IMPORTANT RATE, FEE AND OTHER COST INFORMATION
(SUMMARY OF CREDIT TERMS)

Annual Percentage Rate (APR) for Purchases 1.9% APR fixed for 5 billing cycles after your account is opened.† After that,16.49% APR as of 04/01/08.†* Other APRs Balance Transfer APR: 5.90% fixed for the life of the balance on Balance Transfers made in the first 3 billing cycles after your account is opened. † After that, 16.49% APR as of 04/01/08.†* Cash Advance APR: 22.49% as of 04/01/08. †* Penalty Rate APR: up to 30.49% as of 04/01/08 (see explanation below). †* Variable Rate Information The APR for Purchases and Balance Transfers may vary and will be the greater of 13.99% or the Index plus a Margin of 12.49%.* The APR for Cash Advances may vary and will be the greater of 19.99% or the Index plus a Margin of 18.49%.* The Penalty Rate may vary and will be the Index plus a Margin of up to 26.49%.* Grace Period for Repayment of Balance for Purchases Not less than 20 days from the date of the billing statement on new purchases (provided you have paid your previous balance in full by the due date). Method of Computing the Balance for Purchases Average daily balance (including new purchases). Annual Fee $40 for the first year; $70 each year thereafter Minimum Finance Charge $1.75 (any billing cycle a finance charge is imposed). Foreign Currency Transaction Fee for Transactions in Non-U.S. Currency 3% of the amount of the transaction (after conversion to U.S. Dollars). Overlimit Fee $39 Transaction Fee for Cash Advance The greater of $15 or 3% of the transaction (the greater of $15 or 5% of the transaction for certain “Cash Equivalent Transactions”). Transaction Fee for Balance Transfer The greater of $10 or 3% of the transaction. Late Payment Fee $35 if your New Balance is less than $500; or $39 if your New Balance is equal to or greater than $500. † Your Annual Percentage Rates (including Introductory Rates or Special Offer Rates) may terminate and increase to a Penalty Rate or a Preferred Rate if you: (1) fail to make a minimum payment to us when due; (2) exceed your credit limit; or (3) make a payment that is dishonored for any reason. Factors considered in determining whether a rate increase will occur may include how you have handled your account with us and current and historical information regarding your credit in general. * The Index is each month’s highest one-month London Interbank Offered Rate (“LIBOR”) as quoted in the prior month’s The Wall Street Journal, after increasing any fractional rate for LIBOR to its next highest whole percentage point.

Please Note: Your account will have monthly billing cycles, except that your first billing cycle may be less than one month. All credit terms, including minimum finance charges, will apply in each billing cycle including the first billing cycle. You understand that the terms of your account, including APRs, are subject to change. APRs are not guaranteed and they may change to higher APRs. Fixed APRs may change to variable APRs and vice versa. IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We reserve the right to unilaterally change the rates, fees, costs, and other terms at any time for any reason in addition to APR increases that may occur for failure to comply with the terms of your Account.

You agree that payments on your Account may be applied in the order we select. We may allocate payments to balances starting with the lowest Annual Percentage Rate. BALANCE TRANSFERS : Balance Transfers are not available to you until after your Account is opened. You authorize us to make one or more of the balance transfers that you have requested. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested balance transfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less than you requested or we may decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another account with us or one of our affiliates need not be processed. To protect your billing dispute rights, do not request a balance transfer of any amount you might dispute with another creditor. Because there may be delays in the processing of these transactions, continue paying your other creditors the amounts owed for each balance transfer you request, until you receive a periodic billing statement from those creditors showing that the requested balance transfer has been processed. Balance Transfers are subject to applicable fees and finance charges and do not have the benefit of a grace period. CREDIT REPORT : By applying for this account you agree that InfiBank, N.A. may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. You also authorize InfiBank, N.A. to verify your employment, income and other relevant information. The approval of an account and the ongoing extension of credit may be conditioned upon the guarantee of a third party. NOTICE TO CARDMEMBERS AND AUTHORIZED USERS : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents. We will let you know if additional information is required. The ANA U.S.A. Visa® credit card (the “Program”) is sponsored by All Nippon Airways, Co., Ltd., Prestige International and InfiBank, N.A. (the “Sponsors”). Credit card accounts are issued by InfiBank, N.A. Applicants to and Cardmembers in the Program must reside in the United States. Participants consent to and authorize the Sponsors along with any parties with whom they contract in order to manage this program, to share information about the Cardmember(s) and his/her account as necessary to administer the Program. Married applicants may apply for separate Accounts in their own names. OHIO RESIDENTS : The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NOTICE TO MARRIED WISCONSIN APPLICANTS : No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to InfiBank, N.A. at P.O. Box 3696, Omaha, NE 68172-9936. CALIFORNIA RESIDENTS : The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant. NEW YORK RESIDENTS : may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department: 1-877-226-5697. ARBITRATION :You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate as a representative or member of a class action. You may request arbitration rules and forms through either or both of the following arbitration administrators: American Arbitration Association, 800-778-7879; and National Arbitration Forum, 800-474-2371. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account. Cards are issued by InfiBank, N.A.

ANA CARD U.S.A. VISA® Credit Card Rewards Program TERMS AND CONDITIONS SUMMARY: Please read these terms and conditions for important information about the ANA CARD U.S.A. Visa®Credit Card Rewards Program (the “Program”). The Program is sponsored by All Nippon Airways, Co., Ltd., Prestige International USA, Inc. and InfiBank, N.A. (collectively, the “Sponsors”). Credit card accounts are issued by InfiBank, N.A. 1. Program members will earn 1 ANA Mileage Club mile (“AMC Mile”) for each US$1.00 in Qualifying Credit Card Transactions charged on his/her ANA CARD U.S.A. Visa® credit card (“ANA Card”) account. “Qualifying Credit Card Transactions” shall mean purchases of goods or services made with your credit card while the account is in good standing by any authorized user of the account, net of any returns or credits. Qualifying Credit Card Transactions do not include cash advances, balance transfers, convenience checks, fees of any kind (including late fees, overlimit fees, annual fees, and finance charges), and other non-purchase transactions, or any Qualifying Credit Card Transactions made at a time when the account is not in good standing. AMC Miles will be accumulated in the primary cardmember’s account, regardless of which authorized user uses the ANA Card. As a general rule, AMC Miles will be reflected on the 22nd of the following month from the closing date on the statement. For example, if the closing date is March 3rd, the AMC Miles will be reflected on the primary cardmember’s account on April 22nd. 2. In addition to the AMC Miles described in paragraph 1 above, the Sponsors may also award you one or more additional bonus AMC Miles, at the Sponsors’ sole discretion, in connection with certain transactions and/or promotions. Bonus AMC Miles for enrollment, if any, will be awarded by the end of the following month after your first purchase with the card. 3. There is no limit on the number of AMC Miles you can earn. AMC Miles will only be valid until December 31st of the second calendar year after the date of the Qualifying Credit Card Transaction. If you do not use your AMC Miles during such redemption period, the AMC Miles will expire. If you have AMC Miles expiring at the end of any year, you must submit an award request postmarked by December 31st of that year to avoid expiration of such AMC Miles. You may confirm the validity of your earned AMC Miles through ANA SKY WEB “Member’s only” Information Page. 4. In order to redeem AMC Miles, please contact Customer Service Center at 1-800-235-9262 or visit http://www.fly-ana.com and click Mileage Club and Award Redemption to see more details. 5. In the event that the primary cardmember ceases to be a member of the ANA Mileage Club due to membership termination or relocation, please notify ANA CARD U.S.A. Service Center to have your account terminated. 6. Eligibility in the Program is restricted to ANA CARD U.S.A. Visa® cardmembers whose accounts are in good standing (as defined by InfiBank, N.A. from time to time). The primary ANA Card applicant must be an ANA Mileage Club member who resides within the U.S. and has a checking account. Examples of an account not in good standing include, but are not limited to, an overlimit account, a delinquent account, or an account otherwise in violation of the cardmember agreement. If your account is open and in good standing, you may earn and redeem accumulated AMC Miles. If you fail to pay your account on time or otherwise fail to follow the terms of your cardmember agreement, you will forfeit accumulated AMC Miles. 7. The Program is offered at the Sponsors’ sole discretion. The Sponsors may, from time to time and in their sole discretion, change or limit any aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to suspending or terminating all or part of the Program, with or without prior notice to you. The Sponsors also reserve the right to add any Program membership or other fees or increase such fees, if any. 8. The Sponsors reserve the right to terminate the Program at any time. The Sponsors decisions regarding the Program are final. If the Program is terminated, you will be notified of the date by which you must redeem all your accumulated AMC Miles. Closing your credit card account (by you or by the Sponsors) will result in termination of your enrollment in the Program. If your credit card account is closed for any reason, AMC Miles previously accrued shall be forfeited immediately. 9. Any liability for federal, state, or local income taxes or fees or charges arising from the acquisition or use of AMC Miles or credits is the sole responsibility of the Program members and not the Sponsors. 10. Every effort has been made to ensure that all information in all Program materials is accurate. The Sponsors are not responsible for printing errors or omissions. 11. The Program is void where prohibited by law. All Nippon Airways Co., Ltd., is solely responsible for the rules and administration of AMC Miles redemption program. The Sponsors reserve the right to cancel, modify, restrict, or terminate the Program, or any aspects or features of the Program, including mileage accrual, at any time without prior notice to Program members. InfiBank, N.A. is not liable for any accident, loss, injury, or damage incurred in connection with the cardmember’ s participation in the Program. Program members consent to and authorize the Sponsors along with any parties with whom they contract in order to manage this Program, to share information about the cardmember(s) and his/her account as necessary to administer the Program. The ANA Card is marketed by All Nippon Airways Co., Ltd. and Prestige International USA, Inc. under the issuance of InfiBank, N.A. With the exception of the AMC Miles redemption program which is administered by All Nippon Airways Co., Ltd., all other services are provided by Prestige International USA, Inc. and InfiBank, N.A.