Transactions Made in Foreign Currencies
Effective January 11, 2009, the bolded clause in the Transactions Made in Foreign Currencies section of your Agreement is replaced with the
following:
"in each instance increased by 2.7%."

Late Fees
We are changing the day upon which late fees may first be assessed as a result of late payment. If you have not paid the Amount Due on this
statement before the 20th day after the Closing Date of your next statement, you will be assessed a $35 late fee (Iowa $15). For billing
periods that begin on or after December 2, 2008, we are replacing the Late Fees section of your Agreement with the following:
"If any portion of the Amount Due on a billing statement is not credited to your Account before the 20th day after the next Closing Date, we
may assess a fee of $35 (Iowa $15). In addition, if any portion of that Amount Due is not credited by the following Closing Date, we may
assess an additional fee in that same billing period of the greater of $35 or 2.99% of any amount past due (Iowa $15). If any amount past
due is not credited to your Account by successive Closing Dates, we may assess a fee equal to the greater of $35 or 2.99% of any amount
past due (Iowa $15)."

APR for Flexible Payment Features
For billing periods that begin on or after December 2, 2008, we are replacing the third sentence of subsection B of the Finance Charges section
of your Agreement with the following:
"Except as provided below, the APR is the Prime Rate plus 11.99%."
This is a variable rate. As of October 13, 2008, the Prime Rate plus 11.99% is an APR of 16.49% and a DPR of 0.0452%.