time to
time.

<Authorized User= means any person you allow to use your Account including without limitation through a Card,
Check, the account number, or other credit device.

<Balance Transfer= means the use of your Account for a loan obtained by a transfer of funds initiated by us at your
request and includes the use of a Balance Transfer Check. <Balance Transfer= includes the Transaction Fees
associated with any Balance Transfer.

<Cash Advance= means the use of your Card or account number to obtain cash loans at any financial institution or
automated teller machine that accepts the Card, the use of a Cash Advance Check or the purchase of Cash
Equivalents. <Cash Advance= includes the Transaction Fees associated with any Cash Advance or any Cash
Equivalent.

<Cash Equivalent= means the use of your Card or account number to obtain money orders, traveler's checks, foreign
currency, lottery tickets, gambling chips, wire transfers, person to person money transfers (including but not limited to
transfers facilitated over the internet), or the use of your Account to open a deposit account or to transfer value to a
stored value card at a location or through a merchant other than a financial institution and any other transaction that
Mastercard, Visa and/or American Express (as applicable to your Account) may designate as a Cash Equivalent. 
Cash Equivalents and the Transaction Fees associated with any Cash Equivalent are considered Cash Advances for
interest calculation purposes.

<Check= or <Convenience Check= means an access check we provide to you to make a Cash Advance or a Balance
Transfer as applicable on your Account. A Check can be either a Balance Transfer Check or a Cash Advance Check

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and will be designated as such by us.

<Daily Periodic Rate= or <DPR= means the applicable APR divided by 365.

<Foreign Transaction= means the use of your Card or Account (other than through a Cash Advance) for a transaction
in a currency other than U.S. dollars. Foreign Transactions and the Transaction Fees associated with any Foreign
Transaction are considered Purchases for interest calculation purposes.

<Monthly Periodic Rate= or <MPR= means the applicable APR divided by 12.

<Purchase= means the use of your Card or account number to buy or lease goods or services and to make a
transaction that is not otherwise a Balance Transfer or a Cash Advance. Purchases include Foreign Transactions,
Account Fees and any adjustments associated with any Purchase.

<You= and <your= refer to each person who has applied for, accepted, or used the Account and each person who has
agreed to be responsible for the Account.

<We,= <us= and <our= refer to Barclays Bank Delaware, unless separately defined herein. It is expressly acknowledged
that the definition of <we= <us= and <our= in the Arbitration Section below, is governed by the definitions set forth in that
provision.

Easy Pay Promotional Offers.  
From time to time we may, at our option, make certain special promotional offers available for certain types of
Purchases ("Easy Pay Offers"). Details of the APR and the promotional repayment terms for any available Easy Pay
Offer will be described in the specific offer. For Easy Pay Offers, the minimum payments during the Easy Pay Offer
term are designed to pay the promotional balance in full at the end of the promotional repayment term if on-time
payments are made. Payments are calculated by adding the promotional Purchase balance at the time the Purchase
is enrolled in the Easy Pay Offer (each an "Easy Pay Balance") and the amount of projected interest that would accrue
on the Easy Pay Balance during the promotional repayment term at the applicable APR if only on-time minimum
payments are made. This amount is then divided by the number of months in the promotional period and rounded up
to the next dollar (each an "Easy Pay Payment Amount").

Enrollment of the eligible Purchase in the Easy Pay Offer may take up to 24 to 72 hours after you have accepted the
Easy Pay Offer. Prior to enrollment the then current non-promotional APR may be applied to the applicable purchase
from the transaction date until the actual enrollment date if in that billing cycle you incur interest charges on
Purchases.

If you do not make each required Easy Pay Payment Amount on time during the repayment period and/or there is a
remaining Easy Pay Balance at the end of the promotional term, this remaining balance will become part of the
Principal Balance and will (i) become subject to the then current non-promotional APR for Purchases on the Account
and (ii) be subject to the non-Easy Pay Offer Minimum Payment Due calculation applicable to the Principal Balance
described in "Your Minimum Payment Each Month". The then current non-promotional APR will be applied to the
remaining Easy Pay Balance amount on the first day of the next billing cycle after expiration of the Easy Pay
promotion on any remaining balance. If you accept an Easy Pay Offer, you acknowledge and agree that the specific
terms of the Easy Pay Offer will modify and become part of this Agreement, and all other terms and conditions of this
Agreement will apply to the Easy Pay Offer.

Obligations on Your Account.
You authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks, and Cash Advances
made or obtained by you or anyone you authorize to use your Card or Account. You agree to pay us for all of these
Purchases, Balance Transfers, Checks, and Cash Advances, plus any interest assessed on your Account and any
other charges and fees which you may owe under the terms of this Agreement, whether resulting from 1) physical use
of your Card or a Check, 2) mail order or telephone, computer or other electronic transaction made without presenting
the Card, or 3) any other circumstances where you authorize a charge, or authorize someone else to make a charge,
to your Account. Each person who has agreed to be responsible on the Account is responsible to pay the full amount
owed on the Account.  If this is a joint Account, we can send statements and notices to either of you.  We may require
that you pay the full amount owed without first asking any other person(s) to pay. Instructions for making payments are
on your monthly billing statement. Payments that comply with the requirements specified on or with your monthly
billing statement, including the time of receipt, will be credited as of the business day they are received. Payments
must be mailed to the correct P.O. Box or to the street address specified for U.S. Priority Mail and overnight payments.
There may be a delay of up to five (5) days in crediting payments that are not made in accordance with those
instructions. Please allow at least seven (7) days for the U.S. Postal Service to deliver your payment. All
payments must be made in U.S. dollars. Any payment made by check or other negotiable instrument or direct debit
must be drawn on a U.S. bank or a U.S. branch of a foreign bank. We reserve the right to accept payments made in a
foreign currency. If we do, we will select the foreign currency rate at our discretion. To ensure the funds from the
bank on which your payment is drawn are not returned, your available credit may not be immediately

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increased by the amount of the payment for up to seven (7) days after the payment posts to the account. If you
overpay or if there is a credit balance on your Account, we will not pay interest on such amounts.

Military Lending Protections.
Federal law provides important protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or
her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the
credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in
connection with the credit transaction; any application fee charged (other than certain application fees for specified
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit
card account). To receive this information and a description of your payment obligation orally, please call 866-540-
9074.

If you are covered by the Military Lending Act, then notwithstanding anything to the contrary in this agreement, to the
extent required by the Military Lending Act, nothing in this agreement will be deemed a waiver of the right to legal
recourse under any otherwise applicable provision of state or federal law.

Credit Line/Authorized Usage.
Your credit line is shown on the folder containing your Card. We may change your credit line from time to time—
either increase or decrease it—in our sole discretion. If at any time (including in the first month after your Account
is opened) you engage in account actions or activity that we perceive could have a negative impact on your credit
standing with us, we may decrease your credit line or close your Account. Your latest credit line will appear on your
monthly billing statement. You agree not to make a Purchase, authorize a Balance Transfer, use a Check, or
obtain a Cash Advance that would cause the unpaid balance of your Account to exceed your credit line. We
may honor Purchases, Balance Transfers, Checks and/or Cash Advances in excess of your credit line at our
sole discretion. If we do, this Agreement applies to that excess and you agree to pay the excess immediately
if we request that you do so. You agree that we may change or cancel your credit line at any time for any
reason without affecting your obligation to pay amounts that you owe under this Agreement.  We will notify you
of any change, but that change may take effect before you receive the notice. We may designate that only a portion of
your credit line is available for Cash Advances. If we do and you exceed your line, you will be considered to have
exceeded your credit line for all purposes of this Agreement. We may limit the authorizations to make
Purchase, Balance Transfer, Check, or Cash Advance transactions that may be accomplished with your Card
or Account.  If you are approved for an account that does not have a preset spending limit please see the
Addendum to the Cardmember Agreement addendum for additional information about your credit line and the
usage of your Account.

Checks on Your Account.
We may issue Checks on your Account in the form of <Balance Transfer Checks= or <Cash Advance Checks,= which
can be used to access your credit line.   Each Check will contain your Account number and may be used only by the
person(s) whose name(s) is/are printed on it.  Each Check must be completed and signed in the same manner as a
regular personal check. If we provide Checks to you, you may not use them to pay any amount you owe under this
Agreement or under any other account you may have with us. Balance Transfer Checks and Cash Advance Checks
are subject to the same rate and other terms under this Agreement as Balance Transfers and Cash Advances,
respectively.  Unless otherwise indicated, all references in this Agreement to Balance Transfers include Balance
Transfer Checks, all references to Cash Advances include Cash Advance Checks, and all references to use of the
Account include use of these Checks.  At our sole discretion we may elect to not honor a Check if there has been a
change in your credit worthiness, your account is not in good standing or if the Check may cause your account to
exceed the Cash Advance or other applicable credit line on your Account.  At our sole discretion we may elect to
honor a Check after its expiration date. Unlike purchase transactions, there are no charge back rights with
regard to Balance Transfer and Check transactions. 

Monthly Billing Statements.
At the end of each monthly billing cycle a statement will be mailed or delivered to you if your Account has a debit or
credit balance of more than $1.00 or if interest or a fee has been imposed. We will not send a monthly billing
statement if we deem your Account uncollectible or if delinquency collection proceedings have been instituted by us
sending your Account to an outside collection agency or attorney for collection.

Your Minimum Payment Each Month.
Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment
Due Date.  We will calculate it as follows:   

If the Statement Balance is less than $30 the Minimum Payment Due equals the Statement Balance shown on

(1)
your monthly statement.

(2)

If the Statement Balance is $30 or more, the Minimum Payment Due equals the greater of $30 or the total of:

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1% of the Principal Balance (defined below),
Any interest charges billed on the monthly statement (excluding any interest charges that
accrued on a deferred interest balance that ended during the billing cycle covered by the
statement),
Any Minimum Interest Charge,
Any Returned Payment Fee, and
Any Late Payment Fee.

In addition, if your Account has one or more Easy Pay Balance(s), your Minimum Payment Due will include:

Any Easy Pay Payment Amount(s) for that cycle, and
Any past due Easy Pay Payment Amount(s).

The <Principal Balance= equals the Statement Balance on your monthly statement minus any Easy Pay Balances and
minus any interest charges, Minimum Interest Charge, Returned Payment Fee, and Late Payment Fee that is incurred
during the current billing cycle.

If we so elect, your Minimum Payment Due may also include any amount that, at the time of billing, is past due and/or
over your credit line.  In certain instances, your Minimum Payment Due may be less than the total fees and interest
assessed that billing cycle.  At any time, you may pay more than the Minimum Payment Due up to the full amount you
owe us.  However, you cannot <pay ahead=.  This means that if you pay more than the required Minimum Payment
Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next
month’s required Minimum Payment Due by your next Payment Due Date.

Variable Rate Information

APR for Purchases: The variable rate equals the Prime Rate plus a margin of 22.74%, (this corresponds to a current
DPR of 0.0753%) (this corresponds to a current MPR of 2.2908% for residents of Iowa at the time of account opening
(if applicable)).

APR for Balance Transfers: The variable rate equals the Prime Rate plus a margin of 22.74% (this corresponds to a
current DPR of 0.0753%) (this corresponds to a current MPR of 2.2908% for residents of Iowa at the time of account
opening (if applicable)).

APR for Cash Advances: The variable rate equals the Prime Rate plus a margin 23.74% (this corresponds to a
current DPR of 0.0781%) (this corresponds to a current MPR of 2.3742% for residents of Iowa at the time of account
opening (if applicable)).

Variable Rate Information.
The following applies to any APR on your Account that varies with the market based on the Prime Rate.  The standard
Annual Percentage Rates (APRs) on our Account that are used to determine the amount of interest to be charged for
Purchases, Balance Transfers, and Cash Advances are variable rates. The APRs on your Account correspond to a
daily periodic rate (<DPR=) or a monthly periodic rate (<MPR=) which is applicable only to residents of Iowa at the time
of Account opening. The applicable DPRs/MPRs on your Account equal 1/365th (or 1/12th for residents of Iowa at the
time of Account opening) of the sum of 1) the applicable Prime Rate, 2) plus the margin(s) listed above for each
Purchase, Balance Transfer, or Cash Advance balance or the margin listed above if a Penalty APR applies. The
<Prime Rate= used in determining the APRs in each billing cycle will be the highest rate published in the Money Rates
column of The Wall Street Journal on the last business day of each month.  An increase or decrease in the Prime Rate
will cause a corresponding increase or decrease to your variable rates on the first day of the billing cycle that begins in
the same month in which the applicable Prime Rate is published. Any such increase or decrease will cause a
corresponding increase or decrease in the amount of interest assessed and possibly in the amount of the Minimum
Payment Due.  If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the
U.S. Prime Rate, we may substitute another index. The Prime Rate was 4.75% as of the last business day of the
quarter that ended 6/30/2022.

Transaction Fees.
If you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such Cash
Advance. If you use your Card or Account to make a Balance Transfer, we will charge a Balance Transfer Fee for
each such Balance Transfer. If you use your Card or Account to purchase Cash Equivalents, we will charge a Cash
Advance Fee (sometimes we may refer to this as a Cash Equivalent Fee) for each such transaction. If you use your
Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such transaction.
Balance Transfer Checks and Cash Advance Checks are subject to the same Transaction Fee as Balance Transfers
and Cash Advances, respectively.  The present amounts of those charges are stated in the Account Summary Table.

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Account Fees.   
In addition to the fees listed in the Account Summary Table, we may also assess the Account Fees listed below. 

Annual Fee  - If your account has an Annual Fee, generally it will be billed at account opening and every twelve
months thereafter. The amount of the Annual Fee, if there is one on your Account, is listed in the Account Summary
Table.

Late Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due
by the Payment Due Date shown on your monthly statement, we may charge you a Late Payment Fee.  The amount
of the Late Payment Fee will be determined in accordance with applicable law.  Thus, the fee generally will not exceed
the amount of the applicable Minimum Payment Due.  In addition, this fee will not exceed $41. If you have not been
assessed a late fee in the 6 preceding billing cycles, this fee will not exceed $30.

Late Payment Fee for Residents of Iowa at the Time of Account Opening -  If we do not receive a payment from
you in at least the amount of your Minimum Payment Due by the Payment Due Date shown on your monthly
statement, we may charge you a Late Payment Fee.  The amount of the Late Payment Fee will be determined in
accordance with applicable law.   Thus, the fee generally will be the amount of the applicable Minimum Payment Due
or $15, whichever is less.  

Returned Payment Fee -  If your bank does not honor a check or direct debit you deliver to us, or we must return a
check because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The amount of
the Returned Payment Fee will be determined in accordance with applicable law.  Thus, the fee generally will not
exceed the amount of the applicable Minimum Payment Due. In addition, this fee will not exceed $41. If you have not
been assessed a returned payment fee in the 6 preceding billing cycles, this fee will not exceed $30.

Returned Payment Fee for Residents of Iowa at the Time of Account Opening -  If your bank does not honor a
check or direct debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, we
may charge you a Returned Payment Fee.  The amount of the Returned Payment Fee will be determined in
accordance with applicable law.  Thus, the fee generally will be the amount of the applicable Minimum Payment Due
or $15, whichever is less. 

Returned Check Fee  -  If we return a Convenience Check (which includes a Balance Transfer Check or a Cash
Advance Check) unpaid because it exceeds your available credit line at the time it is processed, your Account is
closed or otherwise does not have charge privileges, you did not comply with our instructions regarding the Check or
your Account is past due, we may charge you a Returned Check Fee.  The amount of the Returned Check Fee will be
determined in accordance with applicable law.  Thus, the fee generally will not exceed the amount of the returned
Convienience Check.  In addition, this fee will not exceed $41. If you have not been assessed a returned check fee in
the 6 preceding billing cycles, this fee will not exceed $30.

Returned Check Fee for Residents of Iowa at the Time of Account Opening -  If we return a Convenience Check
(which includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit
line at the time it is processed, your Account is closed or otherwise does not have charging privileges, you did not
comply with our instructions regarding the check or your Account is past due, we may charge you a Returned Check
Fee.  The amount of the Returned Check Fee will be determined in accordance with applicable law.  Thus, the fee
generally will not exceed the amount of the returned Convenience Check or $20, whichever is less. 

Check Stop Payment Fee 3 If we stop payment on a Convenience Check at your request, we may charge you a
Check Stop Payment Fee of up to $39.95.

Check Stop Payment Fee for Residents of Iowa at the Time of Account Opening 3 If we stop payment on a
Convenience Check at your request, we may charge you a Check Stop Payment Fee of $29.

Foreign Currency Conversion.

For Mastercard Cards, we and Mastercard (or their affiliates) will convert transactions in foreign currencies into U.S.
Dollars. Mastercard will use their currency conversion procedures that are current at the time of the transaction.
Currently, Mastercard selects a rate from the range of rates available in the wholesale currency markets for the
applicable central processing date, which rate may vary from the rate Mastercard itself receives, or the government
mandated rate in effect for the applicable central processing date. The currency conversion rate used on the
conversion date may differ from the rate in effect on the date you used your Card or Account.

For Visa Cards, we and Visa (or their affiliates) will convert transactions in foreign currencies into U.S. Dollars. Visa
will use its currency conversion procedures that are current at the time of the transaction. Currently, Visa selects a rate
from the range of rates available in the wholesale currency markets for the applicable central processing date, which
rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central

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processing date. The currency conversion rate used on the conversion date may differ from the rate in effect on the
date you used your Card or Account.

Authorized Users.
You may allow Authorized Users to use your Account. When you tell us to add an Authorized User to your account,
you are confirming that you have a relationship with the person or persons you’ve added, that all their information is
correct, and that you have their consent to add them. If you allow an Authorized User to use your Account, you will be
liable for all transactions made by that person including transactions for which you may not have intended to be liable,
even if the amount of those transactions causes your credit limit to be exceeded. You must notify us to revoke your
permission to allow an Authorized User to use your Account or Card. Until you revoke your permission, you are
responsible for all charges made by an Authorized User, including Balance Transfer Check and Cash Advance Check
transactions, regardless of whether you intended to be responsible for those charges. Authorized Users may remove
themselves from your Account upon request. We reserve the right to remove them from your Account for any reason.
If you request additional Cards for Authorized Users, checks accessing this Account may also be included with the
Card. Barclay’s provides account information to the credit reporting agencies for all account users. This information
could impact an authorized user’s credit score.

Administrative Charges.
If you request photocopies of monthly billing statements, you will be charged for each duplicate requested. For each
statement that is less than 25 months old, you will be charged $5. For each statement that is 25 or more months old,
you will be charged $10. If you request any special services such as obtaining Cards on an expedited basis, you
agree to pay our reasonable charges for such services, in effect at that time.

Default/Collection Costs.
Unless otherwise prohibited by law, your Account will be in default and we may demand immediate payment of the
entire amount you owe us if: 1) in any month we do not receive your Minimum Payment Due by the Payment Due
Date; 2) you make Purchases, initiate Balance Transfers, use a Check, or obtain Cash Advances in excess of your
credit line; 3) you fail to comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die or become
incapacitated; or 6) we believe in good faith that the payment or performance of your obligations under this Agreement
is impaired for any other reason. As permitted by applicable law, you agree to pay all collection expenses actually
incurred by us in the collection of amounts you owe under this Agreement (including court or arbitration costs and the
fees of any collection agency to which we refer your Account) and, in the event we refer your Account after your
default to an attorney who is not our regularly salaried employee, you agree to pay the reasonable fees of such
attorney. We will not be obligated to honor any attempted use of your Account if a default has occurred or we have
determined to terminate your Account or limit your Account privileges (as discussed below).

Termination/We May Suspend Or Close Your Account. 
We may suspend or close your account or otherwise terminate your right to use your account without prior
notice, even if you pay on time and your account is not in default. We may do this at any time and for any
reason, including but not limited to, if there is a change to your creditworthiness or if your Account becomes
inactive.  For purposes of this section <inactivity= is generally defined as no purchases or other transactions
on your account, no balance and no other activity on your Account for a period of time as determined by us.
 You must destroy all Cards, Checks or other credit devices on the Account when we request it. You agree that you will
not try to make a Purchase, use a Check, initiate a Balance Transfer or obtain a Cash Advance after you have been
notified that your privilege to use your Account has been closed or revoked.  You may close your Account at any time.
If you do, you must destroy all Cards and Checks previously issued on the Account.  If you call us, we may require
that you confirm your termination in writing. Whether your account is closed by us or by you, your obligations under
this Agreement continue even after the Account is closed.

Notices to You.
Billing statements and notices will be sent to the address shown in our files. If this is a joint Account, we may send
billing statements and notices to either of you. You promise to promptly inform us of any change in your e-mail
address or your U.S. mail address. You may update this information by visiting the website on the back of your Card
and sending us an e-mail or telephoning us at the telephone number provided below on your Card. We may in our
discretion accept address corrections from the United States Postal Service.

Skip Payment Program and Other Special Terms.
From time to time, we may let you skip or reduce one or more monthly payments during a year (interest will continue
to accrue) or offer you other special features. If we do, we will advise you of the scope and duration of the applicable
skip or special feature. When the skip or special feature ends, your regular terms will resume.

Changes to this Agreement. 
We can change this Agreement, including the annual percentage rate and any fees, as permitted by applicable
law. These changes may include the addition or deletion of provisions relating to your Account or to the
nature, extent, and enforcement of the rights and obligations you or we may have under this Agreement.  We
will notify you of any change.  Any change, including any increase or decrease in your APRs, will become

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effective at the time stated in our notice and will apply to those balances, including new transactions, on your
Account as described in our notice.

Credit Performance.
Your Account was established based upon criteria which reflect your particular credit history. We will from time to time
review your credit performance. In addition to any other rights we have, if you do not maintain your past level of credit
performance, we may change some or all of the Account terms on your Account, and if we do we will notify you as
provided in this Agreement and in accordance with applicable law.

Credit Information.
You agree that we may request consumer credit reports from one or more credit reporting agencies in
connection with your application and the administration of your Account. You also authorize us to exchange
credit information concerning you or your Account with (and answer questions and requests from) others, such as
merchants, other lenders and credit reporting agencies. From time to time we may request employment and income
data from third parties for the ongoing administration of your Account.

Calls/Electronic Communications. 
In the regular course of our business, we may monitor and record phone conversations made or received by our
employees or our agents. Similarly, we may monitor and record e-mail or conversations on our website between you
and our employees or agents. You agree that we will have such right with respect to all phone conversations, e-mail or
conversations between you and our employees or agents, whether initiated by you or any of our employees or
agents.  We may contact you by telephone in connection with the Account, directly or through an agent 3 for example,
to collect amounts owed on the Account, to notify you of potential fraudulent transactions on your account or for other
account-servicing purposes.  If at any time you provide a mobile telephone number at which you may be contacted,
you consent to receive calls (including autodialed calls and prerecorded messages) at that mobile number from us,
our successors and assigns, and our affiliates, agents and independent contractors, including servicers and collection
agents, regarding the Account or your related financial obligations. 

You consent and further agree that:

(1)

these telephone calls, from us or on our behalf, may be made:
(a)
(b)
(c)

to the telephone number(s) that you provided on the Account application,
to any other telephone number(s) that you later provide to us, and/or
to any telephone number(s) that we are permitted by law to use to contact you;

(2) these calls may be sent using automatic dialing equipment and/or include prerecorded messages;
(3) other communications, including mobile text messages, may be sent to the same telephone number(s)
(technology permitting);
(4) you may be charged by your service provider for these calls in accordance with your service plan between you
and your current telephone provider;
(5)
(6) except to the extent prohibited by applicable law, other communications, including, but not limited to, fax or
telecopier, Internet, U.S. mail, and non-mobile email messages, may be sent to you.

these calls and/or messages are not <unsolicited= calls for purposes of applicable law; and

Consent to Receive Electronic Notices.
You may receive periodic billing statements and other notices regarding your Account electronically or by U.S. mail. By
requesting statements and other notices electronically, and by providing any other legally required consents, you
affirmatively consent to receive all periodic billing statements and other notices electronically when legally permissible.
Otherwise, statements and notices will be sent to the address shown in our files. If at any time you need a paper copy
of statements or notices, or you change your mind and prefer to receive all your statements and notices in paper
rather than electronic form, telephone us at the number provided on the back of your Card or visit us at the website on
the back of your Card and send us an e-mail. In order to access your statements and notices electronically, you must
have access to: 1) a current version of an Internet browser such as Chrome, Safari, or Edge, 2) a connection to the
Internet, 3) a current version of a program that accurately reads and displays PDF files, and 4) a computer and an
operating system capable of supporting the preceding list of items. If you wish to print and retain paper records you
will need a printer and wish to retain records in electronic form, you will need electronic storage. By accepting the
receipt of electronic statements and other notices, you confirm that you have the software and equipment that satisfies
these requirements to enable you to access and retain your statements and notices electronically.

Refusal to Honor Card.
We are not responsible for refusals to honor your Card or Checks. Except as otherwise required by applicable law or
regulation, we will not be responsible for merchandise or services purchased or leased through use of your Account.

Irregular Payments and Delay in Enforcement.
We can accept late payments, partial payments, checks and money orders marked <Paid in Full= or language having
the same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under

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this Agreement any number of times without losing them. The fact that we may at any time honor a Purchase, Check,
Balance Transfer or Cash Advance in excess of your maximum credit line does not obligate us to do so again.

Our Rights Continue.
Our failure or delay in exercising any of our rights under this Agreement does not mean that we are unable to exercise
those rights later.

Electronic Check Conversion.
If you make a payment on this Account utilizing a check, you authorize us either to use the information from your
check to make a one-time electronic fund transfer from your checking/deposit account or to process the payment as a
check transaction.  When we use information from your check to make an electronic fund transfer, funds may be
withdrawn from your bank account as soon as the same day you make your payment, and you will not receive your
check back from your financial institution. For inquiries, please call the number listed on the back of your Card.

Payments That Are Returned on Your Account. 
If a payment you make is not honored by your bank and we have already credited your account for the payment, we
will reverse the credit in the following manner.  We separately total the amounts credited to Purchases, Cash
Advances, and Balance Transfers.  For each such amount we create a new transaction at the then current applicable
rate for Purchases, Cash Advances, and Balance Transfers, respectively, and add that transaction to your account as
of the date the original payment was first credited to your Account.

Payment Allocation.
Subject to any mandatory provisions of applicable law, in most instances, we will allocate any amount over your
minimum payment to the highest APR balances first. Payments up to the minimum payment will be applied at our
discretion, including to lower APR balances first. If you have any Easy Pay Balances on your Account, that portion of
your minimum payment attributable to your monthly Easy Pay Payment Amount will be applied first to your Easy Pay
Balances.

Liability for Unauthorized Use of Your Account.
If your Card or any Check(s) are lost or stolen or if you have reason to think someone may use your Account without
your permission, you must notify us at once. Please either visit the website on the back of your Card and send us an
e-mail or telephone us at the number on the back of your Card concerning the loss or theft of your Card or Checks or
the possible unauthorized use of your Account. Do not use the Card, Account number or any Checks after they have
been reported lost or stolen, even if they are found or returned. You will not be liable for unauthorized use of the
Account; however, you must identify for us the charges that were not made by you or someone authorized by you and
through which you received no benefit. We may require you to provide us with certain information and to comply with
our investigation procedures. We may terminate or limit access to your Account if you have notified us or we have
determined that your Card or Checks may have been lost or stolen, or that there may be unauthorized access to your
Account.

Assignment.
We may at any time assign or sell your Account, any sums due on your Account, this Agreement or our rights or
obligations under this Agreement. The person(s) to whom we make any such assignment or sale shall be entitled to all
of our rights under this Agreement, to the extent assigned.

Governing Law.
THIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE
AND, AS APPLICABLE, FEDERAL LAW.

Inquiries or Questions.
You may address any inquiries or questions which you have about your Account to Barclays Bank Delaware, by
visiting the website on the back of your Card and sending us an e-mail, writing us at Barclays Bank Delaware, P.O.
Box 8801, Wilmington, DE 19899-8801, or calling us at the number on the back of your Card. Spanish-speaking
customer service is available. If you telephone or email us instead of writing, you may lose certain rights the law gives
you to dispute billing errors.

If You Have a Complaint with Us.
We are committed to providing quality products and services to our customers. To do this, we seek opportunities to
make lives simpler for our customers, provide avenues for our customers to report any form of dissatisfaction that they
may have with us, and have established complaint principles.For additional information about our complaint policy,
please go to the Contact Us section on www. barclaycardus.com. If you are dissatisfied with our products or services
and would like to submit a complaint, you can do so by either writing us at Card Services, P.O. Box 8801, Wilmington,
DE 19899-8801, or calling us at 1-888-232-0780 [ADA/Accessibility Services- Please use Relay Service 711].

ARBITRATION.
THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU IF YOU ARE SUBJECT TO THE PROTECTIONS

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OF THE MILITARY LENDING ACT.
This arbitration provision provides for binding arbitration of all Claims by either you or us against the other if either you
or we choose to refer the Claim to arbitration. The terms <you,= <we,= and <us= are defined below for purposes of this
arbitration provision. A <Claim= covered by this provision is any claim, dispute or controversy by either you or us
against the other, arising from or relating in any way to this Agreement, your Account, any transaction or activity on
your Account, our relationship, products or services provided by us or a third party in connection with this Agreement
or your Account or purchases with your Card from The Gap, Inc. (including any of its subsidiary brands)1, including
(without limitation) claims, disputes, or controversies based on contract, tort (including intentional torts), fraud, agency,
negligence, statutory or regulatory provisions or any other source of law and (except as otherwise specifically provided
in this Agreement). All issues shall be for the arbitrator to decide except issues related to the scope, enforceability,
interpretation, or formation of this arbitration agreement, which shall be for the court to decide. For purposes of this
arbitration provision, <you= includes yourself, any authorized user on the Account, and any of your agents,
beneficiaries or assigns, or anyone acting on behalf of the foregoing, and <we= or <us= includes our employees,
parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and specifically The Gap, Inc. (including any of its
subsidiary brands), and to the extent included in a proceeding in which Barclays is a party, Barclays’ service providers
and marketing partners. You and we acknowledge and agree that The Gap, Inc. (including its subsidiary brands) is an
intended third-party beneficiary of this Arbitration section and may enforce it.In arbitration, a neutral arbitrator4not a
judge or a jury4decides whether to award relief. Procedures are also simpler in arbitration than in court. For example,
discovery is more limited. Review of the arbitrator’s decision by appeal is also limited (as described below in this
arbitration provision). You and we agree that all Claims must be arbitrated on an individual basis between you and us,
and not on a class, representative, or any other kind of collective basis. As a result, class actions and other
representative or collective basis proceedings are not available for resolution of Claims. Apart from Claims arising
from the same Account, no claims may be joined together in the arbitration. The arbitrator shall not have any authority
to entertain a claim, or to award any relief, on behalf of or against anyone other than a named party to the arbitration
proceeding.

TO BE CLEAR, ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL
HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT. IN ARBITRATION YOU AND WE WILL NOT HAVE THE
RIGHTS THAT ARE PROVIDED IN COURT INCLUDING THE RIGHT TO A TRIAL BY JUDGE OR JURY AND THE
RIGHT TO PARTICIPATE OR BE REPRESENTED IN PROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS
ACTIONS OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT TO DISCOVERY AND THE RIGHT TO
APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF THESE RIGHTS ARE WAIVED AND
ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.

If any Claim is advanced in a court, arbitration may be elected under this provision instead, and the right to elect
arbitration shall not be deemed to have been waived if the election is made at any time before commencement of trial.
Alternatively, you or we may pursue a Claim within the jurisdiction of the Justice of the Peace Court in Delaware, or
the equivalent court in your home jurisdiction, or if against The Gap, Inc. (including any of its subsidiary brands) then
in small claims court in California or the equivalent court in your home jurisdiction, provided that the action remains in
that court, is made on behalf of or against you only and is not made part of a class action, private attorney general
action or other representative or collective action. You and we agree to honor a request by the other to remove an
action to these small claims courts (i.e., Justice of the Peace Court in Delaware, small claims court in California, or the
equivalent court in your home jurisdiction), provided that the opposing party receives the request within forty-five days
of the notice of commencement of arbitration. Any arbitration proceeding shall be stayed pending determinations by
the small claims court, including determination of its jurisdiction to address the Claim.
The arbitration shall be administered by the American Arbitration Association, www.adr.org, 950 Warren Avenue, East
Providence, Rhode Island, 02914, 1-866-293-4053 (the <Administrator=). The Administrator provides information about
arbitration, its arbitration rules and procedures, fee schedule and claims forms at its web site or by mail as set forth
above. The arbitration hearing may be conducted in person, by telephone, or based on documents, as appropriate.
The Administrator will apply the rules and procedures in effect and applicable to the claim at the time the arbitration is
filed. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated with any other
arbitration proceedings. The Administrator shall resolve each dispute in accordance with applicable law.

If you commence arbitration, you must provide us the notice required by the Administrator’s rules and procedures. The
notice may be sent to us at Barclays Bank Delaware, P.O. Box 8801, Wilmington, DE 19899-8801, or if against The
Gap, Inc. (including any of its subsidiary brands) to The Gap, Inc. Legal Department, 2 Folsom St., San Francisco, CA
94105. If we commence arbitration, we will provide you notice at your last known billing address. Any in-person
arbitration hearing at which you appear will take place at a location within the federal judicial district that includes your
billing address at the time the Claim is filed. This arbitration agreement is made pursuant to a transaction involving
interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. No class actions, joinder
or consolidation of any Claim with a Claim of any other person or entity shall be allowable in arbitration, without the
written consent of both you and us. In the event that there is a dispute about whether limiting arbitration of the parties’
dispute to non-class proceedings is enforceable under applicable law, then that question shall be resolved by litigation
in a court rather than by the arbitrator; and to the extent it is determined that resolution of a Claim shall proceed on a
class basis, it shall so proceed in a court of competent jurisdiction rather than in arbitration.

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A party can appeal an arbitrator’s award pursuant to the AAA’s Optional Appellate Arbitration Rules (<Appellate Rules=)
within 30 days of the date of the issuance of the arbitrator’s award issuance. As specified in the Appellate Rules, a
party may appeal on the grounds that the arbitrator’s award is based on an error of law that is material and prejudicial;
or that the award is based on determinations of fact that are clearly erroneous. As further specified in the Appellate
Rules, the decision by the appellate tribunal shall become the final award for purposes of judicial enforcement
proceedings. Any final arbitration award will be binding on the named parties and enforceable by any court having
jurisdiction. Judgment upon any arbitration award may be entered in any court having jurisdiction. We will pay, or
reimburse you for, all fees or costs to the extent required by law or the rules of the arbitration Administrator. Whether
or not required by law or such rules, if you prevail at arbitration on any Claim against us, we will reimburse you for any
fees paid to the Administrator in connection with the arbitration proceedings. Under no circumstances will we seek
from you payment or reimbursement of any fees that we incur in connection with arbitration. If you are required to
advance any fees or costs to the arbitration Administrator, but you ask us to do so in your stead, we will consider and
respond to your request.

This arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the
assignment or termination of the Cardmember Agreement and the Account relationship, including your payment in full,
and your filing of bankruptcy or obtaining a discharge in bankruptcy. Nothing in this Agreement shall be construed to
prevent any party’s use of (or advancement of any claims, defenses, or offsets in) bankruptcy or repossession,
replevin, judicial foreclosure or any other prejudgment or provisional remedy relating to any collateral, security or
property interests for contractual debts now or hereafter owed by either party to the other under this Agreement.

1 The subsidiary brands of The Gap, Inc., as of the time of this agreement, are Athleta LLC, Athleta Inc., GPS
Consumer Direct, Inc., Gap (Puerto Rico) Inc., Banana Republic, LLC, Old Navy, LLC

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