Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0.00%  Introductory APR for 12 billing cycles following theaccount open date.After that, between 
12.75% - 17.99%  based on your creditworthiness.  This APR will vary with the market based on the Prime Rate
1. APR for Balance Transfers0.00% Introductory APR for 12 billing cycles following the account open date.After that, between 12.75% - 17.99% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate
1.APR for Cash Advances17.90%Penalty APR and When it Applies18.0%This APR may be applied to your account if:1. Your minimum monthly payment is not made for twoconsecutive billing cycles.How long will the Penalty APR Apply?  If your APRs are increased for the reason above, the Penalty APR will be applied until the billing cycle after your past due status is corrected.Paying InterestYour due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.We will begin charging interest on cash advances on the transaction date.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $.50.For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer  Financial Protection Bureau at  http://www.consumerfinance.gov/learnmore.ESL Rewards Visa Signature� Credit Card Information
 (10/19)
See reverse side for additional information. How we will calculate your balance
     We use a method called �average daily balance (including new purchases).�  See your  
     account agreement for more details.
Loss of Introductory APR
     We may end your Introductory APR and apply the Penalty APR if your minimum 
     monthly payment is not made for two consecutive billing cycles.
Billing Rights
     Information on your rights to dispute transactions and how to exercise those rights is 
     provided in your account agreement.Fees
Annual Fee None
Transaction Fees
� International  
 Service  Assessment1% of transaction amount
Penalty Fees
� Late Payment
� Returned PaymentUp to $25.00
Up to $25.00
Other Fees None
1: We add 8.00% - 14.24% to the Prime Rate to determine the Purchase and Balance Transfer 
Rates.  As of 10 /31/19 , the Prime Rate was 4.75%. Your APR will not exceed the  
maximum allowed by applicable law, which is currently 18.00%.