Interest Rates and Interest Charges
Annual Percentage 
Rate (APR) for 
Purchases0.00%  Introductory APR for 12 billing cycles following the 
account open date.
After that, between 13.25%  - 17.99%  based on 
your creditworthiness.  This APR will vary with the market 
based on the Prime Rate1.
APR for 
Balance Transfers0.00% Introductory APR for 12 billing cycles following the 
account open date.
After that, between 13.25% - 17.99%  based on your 
creditworthiness.  This APR will vary with the market based 
on the Prime Rate1.
APR for 
Cash Advances17.90%
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 two  
         consecutive 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 Interest 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.
We will begin charging interest on cash advances 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.ESL Rewards Visa Signature� Credit Card Information
 (09/18)
See reverse side for additional information. How we will calculate your balance
     We use a method called �average daily balance (including new purchases).�  See your  
     account agreement for more details.
Loss of Introductory APR
     We may end your Introductory APR and apply the Penalty APR if your minimum 
     monthly payment is not made for two consecutive billing cycles.
Billing Rights
     Information on your rights to dispute transactions and how to exercise those rights is 
     provided in your account agreement.Fees
Annual Fee None
Transaction Fees
� International  
 Service  Assessment1% of transaction amount
Penalty Fees
� Late Payment
� Returned PaymentUp to $25.00
Up to $25.00
Other Fees None
1: We add 8.00% - 14.24% to the Prime Rate to determine the Purchase and Balance Transfer 
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%.