*Your promotional daily periodic rate of 0.0192% (corresponding 6.99% ANNUAL PERCENTAGE RATE) will be applied to all qualifying healthcare purchases made after the required $250 in healthcare purchases have been made between March 1 and April 30, 2007. This promotional rate:

• Will be applied to qualified purchases through the closing date of the billing cycle that ends in October 2007.
• Does not apply to cash advances and balance transfers.
• Is for the use of this promotion only and is not a permanent change in terms.
• Cannot be used to make payments on U.S. Bank accounts.
• Is applied to qualifying purchases in order based upon the date and time in which they post to your account; note that the date and time a purchase posts to your account differs from the date and time a purchase is actually made.

We may change APRs, fees and other Account terms in the future as provided under the Cardmember Agreement and applicable law. Your account must remain open, have available credit and be current (no minimum payment past due) to receive the promotional rate. 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. The variable APR for purchases or any Delinquency Rate then in effect will apply to any outstanding balances after the promotional period ends.

For a complete list of qualifying expenses,
call Cardmember Service 24 hours a day at 800-285-8585.