Expires June, 2010 - this year.

There are fees associated with this card:

Monthly maintenance fee (waived until June, 2010) $3.95 per month.

Point of sale (POS) signature based transactions - domestic - All domestic non-PIN, signature transactions such as authorizations/settlements, adjustments purchase returns and refunds $0.35 per event.

Point of sale (POS) signature based transactions - international - All international non-PIN, signature transactions such as authorizations/settlements, adjustments purchase returns and refunds $2.35 per event.

Point of sale (POS) decline authorization - domestic - All declined domestic POS transaction authorizations $1.00 per event

Point of sale (POS) decline authorization - international - All declined international POS transaction authorizations $2.00 per event

Cross border transaction fee - charged on all international transactions (PIN or non-PIN)  3% of transaction amount per event

Account statement - paper - preparing and mailing/faxing statements (includes postage, printing)  $5.00 per statement

Customer service - automated IVR - automated account inquiries via Voice Response Unit (IVRU).  waived for card activation.  $0.50 per call

Customer service - live agent - interaction with a live customer service agent  $5.00 per call

Expired card fee - fee starts immediately upon card expiration date  $5.00 per card per month

Re-issue card fee - re-issue new card on existing account sent directly to cardholder via mail $9.95 per event

Express delivery overnight  of replacement card , if lost or stolen  $25.00 per event

Refund check fee - issuance of check upon request when account is closed or expired  $25.00 per event