| Imagine receiving a free lottery ticket | | | | 0% APR on purchases for the first 5 |
| every time you spend $1.00 on your | | | | months†|
| everyday purchases. Imagine no more! | | | | Grace period for purchases: at least 20 |
| With the American DreamCardTM | | | | days |
| MasterCardÂ(R), you earn entries from | | | | Minimum finance charge: $2.00 |
| everyday spending to win the large | | | | No transaction fee for purchases |
| monthly American DreamCardTM cash | | | | Transaction fee for cash advances: $5 |
| jackpot! | | | | for each cash advance of $100 or less |
| The American DreamCardTM MasterCardÂ(R) | | | | from any Automated Teller Machine (ATM), |
| offers a 0% introductory rate for 5 | | | | transfer or convenience check; for cash |
| months with a generous credit line and | | | | advances (listed above) greater than |
| no annual fee, so it costs you nothing | | | | $100 and all other cash advance |
| to carry. With every net $1.00 spent on | | | | transactions, $15 or 4%, whichever is |
| your card, receive an entry to win the | | | | higher |
| large monthly American DreamCardTM cash | | | | Balance transfer fee: N/A |
| jackpot | | | | Late payment fees: $39 |
| Summary of American DreamCardTM features | | | | Over the limit fees: $39 |
| Large monthly cash jackpots! | | | | Credit line up to $25,000.00 |
| Every $1 in net retail purchases = 1 | | | | APR: See website for additional APR |
| entry to win (up to 1,000 entries per | | | | information |
| purchase) -OR - Earn entries from | | | | Other important terms associated with |
| everyday shopping! | | | | the American DreamCardTM |
| Get 1,000 entries just for applying! | | | | Sweepstakes open to legal US residents, |
| Entries are good for future drawings and | | | | 18 years or older. Void where |
| there is no limit to how many times you | | | | prohibited. |
| can win | | | | With the American DreamCardTM your |
| Refer your friends and automatically | | | | Purchase or Cash Advance APRs will |
| receive 50 entries for each referral and | | | | automatically be adjusted to their |
| get a signing bonus of 1,000 entries for | | | | respective Penalty APRs if the required |
| each referral who is approved for the | | | | minimum payment is not credited to your |
| American DreamCardTM | | | | Account before the first day of the |
| American DreamCardTM holders also have | | | | billing cycle that starts after the "Pay |
| access to MasterCardÂ(R) Exclusive | | | | By" date on your statement 2 times in |
| OnlineTM | | | | any rolling 6-month period. |
| No annual fee | | | | |