Privacy Policy Overview—Revised as of November 2009

At Barclays Bank Delaware ("Barclays") we respect your right to personal privacy, online and off. Our Privacy Policy is designed to provide you with protection and value. And it's written in "plain English." Here are the highlights:

• We do not sell information about you or your Accounts.
• When we share information, it is only according to the guidelines described in our Privacy Policy.
• We do not share information with third party marketers unless you expressly authorize us to share the information.
• You control how we contact you. As described in our Privacy Policy, credit card customers may exercise your options online, by mail or by phone. For prepaid card products, you may exercise your options by phone.
• We have developed industry standard security to protect against the misuse of your information.

This Privacy Policy applies to personally identifiable information about a consumer or a consumer's current or former customer relationship with us. Our Privacy Policy will evolve to meet the changing world in which we operate and we will promptly advise you of any changes to it as required by applicable law.

I invite you to read our Privacy Policy below. If you have any questions or if anything is unclear, credit card customers can email us at privacy@BarclaycardUS.com or contact a Customer Care Representative at 1-877-523-0478. For customers with prepaid products, please email us at privacy@BarclaycardUS.com or contact us at our Customer Service Center at 1-866-532-9634.

Larry Drexler
Good Counsel
Barclays

Privacy Policy

We believe that Privacy is a cornerstone of our customer relationship. In designing our business, we strive to find methods to guard your privacy while affording you opportunities to save time and money.

• We do not sell information about our customers, their Accounts, or transactions to others for their use. We do share information as described in this Privacy Policy.
• We do not share information about you, except in the limited circumstances described below.
• When we do share information it is limited to the information necessary for the particular circumstance.
• We restrict access to the information we obtain about you, only to appropriate employees and service providers for business purposes only.
• We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard against misuse of the information we obtain.

Collection of Information

We collect customer information from a variety of sources including:

1. Application Information (the information you provide us on your applications and other forms such as names, addresses, telephone numbers, email addresses, birthday, social security numbers, level of family income, employer's name, and employer's address);
2. Transaction Information (information about your transactions with us and with our affiliates and partners, and your use of our products);
3. Credit Reporting Agency Information (such as your creditworthiness and credit history);
4. Correspondence (the information you provide when communicating in writing, online, or by phone with our Customer Service Center, as well as our response and follow-up correspondence with third parties concerning, for example, resolution of disputed transactions);
5. Marketing partners and publicly available databases (information we receive from our marketing partners, e.g., colleges, universities, charities, financial institutions, and other businesses and public databases.)

We use this information for a number of purposes including to evaluate your application, establish and maintain your Account(s), carry out your transactions, provide you with high-quality service, manage our business, prevent fraud, identify you when you contact us and, unless you instruct us otherwise, inform you of offers for our other products and services as well as products and services offered by third parties.

Cookies

"Cookies" are small computer files that are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site and, in some cases, your earlier use of other sites. Our cookie does not collect information from your hard drive; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud. "Action tags" (also known as Web Beacons, Trackers, or Bugs) are invisible pixel .gif files placed on web pages that are used to track web navigation to those pages.

We use a cookie for each computer that visits our site. The cookie is integral to the customer experience and is necessary to use our online services. It allows us to customize the website presentation based on your Accounts. While cookies, including ours, can be disabled, if you disable our cookie you will not be able to use our website.

Cookies may also be used by our partners who have links on our website. These cookies allow those partners to recognize you and monitor your use of the site. The partners will not get personal information about you unless, and until, you provide your information to them when visiting the partner's site. For more information about partners' use of cookies see their privacy policies, links to which are available below.

Companies that place our banner ads on other websites ("ad servers") also use action tags to understand how a person navigates on our site after responding to one of our banner ads. Any information collected is never linked to an individual and is only used in aggregate with other information generated by visitors to our site. You have the right to elect not to participate in this anonymous tracking of information, which is used to select which ads to display when you visit certain websites. In order to determine your comfort level with these companies' information practices you should review their privacy policies. Click on the advertiser name below to go to its website to learn more about that agency's privacy policy, its use of cookies and action tags, and the options available to you in relation to those cookies.

Hertz
Insurance.com
Teleflora
Time

Trilegiant Corporation Offers:
CompleteHome
Great Fun
Shoppers Advantage

At present, we do not allow third-party serving of advertising on our website. If we do allow such activities in the future, we will post a link from our online Privacy Policy to the privacy policy of the company or partner that is associated with each advertisement. We recommend that you review each company or partner's privacy policy including their use of cookies to understand their information handling practices and your options.

Sharing Information

We may disclose information about you to the following types of third parties: affiliates (including Barclays Bank Delaware and Barclays Services, LLC.); service companies (companies that provide us services including processing transactions, providing statements, maintaining our website and providing customer service, including customer contact); non-financial companies (merchants who offer non-financial goods and services to our customers); partners (including universities, colleges, charities, travel companies, retailers and financial institutions, and other businesses through which we market products); financial service providers (companies with which we partner to market financial products); and credit bureaus, collection agencies, law enforcement regulators and professionals such as lawyers and accountants. We may also disclose information about you to other nonaffiliated third parties as permitted by law.

Outlined below is the information shared with each type of third party and as appropriate, your options.

i. Barclays Financial Corp. and Affiliates

We may share information with our affiliates for a number of purposes including to service your Account; regulatory and legal compliance; fraud and loss protection; to manage our respective businesses; and/or furnishing information so they can offer you their goods and services. You may request that information relating to your creditworthiness, such as application information and consumer report information, not be shared among the Barclays PLC family of companies. For more information on your options regarding information sharing with our affiliates, see "Your Privacy Options" below.

You may also limit affiliates in the Barclays PLC family of companies from marketing their products or services to you based on certain information that we collect and share with them. This information includes your income, assets and account history. Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. If you have already made a choice to limit marketing offers from other Barclays companies, you do not need to act again. For more information on your options regarding marketing offers from our affiliates, see "Your Privacy Options" below.

If you have a joint account, your direction for us not to share information with our affiliates and for those affiliates not to use your personal information for marketing will be applied to all account holders on that account. Please understand that if you submit a request, you and any joint account holder(s) may not receive information about Barclays products and services that could help you manage your financial resources and achieve your investment objectives.

If you hold more than one Account with Barclays, you may receive multiple privacy policies from us, and would need to follow the directions stated in each particular policy for each Account you have with us.

ii. Sharing Information with Service Companies

In order to provide quality service and statements, both online and offline, we contract with service providers for essential roles in processing transactions and producing statements and providing customer service including contacting customers. We may disclose some or all of the information we collect to these processors and service providers but only the information needed to provide the service. Each of our service providers has entered into a contract with us that forbids them from using and disclosing information provided by us for any purpose other than providing the service for our customers. We take security precautions to monitor the use of the information and prevent the use of the information for any other purpose.

iii. Sharing Information with Merchants

We do not share any personally identifiable information with nonaffiliated merchants for the purpose of extending offers of goods and services to you without your consent, from time to time we may convey offers to you on their behalf. The manner and use of information varies according to the method used to deliver the offer.

1. Mail and email offers. We may provide offers of goods and services to you by mail and email without sharing your personally identifiable information with the merchants who provide these goods and services. We do this by having a service provider mail or email the offer to you under the same security precautions we use to send a monthly statement. The only information we provide the mail or email service provider is your name and address. Our contract with the service provider prohibits use and disclosure of your name and address for any other purposes, and we take security precautions to monitor compliance. The merchant gets no information about you unless, and until, you respond to the offer. For more information about how to control your receipt of these offers see "Your Privacy Options" below.
2. Phone offers. We may provide offers of goods and services by telephone. In doing so, we do not disclose any of your personal information to merchants on whose behalf we extend the offers of goods and services. To the extent we engage a service provider to assist us in extending the offer, the only information we will provide the service provider is your name, address, phone number, and an internal reference number. We provide your name, address, and phone number to allow our service provider to contact you. The internal reference number cannot be used by a merchant to process a charge to your Account. The internal reference number is used by the service provider to advise us that you have agreed to a transaction. When you accept an offer, we use the internal reference number to match the transaction to your Account to allow the transaction to be processed without you giving your Account number over the phone. This process provides two advantages: first, it minimizes the possibility of misuse of your Account by limiting those with access to your Account number; and second, you know that the offer is being extended by us and will include a generous return and refund policy to allow you to shop in confidence. We also take security precautions to monitor and prevent misuse of the information provided to the service provider. For more information about how to control your receipt of these offers see "Your Privacy Options" below.

iv. Sharing Information with Partners

We offer our products in conjunction with colleges, universities, colleges, charities, travel companies, retailers, financial institutions and other businesses. When you joined through one of these endorsed relationships, you agreed to the sharing of information with that partner. These relationships are clearly stated in the Account application and by applying for these products you agreed to the information sharing by us and the partner, which may include: your name, address, phone number, and email address. To the extent a program includes a rewards program or other benefit based on Account usage, we will provide the partner with information necessary to manage the program, including, as an example, the number of transactions and dollar amount of purchases, payments, and credits. By applying for these products, you consented to sharing information necessary to support the particular program.

v. Joint Marketing

From time to time, we may enter into marketing agreements with other financial institutions to jointly offer a product. This information sharing will be subject to the same contractual restrictions and security precautions used for sharing information with service providers and vendors. For more information on your options regarding joint marketing, see "Your Privacy Options" below.

vi. Credit Reports and Other Uses of Information

In applying for an Account, you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and after the opening of your Account, the administration of your Account. You also authorize us to share transaction and experience information concerning you or your use of the Account with (and answer questions and requests from) others, such as merchants, other lenders, and credit reporting agencies.

We also share information with collection agencies, lawyers, accountants, auditors, bank regulators, and law enforcement as may be necessary in the administration of your Account or to respond to a legal inquiry or subpoena. We may also disclose information about you to nonaffiliated third parties as otherwise permitted by law.

Information about Children

We do not knowingly offer products and services to children under the age of 13. Similarly, we do not collect information about children, except to identify beneficiaries. Our application approval process is designed to identify applications submitted by children and to prevent their opening an Account and providing us with any personal information. We may offer Uniform Gifts to Minor Accounts which typically include the name of the minor but may only be opened by an adult.

Access to Account Information and Correction of Errors

You have the right to access your Account details and transaction information. If you are enrolled, up to twenty-four months of statements will be available on the customer service website. If you have a question on your Account, or if your account information is incomplete, inaccurate, or not current, please contact us as soon as possible. Please see our contact information under Your Privacy Options.

Your Privacy Options---Offers of Goods and Services

We provide a number of information-sharing options.

You may opt-out of: (1) information sharing with our affiliates and/or (2) marketing by our affiliates based on shared information, by visiting us online at the web address listed on the back of your card or by calling our Customer Service Center at 1-877-523-0478. For customers with prepaid card products, you may opt-out of information sharing with our affiliates by calling the Customer Service Center at 1-866-532-9634. Any such affiliate sharing opt-out does not apply to information that relates solely to our transactions or experiences with you or your account, but the affiliate marketing opt out may apply to the use of such information.

If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your preferences will remain in effect with respect to this Privacy Policy (as it may be amended) until you notify us otherwise in writing. If you have multiple Accounts, you will need to express your preference for each account separately. If you have a joint account, a request of any customer on the joint account to not share information or not use information for marketing will be applied to all account holders on that account.

If you access your Account online, select the ALERTS/PROFILE page where you can choose not to accept offers for (a) special opportunities from our selected partners and/or (b) special features and benefits related to your credit card account. You can also elect the method by which you will receive the offers: mail, email or telephone. You may also exercise or change your choices by calling our Customer Service Center at 1-877-523-0478. For customers with prepaid card products, you may choose not to accept these offers by calling the Customer Service Center at 1-866-532-9634. If you do not contact us to make an election or enter your preferences online, we will send you offers for products and services from us, our affiliates, and financial marketing partners, as well as offers of third-party goods and services by mail, email and telephone. (We will, of course, contact you regarding your Account and related items regardless of your election.) If you would like to review or change your election you may do so, at any time, by visiting the ALERTS/PROFILE page at the web address listed on the back of your card, by calling us at 1-877-523-0478 or by writing to Barclays Bank Delaware, P.O. Box 8801, Wilmington, DE 19899-8801. For customers with prepaid card products, you may review or change or election by calling the Customer Service Center at 1-866-532-9634.

Links to Other Websites

We may provide links to third party websites. If you choose to link to a website not controlled by us, this Privacy Policy is no longer in effect. We are not responsible for the privacy practices employed by third party websites linked to or from our site, nor for the information or content contained therein. We encourage you to review the privacy policy of any website before sharing your information.

State Laws

The following sections supplement our Privacy Policy with respect to our individual clients who have Vermont and California addresses and supersedes anything to the contrary in the above Privacy Policy with respect to those clients only.

Special Notice to Residents of Vermont

In accordance with Vermont law, Barclays will not share information we collect about Vermont residents with companies outside of Barclays except as permitted by law, such as with the consent of the customer, to service the customer's accounts or to other financial institutions with which we have joint marketing agreements. We will not share creditworthiness information about Vermont residents among Barclay's affiliates except with the authorization or consent of the Vermont resident.

Special Notice to Residents of California

In accordance with California law, we will not share information we collect about California residents with nonaffiliated third parties except as permitted by law, such as with the consent of the customer, to service the customer's accounts, or to fulfill on rewards or benefits. We will also limit the sharing of information about you with our affiliates to extent required by applicable California law.

Contact Information

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