PRICING INFORMATION 
As of December 31, 2019 

Annual Percentage Rate (APR) 
for Purchases  

0% introductory APR for one year (which is a daily periodic rate of 0%). 

After that, the APR will be 31.4% (which is a daily periodic rate of 
.08602%). This APR will vary with the market based on the Prime Rate 
plus a margin of 26.65 percentage points. 

APR for Cash Advances and 
Balance Transfers* 

31.4% (which is a daily periodic rate of .08602%). 

Paying Interest  

This APR will vary with the market based on the Prime Rate plus a 
margin of 26.65 percentage points. 

Your due date is at least 21 days after the close of each billing cycle.  We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than 50¢. 

Annual Fee 

No annual fee for one year, then $25 

Transaction Fees 

 Balance Transfer 
 Cash Advance 

Penalty Fees 

Either $3 or 3% of the amount of each transfer, whichever is greater 
Either $3 or 3% of the amount of each cash advance, whichever is greater 

 Late Payment  
 Returned Payment 

Up to $38 
Up to $38 

Variable Rate Information 

How We Will Calculate Your 
Balance 

The APR is a variable rate (other than on the Average Daily Balance of 
purchases for the period beginning on the date your account is open until 
the last day of the twelfth billing cycle after your account is open) and will 
be adjusted according to the Index Rate. The Index Rate is the Prime Rate 
published in The Wall Street Journal on the last business day of the month 
immediately preceding the month in which the billing cycle commences.  
The daily periodic rate is determined by dividing the APR currently in 
effect by 365, and then truncating that number to the nearest one hundred 
thousandth percent.  The rate so determined will remain in effect until the 
first day of the next billing cycle, when it will be adjusted again.  An 
increase in the Index Rate may result in an increase in the minimum 
monthly payment.  The APR on the Average Daily Balance of purchases 
obtained after the last day of the promotional period and on the Average 
Daily Balance of cash advances will decrease if there is a decrease in the 
Index Rate.  

We use a method called “average daily balance (including new   
transactions).”  We figure the interest charge on your account by 
multiplying the applicable daily periodic rate by the “Average Daily 
Balance” of purchases and “Average Daily Balance” of cash advances and 
then multiplying the products by the number of days in the billing cycle.  
To get the “Average Daily Balance” of purchases, we start with the 
beginning balance of purchases on your account each day, including billed 
and unpaid interest charges related to purchases, and add any new 
purchases and other debit adjustments and subtract any payments or credits.  
This gives us the daily balance.  At the end of each day, we multiply the 
daily balance by the daily periodic rate.  The result is then added to the 
daily balance to determine the next day’s beginning balance.  If the daily 
balance is negative, then it is considered to be zero.  At the end of the 
statement period, we add up all the daily balances for the billing cycle and 
divide by the total number of days in the billing cycle to get the “Average 
Daily Balance” of purchases.  To get the “Average Daily Balance” of cash 
advances, we start with the beginning balance of cash advances on your 
account each day, including billed and unpaid interest charges related to 
cash advances, and add any new advances and other debit adjustments and 
subtract any payments or credits.  This gives us the daily balance.  At the 
end of each day, we multiply the daily balance by the daily periodic rate. 
The result is then added to the daily balance to determine the next day’s 
beginning balance.  If the daily balance is negative, then it is considered to 
be zero.  At the end of the statement period, we add up all the daily 
balances for the billing cycle and divide by the total number of days in the 
billing cycle to get the “Average Daily Balance” of cash advances.  

*Balances transferred from another credit card account are treated for all purposes as a cash advance.