INTEREST RATES AND INTEREST CHARGES INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for the first six billing cycles from date of account opening. After that, your APR will be 10.50%. This APR will vary with the market based on the Prime Rate.       APR for Balance Transfers 0.00% introductory APR for the first six billing cycles from date of account opening. After that, your APR will be 10.50%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 15.50%, This APR will vary with the market based on the Prime Rate.   Penalty APR and When it Applies 17.50% This APR may be applied to your account if you: 1) Make your payment 60 days late or 2) Aretumed 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, Annual Percentage Rate (APR) | for Purchases 17.90%, This APR will vary with the marke! based on the Prime Rate.     | APR for Balance Transfers 17.30%, This APR will vary with the market based on the Prime Rate. | APR for Cash Advances 17.90%, This APR will vary with the market based on the Prime Rate.   _ | Penalty APR and When it Applies 17.90% This APR may be applied to your account if you: 1) Make your payment 60 days late or. 2) Arelumed payment causes your account to become 60 days late. i iu lg a dt ee eee ee et 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 conseculive minimum paymenis when due beginning with the statement cycle immediately following the event that triggered the Penalty APR, provided you do not exceed your credit limit duming thal time pened.   Paying Interest Your due date Is al 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.     Paying Interest Your due date is atleast 25 days after the close of gach billing cycle. We will not charge you interest on purchases and balance transfers If you pay your entire balance by the due date cach month and your previous balance is zero ora credit balance. We will begin charging interest on cash advances and convenience checks on the date they ane posted to your account,     Minimum Interest Charge. None Minimum Interest Charge None           To learn more-about factors to consider when applying for or-using a credit                       How We Will Calculate Your Balance: VWe use a method called “average adjusted daily balance (including new purchases)." See your account agreement for more details, Other Fees: Rush Card: $20; Stop Payment: $15 for Convenience Checks or Balance Transfers. Loss of Introductory APR: We may end your introductory/promotional APR and 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 account agreement.       For Credit Card Tips from To learn more about factors to consider when applying for or using a credit For Credit Card Tips from ! ; rents : the Consumer Financiad card, visit the website of the Consumer Financial Protection Bureau at: the Consumer Financial card, visit the website of the Consumer Financial Protection Bureau at: Protection Bureau http:/iwvew,.consumerfinance.gow/learmore. Protection Bureau hitp/iwww.consumerfinance.qoviearmmore. Annual Fee None Annual Fee Nore Transaction Fees Transaction Fees * Balance Transfer None + Balance Transfer None * Cash Advance None * Cash Advance None * Foreign Transactions 2% of the transaction in U.S. dollars + Foreign Transactions None Penalty Fees 7 i Penalty Fees * Late Payment Up to $26 imposed 15 days after the due date. P pa Payment Up to $25 imposed 15 days afier the due date. * Retumed Payment u i y pto $20 * Retumed Payment       Up to $20.   How We Will Calculate Your Balance: We use 4 method called ‘average adjusted daily balance (including new purchases).” See your account agreement for more details, Other Fees: Rush Card: $20; Card Replacement: $5; Step Payment: $15 for Convenience Checks or Balance Transfers, Penalty APR: Ve may apply the Penalty APR if your payment fs 60 days late. Billing Rights: Information on your nights to dispute transactions and how to exercise these nghts is provided in your account agreement.