Balance Transfer Terms and Conditions Please read the Terms and Conditions below. Promotional Offers Balance transfer transactions and check transactions that do not meet all of the terms and conditions for this promotional offer will be subject to the applicable APRs under the terms of your Cardmember Agreement; provided, however, that balance transfer or check transactions posted to your Account after the respond-by date for this promotional offer will be subject to either the terms of your Cardmember Agreement or the promotional terms that your Account may then be eligible for (including rates, fees, and credit line adjustment that may be different from the terms of this promotional offer). Transactions made as part of this offer are not eligible for reward, rebate, or mileage program awards unless otherwise noted. Payments and credits may be applied first to promotional balances before being applied to balances with higher APRs. This will result in the lower APR balances being paid before the higher APR balances. This offer is not valid in conjunction with any other promotional APR offer. Transactions are only eligible for dollar-for-dollar credit line increases if specifically communicated in the applicable promotional offer, if any. Such credit line increase offers are not applicable to checks made payable to cash, yourself, for deposit only, or to any broker-dealer/stockbroker or similar asset account. These line increase offers are void if your Account is not in good standing at the time the transaction is presented or if your line of credit has recently been reduced. The accounts from which you transfer the entire balance will not be closed automatically after the transfers have been completed. It is your responsibility to close such accounts, if you choose. Termination of Promotional Terms and Conditions Transactions made in response to promotional offers may be void if (a) they exceed your available credit limit, as applicable, (b) they are used to pay any American Express Centurion Bank or American Express Bank, FSB Credit Card or other credit Account, including but not limited to Sign & Travel®, Extended Payment Option, or FlexSelect® Accounts, or (c) they are used to transfer balances to an American Express Credit Card account other than the Credit Card Account to which this offer applies. Also, checks or balance transfer transactions may not be honored if we receive information (including a credit score) from a credit reporting agency or other third party indicating an unsatisfactory decline in your creditworthiness. Any promotional APRs will terminate if you fail to pay any Minimum Amount Due by its Payment Due Date, or upon any condition that causes a default or other penalty rate to apply to your Account, and the applicable default or penalty rate will apply. Transaction Fees and Finance Charges If applicable to the terms of your account and your promotional offer, we may assess a transaction fee for each balance transfer and convenience check transaction. Such fee will be disclosed in the applicable promotional offer, in the materials accompanying the convenience check, or at the time of the transaction. Offer details are also available by calling American Express customer service. This fee, if assessed, is a Finance Charge. Finance Charges on any balance transfer or check transaction begin to accrue on the date the transaction is requested or the check is first deposited into a depository institution, whichever comes first, and will be calculated and reported on the Finance Charges portion of your statement.      Please see your Cardmember Agreement for additional information.