Addendum to Cardholder Agreement

This Addendum to Cardholder Agreement (the “Addendum”) sets forth some of the specific terms and conditions of your Account with us.  (Certain other specific terms and 
conditions are set forth on the Card Carrier accompanying your Card.)

This Addendum is hereby incorporated into and made a part of the Cardholder Agreement between you and us relating to your Account, and the term “Agreement” as used 
in the Cardholder Agreement means both the Cardholder Agreement and this Addendum as well as the Card Carrier.  Capitalized terms used in this Addendum have the same 
meanings given to those terms in the Cardholder Agreement.

This Addendum is effective immediately.  This Addendum may be amended (that is, new terms may be added and existing terms may be changed or deleted) in the same 
manner as the Cardholder Agreement.

Please keep this Addendum (and any Notice of Change in Terms that you receive) with your copy of the Cardholder Agreement and your Card Carrier.

Minimum Payment dollar amount: ..........................................................................................................................................................................................$35

Annual Fee: ...............................................................................................................................................................................................................................$0

Monthly Participation Fee: ..................................................................................................................................................................$4.99 ($59.88 annualized)

(Your Monthly Participation Fee will be waived the first 12 months your Account is open)

F03-L182-7 10/2010

PLEASE SEE THE REVERSE SIDE FOR ADDITIONAL PRICING INFORMATION

 
Late Payment Fee: .................................................................................................................. $25, but $35 if you did not make at least the Minimum Payment 
                                                                                                                                                  by the Closing Date in each of the 6 prior Billing Cycles.

Returned Payment Fee:........................................................................................................... $25, but $35 if you had a returned payment in any of the 6 prior 
                                                                                                                                                  Billing Cycles.

Reinstatement Fee: ..................................................................................................................................................................................................................$20

Introductory Monthly Periodic Rate for Purchases and Cash Advances:................................................................................................................................ 0%
(Corresponding ANNUAL PERCENTAGE RATE): .................................................................................................................................................. 0%

Regular Monthly Periodic Rate for Purchases and Cash Advances: .............................................................................................................................. 1.6583%
(Corresponding ANNUAL PERCENTAGE RATE): ............................................................................................................................................. 19.9%

PLEASE SEE THE REVERSE SIDE FOR ADDITIONAL PRICING INFORMATION