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Make a Smart Move and Save with a 2.99% Promotional APR for the Life of the Balance.1 Plus, Earn 2,000 Rewards Points.† |
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| Re: Your account ending in `ACCT_L4` |
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| Dear `FIRST_NAME` `LAST_NAME`, |
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| It’s smart to save. With your 1-2-3 REWARDS Visa® Card Account, you can take advantage of this special offer to consolidate your higher-rate balances from gas and store cards, credit cards and personal loans. |
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Plus, when you transfer one balance of $2,000 or more, you’ll automatically receive 2,000 Rewards Points. |
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Pay down your higher-rate balances and use the savings for home improvements, travel or just something special for yourself. Your savings, your choice! |
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| This 2.99% Promotional APR for the Life of the Balance special offer ends May 15, 2012. For more information about your account or transferring a balance, call Cardmember Service at 1-877-373-6192. |
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†A balance needs to be written and offered for payment for $2,000 or more by May 15, 2012, to receive bonus points. Bonus points will be credited to your Account six to ten weeks after the offer expiration date. There is a maximum of 2,000 bonus points per Account holder.
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| `TRACKING_CODE` |
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 May 15, 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. |
1We 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 Purchases, Cash Advances or Balance Transfers not made in response to this Promotional offer. If you transfer a balance without the offer code provided (i.e., entering only the routing and transit number), or if you use an invalid offer code, the balance transfer transaction, plus applicable interest and fees, will post at your account's standard Cash Advance Rate as specified in the Cardmember Agreement. 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. Balance Transfers other than those made with this special offer code of `TRACKING_CODE`, for $2,000 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 `APR_AS_OF_DATE`.
The creditor and issuer of your 1-2-3 REWARDS Visa Credit Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A Inc.
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U.S. Bank, EP-MN-L20D, 200 South 6th Street, Minneapolis, MN 55402
©2012 U.S. Bank. All rights reserved
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