U.S. Bank National Association ND may change APRs, fees, and other Account terms in the future based on your experience
with other creditors or U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and
applicable law. We will increase your rate to a Delinquency Rate if your payment is 15 days past due or if you exceed your
credit limit two times in a 12 consecutive month period. See the Summary of Account Terms for the full terms of the offer.