4C 

Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

0% up to 28.99% 

Some APRs may vary with the market based on the Prime Rate. 

APR for Cash Advances 

0% up to 28.99% 

Some APRs may vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

Up to 28.99%, based on your creditworthiness.  This APR will vary with the market 
based on the Prime Rate. 

This APR may be applied to your account if you: 

(1)  Make a late payment or 

(2)  Make a payment that is returned. 

How Long Will the Penalty APR Apply?  If your APRs are increased for either of 
these reasons, we will lower the Penalty APR if you make 6 consecutive minimum 
payments on time and do not do either (1) or (2) above on any account you have 
with us during that time period. 

Paying Interest 

Your due date is at least 23 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 cents. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

$0 up to $50 

Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

•  Foreign Purchase 
Transaction 

Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee 
$75).   

Either $5 or 3% of the amount of each cash advance, whichever is greater. 

3% of each purchase transaction in US dollars.  

Penalty Fees 

•  Late Payment 

•  Returned Payment 

Up to $35. 

Up to $35. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4C 

Details About Your Interest Rates and 
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Cash Advances 

Penalty APR 

0 % up to 0.07942% 

0% up to 23.99% 

0 % up to 0.07942% 

0% up to 23.99% 

Up to 0.07942% 

Up to 23.99% 

Variable APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the 
Prime Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  
If the Prime Rate decreases, it will cause the APR to decrease.  For each billing period we use the Prime Rate 
published in The Wall Street Journal two business days before the Statement Closing Date.  If the Prime Rate causes 
an APR to change, we put the new APR into effect as of the first day of the billing period for which we calculate the 
APR.  We apply the new APR to any existing balances, subject to any promotional rate that may apply.  If The Wall 
Street Journal does not publish the Prime Rate, we will use a similar published rate.   

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing period.  We then add up all the daily interest charges and the total is the interest charge 
for the billing period.