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† The Annual Percentage Rate (APR) for purchases and ATM and Bank cash advance transactions made with either the Platinum Plus or Preferred card is 12.99%. The current promotional APR offer for cash advance checks and balance transfers made with either account is 1.7% through your first six statement closing dates, commencing the month after your account is opened. When your minimum monthly payment is late (that is, not received by its Payment Due Date), or when the promotional offer expires, the APR that will be applied to all new and outstanding cash advance balances (consisting of cash advance check and balance transfer transactions) will be 12.99% for both Platinum Plus and Preferred accounts. Should your payment be late, the non-promotional APR will be applied to all new and outstanding cash advance check and balance transfer balances as of the first day of the billing cycle in which the payment was late (or never received). Transaction fee for Bank and ATM cash advances: 3% of each cash advance (minimum $5). Transaction fee for credit card cash advance checks and balance transfers: 3% of each cash advance (minimum $5, maximum $40). Transaction fee for the purchase of wire transfers, person-to-person money transfers, money orders, bets, lottery tickets, and casino gaming chips: 3% of each such purchase (minimum $5). The non-promotional APR for your account is not guaranteed and is subject to change. MBNA will allocate your payments to balances (including new transactions) with lower APRs before balances with higher APRs. Cash advances and/or balance transfers may not be used to pay off or pay down any MBNA account. If your application is approved with a credit line of less than $5,000, you will receive a Preferred card.

The information about the cost of the cards described in this advertisement is accurate as of 11/01. The information may have changed after that date. To find out what may have changed, you may contact MBNA America Bank, N.A., by calling toll-free to 1-866-438-6262. TTY users, call 1-800-833-6262. MBNA America, MBNA Net Access, and Platinum Plus are service marks of MBNA America Bank, N.A.

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Steven Brill

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† The Annual Percentage Rate (APR) for purchases and ATM and Bank cash advance transactions made with either the Platinum Plus or Preferred card is 12.99%. The current promotional APR offer for cash advance checks and balance transfers made with either account is 1.7% through your first six statement closing dates, commencing the month after your account is opened. When your minimum monthly payment is late (that is, not received by its Payment Due Date), or when the promotional offer expires, the APR that will be applied to all new and outstanding cash advance balances (consisting of cash advance check and balance transfer transactions) will be 12.99% for both Platinum Plus and Preferred accounts. Should your payment be late, the non-promotional APR will be applied to all new and outstanding cash advance check and balance transfer balances as of the first day of the billing cycle in which the payment was late (or never received). Transaction fee for Bank and ATM cash advances: 3% of each cash advance (minimum $5). Transaction fee for credit card cash advance checks and balance transfers: 3% of each cash advance (minimum $5, maximum $40). Transaction fee for the purchase of wire transfers, person-to-person money transfers, money orders, bets, lottery tickets, and casino gaming chips: 3% of each such purchase (minimum $5). The non-promotional APR for your account is not guaranteed and is subject to change. MBNA will allocate your payments to balances (including new transactions) with lower APRs before balances with higher APRs. Cash advances and/or balance transfers may not be used to pay off or pay down any MBNA account. If your application is approved with a credit line of less than $5,000, you will receive a Preferred card.

The information about the cost of the cards described in this advertisement is accurate as of 11/01. The information may have changed after that date. To find out what may have changed, you may contact MBNA America Bank, N.A., by calling toll-free to 1-866-438-6262. TTY users, call 1-800-833-6262. MBNA America, MBNA Net Access, and Platinum Plus are service marks of MBNA America Bank, N.A.