STATEMENT OF CREDIT CARD TERMS
SPEEDWAY SUPERAMERICA COMMERCIAL & CONSUMER CARDS
RETAIL INSTALLMENT CREDIT AGREEMENT
CREDIT SALE CONTRACT

Listed  below  are  the  terms  governing  the  Speedway  SuperAmerica  Commercial  Credit  Card 
Account,  and  the  Speedway  SuperAmerica  Consumer  Credit  Card  Account.  Your  credit  card 
agreement  with  Speedway  SuperAmerica  LLC  (SSA)  for  any  of  the  foregoing  credit  card 
accounts will be effective when you or an authorized user uses a card issued to you or you fail to 
cancel a card within 30 days after it is issued to you. This document, together with credit card(s) 
issued  for  your  account,  the  terms  contained  in  your  account  application,  and  sales  tickets 
evidencing use of the card, constitute your agreement with SSA.

Summary of Account Terms:

Interest Rates and Interest Charges
Annual 
Percentage 
Rate (APR) for 
Purchases

5% to 25%.  This APR varies by state.  Please refer to Section 3 for 
details.

Minimum 
Interest Charge

If you are charged interest, the charge will be no less than $0.50;  except 
in AK, AR, CT, HI, ID, KY, MD, NC, ND, NE, NH, NM, NV, OR, and RI 
where there is no Minimum Interest Charge.

Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you any interest on your account if you pay your entire 
balance by the due date each month.

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard.

How to Avoid 
Paying Interest 
on Purchases

For Credit Card 
Tips from the 
Federal Reserve 
Board

Fees

Annual Fee

None

Penalty Fees

Returned 
Payment

$0 to $25.  This fee varies by state.   Please refer to Section 8 for details.

How  We  Will  Calculate  Your  Balance: We  use  a method  called  “average  daily  balance 
(including new purchases)” in all states except MA, ME, MN, MS, MT, NE, NM and RI; we use a 
method called “average daily balance (excluding new purchases)” in MA, ME, MN, MS, MT, NE, 
NM and RI. See Section 4 for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those 
rights is provided in this Agreement.

The information about the costs of the card described above is accurate as of April 30, 2010. This 
information may have changed after that date. To find out what may have changed or to obtain a 
copy of the current terms of this Agreement, call us at 1-800-428-4016 or write to us at Speedway 
SuperAmerica LLC, Attn: Credit Customer Service, PO Box 1590, Springfield, OH 45501.

{272106.DOC 2}

SPEEDWAY SUPERAMERICA COMMERCIAL & CONSUMER CARDS
RETAIL INSTALLMENT CREDIT AGREEMENT TERMS
In this SSA Retail Installment Credit Agreement ("Agreement"), the words "you" and "your" refer 
to any person who signs the Application for this Account or this Agreement, has requested and is 
issued a SSA credit card, or is authorized to use this SSA Credit Card Account. "We", "us", and 
"our" refer to SSA.  "Account" means your SSA Credit Card Account, which will be governed by 
this Agreement. "Authorized User" means any person you permit to use your Account or who has 
apparent  authority  to  do  so.  "Card"  means  any  access  device  or  method  by  which  the  Account 
may  be  accessed,  including  the  Account  number.    “New  Balance”  means  the  New  Balance  as 
provided  on  your  periodic  statement.    “APR”  means  Annual  Percentage  Rate.    “Interest”  and 
“Interest Charges” means the periodic finance charges that are calculated pursuant to Section 4.  
“Minimum  Payment  Due”  means  the  minimum  amount  due  on  purchases  eligible  for  revolving 
terms.    Revolving  credit  is  not  available  to  government  or  commercial  accounts,  which 
must be paid in full on or before the due date shown on your periodic statement.

1.  PAYMENT REQUIREMENTS  
You agree to pay us for all purchases made on your Account by you or any person authorized by 
you. Your payment is due on or before the Payment Due Date shown on your periodic statement.  
All  payments  submitted  by  mail  should  be  made  by  check  or  money  order  with  the  account 
number  written  on  the  check  or  money  order  and  should  be  submitted  with  the  accompanying 
payment stub.  All payments submitted by mail, except for disputed payments, must be mailed to 
Speedway SuperAmerica LLC, P.O. Box 740587 Cincinnati, Ohio 45274, Springfield, OH 45501. 
Do not send cash. Payments mailed in accordance with these instructions and received by 5:00 
pm  EST  on  a  business  day  will  be  credited  to  your  Account  that  day.  Payments  not  made  in 
accordance with these instructions may delay crediting to your Account.  Delayed crediting may
cause you to incur additional fees and finance charges.  All credits for payments to your Account 
are subject to final payment by the institution on which the item of payment was drawn. Expedited 
payment methods may be subject to fees. The amount of the fee will be disclosed to you at the 
time of payment. 

2.  MINIMUM PAYMENT DUE
If you have a consumer Account with revolving credit, the Minimum Payment Due must be paid 
on  or  before  the  Payment  Due  Date  shown  on  your  periodic  statement.  Purchases  made  with 
your consumer credit card, except those included in the Minimum Payment Due, are eligible for 
revolving credit terms. Any unpaid revolving balance will be subject to Interest Charges.  You are 
required to pay for revolving purchases in accordance with the following schedule:

Revolving 
Balance

$.01 to 20

over $20 to 100

Minimum Payment Due

Consumer Account

Payable in Full

$20

over $100

20% of your account balance plus all amounts in excess of your credit limit

The Minimum Payment Due shall include:

•  the revolving balance minimum payment as calculated above
•  unpaid Minimum Payment Due from your previous statement
•  returned payment fees
•  interest charges

3. YOUR ANNUAL PERCENTAGE RATE
If Interest Charges are assessed during a billing cycle, we will use the following APR and 
corresponding monthly periodic rate:

{272106.DOC 2}

If you reside in the state of:

Arkansas
Connecticut, Maryland, Texas, 
Washington, West Virginia
Kansas
Minnesota, Pennsylvania
Alabama, Florida, Hawaii, 
Louisiana, Maine, 
Massachusetts, Nebraska, 
North Carolina, Ohio, Rhode 
Island, South Carolina
Iowa
Alaska, Arizona, California, 
Colorado, Delaware, Georgia, 
Idaho, Illinois, Indiana, 
Kentucky, Mississippi, Missouri, 
Montana, Nevada, New 
Hampshire, New Jersey, New 
Mexico, New York, North 
Dakota, Oklahoma, Oregon, 
South Dakota, Tennessee, 
Utah, Vermont, Virginia, 
Wisconsin, Wyoming
Michigan

We apply the monthly 
periodic rate of:
.42%

1.0%

1.17%
1.25%

1.5%

1.59%

1.75%

2.09%

Annual Percentage Rate

5%

12%

14%
15%

18%

19%

21%

25%

4.  INTEREST CHARGE CALCULATION

If we have not received payment in full of the New Balance by the Payment Due Date shown on 
your  periodic  statement,  we  may  assess  an  Interest  Charge  applied  to  the  Average  Daily 
Balance.  We  determine  the  Interest  Charge  on  your  Account  by  applying  the  periodic  rate 
applicable to your state of residence as determined by your billing address to the Average Daily 
Balance  of  your  Account.  For  an  explanation  of  the  calculation  method  used  to  determine  the 
Interest  Charge  on  your  periodic  statement,  please  call  us  toll  free  at  our  customer  service 
number 1-800-428-4016. 

1.  To  get  the  Average  Daily  Balance  we  take  the  beginning  balance  of  your  Account  each  day, 
add  any  new  purchases  (new  purchases  are  not  included  in  computing  the  Average  Daily 
Balance in the states of MA, ME, MN, MS, MT, NE, NM and RI), unpaid returned payment fees, 
and  previously  assessed  unpaid  Interest  Charges  and  subtract  any  payments  or  credits.  This 
gives us the daily balance. Then, we add all the daily balances for the billing cycle together and 
divide by the total number of days in the billing cycle. This gives us the Average Daily Balance.

2. If Interest Charges are imposed and the total Interest that results from application of the above 
calculation  is less than $0.50, we will impose a Minimum Interest Charge of no less than $0.50 
(which is a FINANCE CHARGE); except in AK, AR, CT, HI, ID, KY, MD, NC, ND, NE, NH, NM, 
NV, OR, and RI where there is no Minimum Interest Charge.

5.  HOW TO AVOID PAYING INTEREST ON PURCHASES
To avoid Interest Charges, payment of the New Balance must be received by the Payment Due 
Date  shown  on  your  periodic  statement.  Your  Payment  Due  Date  is  at  least  25  days  after  the 
close of each billing cycle. We will not charge you any Interest on your Account if you pay your 
entire balance by the Payment Due Date each month.  You may at any time pay your total unpaid 
balance.

{272106.DOC 2}

6.  OBTAINING CREDIT INFORMATION
SSA  may  investigate  your  credit  history  and  obtain  a  consumer credit  report  from  a  consumer 
credit  reporting  agency  in  connection  with  your  credit  application  or  any  subsequent  update, 
renewal,  or  extension  of  credit.  Upon  your  request,  you  will  be  informed  whether  or  not  SSA 
obtained such a report and if so the name and address of the agency that furnished the report. 
You agree that SSA may furnish information about your Account to the credit bureau and others 
who, in SSA’s discretion, may receive such information.

7.  DEFAULT, COLLECTION COSTS, REPRINT FEES
If  your  Account  is  not  paid  according  to  terms,  we  reserve  the  right  to  demand  immediate 
payment  of  the  full  amount  outstanding  on  your  Account,  subject  to  applicable  law.  If  your 
Account  is  referred  to  an  attorney  or  collection  agency,  you  agree  to  pay,  in  addition  to  the  full 
amount  owed,  reasonable  attorney’s  fees,  court  costs,  or  collector’s  fees,  as  allowed  by 
applicable state law.

We reserve the right to assess a reprint fee of up to $5 for administrative costs, for each reprint of 
statements and other documents, and for each ticket copy requested. Our failure or delay at any 
time to exercise any of our legal rights shall not be deemed a waiver of those rights or of the right 
to exercise its legal rights thereafter.

8.  RETURNED PAYMENT FEES
Where permissible by law, SSA may impose a returned payment fee if any check used to pay an 
amount you owe is not honored, as follows:

If you reside in the state of:
DC, MD, PA, RI, WY
NE
AZ, CT,  MA, OK 
CA, HI, ID, KY, LA, MO, MS, ND, OH, TX, 
UT, WA, WI, WV 
AR, CO, GA, IA, IN, MN, NJ, NY, SC, TN
AK, AL, DE, FL, IL, KS, ME, MI, MT, NC, NH, 
NM, NV, OR, SD, VA, VT

Returned Payment Fee
None
$5
$10
$15

$20
$25

9.  LIABILITY FOR UNAUTHORIZED CREDIT CARD USE
Commercial Accounts – You may be liable for unauthorized use of your Card(s). If your Account 
is used primarily for business or commercial purposes and you have requested ten (10) or more 
Cards, you will be liable for any and all unauthorized use of your Cards. For all other accounts, 
you may be liable for unauthorized use of your Card(s). You will not be liable for unauthorized use 
that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. 
Should you request and receive fewer than 10 cards, your liability will not exceed $50.00 or the 
lesser amount established by applicable state or federal law. Consumer Accounts – If you notice 
the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us 
immediately  at:  Speedway  SuperAmerica  LLC,  Attn:  Credit  Customer  Service,  PO  Box  1590, 
Springfield, OH 45501 or call us at 1-800-428-4016. You will not be liable for any unauthorized use 
that occurs after you notify us. You may however, be liable for unauthorized use that occurs before 
you provide notice to us. In any case, your liability will not exceed $50.

10.  CANCELLING OR SUSPENDING CREDIT
We can cancel or suspend your Account at any time in accordance with applicable laws.

11.  CHANGING AND CANCELLING THIS AGREEMENT
SSA can change the terms of this Agreement at any time by giving you notice of the changes at 
your billing address or as otherwise allowed by law. Retention or authorized use of your Card on 
or after the effective date of the change will establish your agreement to the new terms. If you do 
not agree to the change, you may cancel this Agreement. You may cancel this Agreement at any 

{272106.DOC 2}

time by notifying SSA, returning all cards issued for your Account and paying your existing debt 
owed under the terms of this Agreement.
To  terminate  credit  availability  under  your  Account,  write:  Speedway  SuperAmerica  LLC,  Attn: 
Credit Customer Service, PO Box 1590, Springfield, OH 45501 or call us at 1-800-428-4016 upon 
receipt of this Agreement.

12.  USURY AND SEVERABILITY
Usury  Savings  – If  a  court  of  competent  jurisdiction  shall  make  a  final  determination  that  any 
charge  imposed  pursuant  to  this  Agreement  violates  usury  or  other  similar  credit  laws  of  any 
state,  the  charges  payable  hereunder  shall  be  accordingly  adjusted  for  the  purpose  of  avoiding 
any such usurious payment without any further action of the parties hereto.
Severability  – If  any  term,  provision,  or  section  of  this  Agreement  is  held  invalid  or 
unenforceable,  under  any  statute  or  court  decision,  or  any  governmental  rule  or  regulation,  the 
remainder of the Agreement shall remain effective.

13.  SPEEDY REWARDS

SSA  reserves  the  right  to  deplete  any  unredeemed  Speedy  Rewards  points  in  your  Speedy 
Rewards  Account  if  your  SSA  Consumer  or  Commercial  Account  is  more  than  30  days 
delinquent.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act.

What To Do If You Find A Mistake On Your Statement

If  you  think  there  is  an  error  on  your  statement,  write  to  us  at:  Speedway  SuperAmerica  LLC, 
Attn: Credit Customer Service, PO Box 1590, Springfield, OH 45501
In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is 
wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want 

to stop payment on the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing.  You  may  call  us,  but  if  you  do  we  are  not 
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received your letter. 
We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to 
you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on 

•

that amount.
The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount.

{272106.DOC 2}

• While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question, 
along with applicable interest and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you as delinquent if you do not 
pay the amount we think you owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  write  to  us  within  10 
days telling  us  that  you  still  refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone to 
whom we reported you as delinquent, and we must let those organizations know when the matter 
has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:

1.

2.
3.

The purchase must have been made in your home state or within 100 miles of your 
current  mailing  address,  and  the  purchase  price  must  have  been  more  than  $50. 
(Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an 
advertisement we mailed to you, or if we own the company that sold you the goods or 
services.)
You must have used your credit card for the purchase.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  purchase,  contact  us  in 
writing at:  Speedway  SuperAmerica  LLC,  Attn:  Credit  Customer  Service,  PO  Box  1590, 
Springfield, OH 45501.
While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent. 

NOTICE TO CARDHOLDER
California Residents - You have the right to prohibit SSA from disclosing to marketers of goods 
marketing  information  concerning  you  which  discloses  your  identity.  To  exercise  this  right,  you 
may call SSA at 1-800-428-4016. Delaware Residents - Service charges not in excess of those 
permitted  by  law  will  be  charged  on  the  outstanding  balances  from  month  to  month.  Illinois 
Residents - No applicant may be denied a credit card on account of race, religion, national origin, 
ancestry, age (between 40 and 70), sex, marital status, physical or mental handicap unrelated to 
the ability to pay or unfavorable discharge from military service. The applicant may request the 
reason for rejection of his or her application for a credit card. No person need reapply for a credit 
card solely because of a change in marital status unless the change has caused a deterioration in 
the person’s financial position. A person may hold a credit card in any name permitted by law that 
he  or  she  regularly  uses  or  is  known  by,  so  long  as  no  fraud  is  intended  thereby.  Indiana 
Residents - The amount charged for any delinquency is subject to change as allowed by IC 24-
4.5-1-106.  Maryland  Residents  - Finance  charges  will  be  made  in  amounts  or  at  rates  not  in 
excess  of  those  permitted  by  law.  Massachusetts  Residents  - You  may  cancel  a  purchase 
under this agreement if it has been signed by a party thereto at a place other than the address of 
the seller which may be his main office or branch thereof; provided you notify the seller in writing 
at his main office or branch, by ordinary mail posted by telegram sent or by delivery, not later than 
midnight of the third business day following a purchase under this agreement. Ohio Residents -
The Ohio laws against discrimination require that all creditors make credit equally available to all 

{272106.DOC 2}

creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  histories  on  each 
individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 
Texas  Residents  - To  contact  SSA  about  this  account  call  1-800-428-4016.  This  contract  is 
subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 
2601 North Lamar Boulevard, Austin, TX 78705-4207. Phone 512-936-7600 or 1-800-538-1579. 
Contact  the  Commissioner  relative  to  any  inquiries  or  complaints.  Wisconsin  Residents  - No 
provision of a marital property agreement, unilateral statement or court decree adversely affects 
the interest of SSA unless SSA, prior to the time credit is granted, is furnished with a copy of the 
agreement,  statement  or  decree  or  has  actual  knowledge  of  the  adverse  provision  when  the 
obligation to the creditor is incurred.

Washington Residents - You may cancel any purchases made under this charge agreement if 
the seller or his representative solicited in person such purchase, and you sign an agreement for 
such  purchase,  at  a  place  other  than  the  seller’s  business  address  shown  on  the  charge 
agreement,  by  sending  notice  of  such  cancellation  by  certified  registered  mail  return  receipt 
requested  to  the  seller  at  his  address  shown  on  the  charge  agreement,  which  notice  shall  be 
posted  not  later  than  midnight  of  the  third  day  (excluding  Sundays and  holidays)  following  your 
signing  of  the  purchase  agreement.  If  you  choose  to  cancel  this  purchase,  you  must  return  or 
make  available  to  seller  at  the  place  of  delivery  any  merchandise,  in  its  original  condition, 
received by you under this purchase agreement. 

NOTICE - ANY CARDHOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO 
ALL  CLAIMS  AND  DEFENSES  WHICH  THE  DEBTOR  COULD  ASSERT  AGAINST  THE 
SELLER  OF  GOODS  OR  SERVICES  OBTAINED  PURSUANT  HERETO  OR  WITH  THE 
PROCEEDS  HEREOF.  RECOVERY  HEREUNDER  BY  THE  DEBTOR  SHALL  NOT  EXCEED 
AMOUNTS PAID BY THE DEBTOR HEREUNDER.

This agreement is governed by the laws of the state of Ohio and applicable federal law. The Card 
is issued only upon approval of the Account, all of which have occurred at SSA’s office in Ohio.

ANY  COMMUNICATION  CONCERNING  DISPUTED  DEBTS,  INCLUDING,  BUT  NOT  LIMITED 
TO,  AN  INSTRUMENT  TENDERED  AS  FULL  SATISFACTION  OF  A  DEBT,  INQUIRIES  ABOUT 
THE  STATUS  OF  YOUR  ACCOUNT  AND  QUESTIONS  ABOUT  YOUR  STATEMENT,  ARE  TO  BE 
SENT TO THE ADDRESS LISTED BELOW. 

SPEEDWAY SUPERAMERICA LLC
ATTN: CREDIT CUSTOMER SERVICE
P.O. BOX 1590
SPRINGFIELD, OH 45501
(800) 428-4016
ssacreditcard@ssallc.com

{272106.DOC 2}

PRICING INFORMATION ADDENDUM
SPEEDWAY SUPERAMERICA LLC
CONSUMER CREDIT AGREEMENT

5% to 25%.  This APR varies by state.   Please see below for 
details.

Annual 
Percentage Rate 
(APR) for 
Purchases

Minimum 
Interest Charge

If you are charged interest, the charge will be no less than $0.50; 
except in AK, AR, CT, HI, ID, KY, MD, NC, ND, NE, NH, NM, 
NV, OR, and RI where there is no Minimum Interest Charge.

How to Avoid 
Paying Interest 
on Purchases

Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you any interest on your account if you 
pay your entire balance by the due date each month.

Annual Fee

None

Returned 
Payment

$0 to $25.  This fee varies by state.   Please see below for details.

Balance Computation Method

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new purchases)” in all states except MA, ME, MN, MS, MT, NE, NM and RI; 
we use a method called “average daily balance (excluding new purchases)” in MA, ME, 
MN, MS, MT, NE, NM and RI. See below for more details. 

If we have not received  payment in full of the New Balance by the Payment Due Date 
shown  on  your  periodic  statement,  we  may  assess  an  Interest  Charge  applied  to  the 
Average Daily Balance. We determine the Interest Charge on your Account by applying 
the  periodic  rate  applicable  to  your  state  of  residence  as  determined  by  your  billing 
address  to  the  Average  Daily  Balance  of  your  Account.  For  an  explanation  of  the 
calculation  method  used  to  determine  the  Interest  Charge  on  your  periodic  statement, 
please call us toll free at our customer service number 1-800-428-4016. 

1. To get the Average Daily Balance we take the beginning balance of your Account each 
day, add any new purchases (new purchases are not included in computing the Average 
Daily Balance in the states of MA, ME, MN, MS, MT, NE, NM and RI), unpaid returned 
payment fees, and previously assessed unpaid Interest Charges and subtract any payments 
or  credits.  This  gives  us  the  daily  balance.  Then,  we  add  all  the  daily  balances  for  the 
billing  cycle  together  and  divide  by  the  total  number  of  days  in  the  billing cycle.  This 
gives us the Average Daily Balance.

{272106.DOC 2}

2. If Interest Charges are imposed and the total Interest that results from application of 
the above calculation is less than $0.50, we will impose a Minimum Interest Charge of no 
less than $0.50 (which is a FINANCE CHARGE); except in AK, AR, CT, HI, ID, KY, 
MD, NC, ND, NE, NH, NM, NV, OR, and RI where there is no Minimum Interest 
Charge.

Rates and Fees which vary by State

Rates: 
If Interest Charges are assessed during a billing cycle, we will use the following APR and 
corresponding monthly periodic rate:

If you reside in the state of:

Arkansas
Connecticut, Maryland, 
Texas, Washington, West 
Virginia
Kansas
Minnesota, Pennsylvania
Alabama, Florida, Hawaii, 
Louisiana, Maine, 
Massachusetts, Nebraska, 
North Carolina, Ohio, Rhode 
Island, South Carolina
Iowa
Alaska, Arizona, California, 
Colorado, Delaware, 
Georgia, Idaho, Illinois, 
Indiana, Kentucky, 
Mississippi, Missouri, 
Montana, Nevada, New 
Hampshire, New Jersey, 
New Mexico, New York, 
North Dakota, Oklahoma, 
Oregon, South Dakota, 
Tennessee, Utah, Vermont, 
Virginia, Wisconsin, 
Wyoming
Michigan

We apply the monthly 
periodic rate of:
.42%

1.0%

1.17%
1.25%

1.5%

1.59%

Annual Percentage Rate

5%

12%

14%
15%

18%

19%

1.75%

21%

2.09%

25%

RETURNED PAYMENT FEES
Where permissible by law, SSA may impose a returned payment fee if any check used to pay an 
amount you owe is not honored, as follows:

If you reside in the state of:
DC, MD, PA, RI, WY
NE

Returned Payment Fee
None
$5

{272106.DOC 2}

AZ, CT,  MA, OK 
CA, HI, ID, KY, LA, MO, MS, ND, OH, TX, UT, 
WA, WI, WV 
AR, CO, GA, IA, IN, MN, NJ, NY, SC, TN
AK, AL, DE, FL, IL, KS, ME, MI, MT, NC, NH, 
NM, NV, OR, SD, VA, VT

$10
$15

$20
$25

{272106.DOC 2}