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INTEREST			
Annual Percentage Rate (APR) for Purchases and Cash Advances		15 % • This APR will vary' with the market based on the Prime Rate as published in the Wall Street Journal..	
Paying Interest		Your due date is at least 25 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		None	
For Credit Card Tips from the Consumer Financial Protection Bureau Annual Fee		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	
		1 MAb	ONSEt « Bl S 3 gC
		$35.00 will be charged to your account upon activation and annually thereafter. Your available balance on your credit card line will be reduced by this fee, until your payment is credited to the account. For example, if you are assigned the minimum credit line $2,500, your initial available credit line will be reduced to $2,465.	
Transaction Fees • Cash Advance • Foreign Transaction		Either $3.00 or 2% of the amount of each cash advance, whichever is greater (maximum fee: $50) 1% conversion or processing fee for all transactions performed in foreign countries.	
Penalty Fees •	Late Payment •	Returned Check •	Overlimit		$6.80 late fee will be imposed if we do not receive the minimum required payment listed on your current statement within 10 days after the next statement's closing date. $25.00 None	
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).
*Ihe information about the costs of the cards described herein is accurate as of July 1,2012.. Titis information may have changed after that date. To find out what may have changed, call us at (843) 529-5963 or (800) 768-3248 if calling long distance, or write to us at P.O. Box 118068, Charleston, SC 29423.
(jj First Federal
You’re First:’
EQUAL HOUSWG
LENDER
www.firstfederal.com
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