INTEREST  RATES AND  INTEREST  CHARGES 

7.50%, 

This APR will  vary  with the  market  based on the  Prime  Rate. 

APR  for  Balance  Tran 

7.50%, 

This APR will  vary  with the  market  based on the  Prime  Rate. 

12.50%, 

This APR will  vary  with the  market  based on the  Prime  Rate. 

Penalty  APR and  When  1t Appl ies 

17.90% 

This  APR  may  be applied  to  your  account  if you: 

1)  Make  your  payment  60 days  late or: 
2)  A returned  payment  causes  your account  to become  60 days  late. 

How long  will  the  penalty  APR  Apply?:  If your  APR  is increased  for either  of 
these reasons,  the  Penalty  APR  will  apply  until  you  make  6 consecutive  minimum 
payments when  due  beginning  with  the statement  cycle  immediately  following  the 
event that  triggered  the  Penalty  APR,  provided  you  do  not exceed  your credit  limit 
during that  time  period. 

Your due date  is at least 25 days  after  the  close of each  billing  cycle. We will  not 
charge you  interest  on purchases  and balance  transfers  if you  pay your entire 
balance  by the  due date  each  month  and your  previous  balance  is zero or a credit 
balance. We will  begin  charging  interest  on cash  advances  and  convenience  checks 
on the  date  they  are posted to  your  account. 

Paying  Interest 

Minimum  Interest  Charge 

None 

For Credit  Card  Tips  from 
the  Consumer  Financi'-h 
' I j 
Protection  Bureau 

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. 

Transaction  Fees 

•  Balance Transfer r;:f7 

•  cash  Advance 

\  _ ,, . 
1 

•  Foreign  Transactions 

Penalty  Fees 

•  Late Payment 

None 

None 
2% of the transaction  in U.S. dollars 

Up to $25  imposed  15 days  after  the  due date . 

•  Returned  Payment 

Up to $20. 

ow We Will  Calculate  Your  Balance:  We  use a method  called  "average  adjusted daily  balance  (including  new 

purchases)." See your account  agreement  for  more  details. 

3J Other  Fees:  Rush Card: $20; Stop  Payment:  $15 for  Convenience  Checks  or Balance  Transfers. 

Penalty  APR:  We  may apply the  Penalty APR  if your  payment  is 60 days  late. 

Billing  Rights:  Information  on your rights to dispute  transactions  and how to  exercise  these  rights  is provided  in your 

...t., 

nt agreement. 

.