8/9/2019

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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 06/30/2019.  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 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 on purchases may vary based on the account type that the applicant applied for and
whether the applicant is a resident of Iowa.  The following two options 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

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8/9/2019

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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.

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