Changes to your credit card statement

We recently made changes to your Credit Card Agreement that affect how information appears on your statement.
Your statement will now show four categories of transactions. In addition to Purchases and Balance Transfers, your statement will show Bank Cash Advances and a new category called Direct Deposit and Check Cash Advances. Theres a limit on certain cash transactions for some accounts. Some customers will have a certain portion of their Total Credit Line available for Bank Cash Advances. This limit is called the Cash Credit Line. We will not increase your current APRs as long as you continue to pay on time. If you pay late, we may charge a Penalty APR on new transactions. Your existing balances will not be subject to the Penalty APR. The Penalty APR would only apply to new transactions going forward. If the Penalty APR is applied after a late payment: Well notify you 45 days in advance of the increase. You can avoid the Penalty APR by not using your account for new transactions. Well review your account periodically to determine if the Penalty APR can be reduced. As a reminder, any amount you pay over the minimum payment will be used to pay down your balances with the highest APRs first.

Whats different on your statement

The illustration below highlights what sections have been updated.

Bank Cash Advances A Bank Cash Advance is when you use your account for a loan, such as when you withdraw cash at an ATM, transfer funds from your credit card for Overdraft Protection or use your credit card for money orders. Since only a portion of your Total Credit Line is available for Bank Cash Advances, its important to keep track of the remaining amount that you can use for Bank Cash Advances.

Cash Credit Line This is the portion of your Total Credit Line that you can use for Bank Cash Advances. The portion available as of your statement closing date is shown as your Portion of Credit Available for Cash. Your Total Credit Line and Cash Credit Line are shown on each monthly statement.

Direct Deposit and Check Cash Advances This new category of cash advances includes writing access checks or calling us to transfer funds directly from your credit card to a deposit account. Total Credit Line This is the amount of credit available for your account. The portion available as of your statement closing date is shown as your Total Credit Available.

Interest Charge Calculation The amount you pay in interest is based on the type of transaction, and your statement now includes four transaction types: Purchases Balance Transfers Direct Deposit and Check Cash Advances Bank Cash Advances Your current APRs for Cash Advances will be applied to Bank Cash Advances as well as Direct Deposit and Check Cash Advances.

Promotional Rate End Date The date your promotional rate will end is also shown.

XX XXXX
Account Information: www.fiacardservices.com Mail billing inquiries to: FIA Card Services, N.A. PO Box XXXXXX El Paso, TX XXXXX-XXXX

Mr. Sample Name Account Number: XXXX XXXX XXXX XXXX Month DayMonth Day, Year

Account Number: XXXX XXXX XXXX XXXX Month DayMonth Day, Year Page X of X Account Number: XXXX XXXX XXXX XXXX

Transactions continued
Account Summary
Previous Balance ......................... $XX,XXX.XX Date Payment and Other Credits ............ XXX.XX Purchases and Adjustments .............. XXX.XX Bank Cash Advances ......................... XXX.XX Direct Deposit and Check Cash Advances ...... ............................................................ XXX.XX Fees Charged ..................................... XX.XX Interest Charged ................................ XX.XX

Month DayMonth Day, Year Page X of X

Transactions continued

Payment Information

Account Summary Total Minimum Payment Due .................................................. $XXX.XX

Payment Due Date ...................................................................X/XX/XX

New Balance Total .............................................................$XX,XXX.XX Current Payment Due ............................................................. $XXX.XX

Transaction

Posting Date

Description

Transaction Date

Posting Date

Description

MM/DD

MM/DD

Bank Cash Advances gLOBAL CASH ACCESS ARUBA

Offer ID

Reference ReferenceNumber Offer ID Number

Account Account Number Number

Amount

Amount

Total

Total

AW

XXXX

XXXX

XXX.XX $XXX.XX

Mail payments to: .........................................$XX,XXX.XX $XX,XXX.XX MM/DD FIA Card Services, N.A. Previous BalanceIf......................... Minimum Late Payment Warning: we do not receive your Total PO Box XXXXX .............................................. $XXX.XX Payment and Other Credits ............ a $XX Paymentby the date listed above, you may have to pay up toXXX.XX Wilmington, DE XXXXX-XXXX late fee. Purchases and Adjustments ..............Minimum New Balance Total ...................... $XX,XXX.XX Customer Service: Total Minimum Payment Warning: If you make only the Total XXX.XX .............................................. $XXX.XX Payment each period, you will pay more in interest and it will take you X.XXX.XXX.XXXX Total Credit Line ........................... $XX,XXX.XX longer to pay Advances example: MM/DD Total ...............................................X/XX/XX TTY) Bank Cashoff your balance. For......................... XXX.XX Credit Available ..................... $X,XXX.XX (X.XXX.XXX.XXXX Cash ............................ $X,XXX.XX DirectIfDeposit and You will pay off Check Cash Advances ...... Credit LineAvailable for Cash. $X,XXX.XX you make no Portion of Credit additional charges the balance shown And you will end up Statement Closing Date ..................... X/XX/XX ............................................................ XXX.XX in Billing Cycle ...................................XX using this card on this statement paying an estimated Days MM/DD and each month in about total of o not receive your Total Minimum Fees Charged ..................................... XX.XX you pay MM/DD e, you may have to pay up to a $XX Only the Total Interest Charged ................................ XX.XX MM/DD $XX,XXX.XX XX years Minimum Payment MM/DD X years $XX,XXX.XX $XXX.XX (Savings = $XX,XXX.XX) New Balance Total ...................... $XX,XXX.XX ng: If you make only the Total Minimum

MM/DD

Bank Cash Advances gLOBAL CASH ACCESS ARUBA MM/DD MM/DD

MM/DD MM/DD MM/DD MM/DD MM/DD MM/DD MM/DD MM/DD

Fees CASH EqUIvALENT - TRANSACTION FEE TOTAL FeeS FOr ThIS PerIOd

AW

XXXX

XXXX

XXXX XXXX

XX.XX XX.XX XX.XX X.XX X.XX

XXX.XX
$XX.XX

MM/DD MM/DD MM/DD MM/DD MM/DD

Fees CASH EqUIvALENT - TRANSACTION FEE TOTAL FeeS FOr ThIS PerIOd

INTEREST CHARgED ON PURCHASES INTEREST CHARgED ON BALANCE TRANSFERS INTEREST CHARgED ON DIR DEP&CHK CASHADv INTEREST CHARgED ON BANK CASH ADvANCES TOTAL INTereST FOr ThIS PerIOd

$XXX.XX

XXXX
$XX.XX $XXX.XX

XXXX

XX.XX $XX.XX XX.XX XX.XX X.XX X.XX

yyyy Totals year-to-date

$XX.XX

ay more in interest and it will take you or example:

Transactions
Transaction Date

will pay off lance shown s statement n about

Total Credit Line ........................... $XX,XXX.XX Total Credit Available ..................... $X,XXX.XX Cash Credit Line ............................ $X,XXX.XX
If you would like information about credit counseling services, call X.XXX.XXX.XXXX. Purchases BEST BUY BED BATH BEYOND LL BEAN AUTO PARTS

Total INTEREST CHARgED ON PURCHASES fees charged in YYYY INTEREST CHARgED ON BALANCETotal interest charged in YYYY TRANSFERS INTEREST CHARgED ON DIR DEP&CHK CASHADv Interest Charge Calculation INTEREST CHARgED ON BANK CASH ADvANCES Your Annual Percentage rate (APr) is the annual interest rate on your account. TOTAL INTereST FOr ThIS PerIOd

yyyy Totals year-to-date

Total fees charged in YYYY Balance Transfers
Amount Total

Annual Percentage rate

Promotional Transaction Type

Promotional Offer Id

Promotional rate end date

Balance Subject to Interest rate $XXX.XX $XXX.XX $XXX.XX

Interest Charges by Transaction Type $XX.XX $X.XX $X.XX $X.XX

$XX.XX

Purchases

XX.XX% XX.XX% XX.XX% X.XX% XX.XX%

And you will end up MM/DD paying an estimated total of

MM/DD MM/DD MM/DD MM/DD

Posting Date

Reference Portion of Credit Available for Cash. $X,XXX.XX Account Description Offer ID Number Number Statement Closing Date ..................... X/XX/XX Payments and Other Credits PAY BY PHONE PAYMENT DaysTOTAL PAyMeNTS ANd OTher CredITS in Billing Cycle ...................................XX

$XX.XX $XXX.XX CK, DD BTXX-SLXXX

XX/XX/XX

XXX.XX $XXX.XX XX.XX XX.XX XX.XX XX.XX

Total interest charged Check Cash AdvancesAPR in YYYY Promotional

Bank Cash Advances

direct deposit and

$XXX.XX

X years

$XX,XXX.XX

MM/DD MM/DD MM/DD MM/DD

Interest Charge Calculation

Your Annual Percentage rate (APr) is the annual interest rate on your account.
$XXX.XX

X years

$XX,XXX.XX (Savings = $XX,XXX.XX)

99

9999999999999999999999999999999999999999999
Account Number: XXXX XXXX XXXX XXXX

FIA Card Services, N.A. P.O. Box XXXXX Wilmington, DE XXXXX-XXXX

Promotional Promotional $XXX.XX Balance $XX.XX BT BZHK-BLNRK XX/XX/XX Offer Id rate end $X,XXX.XX Subject to BT BZHL-BLNRM XX/XX/XX $XXX.XX date Interest Promotional APR = APR for limited time on specified transactions, Promotional Transaction Types: rate
BT = Balance Transfer, ATM = Automatic Teller Machine, PUR = Purchase

Annual Transfers Promotional Balance XX.XX% Promotional APR X.XX% Percentage rate Transaction Promotional APR X.XX% Type XX.XX%

Purchases Promotional APR

XX.XX% X.XX%

PUR

SRXX-XTXXM

XX/XX/XX

$X,XXX.XX $XXX.XX

$XX.XX

Interest Charges by Transaction Type $XX.XX $X.XX $X.XX $X.XX

ut credit counseling services,

||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
X XXXXXXX XXXXX XXXXXXXXXX USEXXXH XXXXX-XX

New Balance Total ...................................................$XX,XXX.XX Total Minimum Payment Due ......................................... $XXX.XX Payment Due Date ..................................................... MM/DD/YY

Purchases Balance Transfers direct deposit and Check Cash Advances Promotional APR Bank Cash Advances

*Protected Balances are balances on your account that were calculated at previous APRs. When an interest rate change for new transactions is applied to your account, your existing balances are identified on your Statement as Protected Balances. These protected balances are generally kept at their current APR until the balances are paid in full.

$XXX.XX $XXX.XX

Sample Name Sample Name XXX Main Street Anytown, DE XXXXX-XXXX-XXX

Of Special Interest
Quick Answers Did you know you can call the automated system to hear your account balance, make payments and request statements? Dial XXX.XXX.XXXX. e-Statements Simplify your life and help the environment at the same time. Log onto the site and enroll in paperless statements.

XX.XX% XX.XX% X.XX%

Enter payment amount

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Check here for a change of mailing address or phone numbers. Please provide all corrections on the reverse side. Mail this coupon along with your check payable to: FIA Card Services.

$XXX.XX $XXX.XX

CK, DD

BTXX-SLXXX

XX/XX/XX

Offer ID

Reference Number

Account Number

Amount
A999999999A

Total

XX.XX%

MISC-06-10-0257_EX.5E1Y_v7_FIAHTR

99999999999999A

XXX.XX $XXX.XX XX.XX

Purchases XX.XX% $X,XXX.XX $XX.XX

her CredITS

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