1  Pricing Information In effect as of 07/01/2020  
INTERESTS RATES AND 
INTEREST CHARGES  
Annual Percentage Rate (APR) For Purchases  
7.90% TO 17.90%, based on your creditworthiness.  This APR will vary with the market based on the prime rate . 
APR for Balance Transfers  9.90% TO 17.90%, based on your creditworthiness. This APR will vary with the market based on the prime rate.  
APR for Cash Advances  9.90% TO 17.90% This APR will vary with the market based on the prime rate. 
Penalty Pricing and When It 
Applies  None  
Paying Interest  Your Due Date is at l east 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  If you are charged interest, the charge will be no t less than $2.00 . 
For Credit Card Tips 
from The Bureau of Consumer Financial Protection  To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Bureau of Consumer Financial Protection at 
http://www.consumerfinance.gov/learnmore 
FEES  
Annual Fee  
$0.00 
Transaction Fees  
� Balance Transfer Fee � Cash Advance Fee  � Foreign Transaction Fee  
$0.00 Either $10.00 or 2.000% of the amount of each cash advance, whichever is greater. 2% of each foreign transaction in U.S. dollars 
Penalty Fees  
� Late Payment Fee � Over-The-Credit Limit Fee 
� Returned Payment Fee   
Up to $25.00 $0.00  Up to $25.00 
How We Will Calculate Your Balance: We use the average daily balance (including new purchases). This method is explained in the Cardholder Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Cardholder Agreement.  Minimum Payment: Your minimum payment will be 2% of your current balance or $15.00, whichever is greater, unless your balance is less than $15.00. If your balance is less than $15.00, then your minimum payment will be the amount of your statement balance. Any amount that is past due will also be added to the minimum monthly payment amount.   2   Replacement Cards, Copies and Special Services:  Statement Copy Fee: $5.00   Rush Fee: $35.00  Emergency Card Replacement Fee: Up To: $200.00   Research Fee: $25.00 per hour  VARIABLE RATE: Your variable APR may change quarterly if the Prime Rate changes. Any change to your APR will take effect on the first statement cycle after the beginning of the next quarter.  Calendar quarters begin January 1, April 1, July 1, and October 1 of each year.   We calculate variable rates by adding a percentage (also called a margin) to the Prime Rate published in the Money Rates section of The Wall Street Journal 30 days before the end of the quarter. If the Wall Street Journal stops publishing the Prime Rate, we will choose a similar reference rate based upon comparable information.   Any increase in the Prime Rate may increase your interest charges and your minimum payment. The current Prime Rate plus the percentage applicable to you is the rate reflected in your Account Opening Disclosure.