Pricing Supplement to the
Cardmember Agreement

The information provided below in this Pricing Supplement, along with the Cardmember Agreement(s) and the
Addendum to the Cardmember Agreement (as applicable) reflects certain account pricing and terms that were
available to certain applicants that applied for and were approved for certain credit card accounts on the last
business day of the calendar quarter that ended on 12-31-2012.  These account terms may not be available after
that date.

These documents are being provided to you for informational purposes only.  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, what you are approved for and your actual Cardmember Agreement will be the agreement sent to
you when your account is first opened.

Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases

11.99% to 24.99% APR.   This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

11.99% to 24.99% APR.   This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24% APR.   This APR will vary with the market based on the Prime Rate.

Penalty APR and When it
Applies

Up to 30.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may
apply indefinitely.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle.  We will not charge you interest on
purchases if you pay your entire balance by the due date each month.  We will begin charging interest on
balance transfers, checks and cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 ($0.50 for residents of Iowa at the time of
account opening).

Fees

Annual Fee

Transaction Fees:

Balance Transfer

$0

Either $10 or 4% of the amount of each transfer, whichever is greater.  We may from time to time offer you
lower Transaction Fees on Balance Transfers and Checks.

Cash  Advance

Either $10 or 5%  of the amount of each cash advance, whichever is greater.

Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:

Late Payment

Up to $35 depending upon the state that you live in at the time of account opening.

Returned Payment

Up to $35 depending upon the state that you live in at the time of account opening.

Additional Check Related Fees

Check Stop Payment Fee

Up to $39.95 depending upon the state that you live in at the time of account opening.

Returned Check Fee

Up to $35 depending upon the state that you live in at the time of account opening.

How the Penalty APR may apply to your Account.

We use a method called "daily balance (including new purchases)'. if you are a resident of Iowa at the time the account is
opened, we use a method called "average daily balance (including new purchases)". See Addendum to the Cardmember
Agreement for more details. 

As of 12-31-2012 the Prime Rate was 3.25%.

 
 
 
 
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 12-31-2012 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. 

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 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 with a
business or entity located outside of the United States or 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.

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

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.

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. Your available credit
may not be immediately increased by the amount of the payment for up to seven (7) days to ensure we collect the
funds from the bank on which your payment is drawn. If you overpay or if there is a credit balance on your Account, we
will not pay interest on such amounts.

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 many 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 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:   

(1)   If the Principal Balance (defined below) is less than $20, the Minimum Payment Due equals the Statement Balance
shown on your monthly statement.

(2)    If the Principal Balance is $20 or more, the Minimum Payment Due equals the greater of $20 or the total of:

1% of the Principal Balance,
Any interest charges billed on the monthly statement (excluding any interest charges that accrued during prior billing
cycles 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.

The “Principal Balance” equals the Statement Balance on your monthly statement 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 from 8.74% to 21.74%, (this corresponds to a
current DPR of 0.0328%  - 0.0685%) (this corresponds to a current MPR of 0.9992% - 2.0825% 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 from 8.74% to 21.74%, (this
corresponds to a current DPR of 0.0328%  - 0.0685%) (this corresponds to a current MPR of 0.9992% - 2.0825% 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 of 21.99%, (this corresponds to a current
DPR of 0.0692%) (this corresponds to a current MPR of 2.1033% for residents of Iowa at the time of account opening (if
applicable)).

Penalty APR: The variable rate equals the Prime Rate plus a margin from 0% to 26.99%, (this corresponds to a current DPR
of  0.0000% - 0.0828%) (this corresponds to a current MPR of  0.0000% - 2.5200% 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, Cash Advances, and the Penalty APR 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.  There is no limitation on the amount of any increase.  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.  As of 12-31-2012 the Prime Rate was 3.25%.

How the Penalty APR may apply to Your Account.
The APRs on your Account may be increased each time you fail to pay at least the Minimum Payment Due when it is due.  We
will determine the amount of the Penalty APR increase based on our review of your credit history at that time (including your
credit performance with other creditors). Our notice will specify the balances to which the Penalty APR will be applied.   The
Penalty APR may continue to apply to these balances indefinitely. However, the Penalty APR will cease to apply to certain
existing balances if, after the Penalty APR goes into effect, you make the next six consecutive minimum payments in a row
when due. 

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 do 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.

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, the first time you pay late, the fee will not exceed $25.  If you again pay
late within six billing cycles, the fee will not exceed $35.  

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, the first time you make a payment that is returned, the fee will not exceed $25.
If you again make a payment that is returned within six billing cycles, the fee will not exceed $35. 

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 Convenience Check.  In addition, the first
time a Convenience Check is returned, the fee will not exceed $25.  If you again have a Convenience Check is returned within
six billing cycles, the fee will not exceed $35. 

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 – 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  – 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, the
currency conversion rate they use is either the wholesale market rate or the government-mandated rate in effect under those
procedures increased by one percent. 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. 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. If you request additional Cards for Authorized Users, checks accessing this
Account may also be included with the Card.

Administrative Charges.
If you request photocopies of monthly billing statements, you will be charged $5 for each duplicate requested for each
statement requested that is less than 25 months old. If the requested statement is 25 months or more you will be charged $10
for each requested statement.  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. 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.  You must destroy all Cards, Checks or other credit devices on the
Account when we request. 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.  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.

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, which may only be done on our website, 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 a
computer equipped with at least a 40-bit JavaScript-enabled Netscape or Microsoft browser at the Version level 4.0 or higher.
In order to retain your statements and notices, you must have a printer attached to your computer that can print them out or a
drive or other storage device onto which you can download them. 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.

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 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.

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 – 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)   to the telephone number(s) that you provided on the Account application,
        (b)   to any other telephone number(s) that you later provide to us, and/or
        (c)   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)   these calls and/or messages are not “unsolicited” calls for purposes of applicable law; and
(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.  

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, which may only be done on our website, 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 a
computer equipped with at least a 40-bit JavaScript-enabled Netscape or Microsoft browser at the Version level 4.0 or higher.
In order to retain your statements and notices, you must have a printer attached to your computer that can print them out or a
drive or other storage device onto which you can download them. 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 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.

Payments Made on Your Account
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, or to opt out of one-time electronic fund transfers, 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 Accounts.

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.

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.

Sale of Account and Assignment to Farm Bureau Bank.

This Account was originated by Barclays Bank Delaware but may be subsequently sold, assigned, or transferred to Farm
Bureau Bank, FSB or to any other person or entity. Farm Bureau Bank, FSB may at any time, and without any notice to you,
sell, assign, or transfer your Account, any sums due on your Account, this Agreement or our rights or obligations under your
Account or this Agreement. The person(s) to whom we make any such assignment shall be entitled to all of our rights under the
Agreement, to the extent sold, assigned, or transferred.

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. If you telephone or email us instead of 
writing, you may lose certain rights the law gives you to dispute billing errors.

ARBITRATION.
At the election of either you or us, any claim, dispute or controversy (“Claim”) by either you or us against the other, arising from
or relating in any way to this Agreement or your Account, or their establishment, or any transaction or activity on your Account,
including (without limitation) Claims 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) Claims
regarding the applicability of this arbitration provision or the validity of the entire Agreement, shall be resolved exclusively by
arbitration. For purposes of this 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 to the extent included in a proceeding in which Barclays is a
party, its service providers and marketing partners. Any Claims sought to be made or remedies sought to be obtained as part
of any class action, private attorney general or other representative action (hereafter all included in the term “class action”)
shall be subject to arbitration, and arbitrated on an individual basis between you and us, not on a class or representative or
other collective basis.  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.  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 and 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, 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.

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 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. If we commence arbitration, we
will provide you notice at your last known billing address. We agree to honor a request by you to remove the action to a Small
Claims Court, provided that we receive the request within thirty days of the notice of commencement of arbitration. Any
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.

A party can file with the Administrator a written appeal of a single arbitrator’s award within 30 days of award issuance,
requesting a new arbitration in front of three neutral arbitrators designated by the Administrator. The panel will reconsider all
factual and legal issues, following the same rules of procedure, and will make decisions based on majority vote. 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.   In addition, in any arbitration that you elect
to file that could be heard in Small Claims Court in your jurisdiction, we will pay the filing fees and other arbitration fees above
the cost of filing in that Small Claims Court.  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 termination
of the Cardmember Agreement and the Account relationship, including your payment in full, and your filing of 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.

ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO
LITIGATE THAT CLAIM THROUGH A 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.

 
Addendum to the Cardmember Agreement

This Addendum to the Cardmember Agreement reflects variations to our standard form credit card agreement in
effect on the last business day of the previous calendar quarter that ended on 12-31-2012 Our standard
Cardmember Agreement(s) is supplemented with pricing information reflected 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 below “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.

The following provision is to be added at the end of the last sentence of the “ Credit Line/Authorized Usage ” paragraph in
our standard Cardmember Agreement and is applicable to a credit card accounts that do not have a preset spending limit:

“Because your Account has no pre-set spending limit, we may permit you from time to time at our discretion to make certain
charges that cause your outstanding balance to exceed your revolving credit line.  These charges will be evaluated based on
account performance, other credit accounts with us, and your experience with other creditors.  If we authorize these charges,
you must pay, with your Minimum Payment Due, the amount by which your balance exceeds your revolving credit line, including
amounts due to Purchases, Cash Advances, Interest charges, Fees, or other charges.”

The provisions describing how we calculate your balance subject to interest rate each month, accrual of interest and how
to avoid paying interest in purchases may vary based on the account type that the applicant applied for and whether the
applicant is a resident of Iowa.  The following twooptions contain the various provisions that could apply, and one of these
options will be reflected in the Cardmember Agreement assigned at account opening:   

OPTION 1:

How We Will Calculate Interest.

We use a method called “daily balance (including new purchases).” We calculate interest separately for each “Balance
Subject to Interest Rate.” These include for example, Purchases at the current rate, Balance Transfers at the current rate, Cash
Advances at the current rate, and different promotional balances. Your monthly billing statement shows each “Balance Subject
to Interest Rate.”

To calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance, for
that Balance Subject to Interest Rate, as of the end of the previous day. We add any interest calculated on the previous day’s
balance. (This means interest is compounded daily). We add any new Purchases, Balance Transfers, or Cash Advances to
the appropriate balance, subtract any new payments or credits from the appropriate balance, and make other adjustments. A
credit balance is treated as a balance of zero. We then multiply each daily balance by the applicable DPR. We do this for
each day in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to get
the total interest for the billing period.

Accrual of Interest and How to Avoid Paying Interest on Purchases.

On Purchases, interest begins to accrue as of the transaction date. However, you may avoid paying interest on Purchases in
any given billing cycle if you pay your Statement Balance in full by the Payment Due Date. For Balance Transfers, interest will
accrue from the transaction date which generally will be the day we send the Balance Transfer to the payee. For Checks,
interest will accrue from the transaction date which generally will be the day the payee accepts the Check. For Cash
Advances, interest will accrue from the transaction date which generally will be the day you take the Cash Advance. If you are
charged interest in a billing cycle, we will charge a Minimum Interest Charge (or “Minimum Charge”) on your Account if the total
interest charge in that billing cycle is less than the amount of the Minimum Interest Charge.

OPTION 2:

How We Will Calculate Your Balance Subject to Interest Rate (For Residents of Iowa at the Time of Account
Opening).

We use a method called “average daily balance (including new purchases).” To determine the amount of the interest to be
charged on your Account we first calculate the “Balance Subject to Interest Rate” separately for Purchases, for Balance
Transfers, and for Cash Advances. We apply the applicable Monthly Periodic Rate to the average daily balances of i)
Purchases, ii) Balance Transfers, and iii) Cash Advances. The average daily balances for Purchases, for Balance Transfers,
and for Cash Advances are calculated separately and determined as follows: We take the beginning balances for each
balance category on your Account each day, add to the respective balances any new transaction, subtract any payments or
credits and make any other applicable adjustment(s). A credit balance is treated as a balance of zero. Then we take the sum
of all daily balances and divide by the number of days in the billing period to determine the average daily balance. If you
multiply the “Balance Subject to Interest Rate” for each balance category as disclosed on your monthly billing statement by the
applicable MPRs, the results will be the interest assessed, except for minor variations caused by rounding. We may from time
to time offer you “introductory,” “special” or “promotional” APR offers. If any are in effect on your Account, we will separately
identify the balances to which such offers apply on your monthly billing statement. These separate balances and the related

 
interest will be calculated in the same manner as described above.

Accrual of Interest and How to Avoid Paying Interest on Purchases.

On Purchases, interest begins to accrue as of the transaction date. However, you may avoid paying interest on Purchases in
any given billing cycle if you pay your Statement Balance in full by the Payment Due Date each month. For Balance Transfers,
interest will accrue from the transaction date which generally will be the day we send the Balance Transfer to the payee. For
Checks, interest will accrue from the transaction date which generally will be the day the payee accepts the Check. For Cash
Advances, interest will accrue from the transaction date which generally will be the day you take the Cash Advance. If you are
charged interest in a billing cycle, we will charge a Minimum Interest Charge (or “Minimum Charge”) on your Account if the total
interest charge in that billing cycle is less than the amount of the Minimum Interest Charge that is disclosed in the Account
Summary Table.