Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 16.25%
This APR will vary with the market based on the Prime Rate1. APR for Balance Transfers16.25% This APR will vary with the market based on the Prime Rate
1. APR for Cash Advances16.25% This APR will vary with the market based on the Prime Rate
1. Penalty APR and When it Applies18.0%This APR may be applied to your account if:1. Your minimum monthly payment is not made for twoconsecutive billing cycles.How long will the Penalty APR apply?  If your APRs are increased for the reason above, the Penalty APR will be applied until the billing cycle after your past due status is corrected.Paying InterestYour due date is at least 25 days after the close of each billing cycle.  We will not charge you 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 ChargeIf you are charged interest, the charge will be no less than $.50.For Credit Card Tips from the Consumer Financial Protection BureauTo 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 FeeNoneTransaction Fees
� International
Service Assessment1% of transaction amountPenalty Fees
� Late PaymentUp to $25.00
� Returned PaymentUp to $25.00Other FeesNone
1We add 11.0% to the Prime Rate to determine the Purchase, Balance Transfer and Cash Advance Rates.  As of 09/27/18, the Prime Rate was 5.25%. Your APR will not exceed the 
maximum allowed by applicable law, which is currently 18.00%.  ESL Visa� Secured Credit Card Information
See reverse side for additional information.(09/18) 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.
Security Interest
     We have or will acquire a security interest in the funds (equal to your credit limit) 
     that you deposited into the ESL Secured Credit Card Savings account, which you 
     opened at the same time as this ESL Visa Secured Credit Card account.