U S WEST Gold MasterCard

Purchases

Over the award period, you will earn .5% cash back on net purchases of $1,000 or less, 1% on net purchases greater than $1,000 but less than $2,000 and 2% on net purchases of $2,000 or more on your U S WEST Gold MasterCard. U S WEST credit card checks and cash advances do not qualify for Cash Back Rebates.

Calling Card Calls

Each time you use your U S WEST account and the calling card number associated with it, you will earn Cash Back Rebates. Over the award period, your calls that are carried by U S WEST and are individually itemized and appear on your U S WEST telephone bill earn Cash Back Rebates at the rate of 5% on net calling card calls of $50 or less, 10% on net calling card calls that are greater than $50 but less than $100 and 25% on net calling card calls that are $100 or more.

Most telephone companies accept your U S WEST calling card for their toll charges, and U S WEST often bills these charges on a separate page of its telephone bill. Your Cash Back Rebate amount will be calculated on U S WEST calling card calls that are billed on the U S WEST portion of your telephone bill. Amounts billed on the separate pages of your telephone bill for non-U S WEST toll charges, as well as taxes and regulatory assessments, are excluded from the Cash Back Rebate calculation.

Accrual and Redemption

The award period for Cash Back Rebates shall be from January 1 through December 31 of each year.

The accrued amount of your Cash Back Rebate will appear on your monthly credit card statement. Cash Back Rebates earned for U S WEST calling card calls may be awarded up to 60 days after the actual charge appears on your U S WEST telephone bill. Your Cash Back Rebate will be awarded annually by Household Bank (Nevada), N.A., no later than February 28 of each year, by: i) a check, if your Cash Back Rebate amount is $1 or greater, or ii) a credit to your Account if the amount of your Cash Back Rebate is less than $1. If the Cash Back Rebate amount is awarded via check and such check is returned to Household Bank due to an incorrect address, Household Bank, having made a good faith effort, shall have no further liability or obligation to reissue such check or credit your account. From time to time we may change any or all of the awards structure, but we will notify you of those changes. The Cash Back Rebates may be forfeited if the credit card account is not in good standing at the regularly scheduled time for the award. Disqualification from the Cash Back Rebate Program may result in the loss of accumulated Cash Back Rebates. Upon our award of the rebate, your Cash Back Rebate points will reset to zero.

Cash Back Rebates are funded by Household Bank (Nevada), N.A. Household Bank is neither owned nor managed by U S WEST or its affiliates. U S WEST refers to U S WEST Communications, Inc.

For complete details on Cash Back Rebates, see the U S WEST Program Rules that will be sent to you with your card.

Annual Percentage Rate (APR) for Purchases^Ý	A Fixed Rate of 9.9% for six months from your first billing cycle date. After that, a variable Reward APR of Prime + 8.4% (16.65% as of 5/20/96) will apply and will never be less than 14.9%. If your account is not maintained in good standing, a variable Standard APR of prime + 12.4% (20.65% as of 5/20/96) will apply and will never be less than 19.8%.
Variable Rate Information^*	After the six month anniversary of your first billing cycle date, your APR may vary quarterly. The rate will be based on the highest Prime Rate published in The Wall Street Journal on the 28th of January, April, July and October ("Index"), plus 8.4% ("Spread") for the Reward APR and 12.4% ("Spread") for the Standard APR and will take effect on the 1st day of your billing cycle for February, May, August and November.
Grace Period for Purchases	No finance charges are assessed on current purchases if the balance is paid in full each month within 25 days after billing.
Method for Computing the Balance for Purchases	Average Daily Balance (including new purchases) Method.
Annual Membership Fee	None.
Minimum Finance Charge	$0.50 in any billing cycle in which a Finance Charge is payable.
Cash Advance Fee, Late Fee and Returned Check Charge	Cash advance: 1% of any advance by credit card check ($1 minimum); 2% of any other advance ($2 minimum). Normal periodic finance charges apply from the date of transaction. Late Fee: $15 ($10 California residents). Returned Check Charge: $15.

^ÝThe Reward APR for cash advances, excluding cash advances made by credit card checks, will never be less than 19.8%. Refer to the Cardmember Agreement and Disclosure Statement, which you will receive with your credit card, for complete details.

^*If The Wall Street Journal, or the Prime Rate, is not published on the 28th, refer to the first business day following the 28th. Increases in the "Index" may cause the Monthly Periodic Rate, Finance Charge, and monthly Minimum Payment to increase.

The information about the cost of the card is accurate as of May 20, 1996. This information may have changed after that date. To find out what may have changed, please call us at 1-800-872-2699.

The U S WEST Gold MasterCard credit card is issued by Household Bank (Nevada), N.A., and serviced by its affiliate, Household Credit Services, Inc., of Salinas, California.

MasterCard is a registered trademark of MasterCard International, Incorporated.

Apply now for the U S WEST Gold MasterCard: 1-800-353-5409