Thank you for being a cardmember and providing us the opportunity to meet your financial needs. We are writing to share with you some favorable changes to your account that will take effect on February 19, 2010. None of these changes will result in any increased fees or rates on your card account.

* No more overlimit fees
We will no longer charge overlimit fees if you exceed your credit limit. As always, pleasekeep your credit limit in mind when making transactions as we may decline transactions which cause you to exceed your limit.

* Your payments will reduce your balance faster
Any payment you make in excess of the minimum amount due will be applied to balances with the highest Annual Percentage Rate first. Making payments in excess of the minimum required will help you pay off your balances faster and save you money with reduced interest charges.

* Fixed due dates
Your payment will be due on the same calendar date each month, eliminating the guesswork and helping you to better manage your finances. Also, you won’t be penalized f that date falls on a Sunday or holiday in any given month as payments processed on the next business day will be treated as on-time.

* Limited rate increases
Going forward, any rate increase will only impact transactions made after we inform you of the increase, except for expiration of promotional rates, changes in your variable Index or your failure to make a payment for more than 60 days.

* New financial guidance
Your statement has been enhanced to provide new information on the dollar amount and time it will take to pay off your outstanding balance. This information will help you decide when and how much to pay. There will also be a reminder of the fees or increased interest rates that could be assessed for a late payment.