Ameriprise Financial MasterCard credit cards. Cardmember benefits at a glance. Now featuring chip card technology:

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1 Financial MasterCard credit cards Cardmember benefits at a glance Now featuring chip card technology: Your card features chip technology, designed to make paying for your purchases more secure at chip-card terminals in the U.S. and abroad. Return to table of contents

2 Benefits and Features World Elite World Card account-related features Annual fee 1 Introductory APR 1 Standard Rates (APRs) 1 Rewards Year-end account summary World Elite The $150 annual fee is waived for Achiever Circle Elite clients. Other clients may acquire the card for the $150 client fee. World No annual fee. 0% Introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, currently 13.99% or 15.99% based on your creditworthiness. World and World Elite Purchases and Balance Transfers: 13.99% or 15.99% variable, based on your creditworthiness. Cash Advances: 25.24% variable. In addition to the points cardmembers earn with spending on the card, they can also earn rewards for the everyday activities that put dreams and goals within reach. (See page 4 for more details.) A year-end account summary will be available to cardmembers online within two months of the end of each calendar year. There is no cost to cardmembers. Shopping protections Price protection 2 Return Protection 2 Purchase security 2 Extended warranty 2 Should a cardmember find a lower price for an eligible new item purchased with his or her card within 120 days from the date of purchase, the cardmember may be eligible for reimbursement of the price difference. Provides reimbursement if you are not satisfied with an eligible item you bought within ninety (90) days from the date of purchase using your MasterCard and the retailer won t take it back. Provides protection for eligible items purchased with an eligible MasterCard in the event an item is damaged or stolen within 90 days of purchase. There is no cost to cardmembers. Doubles the original manufacturer s warranty time period and duplicates the coverage of most items purchased with the eligible MasterCard card for up to 24 months. There is no cost to cardmembers. To apply for the Financial MasterCard credit cards, visit ameriprise.com/card or call

3 Benefits and Features World Elite World Travel benefits* MasterAssist Travel Assistance 2 MasterTrip Travel Assistance 2 Travel Services Medical Assistance 2 World Elite travel benefits 3 Up to $200 Airline Credit 4 Personal travel specialists Priceless Cities Complimentary business class upgrades Business Class Companion Ticket Savings Program World Elite Airfare Savings Program 3 Hotels and Resorts Portfolio Cruise program MasterAssist Travel Assistance offers 24/7 emergency assistance and referral services to cardmembers traveling 50 or more miles from home. Cardmembers can access MasterAssist services with a simple, toll-free phone call to MasterCard. Cardmembers are responsible for any fees incurred for professional or emergency services. MasterTrip Travel Assistance provides pre-trip destination information, including information on weather conditions, documentation (visas, passports), immunizations and currency exchange rates. Travel Assistance helps cardmembers locate any lost or stolen travel materials, including luggage. Travel Services Medical Assistance provides a global referral network of physicians, dentists, hospitals and pharmacies. If a cardmember is hospitalized, MasterAssist will arrange to have messages relayed home, have the cardmember transferred to another facility and/or have a family member or friend brought to the cardmember s bedside. World Elite cardmembers have 24/7 access to a suite of world-class travel services, benefits and premium offers designed to deliver truly priceless experiences. For complete terms and conditions and more details about World Elite travel benefits: Visit world.mastercard.com/worldelite Call Cardmembers can use the World Elite card for airline tickets, baggage fees, upgrades, in-flight purchases or lounge access, and we ll reimburse registered cardmembers for up to $200 annually, when spend requirements are met. All registered, active cardmembers are eligible for $50 in annual airline credits, and become eligible for an additional $150 in airline credits by spending $36,000 on purchases in the previous or current calendar year. Cardmembers can register for the airline credit at ameriprise.com/airlinecredit. Experienced travel advisors design personalized travel experiences using worldwide resources and relationships. Get insider access to one-of-a-kind experiences only with Priceless Cities Access offers just for MasterCard cardmembers at Priceless Cities - A new level of Culture, Adventure and Discovery. Purchase a qualifying Economy Class ticket on select airlines and receive an upgrade to Business Class. Receive a Business Class ticket for a companion with the purchase of a qualifying round-trip Business Class ticket (valid on Aeromexico flights from U.S. gateways to Mexico and Latin America gateways) Up to 30% savings available in various classes of service to numerous destinations around the world. Cardmembers enjoy special benefits and amenities at a unique collection of over 1000 of the world s most exceptional hotels and resorts. Benefits include complimentary room upgrades, early check-in and late check-out upon availability and daily breakfast for two. Your exclusive World Elite benefits provide shipboard credits of up to $500* per cabin on select sailings. Vacation Packages Your exclusive World Elite Vacation Package benefits offer savings of up to 5% or $250 per person with 24 Participating Tour companies. Rental car programs Private jet service Each time you rent a car you will receive up to 25% savings off your car rental and enjoy complimentary elite membership status which includes added value such as complimentary upgrades where available. Your exclusive World Elite benefits provide savings of up to $1,000 savings on round trip flights with 3 participating providers. *Travel benefits subject to availability. Travel-related services are provided by or through one or more service providers, and such providers and benefi ts are subject to change at any time by MasterCard without notice. 2

4 Benefits and Features World Elite World Travel and safety protection Auto rental collision damage waiver 2 Chip card ID theft resolution services Worldwide travel accident insurance 2 Baggage Delay 2 Trip Cancellation Insurance 2 MasterCard Global Service Premium Provides coverage for theft or damage to an eligible rental vehicle when the eligible card is used to initiate and pay for the entire rental transaction and the collision damage waiver offered by the rental agency is declined. No cost to cardmembers. Your new card features chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad. ID theft resolution provides cardmembers with access to a number of services including credit bureau notification, an ID Theft Affidavit, credit and charge card replacement, educational materials on how to avoid further occurrences, and an ID Theft Resolution Kit. No cost to cardmembers. World Elite cardmembers can call if they have been victims of identity theft. World cardmembers can call Travel accident insurance provides accidental death and dismemberment insurance when common carrier tickets are purchased with an eligible card. Coverage of up to $500,000 for World Elite cardmembers and $250,000 for World cardmembers. No cost to cardmembers. To purchase additional coverage, please visit ameriprise.com/travel. Reimburses cardmembers for eligible expenses for up $100 per day for 5 days in the event of a Baggage Delay. Cardmembers are protected against forfeited, nonrefundable, unused common carrier passenger fare if their trip is interrupted or canceled due to a covered reason and they have purchased their common carrier tickets with an eligible MasterCard. If a World Elite MasterCard card is ever lost or stolen, MasterCard will attempt to notify the cardmember s financial institution within five minutes of being reported, can provide emergency cash advance within an hour, and will send a replacement card in one day (in 75 markets), seven days a week. Personal services Concierge service Concierge service provides World Elite and World cardmembers with personal assistance accessible 24/7 by phone. The service helps make dining reservations, secure tickets to events, coordinate business arrangements, locate hard-to-find items, and buy and deliver gifts, with costs for goods or services billed to the cardmember s account. World Elite cardmembers can call Concierge at World cardmembers can call Concierge at Unique events and experiences This experiential benefits program provides World and World Elite cardmembers access to an exciting world of fine dining, luxurious spas, personal shopping consultations, live performing arts events, golf and other lifestyle experiences in cities across the United States. Cardmembers can easily link to priceless.com/world or priceless.com/worldelite to access unique experiences. 3

5 Rewards Earn Rewards points with every purchase. As a cardmember, enjoy the benefits of membership in the Rewards program, which allows you to earn rewards points for everyday spending and for using financial products and services. Earn additional rewards points for maximizing your relationship with Financial. Reward yourself for doing the everyday things that help put your dreams and goals more within reach. You can earn rewards points for setting up a monthly direct deposit, getting an auto or home insurance quote, taking advantage of your online benefits and features, and using other financial products and services. Redeem your Rewards. Redeem your Rewards points for rich rewards including airline tickets, premium travel, entertainment, gift cards, charitable donations and more. Or get exclusive access to MasterCard Unique Experiences & Offers including unique dining, high-end shopping and once-in-a-lifetime experiences. For more information, go to ameriprise.com/rewards. Cash-back redemption. 13 Redeem rewards points for cash back into a qualifying Financial account or credit toward Financial Planning Service (AFPS) fees. World Elite 1.5% cash back toward AFPS fees or into an eligible account. World 1.5% cash back toward AFPS fees or 1.25% cash back into an eligible account. Statement Credit redemption. 14 Redeem your points for a Statement Credit towards the entire or partial price of your purchase. You ll receive a $1 credit for each 100 points redeemed, which you can use toward all or a portion of your purchase. Rewards activity Achiever Circle Program members earn Non-Circle members earn Use your card for 1 point for every $1 spent on purchases 1 point for every $1 spent on purchases everyday spending 5 Invest $50,000 in new 25,000 points NA non-qualified assets 6 Set up monthly ongoing direct deposit into an eligible Financial account 7 Activate the ONE Financial Account Bill Pay account feature 8 Enroll in My Accounts online account management points each quarter NA 500 points NA 1,000 points 500 points Sign up for electronic 2,000 points 1,000 points document delivery 10 Complete an auto 500 points NA insurance quote 11 Complete a home, condo or 500 points NA renters insurance quote 11 Pay auto and home insurance premiums using an Financial MasterCard credit card 11 Bonus points for making $500 in purchases in the first 90 days after the account opening 12* 2 points for every $1 of insurance premium 2 points for every $1 of insurance premium World Elite 10,000 World 10,000 World Elite 10,000 World 10,000 Business and trust accounts are not eligible for the Rewards Program. * For the current MasterCard credit card offers please visit ameriprise.com/cards. 4

6 1 Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the World MasterCard or the World Elite MasterCard credit card. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may not be able to open an account for you. Annual Fee for World MasterCard and MasterCard: $0. Annual fee for World Elite MasterCard: $150. Annual Fee Waiver for Achiever Circle Elite Members: If you are an Achiever Circle Elite member, the annual fee on a World Elite card will be waived. The Annual Fee may or may not be waived in any year based on factors we may determine from time to time without waiving your Annual Fee in subsequent years. If at any time you are no longer an Achiever Circle Elite member, you will be assessed an Annual Fee of $150. Please see your Cardmember Agreement for more details. Please refer to ameriprise.com or your Financial Advisor for more information about your Achiever Circle status and how this status may change. Annual Percentage Rates: 0% introductory APR on balance transfers is applicable for the first 15 billing cycles after your new account is opened (the introductory period ). For purchases and for balance transfers after the introductory period, the variable APR is 13.99% or 15.99% depending on our review of your application and your credit history at account opening. The variable APR for cash advances is 23.99%. The APRs will vary with the market based on the Prime Rate. The minimum monthly interest charge will be $1 ($0.50 for residents of Iowa at time of account opening). Balance Transfer Fee: 3% (min. $10). Cash Advance fee: 5% (min. $10). Foreign Transaction fee: 2%. The fee for the purchase of cash equivalent transactions (purchase of money orders, traveler s checks, foreign currency, lottery tickets, gambling chips or wire transfers): 5% (min. $10). This information is accurate as of 7/15/15 and is subject to change after this date. Contact or visit ameriprise. com for updated information and for more information about the terms of this offer. 2 Certain terms, conditions and exclusions apply. Offer subject to credit approval. Please see the Guide to Benefits on ameriprise.com/card for complete program terms and conditions. 3 Additional terms, conditions and restrictions apply. For additional World Elite MasterCard benefit details, terms, and conditions, please call the number on the back of your card or visit Travel-related services are provided by or through one or more travel service providers and such travel service providers and benefits are subject to change at any time by MasterCard without notice. All benefits are subject to availability at the time of booking. Benefits are subject to terms and conditions unique to each travel service provider and/or destination. All travel and benefits require purchase with your World Elite MasterCard card. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Offers available on select charters, sailings, vacation packages and chauffeured cars. Offers may vary by supplier. Hotel & Resort benefits may be limited to specific room types and may vary by supplier. To take advantage of any World Elite travel benefits unless stated otherwise, you must book through Carlson Wagonlit Travel, MasterCard s designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. Payment currency may vary by merchant and payments may need to be made in local currency or USD. All benefit travel must commence before December 31, 2015 unless otherwise noted. All benefits and offers are subject to availability and are subject to change or cancellation without notice. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, and are valid on new bookings only. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider s other offers. Blackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit or contact one of our program travel advisors for additional program details and terms and conditions. Airline booking and other fees may apply. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and travel service providers are not responsible for printing or typographical errors. The terms and conditions contained herein are subject to change at any time by MasterCard without notice. All benefits are subject to availability. Additional terms, exclusions and conditions apply, visit 4 When Cardmembers register their World Elite account and use their card for airline tickets, baggage fees, upgrades, in-flight purchases or lounge access, you will be reimbursed for up to $200 annually. Register to receive your airline credit at ameriprise.com/ airlinecredit. All registered, active card members in good standing are eligible for $50 in annual airline credits. All registered, active card members in good standing become eligible for an additional $150 in annual airline credits by spending $36,000 on purchases in the previous or current calendar year. Credits will appear on your card statement within 2 weeks following qualifying airline charges. Credits are annual starting in Terms & Conditions: Effective January 1, 2012, World Elite account holders that are registered, active, and in good standing will be eligible for an annual Airline Credit of $50. To receive the $50 annual credit, account holders must enroll at ameriprise.com/airlinecredit. All cards (primary and authorized users) will be enrolled automatically once the primary enrolls their account. You are required to enroll one time. Then a purchase must be made using your World Elite MasterCard with a commercial airline or through most travel agencies or online travel sites to be applied towards the purchase of tickets, baggage fees, upgrades, in-flight incidentals, or lounge access. In addition, the airline, travel agency or online travel sites must submit the incidental air travel fees under the appropriate merchant code, industry code, or required service or product identifier for the charge to be eligible. Please allow up to 2 weeks after the qualifying air travel fee or incidental is charged to your card account for statement credit(s) to be posted to the account. In addition, effective January 1, 2012, account holders who are in good standing and who have made total net purchases of $36,000 during either the previous or current calendar year will be eligible for an additional $150 annual credit. The credit is paid at the account level for all enrolled cards on the card member s statement. All purchase activity from authorized users on your enrolled World Elite will be combined to receive the credit. Credits up to the full eligible amount will be applied to the card statement after qualifying purchases and charges are made. Purchases made by both the primary and additional card holders for the enrolled card account are eligible for annual statement credits. The maximum credit available per calendar year is $200 per account, regardless of the number of cards on the account, and this benefit is subject to change at any time at the sole discretion of Barclaycard. 5 Points earned for everyday purchases on the cards. One (1) Rewards point will be awarded for every $1 of Net Purchases 5

7 made on any Financial MasterCard credit card. Net Purchases means the transaction amount, made by a cardmember or any authorized user, minus any credits, returns, or other adjustments as reflected on the cardmember s monthly account statements. Transactions that are not eligible include, but are not limited to, cash advances (including ATM withdrawals), PIN-based debit card transactions, money orders, balance transfers, convenience checks, drafts, fees, finance charges, purchases made on a line of credit and travelers check purchases. International transactions may take up to 30 days to post. 6 New money bonus points offer.* Achiever Circle and Achiever Circle Elite members can earn 25,000 Rewards points when they add $50,000 or more of new funds to an eligible non-qualified account. Eligible funds are cash or cash equivalents. Eligible accounts include any non-qualified Strategic Portfolio Service (SPS) Advantage, SPS Advisor, ONE Financial Accounts and Brokerage Accounts. Examples of accounts that are NOT eligible would include any IRA account, or any other form of retirement account and/or IRS approved pension plan. In addition, accounts in Trust ownership are not eligible for rewards points. For further details regarding the New money bonus points offer visit.com/rewards. To request a copy of the Rewards Terms and Conditions, call Direct Deposit bonus points offer.* Achiever Circle and Achiever Circle Elite clients earn 500 Rewards points per quarter for maintaining $300 or more per month in direct deposits to an existing ONE Financial Account DDA (i.e., the linked checking account) for three consecutive months. 8 Online Bill Pay bonus points offer.* Achiever Circle and Achiever Circle Elite clients earn 500 Rewards points for activating the Online Bill Pay feature associated with an existing ONE Financial Account. Clients are enrolled in Online Bill Pay after agreeing to the terms and conditions of the site and activation occurs when the client makes their first payment using the system. Clients can earn the 500 Rewards points once for each qualifying ONE Financial Account. 9 Online Account Access.* Achiever Circle and Achiever Circle Elite clients earn a one-time incentive of 1,000 Rewards points for signing up for My Financial Accounts at. All other clients can earn a one-time incentive of 500 Rewards points for signing up for My Financial Accounts at. If the client is already signed up for My Financial Accounts, they do not qualify for this offer. Clients can earn the Rewards points for signing up for My Financial Accounts only once per client per account under this offer. Clients need to be at least 18 years of age to sign up for My Financial Accounts. 10 Online Document Delivery.* Achiever Circle and Achiever Circle Elite Program clients with an existing Financial account earn 1,000 Rewards points for signing up for e-delivery of shareholder documents such as prospectuses and annual reports and earn another 1,000 Rewards points if they sign up for e-delivery of financial confirmations, consolidated statements and future document types. All other clients with an existing Financial account earn 500 Rewards points for signing up for e-delivery of shareholder documents and earn another 500 Rewards points if they sign up for e-delivery of financial confirmations, consolidated statements and future document types. Clients need to be at least 18 years of age to sign up for e-delivery, and must have access to a computer to qualify for this offer. Clients can earn the maximum of 2,000 Rewards points only once per client per account under this offer. To be eligible for online document delivery bonus points, a client must have at least one nonqualified account registration and have e-delivery activated for that account. 11 Auto and home Insurance bonus points offer.* Achiever Circle and Achiever Circle Elite clients earn 500 Rewards points for completing an auto insurance quote and another 500 Rewards points for completing a Home insurance quote. Auto and home insurance are not available in AK, FL, LA, ME, ND, RI, WV and WY. Home, condo or renters insurance are not available in the NY counties of Kings, Queens, Nassau, Richmond and Suffolk. Condo and renters insurance are not available in TX. Insurance coverage varies by region or state. Certain restrictions and limitations apply. This Rewards points offer is not valid in GA, MA, NJ or UT. Clients can earn the Rewards points under this offer once per year per household. 12 World Elite MasterCard and the World MasterCard cardmembers will be awarded ten thousand (10,000) bonus points after at least $ in Net Purchases, Balance Transfers and/or Cash Advances (that are not later returned or rescinded) has been charged to the new account in the first 90 days after account opening. 13 Subject to Rewards program terms and conditions. Points for cash back redemption into a qualifying account must be redeemed in 30,000-point increments. Points are redeemed in increments of 10,000 when being redeemed towards financial planning certificates worth $150. Planning certificates are non-refundable, non replaceable in the event of loss or destruction and are not redeemable for cash or cash equivalents. The amount of the Financial Planning Certificate will be deducted from the Personal Financial Plan purchase amount. Any unused portion will not be returned as cash. Planning certificates are void where prohibited by law. Other terms apply. Business and Trust accounts are not eligible for the Rewards program. You may redeem points for cash back into the following eligible Accounts: Active Portfolios Account, Strategic Portfolio Services (SPS) Advantage Account, ONE Financial Account, the Brokerage Account, and Cash Reserve Certificates Account. 14 The minimum amount for a statement credit is 10,000 points and $100. * Clients must be classified as Achiever Circle or Achiever Circle Elite status at the time of completing a reward activity, or become Achiever Circle or Achiever Circle Elite within 60 days of completing a reward activity in order to receive reward points. Achiever Circle requires $100,000-$499,999 in eligible assets. Achiever Circle Elite requires over $500,000 in eligible assets. The Financial credit cards are issued by Barclays Bank Delaware (Barclaycard) pursuant to a license from MasterCard International Incorporated. MasterCard, World MasterCard, World Elite MasterCard and MasterCard Travel Services are registered trademark of MasterCard International Incorporated. You may not use your Financial 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 Financial MasterCard credit card account if at any time we believe you have violated this requirement. Investment products provided through Financial are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involve investment risks, including possible loss of principal and fluctuation in value. Investment advisory services and products are made available through Financial Services, Inc., a registered investment adviser. Some products and services described may not be available in all jurisdictions or to all clients. Travel benefits are subject to availability. Travel related services are provided by or through one or more service providers and such providers and benefits are subject to change at any time by MasterCard without notice. 6

8 Financial 370 Financial Center, Minneapolis. MN ameriprise.com Financial Services, Inc., Member FINRA and SIPC Financial, Inc. All rights reserved U (10/15)