G-10(C) Applications and Solicitations Sample (Credit Cards) 

Interest Rates and Interest Charges 

Annual Percentage Rate 

(APR) for Purchases 

8.99%, 12.99%, or 19.99% when you open your account, based on 

your creditworthiness. 

After that, your APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 0.00% (Intro. APR through your December 2007 billing cycle) 

15.99% (APR after December 2007) 

Balance transfer fees will also apply (see Fees section below). 

Notice Regarding Interest Charges: Your introductory APR applies only to balance 

transfers, not to purchases. During the introductory period we will apply your 

payments to transferred balances before we apply them to any purchases you make. 

You will be charged interest on all purchases until your entire balance has been paid 

off completely, including transferred balances. 

APR for Cash Advances 21.99% 

This APR will vary with the market based on the Prime Rate. 

Cash advance fees will also apply (see Fees section below). 

Penalty APR and When it 

Applies 

28.99% 

This APR may be applied to the entire balance on your account if you: 

1) Make a late payment; 

2) Go over your credit limit; 

3) Make a payment that is returned; or 

4) Do any of the above on another account that you have with us. 

How Long Will the Penalty APR Apply?: If your APRs are increased for any of 

these reasons, we may keep them at this higher level indefinitely. 

Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. 

Grace Period on 

Purchases 

If you pay your entire balance in full each month, you have at least 25 days after the 

close of each period to pay your balance on purchases without being charged interest. 

Website for Additional 

Information 

To learn more about factors to consider when applying for or using a credit card, visit 

the website of the Federal Reserve Board at http://www.frb.gov/location. 

Fees

Set-up and Maintenance 

Fees 

NOTICE: Some of these set-up and maintenance fees will be assessed before you 

begin using your card and will reduce the amount of credit you initially have available. 

For example, if you are assigned the minimum credit limit of $250, your initial available 

credit will be only $68 (or $53 if you choose to have an additional card). 

$60

$30 (one-time fee)

$85 (one-time fee)

$84 annually ($7 per month)

$15 annually (if applicable)

$60 annually ($5 per month on closed accounts with an outstanding balance of $30 or 

more)

• Annual Fee 

• Account Set-up Fee 

• Program Fee 

• Participation Fee 

• Additional Card Fee 

• Account Maintenance 

Fee on Closed Accounts 

Transaction Fees 

• Balance Transfer 

• Cash Advance 

Penalty Fees 

• Late Payment 

Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: 

$100). 

Either $5 or 3% of the amount of each cash advance, whichever is greater. 

$29 if balance is less than or equal to $1,000; 

$35 if balance is more than $1,000 (Your APRs may also increase; see Penalty APR 

section above.) 

$29 (Your APRs may also increase; see Penalty APR section above.)

$35 (Your APRs may also increase; see Penalty APR section above.)

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

• Over-the-Credit Limit 

• Returned Payment