INTEREST
RATE
AND
INTEREST
CHARGES
Annual
Percentage
Rate(APR)
for
Purchases
4.75%
Variable-
Rate
determined
by
adding
1.50%
to
the
Prime
Rate.
This
APR
will
vary
with
the
market
based
on
the
Prime
Rate.
APR
for
Cash
Advances
4.75%
Variable-
Rate
determined
by
adding
1.50%
to
the
Prime
Rate.
This
APR
will
vary
with
the
market
based
on
the
Prime
Rate.
How
to
avoid
paying
interest
on
purchases
Your
due
date
is
at
least
25
days
after
close
of
each
billing
cycle.
We
will
not
charge
you
interest
on
purchases,
cash
advances
and
balance
transfers
if
you
pay
entire
balance
by
the
due
date.
Minimum
Interest
Charge
N
/A
For
Credit
Card
Tips
from
the
Consumer
Financial
Protection
Bureau
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
FEES
Annual
Fees
N/A
Transaction
Fees
�
Balance
Transfer
Up
to
$10.00
�
Cash
Advance
Up
to
$10.00
�
Foreign
Fees
N/A
�
Other
Phone
payment
penalty
$6.00
Penalty
Fees
�
Late
Payment
Up
to
$30.00
�
Over-
the-
Credit-
Line
N/A
�
Returned
Payment
Up
to
$30.00
How
We
Will
Calculate
Your
Balance:
We
use
a
method
called
�average
daily
balance�.
See
your
account
agreement
for
further
information
regarding
how
we
calculate
your
balance.
Billing
Rights:
Information
on
your
rights
to
dispute
transactions
and
how
to
exercise
those
rights
is
provided
in
your
account
agreement.
Loss
of
Introductory
APR:
N/A
How
We
Will
Calculate
Your
Variable
APRs:
We
calculate
variable
APRs
by
adding
a
margin
to
the
highest
U.S.
Prime
Rate
published
in
the
Money
Rates
section
of
The
Wall
Street
Journal
two
business
days
(not
weekends
or
federal
holidays)
before
the
closing
date
shown
on
your
billing
statement.
The
APR
may
increase
or
decrease
each
month
if
the
Prime
Rate
changes.
Any
new
rate
will
be
applied
as
of
the
first
day
of
your
billing
cycle
during
which
the
Prime
Rate
has
changed.
If
the
APR
increases,
you
will
pay
a
higher
interest
charge
and
may
pay
a
higher
minimum
payment.
The
Prime
Rate
is
simply
a
reference
index
and
is
not
the
lowest
interest
rate
available.
If
The
Wall
Street
Journal
stops
publishing
the
Prime
Rate,
we
will
select
a
similar
reference
rate.
Prime
Rate:
Variable
APRs
are
based
on
the
3.25%
Prime
Rate
as
of
Apr
30,2009