Ameriprise Financial MasterCard credit cards

¹ Subject to Ameriprise 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 and are not redeemable for cash. You may redeem points for cash back into the following eligible Ameriprise^® Accounts: Ameriprise Savings Account, Active Portfolios^® Account, Ameriprise Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE^® Financial Account, Ameriprise Brokerage Account and the Ameriprise Personal Savings Account. Please visit ameriprise.com/rewards for the Ameriprise Reward Program Terms and Conditions for complete details. Ameriprise Achiever Circle members will receive an additional 24,000 bonus points for spending at least $500 in net retail purchases in the first 90 days the Account has been open that are not later returned, disputed, or rescinded. The bonus points shall be awarded as follows: 1,000 points upon first use of the Account, regardless of the amount of the retail purchase transactions; an additional 24,000 points will be awarded after 90 days of your Account open date if at least $500 in net retail purchase transactions have occurred in your Account within the first 90 days of your Account open date.

² Ameriprise World Elite MasterCard cardholders receive a complimentary Priority Pass Select Card, which entitles them to free visits to more than 600 international airport lounges in over 100 countries and more than 300 cities. Free visit offer subject to program terms and conditions. Airport lounge access services are provided by Priority Pass Select Limited. Ameriprise Financial reserves the right to change this free visit offer at our discretion and may, with prior notice to you, impose a subsequent per person, per visit fee for cardholders. For the Priority Pass Select Conditions of Use please visit prioritypass.com.

Annual Fee Waiver for Achiever Circle Elite Members: If you are an Ameriprise Achiever Circle Elite member we will waive your annual fee on a World Elite card. We reserve the right to waive your Annual Fee 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 a member of Achiever Circle Elite, 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.

Ameriprise Bank, FSB, Equal Housing Lender and Member FDIC, provides deposit, lending, rewards points and personal trust products to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for selling bank products.

You may not use your Ameriprise MasterCard 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 Ameriprise MasterCard account if at any time we believe you have violated this requirement.

The Ameriprise Financial MasterCard^® credit cards are offered through Barclays Bank Delaware and issued by Ameriprise Bank, FSB. Upon opening, your Account may be subsequently transferred to Ameriprise Bank, FSB. MasterCard is a registered trademark of MasterCard International Incorporated, and is used pursuant to a license.

Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the Ameriprise World MasterCard or the Ameriprise 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 or you may receive an Ameriprise MasterCard credit card. See Terms and Conditions for information about the account terms and benefits that will apply if you are not approved for a World MasterCard or World Elite MasterCard credit card. For information about the annual fee, rates, fees, other costs, and the rewards program rules and benefits associated with the use of this credit card program, please see the Terms and Conditions.

Ameriprise Rewards Terms and Conditions apply to certain offers. Offers subject to change.

American Express Cards

⁴ The Platinum Card^® from American Express and the American Express^® Gold Card are issued by American Express Bank, FSB. ©2010 American Express Bank, FSB. All rights reserved. American Express Company and Ameriprise Financial, Inc. are not, directly or indirectly controlling, controlled by or under common control with each other. Your ability to have this Card product is contingent on a relationship between you and Ameriprise Financial, Inc. If no relationship exists, or if your relationship with Ameriprise Financial ends, American Express has the right to cancel your Card account or transfer your account to another American Express Card product that will have different features and benefits.

The Platinum Card from American Express

⁵ As an Ameriprise client, 5,000 bonus points will be awarded to your Membership Rewards First^® program account for every $20,000 in Eligible Spending on the Card. A maximum of 30,000 bonus points can be earned in each 12-month period (billing periods from January through December). "Eligible Spending" includes all purchases (less purchase credits) other than purchases of American Express^® Travelers Cheques, American Express^® Gift Cheques or other cash equivalents, and does not include fees, finance charges or cash advances. Bonus points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $20,000 of Eligible Spending, provided that your Card Account is open and in good standing on the bonus crediting date. Bonus points will be awarded only on Platinum Card Accounts obtained through an arrangement between American Express and Ameriprise. Bonus point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0695. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/terms.

⁶ There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

⁷ The Platinum Card^® member must be traveling. Name on ticket must match name on Platinum Card. The Platinum member must be 18 years of age to enter the Airport Club Lounge without a parent or guardian for American Airlines Admirals Club^® lounges. For Delta Sky Club™ lounges the member must be 18 where there is no self-service bar. The Platinum member must be 21 years of age to enter into all Airport Club Lounges where there is a self-service bar. Local age restrictions apply in non-U.S. locations. The Platinum member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements may not apply. Employee travel-related benefit tickets are not eligible with American Airlines. The Platinum Card member must present his or her valid Card, government-issued I.D., and same day airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call Platinum Member Services. Partners and locations subject to change.

⁸ Basic Card: Annual fee waived for the first year; then $450 per year. Additional Cards: No Annual fee for the first year, then $175 for up to three Additional Platinum Cards and $175 for each Additional Platinum Card after the first three. No Annual fee for the first year, then $45 for up to five Additional Gold Cards and $45 for each Additional Gold Card after the first five.

American Express Gold Card

⁹ As an Ameriprise client, 2,500 bonus points will be awarded to your Membership Rewards^® program account for every $10,000 in Eligible Spending on the Card. A maximum of 20,000 bonus points can be earned in each 12-month period (billing periods from January through December). "Eligible Spending" includes all purchases (less purchase credits) other than purchases of American Express^® Travelers Cheques, American Express^® Gift Cheques or other cash equivalents, and does not include fees, finance charges or cash advances. Bonus points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $10,000 of Eligible Spending, provided that your Card Account is open and in good standing on the bonus crediting date. Bonus points will be awarded only on Gold Card Accounts obtained through an arrangement between American Express and Ameriprise. Bonus point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0694. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/terms.

¹⁰ Ticket orders may be subject to a service charge. Subject to availability as well as to prior group sales, subscription sales and special ticket holds. Casting, dates, times and prices subject to change. No refunds or exchanges. Ticket limits may apply. All events are on sale now unless otherwise stated. Some events through [Gold Card Events] may not be accessible to Cardmembers with disabilities.

¹¹ Basic Card: Annual fee waived for the first year; then $125 per year. Additional Cards: Annual fee waived for the first year, then $35 for up to five Additional Cards and $35 for each Additional Card after the first five