G-17(C) Account-opening Sample

Interest Rates and Interest Charges

Annual Percentage Rate 

(APR) for Purchases 

8.99%

This 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 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. There is no grace period for cash advances or balance transfers. 

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). 

x

x

x

x

x

x

Annual Fee $60 

Account Set-up Fee $30 (one-time fee) 

Program Fee $85 (one-time fee) 

Participation Fee $84 annually ($7 per month) 

Additional Card Fee $15 annually (if applicable) 

Account Maintenance Fee 

on Closed Accounts 

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

more) 

Transaction Fees 

x

x

x

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

$100). 

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

Foreign Transaction 2% of each transaction in U.S. dollars. 

Penalty Fees 

x

x

x

Late Payment $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.) 

Over-the-Credit Limit $29 (Your APRs may also increase; see Penalty APR section above.) 

Returned Payment $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)." See your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 

your account agreement.