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}
 
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var eMail = nullEmtpySpace(user.attr("eMail"), "");
var pmName = nullEmtpySpace(user.attr("PM_Name"), "");
var pmPhone = nullEmtpySpace(user.attr("PM_Phone"), "");
var pmEmail = nullEmtpySpace(user.attr("PM_Email"), "");
var lastFour = nullEmtpySpace(user.attr("ACCT_LAST4"), "");
var loyaltyID = nullEmtpySpace(user.attr("Confirmation_Code"), "");
var cardName = nullEmtpySpace(user.attr("CC_Name_Long"), "");
var promoKey = nullEmtpySpace(user.attr("CC_Hurdle1"), "");

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var trackingCode = "xxxxx";
var offerCode = "xxxx";
var accDate = "Month dd, 20yy";

POST-->
U.S. Bank
usbank.com
----------------------------------------------------------------

U.S. Bank Convenience Check - December FlexPerks(R)

Take control of your holiday expenses and save with 2.99% 
promotional APR for the life of your balance!(1) Plus, earn 
2,000 FlexPoints.(2)  

Transfer a balance now to take advantage of your special rate offer!
http://www.usbank.com/cgi_w/cfm/promo/personal/transfer_a_balance_mar.cfm

* Pay off higher-APR cards
* Consolidate debt

Enter offer code `trackingCode` on the request page to take 
advantage of this great offer.

Re: Your account ending in `lastFour`

Dear `fullName`,

Here is a gift for you. With your U.S. Bank FlexPerks Travel 
Rewards Visa Signature(R) Card Account, you can take advantage 
of this special offer to consolidate your holiday and other 
expenses into a single monthly payment.

Pay down your higher-rate balances and use the savings for 
whatever you want. Your Savings, Your Choice!

Plus, when you transfer one balance of $1,000 or more, you'll 
automatically receive 2,000 FlexPoints.(2)

Use this special offer to:
* Consolidate holiday debt
* Pay off higher-rate cards and loans

This 2.99% promotional APR for the Life of the Balance special 
offer ends February 29, 2012. For more information about your 
account or transferring a balance, call Cardmember Service at 
877-978-7446.

(2)Balances may not be transferred to U.S. Bank or Cardmember 
Service. Balance transfers other than those written and offered 
for payment for $1,000 or more by the expiration date in response 
to the above promotional offer, do not earn rewards.
 
P.S. Don't wait! Take advantage of this offer now! Once you log 
in to your account, you will need to enter offer code `trackingCode`.

----------------------------------------------------------------
`trackingCode`

Interest and Fee Information

APR for Promotional Offer
2.99% (Promotional APR for the Life of the Balance).

Use by Date
You must transfer a balance by February 29, 2012 for the promotional 
APR to apply. If you transfer a balance after that date, we may 
still honor the transaction, but you will not receive the 
promotional APR. Instead, the standard APR for Purchases will apply.

Fee
Either 4% of the amount of each transaction or $5 minimum, 
whichever is greater.

Paying Interest
We will begin charging interest on the transaction date.

(1)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. We apply your minimum payment to balances with lower 
APRs first. Amounts paid over the minimum payment will be applied in 
the order of highest to lowest APR balances. U.S. Bank National 
Association ND may return your balance transfer unpaid if the amount 
of credit available on your Account is less than the amount on the 
balance transfer plus transaction fees or if you have failed to make 
minimum monthly payments by the payment due date. If your balance 
transfer is paid, and the balance transfer amount including fees 
exceeds your available credit limit, overlimit fees may be assessed 
in accordance with your Cardmember Agreement. Please see your Cardmember 
Agreement for more information. The merchant, financial institution or 
creditor to which you present your balance transfer may also assess 
return payment fees if the balance transfer is returned unpaid. Balance 
transfers may not be written to U.S. Bank or Cardmember Service. There 
is a maximum of 2,000 FlexPoints per Account holder. Balance Transfers 
other than those made with this special offer code of `offerCode`, for 
$1,000 or more by the expiration date, do not earn rewards. The above 
disclosures are the complete terms of this promotional discount offer. 
Rates are accurate as of `accDate`.

The creditor and issuer of your U.S. Bank Visa Credit Card is U.S. Bank 
National Association ND, pursuant to a license from Visa U.S.A Inc.

To ensure that you continue to receive email from us, please add us to 
your Address Book (1800USBanks@usbank-email.com). Thank you.
mailto:1800USBanks@usbank-email.com

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. Go to
https://emailpreferences.usbank.com/emailPref/email_usb_main.jsp?emailAddress=`eMail`

View the U.S. Bank Privacy Pledge at: 
http://www.usbank.com/cgi_w/cfm/about/privacy/consumer_privacy.cfm?redirect=privacypledge

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

(C)2012 U.S. Bank. All rights reserved
FTX12A