Rensselaer Alumni Association Visa Signature® Card Support Rensselaer. Be Rewarded! Rensselaer Polytechnic Institute and U.S. Bank have teamed up to offer the RAA Visa Signature® credit card. This exclusive card is giving alums the opportunity to help support their alma mater and alumni programs. U.S. Bank donates a portion of every purchase made with the RAA Visa card to Rensselaer Alumni Association — at no additional cost to the cardholder. The money raised from the credit card program helps fund important projects that might otherwise go unfunded. The Rensselaer Alumni Association Visa Signature card features: •No Annual Fee (Based on credit worthiness)1 • 5000 bonus reward points after your first purchase2 • Earn one reward point for every dollar of net purchases3 • No preset spending limit4, and no limit to the number of points you can earn • Redeem points for cash back6, travel5, merchandise, and more! • 24/7 Concierge Service7 • Special VIP Perks • Zero fraud liability8 • Many other benefits! Apply today! 1The APR may vary, and as of 10/1/15, the variable APR for Purchases and Balance Transfers is currently 11.99% -21.99% based on your creditworthiness, for the Signature Card and 14.99%-23.99%, based on your credit worthiness, for the Select Rewards Card. The variable APR for Cash Advance is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0 for the Signature Card and $0 or $29, based on your creditworthiness, for the Select Rewards Card. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars, 3% of each foreign purchase transaction or foreign AMT advance transaction in Foreign Currency. We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 2 2To earn first-use bonus, purchase must be made within 90 days of account open date. Account must be open and in good standing at the time of posting to receive bonus offer. Bonus will be credited to your account 6-8 weeks after the end of the promotion period. This offer may not apply if your credit card has changed to a different type of card within the last 12 weeks or changes before bonus is applied. 3 Account must be open and current to earn and redeem points. Net purchases are purchases minus credits and returns. 4No preset spending limit is only available on our Signature product and does not mean unlimited spending. Individual transactions are authorized by card issuer based on factors such as account history, credit record and payment resources. Card issuer will present an upper limit for revolving balances and cash advances. 5Some fees may apply. 6Cash back is redeemed in the form of a statement credit. 7Cardmembers are responsible for the cost of any goods or services purchased by Visa Signature Concierge on cardmembers’ behalf. 88U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of the Rensselaer Alumni Association Visa Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.