PRICING  INFORMATION 
FIRST  TRAVEL 
AS OF 11/15 

Variable  Annual  Percentage  Rates  (APRs)  and corresponding  periodic  rates  for Purchase  and Balance  Transfer  balances: 

Prime*  plus a margin  of 8.9%  (12.15%) 

Corresponding monthly  periodic  rates  of (1.0125%) 

Variable  Annual  Percentage  Rate  (APR)  and corresponding  periodic  rate for Cash  Advance  balances 

Prime*  plus a margin  of 8.9%  (12.15%) 

Corresponding monthly  periodic  rate of (1.0125%) 

*APRs  may  increase  or decrease  for each  new billing  cycle  based  on changes  in the U.S. Prime  Rate  published  in The Wall Street  Journal 
(“Prime”). Each  APR  will equal  the sum  of Prime  plus the applicable  margin  (“Margin”). Margin  means the percentage  points  added  to the 
Prime  Rate  to calculate  the APR. An increase  in your rates  will increase  your  interest  charges  and may increase  your minimum  monthly 
payment. Your  rates  will not exceed  the maximum  we are allowed  to charge  under  applicable  law. 

Penalty  APR  and when  it applies:   None 

Paying  Interest: 

Your  due date  is at least  24 days  after  the close  of each  billing  cycle. 

Purchases:  We will not charge you interest on purchases if you pay your New Balance by the Payment Due Date  
shown on your statement each month. 

Balance Transfers: We will charge you interest on balance transfers from the date of posting. 

Cash  Advances:  We will charge  you interest  on Cash  Advances  from  the date  of posting. 

Minimum  Interest  Charge: Charged  interest  will be no less than  $.50. 

Fees: 

Annual  Fee: $0 

Transaction  Fees: 

Balance  Transfer:  

$0 

Cash  Advance:  
Foreign  Transaction:  

 3% of each  new Cash  Advance  (not less than  $10 per transaction) 
 3%  of each  transaction  converted  to US Dollars 

Penalty  Fees: 

Late  Payment:  
Over-the-Credit Limit:  
Returned  Payment:  

Up to $35 
$0 
Up to $35 

How  we will calculate  your balance:  We use a method  called  "average  daily  balance  (including  new purchases,  balance  transfers  and cash 
advances)".  Calculating  Average  Daily  Balance  - Purchase  Balance.  You will have  a grace  period  during  which  we will not impose  an 
interest charge  on Purchases  if you pay in full your  New  Balance  by the Payment  Due Date  shown  on the billing  statement  each  month. 
Otherwise,  we will impose  a periodic  interest  charge  on the average  daily  balance  of Purchases.  To determine  this average  daily  balance, 
we (a) start  with the previous  Purchase  balance  at the beginning  of each  new billing  cycle  and subtract  any unpaid  interest  charge  and 
unpaid  fees  which  were  included  in that balance;  (b) determine  the Purchase  balance  for each  day of the billing  cycle  by subtracting  any 
payments  and credits  applied  to the  Purchase  balance  and by adding  new Purchases;  and (c) at the end of the billing  cycle,  add these  daily 
balances  and divide  the total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for Purchases. We then 
multiply  this average  daily  balance  by the monthly  periodic  rate that applies  to Purchases  to determine  the amount  of your periodic  interest 
charge  on Purchases. 
Calculating  Average  Daily  Balance  - Cash  Advance  Balance.  There  is no grace  period  for Cash  Advances.  We will impose a periodic 
interest  charge  on the average  daily  balance  of Cash  Advances.  To determine  this average  daily  balance,  we (a) start  with the previous  Cash 
Advance  balance  at the beginning  of each  new billing  cycle  and subtract  any unpaid  interest  charge  and unpaid  fees  which  were  included  in 
that balance;  (b) determine  the Cash  Advance  balance  for each  day of the monthly  billing  cycle  by subtracting  payments  and credits  applied 
to the Cash  Advance  balance  and adding  new Cash  Advances;  and  (c) at the end of the billing  cycle,  add these  daily balances  and divide  the 
total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for Cash  Advances.  We then multiply  this average 
daily  balance  by the monthly  periodic  rate that applies  to Cash  Advances.  The result  is your periodic  interest  charge  on Cash  Advances.