Pricing Addendum 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

28.99% 
The APR will vary with the market based on the 
Prime Rate. 

How to Avoid Paying 
Interest on Purchases 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Your due date is at least 24 days after the close of each billing 
cycle. We will not charge you any interest on purchases if you 
pay your entire balance due 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 Consumer 
Financial Protection Bureau at  
http://www.consumerfinance.gov/learnmore. 

Fees 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

Up to $35 
Up to $25 
These fees may vary by state. See your Agreement for the fee 
applicable to your Account. 

How We Will Calculate Your Balance:  We use a method called ‘average daily balance (including 
new purchases).’ See your Account Agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights 
is provided in your Account Agreement.