Pricing Addendum  

Interest  Rates  and  Interest  Charges 
Annual Percentage Rate 
(APR) for Purchase 

Prime rate plus 21.74%, 17.74% or 13.74% 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 
and Cash Advances 
Paying Interest 

Minimum  Interest  Charge 

Prime rate plus 22.74%. 
This APR will vary with the market based on the Prime Rate. 
Your  due date  is at least  23 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. 
If  you are charged  interest,  the  charge  will  be no less  than  $2.00  per credit  plan. 

Fees 

•  Annual  Fee 

None 

Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
•  Convenience Check 
•  Foreign Transaction 

Penalty  Fees 
•  Late Payment 
•  Returned Payment 

Balance Computation 
Method 

The greater of $10 or 3% of the amount of the balance transfer. 
The greater of $10 or 3% of the amount of the cash advance. 
The greater of $10 or 3% of the amount of the convenience check. 
3% of each transaction in U.S. dollars. 

Up to $35 
Up to $35 

We  use a method  called "daily  balance  (including  new purchases)."