Establishment. Bank shall establish the policies, credit scoring systems, and standards applicable to the Program for determining who will be granted credit and in what amount and how the Credit Limit may be modified or terminated (the “Risk Management Policy”). Bank shall review all Program Card Applications received by or on behalf of Bank and Bank shall approve for credit those Applicants who meet the standards of

acceptability and eligibility under the Risk Management Policy. Bank shall make credit decisions, including approval or denial of a Program Card Application or establishment or modification of a Credit Limit, based solely on the creditworthiness of the individual Applicant or Cardholder and consistent with the Risk Management Policy.