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American Express Cardmember Agreement

Cardmember Agrement: Part 1 of 2 Situation : 0/2012 Delta Reserve for Business Issuer: American Express Bank, FSB Rates and Fees Table Interest Rates Annual Percentage Rate (APR) for Purchases This annual effective rate varies by premium rate. ANNUAL EFFECTIVE INTEREST RATE FOR CASH ADVANCES This annual rate of charge varies according to the policy rate. APR penalty and When it applies This APR varies according to the premium rate. Payment of interest fees Annual registration fee 450 transaction fees ● Cash advance ● Fees for foreign transactions ● Late payment ● Refund ● Overrun This annual effective rate applies to all credits in your account if you make: 1) a payment that is returned; (2) 2 late payments in twelve months; or (3) are not due before the reference date by of the settlement period during which it is due. What is the duration of the effective annual interest rate? In the event that the effective annual interest rate is applied for a of these grounds, it shall apply for at least twelve consecutive billing periods, subject to applicable law. In addition, the annual effective rate remains valid until you have made timely payments without payments having been returned for 12 consecutive billing periods. Their due date is at least twenty-five days after the closing of of each billing period. We do not charge you interest on purchases if you pay your balance in full every month until the due date. We will start calculating interest on cash advances on the day of the transaction. Either $5 or 3% of the amount of each advance whichever is greater. 2.7% each transaction after conversion into US dollars. Up to $35.

$35 None How to calculate interest: We use the Average Daily Balance method (including new transactions). For more information, see Calculating Interest in Part 2. CMAEUAOT000012 996628 page 1 de Click here to log in to your account to get a PDF copy of your account-specific card agreement (agreement). You can also request a copy by calling the number on the back of your card. Make a more informed decision by reading a credit card template before applying. To learn more about rates and fares, you can decide if a card is right for you. The final pricing and fee information depends on your credit history, so note that the following credit card agreements are just examples (PDFs, Adobe Reader-Layer required). . Have you recently been approved for a credit card? Congratulations! The final information about prices and fees depends on your credit history, so your actual prices and conditions can be found in your credit card agreement. You can find it online and add it to your credit card if it arrives in the mail. Already have a Bank of America credit card®? Log in to online banking and request a copy of your credit card agreement….