Melançon Enterprises • a multidivision multinational since 1980

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?sc=FAB9WZ&mc=A000002P8...

DETAILS OF RATE, FEE, AND OTHER COST INFORMATION

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.
†Annual Percentage Rate (APR) for Purchases Standard APR:
9.99%
Other APRs Balance Transfers: 1.99% Introductory APR for the first 12 statement Closing Dates following the opening of your account for all Balance Transfers, Check Cash Advances, and Direct Deposits. After that, the APR for any balances that were subject to the Introductory APR is 9.99%. The Standard APR for Balance Transfers is 9.99%. The Introductory APR will end sooner if your payment is late or the account balance is over the credit limit. See 1 and 4 below for explanation.

Cash Advances: Standard APR is 17.99% for all Direct Deposits, Check Cash Advances, ATM Cash Advances, Bank Cash Advances and Cash Equivalent transactions. See 5 below for explanation.

Default APR: Up to 19.99% for all Purchase, Balance Transfer, and Cash Advance balances if late or overlimit. See 2 below for explanation.
Grace Period for repayment of balance for Purchases At least 20 days from the statement Closing Date (provided you fully paid your New Balance Total from the previous statement by its Payment Due Date). See 3 below for explanation.
Method of computing the balance for Purchases Average Daily Balance
(including new purchases).
Annual Fee None.
Transaction fee for Purchases Transaction fee for the purchase of wire transfers from a non-financial institution: 3% of each such transaction (minimum $10).

Standard Balance Transfer Fee: 3% of each such transaction (minimum $10, maximum $75).
Standard Cash Advance Fee: 3% of each such transaction (minimum $10).
Late Fee: Based on your balance as of the day the fee is assessed - $15 if $0 - $100; $29 if between $100.01 - $250; $39 if $250.01 or over.
Overlimit Fee: Based on your balance as of the day the fee is assessed - $15 if $0 - $500; $29 if between $500.01 - $1000; $39 if $1000.01 or over.

If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.

1 The Introductory APR(s) is effective upon the opening of your account and does not apply to Purchases or Cash Advances, other than Check Cash Advances and Direct Deposits. When the Introductory APR(s) ends, the Standard (non-introductory) APR is applied to new and outstanding balances (consisting of Balance Transfers). If your payment is late or the account balance is over the credit limit, the Standard APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. We reserve the right to change the APRs in our discretion.

2 When your minimum payment is either late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over the credit limit, on any two occasions within 12 consecutive months, we may increase each of your account Standard APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances.

3 The number of days between your statement Closing Date and your Payment Due Date (the grace period) may vary from one billing cycle to another.

4 Check Cash Advances and Direct Deposits that post to your account after this promotional offer ends will be Cash Advances with a 17.99% Standard APR.

5 Cash Equivalent transactions are defined as money orders, foreign currency, and travelers checks from a non-financial institution, person to person money transfers, bets, lottery tickets, casino gaming chips and bail bonds.

American Express (1) converts charges made in foreign currencies to U.S. dollars using a rate selected on the business day prior to the day on which the charges are processed by American Express and (2) applies a 1% commission to the converted amount. See the Credit Card Agreement for details.
American Express Cards are not presently accepted for the purchase of bets, lottery tickets, or casino gaming chips.

AGREEMENT
By electronically transmitting this application, I agree to the conditions described below and to be bound by each of the terms of the Credit Card Agreement, including arbitration:

I have read the accompanying Credit Card application, and everything I have stated is true. I am at least 18 years of age. I authorize FIA Card Services, N.A. (hereinafter "you" or "your") to review my credit and employment histories and any other information in order to approve or decline my application, service my account, and manage your relationship with me. I consent to your sharing of information about me and my account with the organization, if any, endorsing this credit card program. I authorize you to share with others, to the extent permitted by law, such information and your credit experience with me. In addition, I may as a Cardmember later indicate a preference to exempt my account from some of the information-sharing with other companies ("opt-out"). If I accept or use an account, I do so subject to the terms of the application, the "Details of Rate, Fee, and Other Cost Information," and the Credit Card Agreement as it may be amended; I also agree to pay all charges incurred under such terms. Any changes I make to the terms of the application will have no effect. I accept that on a periodic basis my account may be considered for automatic upgrade at your discretion. I consent to and authorize you, any of your affiliates, or your marketing associates to monitor and/or record any of my phone conversations with any of your representatives.

*BALANCE TRANSFERS. If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Access Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. The Standard Balance Transfer fee is 3% of the amount of the transaction (minimum $10, maximum $75). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.

** Limitations and exclusions apply to benefits described here and in the Guide to Coverage. Car Rental Loss & Damage Insurance (which provides coverage in excess of other insurance) and Travel Accident Insurance Coverage underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain conditions, restrictions, and exclusions apply. Refer to your Program Terms and Conditions for further details. Emergency Assistance Service and Emergency Roadside Assistance provided by AXA Assistance USA, Inc. Limitations and exclusions apply to benefits described here and in the Program Terms and Conditions. Refer to your Program Terms and Conditions for complete details and restrictions. Extended Warranty and Retail Protection coverage provided by Virginia Surety Company, Inc., Chicago, IL. Certain conditions, restrictions, and exclusions apply. Refer to your Program Terms and Conditions for further details. In arranging card benefits, an American Express entity may act on behalf of the insurer and receive compensation that may vary by insurance provider and product. An American Express entity also may act as reinsurer and receive reinsurance income. Concierge service is provided by LesConcierges, Inc. and is available for personal use of the cardholder, his or her spouse, and dependents under 22. Available by phone or online, 24 hours a day, 7 days a week. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. The Identity Theft Recovery Unit is provided by Intersections, Inc. Refer to Guide to Coverage for complete details and restrictions.

The information contained in these disclosures is updated regularly, but may have changed since the last update. To find out what may have changed, you may contact FIA Card Services, for specific information by calling 1-800-551-0839 or by writing to P.O. Box 15020, Wilmington, DE 19850.
The FIA Card Services Privacy Policy is available at fiacardservices.com and accompanies the credit card.

§WORLDPOINTS. Rewards begin at 2,500 points for cash/merchandise and 25,000 points for air. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Point earnings are based on new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle ("Net Purchases") and are rounded to the nearest whole point. FIA Card Services Rewards™ American Express ® Card earns 1 base point per each dollar in Net Purchases. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice® service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. gateway. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A. Cash reward check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program subject to change. For more information, visit fiacardservices.com/rewards. Details accompany new account materials. All cardholders receive WorldPoints program benefits.

§WORLDPOINTS®. Rewards begin at 2,500 points for cash/merchandise and 25,000 points for air. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Point earnings are based on new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each month (“Net Purchases”) and are rounded to the nearest whole point. Earn 1 base point per each dollar in Net Purchases. Balance Transfers, cash advances, including purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choice™ service, purchases made by or for a business or for a business purpose, fees, finance charges, and unauthorized/fraudulent transactions do not earn points. Points valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. gateway. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A. Cash rewards check expires 90 days after date of issue. Cash rewards not transferable. Other significant terms apply. Program subject to change. For more information visit www.fiacardservices.com/rewards. Details accompany new account materials. All Cardmembers receive WorldPoints program benefits.

This Credit Card program is issued and administered by FIA Card Services, N.A. Any account opened in response to this application shall be governed by the laws of the State of Delaware. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required. MyConcierge is a service mark of Les Concierges, Inc., and is used by the issuer pursuant to a license. Bill Pay Choice, FIA Card Services, WorldPoints, The WorldPoints design, and Ultimate Access are registered trademarks of FIA Card Services, N.A. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to license. Intersections and Identity Theft Recovery Unit are service marks of Intersections, Inc. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with, the WorldPoints program.
©2008 FIA Card Services, N.A.

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