How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

Terms and Conditions Continued:

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.  

About Your Application and This Offer: Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you.   You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit.  This offer is available only to applicants who are permanent residents of the United States, with the exception of Iowa and Puerto Rico.This offer may not be available to you if you already have or have had a Credit Card account with us.

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 06/24/2010 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15 or 16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. Upon approval of your application we will provide you with your Cardmember Agreement and to the extent permitted by your credit line we will process the requested balance transfer payment to the credit card account(s) which you have requested. If the total amount you request exceeds the assigned credit line on this account, we may either decline the request or send a partial payment to your creditor(s) in the order you provided them to us. The amount of available credit on this account will be reduced by the amount of the balance transfer and the related balance transfer fees. We reserve the right to decline to process any requested balance transfer. We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date and they do not have the same charge back rights as transactions conducted with a credit card.

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved.

The information contained in these disclosures is accurate as of 06/24/2010 and may change after this date.

Information Sharing:
The Barclays Bank Delaware("Barclays") Privacy Policy is available online at www.Barclaycardus.com. I agree that Barclays and Getty will share information to the extent needed to administer the LUKOIL Platinum MasterCard program.

LUKOIL Platinum MasterCard Rebate Program
Your LUKOIL Platinum MasterCard is issued by Barclays Bank Delaware("Barclays"), located in Wilmington, DE. The LUKOIL/Getty Rebate Program ("Program") is owned and administered by Getty Petroleum Marketing Inc. (hereinafer "Company"), a subsidiary of LUKOIL Oil Company. By accepting the LUKOIL Platinum MasterCard, you agree that Barclays may share information regarding your account, including the account number and transaction information, with Company for the purposes of providing customer service to you for the Program.

Rebates under the Program are earned on purchases made with your LUKOIL Platinum MasterCard. The following transactions are excluded from "Purchases" and do not earn rebates (unless Company determines otherwise): balance transfers, convenience checks, cash advances, credit card fees and finance charges. Rebates are also not earned on returns made on your account. In addition you will not earn rebates for any gasoline and merchandise purchased with your LUKOIL Platinum MasterCard from merchants that sell gasoline other than LUKOIL or Getty branded gasoline.

Your account must remain open and in good standing to receive rebates offered under the Program. Good standing means you are not in Default under the Cardmember Agreement.

You will earn rebates equal to 4% for all purchases made on a cardmembers LUKOIL Platinum MasterCard at participating LUKOIL and Getty branded locations and rebates equal to 1% on all purchases made anywhere else (excluding purchases made at any merchant that sells gasoline other than LUKOIL or Getty branded gasoline) provided the account is open and in good standing at the time of purchase. In addition, for the first two billing cycles after your new account is opened, you will earn rebates of 8% on LUKOIL and Getty purchases and 2% on all other purchases (excluding purchases made at any merchant that sells gasoline other than LUKOIL or Getty branded gasoline) provided your account is open and in good standing. Rebates are not earned on gasoline and merchandise purchased from merchants that sell gasoline other than LUKOIL or Getty branded gasoline. There is no maximum rebate allowance for purchases at LUKOIL or Getty branded retail locations during the first two billing cycles that an account is open. After the first two billing cycles the maximum rebate allowance for purchases at LUKOIL or Getty branded retail locations is $50 per month which is equivalent to $1,250.00 in purchases at LUKOIL or Getty branded retail locations. Rebate accumulations will be reported monthly on your billing statement. Each time you accumulate at least $20 in rebates a coupon will be sent on your next month's billing statement. A maximum of three coupons will be sent on one billing statement however, rebates will continue to accumulate. Rebates are not transferable and points accumulated will expire after 12 months if not redeemed. Barclays and Getty Petroleum Marketing Inc., reserve the right to suspend, modify,cancel or terminate the program, in whole or in part, at any time for any reason.

LUKOIL/Getty coupons are honored at any participating LUKOIL or Getty branded retail location in ME, NH, VT, MA, RI, CT, NY, NJ, PA, DE, MD, VA, WV AND D.C. Any disputes concerning rebates will not affect your payment obligation to Barclays on your account. You will not earn rebates if your account is not in good standing. Any tax liability resulting from the Program is the cardmembers responsibility. Barclays is not responsible for any dispute from joint cardmembers or authorized users relating to the rebate Program.

Any discrepancies in rebates earned must be brought to Barclays'attention promptly, but in no event later than 60 days from the date of the transaction or the billing statement for which an adjustment is sought. Should we be notified after the 60 day period, adjustments will be made only at Barclays' discretion.

Barclays and Company reserve the right to suspend, modify, cancel or terminate the Program, in whole or in part, at any time for any reason; including but not limited to 6 months of inactivity on the account. Rebates accumulated are not the property of the cardmember and cannot be bought, sold or transferred (including upon your death or as part of a domestic relations settlement). Any abuse of the Program, failure to follow Program terms, or misrepresentation by a cardmember will make the cardmember ineligible to earn further rebates under the LUKOIL/Getty Rebate Program.

©2010 Barclays Bank Delaware