U.S. Bank

Holiday Savings, just in time: 1.99% APR for 6 months!*
It's easy with new Online Convenience Checks

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@profile.FULL_NAME@, did you know you have access to new 
U.S. Bank(R) Online Convenience Checks? You'll 
enjoy a special low 1.99% APR for 6 months 
on any checks you use by January 15, 2007.

Simply enter @DECLARED_INTEREST21@ when you 
request your Online Convenience Checks to receive
your promotional rate. They're accepted just like
paper Convenience Checks, accessing your
credit card account.

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You can use your Online Convenience Checks to:
__http://www.usbank.com/cgi_w/cfm/promo/personal/feature38.cfm

- Pay your holiday bills
- Consolidate any higher-rate balances you may have
- Enjoy extra cash by writing yourself a check!

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Take advantage of this handy new feature for 
all your holiday spending needs. It's easy! 

Here's how to access your
U.S. Bank Online Convenience Checks:

1.	Login to Internet Banking

2.	Go to your credit card summary page, 
then select Request a Convenience Check
to pay bills or transfer balances.

3.	Be sure to use @DECLARED_INTEREST21
to receive your special 1.99% APR for six months.

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*A promotional daily periodic rate of 0.0055% (corresponding
ANNUAL PERCENTAGE RATE of 1.99%) applies for 6 billing cycles
from the date the attached checks are posted to your Account.
The checks must be posted on or before 1/15/2007. The checks
accrue finance charges from the date they post to your Account
as a Purchase according to your Cardmember Agreement. For each
check posting to your account, we will assess a Promotional
Transaction Fee (FINANCE CHARGE) equal to 3% of the check
amount ($5 minimum). The variable APR for Purchases or any
Delinquency Rate then in effect will apply to any outstanding
balances after the promotional period ends. Simply make sure
your Account is in good standing and you have enough credit
available for the check amount and any related transaction
fees. Please note that you will not earn rewards points from
the use of these checks, as stated in your Cardmember
Agreement. We may change APRs, fees, and other Account terms in
the future as provided under the Cardmember Agreement and
applicable law. The promotional rate only applies to balance
transfers and purchases made with these checks. The promotional
rate only applies to balance transfers and purchases made with
these checks. The promotional rate does not apply to cash
advances. The rate will end early and increase to the current
applicable APR if your Account is delinquent, over the limit or
closed. We apply payments to balances with lower APRs,
including promotional APRs, before balances with higher APRs.

Cardmember Service is available 24 hours a day at 1-800-285-8585.

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from us, please add us to your Address Book 
(1800USBanks@usbank-email.com). Thank you. 

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at any time: 
__http://www.usbank.com/email

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__http://www.usbank.com

View the U.S. Bank Privacy Pledge: 
__http://usbank.com/online_privacy.html

U.S. Bank EP-MN-BB1R, 2751 Shepard Road, St. Paul, MN 55116