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Balance Transfer to Chase PerfectCard MasterCard Chase PerfectCardTM MasterCard®

Balance Transfer Disclosures
You agree to allow approximately 30 days for us to process your response and transfer the balance(s) to your Chase account. Please continue to make at least the minimum payments on your other credit cards until we notify you that the balances have been transferred. Chase is not responsible for fees and finance charges incurred by you prior to your balance being transferred to Chase. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). You will continue to be responsible for any balances on your other credit cards. In the event that your request(s) exceed the amount of your credit line, the bank will fulfill your requests in numeric order as listed in your response, may decline to process one or more requests and/or may complete one request in a partial amount. Chase will limit total transfer amounts to $100 less than your total credit line in order to leave part of your line available. The payment and transfer of balances is contingent upon approval by the bank and receipt of complete, legible balance transfer requests. Your balance transfer request may not be used to make payments toward amounts you owe Chase. Transfer requests to cash or to yourself cannot be processed. Balance transfers do not earn rebate rewards. Platinum MasterCard with Standard Pricing/Visa Platinum with Standard Pricing accounts are not eligible for balance transfers.

Credit Disclosures:

Annual Percentage Rate (APR) for Purchases

Preferred Pricing:1
13.74% for Elite Pricing, or 15.74% for Premium Pricing, or 18.99% for Standard Pricing.

Other APRs

Preferred Pricing1 – Balance Transfers: For Elite Pricing and Premium Pricing, fixed 0.00% introductory rate for 9 months from account opening.1 Thereafter, 13.74% for Elite Pricing, or 15.74% for Premium Pricing.
Cash Advances: 19.99% for Elite Pricing and Premium Pricing, or 23.99% for Standard Pricing.
Non-Preferred Pricing - Purchases, Balance Transfers and Cash Advances: Up to 25.99%.

Variable Rate Information

Your APR may vary.
Preferred Pricing1– Balance Transfers: For all purchases from account opening, and for both outstanding and new balance transfers after 9 months accounts with Elite Pricing, the rate is determined monthly by adding 9.74% (or 11.74% for accounts with Premium Pricing) to the Prime Rate.2 For all purchases from account opening for accounts with Standard Pricing, the rate is determined monthly by adding 14.99% to the Prime Rate.2
Cash Advances: The rate is determined monthly by adding 15.99% to the Prime Rate (not less than 19.99% for accounts with Elite and Premium Pricing, or not less than 23.99% for accounts with Standard Pricing).2
Non-Preferred Pricing - Purchases, Balance Transfers and Cash Advances: The rate is determined monthly and is up to the Prime Rate plus 21.99%.2

Grace Period for Repayment of the Balance for Purchases

 Not less than 20 days

Method of Computing the Balance for Purchases

 Average Daily Balance (including new purchases)

Annual Fee

 No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.

Minimum Finance Charge for Purchases

 $.50 (if a finance charge is imposed)

Transaction Fee for Purchases in a Foreign Currency

 For Foreign Currency Transactions, 2% of the converted transaction amount.

1Any promotional rate may change to your regular Preferred Pricing rate if any minimum payment on your Account was past due or if your Account was closed for any reason. Any promotional rate or regular Preferred Pricing rate may change to your Non-Preferred rate if any loan or account of yours with us or your other creditors was past due, your Account was overlimit or any payment on your Account was returned unpaid. All rate changes effective as of your last Statement Closing Date.

2The Prime Rate used to determine your APR is highest rate published in The Wall Street Journal on the last business day of the prior month.

Transaction Fee for Cash Advances: 3% of each cash advance ($5 minimum)
Transaction Fee for Balance Transfers: 3%, $45 maximum per transaction for balance transfers made during the introductory period. Thereafter, $75 per transaction unless otherwise disclosed to you in writing.
Late Payment Fee: $15 for a Balance up to $250.00; $35 for a Balance of $250.01 or greater ("Balance" means Previous Balance on statement that shows the late fee); and $35 when Non-Preferred rate in effect on monthly statement.
Over the Credit Limit Fee: $35.
Other fees may apply.

Chase credit cards are issued by Chase Manhattan Bank USA, National Association.

All rates disclosed in these Disclosures are accurate as of 05/01/04.

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