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