Terms & Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	13.74% or 17.74% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0% introductory APR for the first six billing cycles after account opening. After that, your APR will be 13.74% or 17.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	21.99% 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 may be applied to your account if you: Make a late payment; Go over your credit limit; Make a payment that is returned; or Do any of the above on another account you have with us. This APR will vary with the market based on the Prime Rate. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will no longer apply to existing balances if you make the next 6 consecutive payments when due. The Penalty APR will apply to other balances indefinitely.
How to Avoid Paying Interest on Purchases	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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $2.00
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee	$0
Transaction Fees:
Balance Transfer	Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $50, after that no maximum).
Cash Advance	Either $10 or 3% of the amount of each cash advance, whichever is greater.
The purchase of a money order, travelers' check, foreign currency, lottery ticket, gambling chips, or wire transfer is a cash advance	Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign Transaction	3% of each transaction in U.S. dollars.
Penalty Fees:
Late Payment	Up to $35
Over-the-Credit-Line	$0
Returned Payment	Up to $35

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:

Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays and Gulf may share information about me and my account to the extent need to administer the Gulf credit card in conjunction with the Gulf rebate program.

Important Information About the Gulf Gasoline Rebate Program
Your Gulf Platinum MasterCard is issued by Barclays Bank Delaware ('Barclays'), located in Wilmington, DE. The Gulf Rebate Program ('Program') is owned and administered by Gulf Oil. By accepting the Gulf Platinum MasterCard, you agree that Barclays may share information regarding your account, including the account number and transaction information, with Gulf for the purposes of providing customer service to you for the Program. Rebates under the Program are earned on purchases made with your Gulf Platinum MasterCard. The following transactions are excluded from 'Purchases' and do not earn rebates (unless Gulf Oil determines otherwise): convenience checks, balance transfers, cash advances and credit card fees. Rebates are also not earned on returns made to your account. In addition you will not earn rebates for any gasoline and merchandise purchased with your Gulf Platinum MasterCard from merchants that sell gasoline other than Gulf branded gasoline. Your account must remain open and in good standing to receive rebates offered under the Program. Good standing means that you are not in Default under the Cardmember Agreement.

Gulf rebates will be earned at a rate of 3% for all purchases made at participating Gulf locations and 1% on all other purchases made anywhere else (excluding purchases made at any merchant that sells gasoline other than Gulf branded gasoline) provided the account is open and current at the time of purchase. There is no maximum rebate allowance for purchases at Gulf branded locations. Rebate accumulations will be reported monthly on your billing statement. Each time you accumulate at least $20 in rebates, a statement credit will be automatically applied to your account. Allow 60 days for the statement credit to appear on your monthly statement. Statement credits are not transferable and points accumulated will expire after 24 months if not redeemed. The statement credit or any other rebate method offered by the Program is not an obligation of Barclays. Any disputes concerning statement credits will not affect your payment obligation to Barclays on your account. You will not earn statement credits 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 statement credits 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.

Barclays and Gulf Oil 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. Points 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 Gulf Rebate Program. Rebates on Gulf gasoline are only available for personal purchases and cannot be earned or redeemed by any business, commercial, or government account. Subject to the foregoing the Gulf gift card issued under this Program will expire in twelve months from the date of issue.