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RecycleBank is not a financial institution and is not engaged in the banking business.

¹ RecycleBank is not a financial institution and is not engaged in the banking business.

² You need not participate in curbside service with RecycleBank to apply for The Gconomy Visa Card.

³ Rewards under this program are administered by RecycleBank. Rewards are earned on purchases made with The Gconomy Visa Card. First-Use Bonus: After using the Card to make an initial purchase or balance transfer, you will be eligible to receive a one-time bonus award of two thousand five hundred (2,500) RecycleBank Points. The following transactions do not earn Points unless specified: convenience checks, balance transfers, cash advances, credit card fees, and finance charges. Points are also not earned on returns made on your account. Your account must remain open and in good standing to receive Points offered under this program. Good standing means you are not in default under the Cardmember Agreement. All rewards are subject to availability and redemption pricing may change. Restrictions may apply; see Terms and Conditions for more detail. The earning rates: Cardmember(s) earn one (1) RecycleBank Point for every one dollar spent in new net retail purchase transactions (purchases less credits, returns, and adjustments) made with the Card anywhere it is accepted. Cardmember(s) earn one-point-five (1.5) RecycleBank Points for every one dollar spent in new net retail purchase transactions (purchases less credits, returns, and adjustments) made with the Card on participating RecycleBank Reward Partners. Not all RecycleBank Partners participate in the earn rate of one-point-five (1.5) RecycleBank Points for every one dollar spent. Merchants featured in The Boutique do not participate in the earn rate of one-point-five (1.5) RecycleBank Points for every one dollar spent. For a list of participating RecycleBank Partners, please enter your zip code in the search field above. For the non-participating RecycleBank Partners, Cardmember(s) continue to earn one (1) RecycleBank Point for every one dollar spent. Points will be credited to your RecycleBank account at the close of your monthly billing statement.

⁴ The Green Schools Program offers numerous grants to schools in RecycleBank communities that work with children (ages 6-18) in the fields of environmental awareness, education, and action. RecycleBank will contribute a portion of its proceeds directly to the Green Schools Program with a minimum donation commitment of $1 million dollars ($1,000,000) over the first five (5) years of the launch of The Gconomy Card.

⁵ The 0% introductory Annual Percentage Rate (APR) on Balance Transfers and Convenience Checks is applicable for the first 6 billing cycles after the account is opened. Barclays Bank Delaware requires that timely payments are made on your account. Please see the enclosed Terms and Conditions for additional information including the allocation of payments, the APR for Purchases, the APR for all new and outstanding Balance Transfers and Convenience Checks after the introductory period, the APR for Cash Advances, and the Penalty APR that could apply on your account, if your payment is received late, you exceed your credit line, or your payment is not honored by your bank. There is a fee for Balance Transfers and Convenience Checks (See enclosed Terms and Conditions for more information). Fixed APR means that rates are not tied to an index that varies.