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For information about the rates, fees, other costs and benefits associated with these cards, click on the corresponding links above and refer to the disclosures in the online credit card application.

1 Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) (“Net Purchases”) charged to the card each billing cycle. Earn 2 points per dollar (consisting of 1 base point and 1 bonus point) for Net Purchases made with the card at any eligible gas, grocery or pharmacy retail merchant categories as designated by us. Eligible merchants and their associated Merchant Category Codes (“MCC”) are the following: (a) Gas Stations (MCC codes 5541 and 5542); (b) Grocery Stores (MCC codes 5411, 5422, 5441, 5451, 5462, and 5499); and (c) Pharmacy Stores (MCC codes 5122 and 5912). Purchases made at merchants that do not process transactions under these codes will not qualify to receive double points. Earn 3 points per dollar (consisting of 1 base point and 2 bonus points) for Net Purchases made with the card through any participating AAA Club, when AAA is the merchant of record, or at eligible retail travel merchant categories as designated by us. Eligible travel Merchant Category Codes (“MCC”) are the following: (a) Airlines (MCC codes 3000-3299, and 4511); (b) Car Rental Agencies (MCC codes 3351-3441, and 7512); (c) Hotels, Motels, Inns and Resorts (MCC codes 3501-3999, and 7011); (d) Cruise Lines (MCC code 4411); and (e) Travel Agencies and Tour Operators (MCC Code 4722). Purchases made at merchants that do not process transactions under these codes will not qualify to receive triple points. You will qualify for 2,500 bonus points if you use your new account to make at least one purchase transaction that posts to your account within 90 days of the account open date. Limit (1) 2,500 bonus points credit per new account. Allow 8-12 weeks from qualifying for the bonus points to post to your account. Rewards begin at 2,500 points for merchandise, 5,000 points for cash and AAA reward vouchers and 15,000 points for air. Other restrictions apply. Complete details accompany new account materials.

2 The Standard Annual Percentage Rates (APRs) vary based on the method of application. If you apply using a take-one application or by phone the Standard Variable APR for Purchases and Balance Transfers is currently between 13.99% and 19.99%, based on your creditworthiness, and the Standard Variable APR for Cash Advances is currently 24.99%. If you apply online, the Standard Variable APR for Purchases and Balance Transfers is currently between 12.99% and 20.99%, based on your creditworthiness, and the Standard Variable APR for Cash Advances is currently 24.99%. If you apply in a AAA club, the Standard APR for Purchases and Balance Transfers is between 12.99% and 19.99%, based on your creditworthiness, and the Standard APR for Cash Advances is 24.99%. For the accounts with Variable APRs, they will vary with the market based on the Prime Rate as set out in the Variable-Rate Information section of your Credit Card Agreement. The remaining terms apply to all methods of application. The current Introductory APR for any Balance Transfers made within 60 days of opening your account is 2.99% through your first 12 statement Closing Dates. Minimum Finance Charge is $1.50. Transaction fee for Balance Transfers, Cash Advances and purchases of wire transfers from a non-financial institution is 4% (min. $10). Overdraft Protection Cash Advances have a fee of $10. Transaction fee for any transaction made in a foreign currency is 2%. We reserve the right to change fees, the APRs for new transactions, and other terms of the account in accordance with the Credit Card Agreement and applicable law. If your account has balances with different APRs, the amount of your payment equal to the Total Minimum Payment Due is applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. Any amount of your payment that is greater than the Total Minimum Payment Due is applied to the balances with the highest APR before being applied to balances with lower APRs. Cash Advances and/or Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A. This credit card program is issued and administered FIA Card Services, N.A.

The AAA Financial Services credit card program is issued and administered by FIA Card Services, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. MasterCard is a registered trademark of MasterCard International Incorporated and is used by the issuer pursuant to license. AAA is a trademark of American Automobile Association, Inc. ©2012 Bank of America Corporation

*** CreditCheck® Select is provided by ConsumerInfo.com, Inc., an Experian® company. To be eligible to enroll in and receive this free benefit you must be 18 years of age or older and a current member of AAA Missouri. After you enroll, if for any reason, you decide to cancel your CreditCheck® Select benefit, you may not re-enroll in this free benefit at a later date. The free Experian® credit report is available online for 30 days after enrollment. Benefit subject to change or termination at any time without notice. Certain terms, conditions and restrictions apply.

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