Your Futuretrust program account:
As a result of your participation in this program you will accumulate Futuretrust credit card and merchant provided rebates. Upon accumulation of $50 in program rebates, Futuretrust will automatically deposit earned rebates into your specified 529 college savings account. Deposits are made on a quarterly basis based on your rebate accumulation. Program partners may impose conditions or restrictions different for or in addition to those described on the Futuretrust website. Please note details provided by each merchant to determine a "qualifying purchase". For the purposes of this program, a purchase is a "qualifying purchase" once all the conditions of the partners agreement or offer with the respect to the purchase, have been satisfied.

The rebates you accrue as a result of qualifying purchases will be posted to your Futuretrust program account. Generally rebates will be posted to your account within thirty (30) days of notice from the partner. Futuretrust will not be liable for damages resulting from any failure to post contributions to your Futuretrust account in a timely manner.

Except as provided for below, you must select and enroll in a 529 Savings Plan offered by Futuretrust, or provide account information for an existing 529 Plan to Futuretrust in order to receive the Savings Plan contributions earned by using the Futuretrust MasterCard.

You will begin earning contributions with the first use of your card, however, except as provided for below, earnings will not be distributed until you have designated a 529 Plan with Futuretrust and met the distribution requirements set forth below.

Your account must remain open and in good standing to receive the savings plan contributions offered under this program. Good standing means you are not in Default under your Barclays cardmember agreement.

If you have not designated a 529 savings plan and you have accrued at least $20 in contributions, you may elect to receive a direct disbursement of your earnings by calling Barclays Bank at 866-793-0789. The direct disbursement option is a one-time right and can only be exercised after your account has been open and in good standing for at least six months. If your account is closed in good standing prior to designation of a 529 account and your accrued contribution is $20.00 or more, you must request the direct disbursement within six months of the date of account closure.

Net Contributions will be calculated at the end of each billing cycle and will be determined by applying the contribution earn rate (1% or .01) times the sum of: all new purchases added to the account during the billing cycle less any credits posted to the account during the period for returned purchases and/or adjustments. The resulting amount will be rounded up or down to the nearest dollar for the purpose of determining Net Contributions. If credits for returned purchases exceed new purchases, we will report negative net contributions and the balance of your contributions pending will be reduced accordingly.

For the purposes of calculating Net Contributions, "Purchases" exclude fees, balance transfers, convenience checks and cash advances.

Futuretrust may, at its own discretion, offer opportunities for cardholders to earn incremental contributions by making purchases from specific merchants who participate in the Futuretrust program. Such incremental contributions will be calculated by Futuretrust and reported as "Bonus Retail Contributions" on the cardmember's monthly account summary. All incremental contributions are subject to the terms and conditions of the Futuretrust program.

Contributions earned under this program will be distributed to your 529 account when:

• you have designated a 529 Savings Plan with Futuretrust to receive your contributions; and
• you have accrued the lesser of: (a) $50 or (b) such other lesser amount as required by your 529 account provider, in contributions pending or Account closing provided your Account is in good standing at the time of closure.

Upon satisfaction of these conditions, earnings will be deposited in to the designated 529 account. There may be a delay of up to 60 days for contributions to appear in your 529 account from the end date of statement cycle in which they were earned during this period the contribution remains subject to deduction for credits obtained on the Account.

Any discrepancies in incremental contributions must be brought to Futuretrust's attention promptly, but in no event later than 60 days from the date of the transaction for which an adjustment is sought. Otherwise, contributions earned will be deemed accurate and you will have waived all claims for adjustment.

Barclays Bank and Mothers Work reserve the right to suspend, 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.

There is no annual maximum for the contributions that you can earn by using your Futuretrust MasterCard. However, certain 529 Savings plans limit the amount that you can contribute to a 529 plan on an annual basis. Please consult Futuretrust or your tax advisor for details.

A current list of merchants participating in the Futuretrust program can be found at www.Futuretrust.com. Futuretrust reserves the right to change the status of participating merchants without notice at any time.