INTEREST RATES AND INTEREST CHARGES APR 
for Balance Tran 
Penalty APR and When 1t Applies 
Paying Interest 
Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financi'-h 
Protection Bureau ' I j 
Transaction Fees 
� Balance Transfer r;:f7 \ _ ,, . 
1 
� cash Advance ~ 
� Foreign Transactions 
Penalty Fees 
� Late Payment 
� Returned Payment 7.50%, 
This APR will vary with the market based on the Prime Rate. 
7.50%, 
This APR will vary with the market based on the Prime Rate. 
12.50%, 
This APR will vary with the market based on the Prime Rate. 
17.90% 
This APR may be applied to your account if you: 
1) Make your payment 60 days late or: 2) A returned payment causes your account to become 
60 days late. 
How long will the penalty APR Apply?: If your APR is increased for either of 
these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due beginning with the statement cycle immediately 
following the event that triggered the Penalty APR, provided you do not exceed your credit 
limit 
during that time period. Your 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 and your previous balance is zero 
or a credit balance. 
We will begin charging interest on cash advances and convenience checks 
on the date they are posted to your account. 
None 
To 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. 
None 
None 
2% of the transaction in U.S. dollars 
Up to $25 imposed 15 days after the due date. 
Up to $20. 
ow We Will Calculate Your Balance: We use a method called "average adjusted daily balance (including new purchases)." 
See your account agreement for more details. 
3J Other Fees: Rush Card: $20; Stop Payment: $15 for Convenience Checks or Balance Transfers. 
Penalty APR: We may apply the Penalty APR if your payment is 60 days late. 
Billing Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in your 
...t., nt agreement. 
.