*A promotional daily periodic rate of 0.0055% (corresponding ANNUAL PERCENTAGE RATE of 1.99%) applies for 6 billing cycles from the date the Online Convenience Checks ("checks") are posted to your Account. The checks must be posted on or before 2/15/2007. 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 Online Convenience 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.