1 Ameriprise World Elite MasterCard cardmembers receive a complimentary Priority Pass, which entitles them to free visits to more than 100 domestic and 400 international airport lounges. Free visit offer subject to program terms and conditions. Airport lounge access services are provided by Priority Pass Limited. All Priority Pass participating lounges qualify for the Ameriprise World Elite MasterCard free visit offer. Ameriprise Financial reserves the right to change this free visit offer at our discretion and may impose a subsequent per person, per visit fee for cardmembers. Ameriprise Financial will notify cardmembers before charging this fee. All airport lounge fees are subject to change without notice.

2 Subject to Ameriprise Rewards program terms and conditions. You may redeem points for cash back into the following eligible Ameriprise Financial accounts: Active Portfolios^® Account, Ameriprise^® Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE^® Financial Account, Ameriprise Brokerage Account, Ameriprise Personal Savings Account.

3 As an Ameriprise client, the 1.99% introductory Annual Percentage Rate (APR) on balance transfers and convenience checks is applicable for the first six billing cycles after your account is opened (the “Introductory Period”). The introductory APR may end early if we do not receive timely payments, if you exceed your credit line or if we receive a payment that is not honored by your bank. Ameriprise will allocate your payment to lower APR balances before higher APR balances. This means your savings will be lower if you engage in transactions that result in balances subject to higher APR balances. The APR may vary for purchases, and for balance transfers and convenience checks after the Introductory Period, and currently the rate is P+1.25%. The current variable APR for Cash Advances is P+1.25%. Minimum monthly finance charge: $1.00 ($0.50 for residents of Iowa).

Balance transfer and convenience check fee: 3% (min. $5, max. $50). Cash advance fee: 3% (min. $5, max. $50). Other restrictions apply. This information is accurate as of 2/18/08 and may be subject to change after this date.

4 Annual fee: $150. Your Annual Fee will be waived in the first year (Achiever Circle Elite Members Only). We will waive your Annual Fee in a year where you have at least $15,000 in net retail purchases transactions that posted to your Account in the previous 12 months prior to the anniversary of your Account’s open date that are not later returned, disputed, or rescinded. If at any time you are no longer an Achiever Circle Elite Member, you will be assessed the Annual Fee regardless of the amount of retail transactions that have posted to your account. Please refer to the Ameriprise Brokerage Client Agreement, ameriprise.com or your Financial Advisor for more information about your Achiever Circle Elite status and how this status may change. We reserve the right to waive your Annual Fee in any year without waiving your Annual Fee in subsequent years.

Rewards and fee waivers associated with this Program may have a tax impact. You are solely responsible for any tax consequences as a result of points earned and/or redeemed or fee waivers. Please consult your tax advisor if you have tax questions about the Program.

5 We may permit you to incur charges that cause your Current Balance to exceed your revolving credit line. A no preset spending limit does not mean unlimited spending. Each charge that causes your balance to exceed your revolving credit line will be evaluated based upon your Account spending and performance, your payment history with us, and your experience with other creditors. If we authorize these charges, you must pay, with your minimum amount due, the amount by which your Current Balance exceeds your revolving credit line, including amounts due to purchases, cash advances, finance charges, fees, or other charges.

6 Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for complete program terms and conditions.

The Ameriprise Bank MasterCard^® credit cards are offered by Ameriprise Bank, and are issued by Barclays Bank Delaware ("Barclays"). Upon opening your account may be subsequently transferred from Barclays to Ameriprise Bank, FSB ("Ameriprise"). MasterCard is a registered trademark of MasterCard International, Inc., and is used pursuant to a license.

Ameriprise Bank, FSB, an Equal Housing Lender, provides certain deposit, lending and personal trust products and services for Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services, Inc. are subsidiaries of Ameriprise Financial, Inc.

Brokerage, investment and financial advisory services are available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

You may not use your Ameriprise MasterCard credit card account (this includes the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise MasterCard account if at any time we believe you have violated this requirement.

Depending on our review of your application, you may not be approved for an Ameriprise World Elite^® MasterCard^® Account and instead you may receive an Ameriprise MasterCard Account with a credit line of less than $5,000. The benefits and account terms on this Account will differ from those of the World MasterCard card. Please review the materials provided herein and with your Cardmember Agreement for more details.