Terms

Annual Fee

An annual membership fee (the “Annual Membership Fee”) may be charged to your Account for the privilege of having a Card(s). The amount of the Annual Membership Fee, if imposed, is disclosed in paragraph 23 of this Agreement, and we may charge interest on the unpaid amount of the Annual Membership Fee. The Annual Membership Fee is payable whether or not you use the Card(s).

The annual membership fees that apply for each MilesAway^® Card type are as follows:

Card Option	Annual Fee
MilesAway Essential	No annual fee
MilesAway Classic	No annual fee
MilesAway Preferred	$75 annual fee; however, the annual fee will be waived if you have at least $3,000 in Purchases during a year (a year is calculated as the 12-month period that begins on the anniversary date of opening your account).

---

Periodic Rate of Finance Charge

The Periodic Rate on portions of your Account will be determined in accordance with either a fixed rate plan or a variable rate plan, depending on the MilesAway Card type. Introductory Rates may be used from time to time. We reserve the right to change these rates from time to time upon prior written notice to you in accordance with this Agreement and applicable law.

The “Periodic Rate” for any given billing cycle shall be calculated in accordance with the following formula: (Annual Percentage Rate/365) x (Number of days in billing cycle) = Periodic Rate.

---

Grace Period on Purchases

25 calendar days

---

Minimum Finance Charge

$0.50

---

Transaction Fees

• Cash Advance Fee

  A transaction fee of 3% of the transaction amount (minimum $10). Cash Advances are allowed up to 50% of the available credit limit with a $1,000 per day maximum.

• Over the Credit Limit Fee

  A $25 fee will be assessed when an account exceeds the credit limit by 10% or more for five consecutive days.

• Return Payment Fee

  A $25 fee will be assessed on any returned payment. (Except in Maryland.)

• Late Payment Fee

  A $25 fee will be assessed if the Minimum Payment Due is not received by the payment due date.

• Replacement Card Fee

  None

• Minimum Payment Due

  $10.00 (or the entire new balance if less than this amount); or 3% of your new monthly balance, whichever amount is greater. Any past due amount and/or any portion of your Account balance exceeding your credit limit may be included in the Minimum Payment Due.

• Alternative Payment Method

  A $10 fee will be assessed for any payment you make via the Automated Response Unit. A $15 fee will be assessed for any check by phone payment you make with a customer service representative.

• Balance Transfer Fee

  A transaction fee of 3% of the amount of the Balance Transfer (minimum $10, maximum $75).

• Foreign Currency Conversion and Cross-Border Transaction Fee

  Visa charges us a Currency Conversion and Issuer Cross-Border Assessment Fee of 1% on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you the Currency Conversion fee and Cross-Border transaction fee of 1% if they are charged to us by Visa. A cross-border transaction is a transaction in which the country of the merchant is different than the country of the cardholder.