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