Disclosure Statement and Rate and Fee ScheduleThe following is a summary of certain terms, including the interest and fees, of the ATB Financial MasterCard Personal CardholderAgreement (the “Cardholder Agreement”) that will apply to your ATB Financial MasterCard Card Account (the “Card Account”) if yourapplication is approved. You will receive the Cardholder Agreement if your application is approved. The following information applicableto your ATB Financial MasterCard Card (the “Card”) is correct as of 11/15 (mm/yy) and is subject to change.For any questions about the Card, please call 1-888-999-1108.

Annual Interest Rate:

The annual interest rates that will apply to your Card Account dependupon which Card you receive as set out below. These annual interestrates are in effect the day the Card Account is opened.

Card NameAnnual Interest RatesPurchases: Cash Advances:

Alberta® MasterCardGold My Rewards®Travel Gold CashRewards® PlatinumCash Rewards® WorldUS Dollar MasterCard®

Standard Rate:19.90% Default Rate:24.90%

Standard Rate:21.90% DefaultRate: 26.90%

Preferred® Fixed-Rate

Preferred Rate:9.90% StandardRate: 15.90% DefaultRate: 22.90%

Preferred Rate:10.90% StandardRate: 15.90%Default Rate:22.90%

Preferred® Variable-Rate

Standard Rate:Between ATBPrime + 5% andATB Prime + 7%Default Rate:Standard Rate +4%

Standard Rate:Between ATBPrime + 6% andATB Prime + 8%Default Rate:Standard Rate +4%

For all Cards except the Preferred Fixed Rate Card: You will lose thebenefit of the Standard Rates that apply to your Card, as set out above,if, for two consecutive Billing Periods, you fail to pay at least the minimumbalance due for each Statement when due, in which case your annualinterest rates will increase to the Default Rates that apply to the Card youreceive, as set out above, beginning on the first day of the followingBilling Period.For the Preferred Fixed Rate Card only: Your initial annual interest rateswill be our Preferred Rates set out above. You will lose the benefit of thePreferred Rates if you fail to pay at least the minimum balance due for aparticular Statement when due, in which case the Preferred Rates willincrease to the Standard Rates that apply to this Card beginning on thefirst day of the following Billing Period. The Standard Rates will continueto apply until either:(a) For three consecutive Billing Periods, you pay at least the minimumbalance due for each Statement when due, in which case the StandardRates will be decreased to the Preferred Rates set out above, or (b) Youfail to pay, for two consecutives Billing Periods, at least the minimumbalance due for each Statement when due, in which case the StandardRates will be increased to the Default Rates that apply to this Cardbeginning on the first day of the following Billing Period.For the Preferred Variable Card only: The Standard Rates for which youare approved will depend upon your credit rating at the time of applicationand will be disclosed to you in the Card Carrier. “ATB Prime” means theannual rate of interest announced by us from time to time as ourCanadian Dollar Prime Lending Rate; our Canadian Dollar Prime LendingRate may be obtained at any time from our website at www.atb.com.Any change in the ATB Prime will cause a corresponding change in theannual interest rates applicable to the Card Account, effective on the firstday of the Billing Period during which the change in the ATB Prime Rate

occurs. For more information about our interest rates, see the attached Termsand Conditions.

Interest-free Grace Period

If the entire new balance indicated on a particular Statement is paid bythe payment due date shown on that Statement, we will waive the interestcharges on those purchases and fees which appear on that Statement forthe first time. This means those new purchases and fees will be subjectto an interest-free period of at least 21 days if the entire balance is paidin full by the payment due date indicated on that Statement. There is nointerest-free period for cash advances (including balance transfers,money orders, traveler’s cheques, wire transfers and gamblingtransactions) and cheques, or their associated fees.

Minimum Payment

The Minimum Balance Due for each Statement will be equal to:(a) $10.00 plus all outstanding interest and fees on your Card Account;plus (b) any amount that exceeds the Credit Limit; plus (c) any amountthat is overdue.However, if the new balance indicated on the Statement is less than$10.00, it must be paid in full by the payment due date shown on thatStatement.

Foreign CurrencyConversion

If you use your Card for a transaction in a currency other than CanadianDollars, the foreign currency will be converted into Canadian Dollarsbefore it is posted on your Card Account. We will convert the amount ofyour transaction to Canadian Dollars at the conversion rate establishedby MasterCard International Inc. (“MCI”). For purchases and cashadvances, that rate is set at the time the transaction is presented forpayment to MCI. For credits to the Card Account, that rate is set at thetime the credit is presented for payment to us from MCI. When thetransaction is posted to your Card Account, in addition to the conversionrate, you will be charged a foreign currency conversion fee of 2.9% ofthe amount of the foreign currency transaction after the foreign currencyhas been converted to Canadian Dollars. This fee applies to both debitsand credits. For the US Dollar MasterCard, transactions incurred in acurrency other than US Dollars will be converted to US Dollars using thesame principles as described above, and the same 2.9% foreigncurrency conversion fee will apply.

Annual Fees

The annual fee, if any, will appear and be due on your second Statement,whether or not you have activated your Card, and thereafter will appearannually on your Statement anniversary date.

Card Name PrimaryEach Co-Applicantor Authorized User

Alberta® MasterCardGold My Rewards® TravelGold Cash Rewards®

None None

Alberta® MasterCard - Secured $49 $25Platinum Cash Rewards® World $120 $25Preferred® Fixed-Rate $29 FreePreferred® Variable-Rate $29 FreeUS Dollar MasterCard® $19 Free

Other Fees

You will be charged on the day the transaction or event occurs:ATM Cash Advance in Canada: $2.50 for each cash advanceATM Cash Advance outside Canada: $5.00 for each cash advanceOver the counter Cash Advance in Canada: $5.00 for each cashadvanceOver the counter Cash Advance outside Canada: $7.50 for each cashadvancePromotional Balance Transfer/Cheque Fee: Up to 2% of the amount ofeach balance transfer made and cheque written to take advantage of apromotional interest rate offer. The fee will be charged to you at the sametime that the balance transfer or cheque is posted to your Card Account.Foreign Currency ATB MasterCard Cheque: $7.50 per chequeSales Slip Copy: $5.00 for each copy of a sales slipStatement Reprint: $10.00 for each statement reprintedCheque Copy: $10.00 for each copy of a chequeOver the Limit: $30.00 charged once per billing cycle on each Statementif your balance exceeds your credit limit at the end of the billing cycle.NSF Fee: $40.00 This fee applies if we dishonour a MasterCard chequebecause it is for an amount that exceeds your credit limit and if anypayment you make to us is returned as dishonoured or unprocessed fromyour financial institution.Rush Replacement Card: $29.00MyPic Fee: $15.00for each card image changeCredit Balance Inactivity Fee: $25.00 or full credit balance, whichever isless, charged on your February Statement if you have a credit balance onthat Statement and there has been no activity on the Card Account for atleast 12 months.For the US Dollar MasterCard only, these fees are charged in US Dollars.