The Phi Theta Kappa Bank of America MasterCard

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Show your support with every purchase you make.

For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Phi Theta Kappa Scholarship Fund - at no additional cost to you!

The WorldPoints® credit card gives you reward point redemption options. You'll earn 1 point for every $1 in net retail purchases.¹ Then you choose the rewards that matter most to you.

Since 2003, over $2 million dollars has been contributed to Phi Theta Kappa's general scholarship fund from the Bank of America Credit Card Affinity Program.

* Discount not valid on special order merchandise, Leadership Development Studies Textbooks or previous orders. Only one promotional code per invoice.

CONDITIONS:

By submitting this application you: (1) acknowledge that you have reviewed the credit card Terms and Conditions; (2) agree to submit your application for this credit card subject to those Terms and Conditions and the terms of the Credit Card Agreement; and (3) authorize us to use the information in your application, and any other information we or our affiliates have about you, to determine your ability to pay, as required by Federal law.

You have read the accompanying application, and everything you have stated is true. You are at least 18 years of age or you are at least 21 years of age if a permanent resident of Puerto Rico. You authorize FIA Card Services, N.A. (hereinafter "us" or "our") to review your credit and employment histories and any other information in order to approve or decline this application, service your account, and manage our relationship with you. You consent to our sharing of information about you and your account with the organization, if any, endorsing this credit card program. You authorize us to share with others, to the extent permitted by law, such information and our credit experience with you. In addition, you may as a customer later indicate a preference to exempt your account from some of the information-sharing with other companies ("opt-out"). If you accept or use an account, you do so subject to the terms of this application, the "Details of Rate, Fee and Other Cost Information" and the Credit Card Agreement, as it may be amended; you also agree to pay all charges incurred under such terms. Any changes you make to the terms of this application will have no effect. You understand that if your application is approved for an account with a credit line that is greater than or equal to $2,000, you will receive a Platinum Plus^® account; if your credit line is less than $2,000, you will receive a Preferred account. The benefits for Preferred accounts differ from Platinum Plus^® accounts. You also understand that the Annual Percentage Rate on the account you receive will be determined based on your creditworthiness. You accept that on a periodic basis your account may be considered for automatic upgrade at our discretion. You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your phone conversations with any of our representatives.

BALANCE TRANSFERS:

If the total amount you request exceeds your credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Access Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur interest charges from the transaction date. The Balance Transfer fee is 3% of the amount of the transaction (min. $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.

Zero Liability:

So long as your account is in good standing, you have exercised reasonable care in safeguarding your card, and you have not reported two or more unauthorized events in the past twelve months, unauthorized purchases are not your responsibility. MasterCard Global Service^™, MasterAssist^® Travel Assistance Services, Master RoadAssist^® : Certain exclusions, restrictions and limitations apply. Details available when you receive your card.

Benefit Information. Certain restrictions apply to each benefit. Preferred card benefits differ from Platinum Plus^® card benefits (i.e., coverage amounts vary and some benefits are not available). The MyConcierge^SM service is available for personal use of the cardholder, his or her spouse, and dependents under 22. Available by phone or online, 24 hours a day, 7 days a week. Significant terms and conditions apply. You are responsible for the cost of any items or services arranged on your behalf. The MyConcierge service is provided by LesConcierges, Inc. Details accompany new account materials.

WORLDPOINTS:

Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. Point earnings are rounded to the nearest whole point. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, out-of-network payments made through the Bill Pay Choice^® service, any bill payments made through online banking, purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Earn unlimited points. Points valid for 5 years. Rewards begin at 2,500 points for cash/merchandise and 15,000 points for air. Air rewards may be subject to a maximum dollar value and special air arrangements require payment of additional points and a processing fee. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. gateway. A cash reward shall be issued for a U.S. dollar sum in the form of a check, an electronic deposit to a checking or savings account of your choice or a payment towards a mortgage loan with Bank of America (excluding reverse mortgages). Cash reward check expires 90 days after date of issue. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A. Other significant terms apply. Program subject to change. For more information, visit bankofamerica.com/worldpoints. Details accompany new account materials.

The information contained in these disclosures is updated regularly, but may have changed since the last update. To find out what may have changed, you may contact Bank of America, for specific information by calling 1.800.932.2775 or by writing to P.O. Box 15020, Wilmington, DE 19850.

The Bank of America^® Privacy Policy is available at www.bankofamerica.com and accompanies the credit card.

This credit card program is issued and administered by FIA Card Services, N.A. Any account opened in response to this application shall be governed by the laws of the State of Delaware. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required. MyConcierge is a service mark of Les Concierges, Inc., and is used by the issuer pursuant to a license. Bill Pay Choice, WorldPoints, the WorldPoints design, Platinum Plus and Ultimate Access are registered trademarks of FIA Card Services, N.A. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by the issuer pursuant to license. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with the WorldPoints program.

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