PRICING INFORMATION 
FIRST TRAVEL 
AS OF 5 /12 

Variable Annual Percentage Rates (APRs) and corresponding periodic rates for Purchase and Balance Transfer balances: 

Prime* plus a margin of 8.9% (12.15%) 

Corresponding monthly periodic rates of (1.0125%) 

Variable Annual Percentage Rate (APR) and corresponding periodic rate for Cash Advance balances 

Prime* plus a margin of 8.9% (12.15%) 

Corresponding monthly periodic rate of (1.0125%) 

*APRs may increase or decrease for each new billing cycle based on changes in the U.S. Prime Rate published in the “Markets Lineup” 
section of The Wall Street Journal (“Prime”).  Each APR will equal the sum of Prime plus the applicable margin (“Margin”).  Margin means 
the percentage points added to the Prime Rate to calculate the APR.  An increase in your rates will increase your interest charges and may 
increase your minimum monthly payment.  Your rates will not exceed the maximum we are allowed to charge under applicable law. 

Penalty APR and when it applies:  None 

Paying Interest:   

Your due date is at least 24 days after the close of each billing cycle.  

Purchases and Balance Transfers – We will not charge you interest on Purchases and Balance Transfers if you pay your entire 
balance by the payment due date each month. 

Cash Advances – We will charge you interest on Cash Advances from the date of posting. 

Minimum Interest Charge:  Charged interest will be no less than $.50. 

Fees: 

Annual Fee:  $0 

Transaction Fees: 

Balance Transfer:   
Cash Advance:     
Foreign Transaction: 

$0 
3% of each new Cash Advance (not less than $10 per transaction) 
3% of each transaction converted to US Dollars 

Penalty Fees: 

Late Payment: 
Over-the-Credit Limit: 
Returned Payment: 

Up to $35 
$0 
Up to $35 

How we will calculate your balance: We use a method called "average daily balance (including new purchases, balance transfers and cash 
advances)". Calculating Average Daily Balance - Purchase Balance. You will have a grace period during which we will not impose an 
interest charge on Purchases if you pay in full your New Balance by the Payment Due Date shown on the billing statement each month. 
Otherwise, we will impose a periodic interest charge on the average daily balance of Purchases. To determine this average daily balance, 
we (a) start with the previous Purchase balance at the beginning of each new billing cycle and subtract any unpaid interest charge and 
unpaid fees which were included in that balance; (b) determine the Purchase balance for each day of the billing cycle by subtracting any 
payments and credits applied to the Purchase balance and by adding new Purchases; and (c) at the end of the billing cycle, add these daily 
balances and divide the total by the number of days in the billing cycle to determine the average daily balance for Purchases.  We then 
multiply this average daily balance by the monthly periodic rate that applies to Purchases to determine the amount of your periodic interest 
charge on Purchases. 
Calculating Average Daily Balance - Cash Advance Balance. There is no grace period for Cash Advances. We will impose a periodic 
interest charge on the average daily balance of Cash Advances. To determine this average daily balance, we (a) start with the previous 
Cash Advance balance at the beginning of each new billing cycle and subtract any unpaid interest charge and unpaid fees which were 
included in that balance; (b) determine the Cash Advance balance for each day of the monthly billing cycle by subtracting payments and 
credits applied to the Cash Advance balance and adding new Cash Advances; and (c) at the end of the billing cycle, add these daily 
balances and divide the total by the number of days in the billing cycle to determine the average daily balance for Cash Advances.  We then 
multiply this average daily balance by the monthly periodic rate that applies to Cash Advances. The result is your periodic interest charge on 
Cash Advances.