View this email as a Web page.   Register now to get a SPECIAL APR!   Visit usbcardoffer.com   Call 888-577-3382   Provide this promotion code: `promoKey` Save with a special APR for a limited time – register now! Re: Your `cardName` card ending in `lastFour` Dear `firstName`, We’re helping you make the most of your money this holiday season with a special low rate on your `cardName` card. •  Register for this special offer. •  Spend $`XXX` and get a `R.RR`% promotional APR on all additional purchases made between December 1, 2011 and January 31, 2012. After the promotional period ends, you will be charged the APR for Purchases, currently `P.PP`%. •  Enjoy your low rate on these eligible purchases until July 2012. Beginning with your August 2012 billing period, the standard APR for Purchases will apply, currently `P.PP`%, on any remaining promotional balance. Don’t let the savings pass you by. Use your card for all your purchases – from holiday to everyday spending. Please allow up to 2 weeks after you register for purchases to qualify. Terms and Conditions APR for Promotional Purchases `R.RR`% APR through your July 2012 billing cycle on purchases that meet the required spend amount. For purchases made after January 31, 2012, for purchases that are less than $`XXX`, and for any promotional balance that remains after your July 2012 billing cycle, you will be charged the APR for Purchases, currently `P.PP`%. Promotion Timeline Register for this promotion by December 31, 2011. Once you register and the promotion begins, the promotional APR will be applied to additional purchases made between December 1, 2011 and January 31, 2012 after you spend $`XXX`. Purchases made after that date will not receive the promotional APR, instead the standard APR for Purchases will apply. Please allow up to 2 weeks after you register for purchases to qualify. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of the highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law. Promotional rate does not apply to cash advances, balance transfers or convenience checks and cannot be used to make payments on U.S. Bank accounts. It is for the use of this promotion only and is not a permanent change in terms. Promotional rate is applied to qualifying purchases 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. This promotional offer is only valid for the Cardmember and Account indicated above and is non-transferable. Your Account must remain open, have available credit and be current (no minimum payment past due) to qualify for this offer. The creditor and issuer of this card is U.S. Bank National Association ND, pursuant to licenses from Visa U.S.A. Inc. or MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. To ensure that you continue to receive email from us, please add us to your Address Book (1800USBanks@usbank-email.com). Thank you. You are receiving this email as a courtesy from U.S. Bank. Please know that you can modify your preferences or be removed from our mailing list at any time. View the U.S. Bank Privacy Pledge. We will never send you an email asking for personal information. Learn more at usbank.com. U.S. Bank, EP-MN-L20D, 200 South 6th Street, Minneapolis, MN 55402. ©2011 U.S. Bank. All rights reserved. 15