PRICING DISCLOSURES

These Pricing Disclosures are part of the Cardholder Agreement.

Interest Rates and Interest Charges

Annual  Percentage  Rate  (APR)  for 
Purchases

29.99%

APR for Cash Advances

29.99% 

Paying Interest

Your due date will be a minimum of 21 days after the close of each billing cycle.  We 
will not charge interest on new purchases 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 Charge

If you are charged interest, the charge will be no less than $0.50.   

Credit Card Tips from the 
Consumer Financial Protection 
Bureau

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.

Fees

Set-Up and Maintenance Fees

Notice:  The Annual Fee will be assessed before you begin using your card and will 
reduce the amount of credit you initially have available.  Based on your initial credit limit 
of $300.00, your initial available credit will only be $225.00 (only $196.00 if you choose 
to have an additional card).  

You may still reject the plan, provided that you have not yet used the account or paid 
a fee after receiving a billing statement.  If you reject the plan, you are not responsible 
for any fees or charges.  

   Processing Fee

   Annual Fee

$89.00 (one-time fee).

$75.00 for first year 
      After that, $48.00 annually. 

Monthly Servicing Fee

None for first year (introductory)
      After that, $75.00 annually ($6.25 per month).

Additional Card Fee

$29.00 annually (if applicable).

Transaction Fees 

Cash Advance Fee

Penalty Fees 

Late Payment Fee

   Returned Payment Fee

None for first year (introductory).  After that, either $5.00 or 5% of the amount of 
each cash advance, whichever is greater.

Up to $38.00

Up to $38.00

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).” See your 
cardholder agreement for more details.  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in the cardholder 
agreement and on the back of your monthly billing statement.

Additional Information Regarding Processing Fee

We require a one-time up front Processing  Fee of $89.00 to be paid in full before your Account is opened.  Once we have 
received and processed your payment of the Processing Fee, your Account will be opened and you may activate and begin 
using your Card.  Refer to the Section entitled “Refund Disclosure” for additional information.

M-121693

Continued

   
Additional Information Regarding Interest Charges and Other Fees

Your Account is subject to the following Interest Charges and Fees, each of which will be charged to your Account as a Purchase 
for the purpose of calculating Interest Charges:

Interest Charges:

Paying Interest Charges.  You agree to pay us Interest Charges on your Account as described herein.  Subject to any grace 
period for new Purchases as described in the next section, Interest Charges will be imposed beginning the date a Purchase or 
Cash Advance is posted to your Account and will continue to accrue until payment is posted. 

How to Avoid Paying Interest Charges on New Purchases (Grace Period).  If you paid the New Balance on your prior monthly 
billing statement by the due date shown on that billing statement, we will not impose any Interest Charges on new Purchases, or 
any portion of a new Purchase, paid by the due date on your current monthly billing statement (which will be at least 21 days from 
the billing cycle closing date).  New Purchases are Purchases that first appear on your current billing statement.  Cash Advances 
are subject to Interest Charges from the date the transaction is posted to your Account.  Unlike Purchases, this means there is 
no time in which you can pay the balance of Cash Advances in order to completely avoid Interest Charges on Cash Advances.  

How We Calculate Interest Charges – Average Daily Balance Method (Including Current Transactions).  Interest Charges on 
Purchases are calculated by applying the monthly periodic rate (shown below) to the average daily balance of Purchases (including 
new Purchases) for each billing cycle.  To calculate the average daily balance of Purchases, we take the beginning balance of 
Purchases each day, add any new Purchases (including Interest Charges and other Fees and charges), and subtract any applicable 
payments and credits.  This gives us the daily balance.  We add up all the daily balances for the billing cycle and divide by the 
number of days in the billing cycle to determine the average daily balance of Purchases.  Interest Charges on Cash Advances are 
calculated by applying the monthly periodic rate (shown below) to the average daily balance of Cash Advances (including new Cash 
Advances).  To get the average daily balance of Cash Advances, we use the same calculation method that we use for Purchases.  

Monthly Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE (APR).  Interest Charges for Purchases and Cash 
Advances are calculated at a monthly periodic rate of 2.4992%, which is a corresponding ANNUAL PERCENTAGE RATE (APR) 
of 29.99%.  We calculate the monthly periodic rate by dividing the APR by 12.   

Minimum Interest Charge.  In any month in which an Interest Charge is due, if that Interest Charge is less than $.50, we may 
charge you a minimum Interest Charge of $.50.  Notwithstanding the foregoing, during the first 12 months your Account is open, 
any Interest Charges assessed on your Account will be equal to the actual accrued interest. 

Fees:

Annual Fee. Your Account will be assessed an Annual Fee of $75.00 when your Account is opened and $48.00 every twelve 
months thereafter whether or not you use your Account.  The Annual Fee is non-refundable except as provided in Section below 
entitled “Refund Disclosure”.  Your payment of the Annual Fee does not affect our right to close your Account.  The Annual Fee 
will not be billed to your Account after your Account is closed.  The Annual Fee will be pro-rated based on when the Account is 
reopened and the Card is re-issued.       

Monthly Servicing Fee.  Your Account will not be charged a Monthly Servicing Fee for the first year (introductory) following 
Account opening.  Each month thereafter, your Account will be charged a Monthly Servicing Fee of $6.25 per month ($75.00 
annually).  This fee will be billed until your Account is closed and the balance is $20.00 or less.   

Cash  Advance  Fee.    In  addition  to  the  periodic  Interest  Charge  we  assess  on  Cash  Advances,  each  time  you  obtain  a 
Cash Advance, we will impose a transaction fee of $5.00 or 5% of the amount of each Cash Advance, whichever is greater.  
Notwithstanding the foregoing, your Account will not be charged any Cash Advance fees for the first year (introductory) following 
Account opening.

Late Payment Fee.  If we do not receive payment from you in at least the amount of your Total Minimum Payment Due by the 
due date shown on your monthly billing statement, you will be charged a Late Payment Fee.  The fee will be the lesser of (a) 
$27.00 if you did not incur a Late Payment Fee during any of the prior six billing periods; otherwise $38.00, or (b) your past due 
Total Minimum Payment Due amount. 

Returned Payment Fee.  If any check or other item tendered in payment of the amount due on your Account is returned unpaid 
for any reason, you will be charged a Returned Payment Fee.  The fee will be the lesser of (a) $27.00 if you did not incur a 
Returned Payment Fee during any of the prior six billing periods; otherwise $38.00, or (b) your past due Total Minimum Payment 
Due amount.

Additional Card Fee.  If you authorize us to issue an additional Card for your Account, an Additional Card Fee of $29.00 will be 
imposed annually for each additional Card.  This fee will be assessed at the time you request each Additional Card and annually 
thereafter following each anniversary date of your Account opening, whether or not the additional Card is used.  The Additional 
Card Fee is non-refundable except as provided in Section below entitled “Refund Disclosure”.  The Additional Card Fee will be 
pro-rated the first year based on when the additional Card is issued. 

Express Delivery Fee.  We impose a $35.00 fee for the express delivery of your Card.   

Copying Fee.  If you request duplicates of any monthly billing statement or other document, a copying charge of $3.00 per page 
may be imposed, unless the request is made in connection with a bona fide billing error dispute.