Interest Rate and Interest Charges
Annual Percentage Rate(APR) for Purchases 12.24% Variable

Paying Interest

For Credit Card Tips from the Federal
Reserve Board

Fees
Annual Fees

Transaction Fees
• Cash Advance

• Foreign Transaction
Penalty Fees
• Late Payment

Your annual percentage rate may vary.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases if you pay your entire balance by the due date each month. The
Interest Charge on cash advances begins from the date you obtained the cash advance.
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

$199.00 will be charged to your account upon activation and annually thereafter. Your
available balance on your credit card line will be reduced by this fee, until your payment is
credited to the account. For example, if you are assigned the minimum credit line of $5,000
your initial available credit line will be reduced to $4,801.

Either $3.00 or 2% of the amount of each cash advance, whichever is greater (maximum fee:
$50.00)
All transactions in foreign countries will be subject to a 1% conversion or processing fee.

A late fee of $6.80 will be imposed if we do not receive the minimum required payment listed
on your current statement within 10 days after the next statement's closing date.
$25.00
None

• Returned Check
• Overlimit
How will we calculate your balance?: Average daily balance including new purchases
Other: This APR will vary with the market based on the Prime Rate, 3.25% as of December 1, 2010,plus a margin of 8.99%. Your rate will not
exceed 18.0%.