Pricing Supplement to the
Cardmember Agreement

The information provided below in this Pricing Supplement, along with the Cardmember Agreement(s) and the
Addendum to the Cardmember Agreement (as applicable) reflects certain account pricing and terms that were
available to certain applicants that applied for and were approved for certain credit card accounts on the last
business day of the calendar quarter that ended on 06/30/2019.  These account terms may not be available after that
date.

These documents are being provided to you for informational purposes only.  If you apply and are approved for a
credit card account with us, your actual account terms will be based on the terms of the offer available at the time
that you applied, what you are approved for and your actual Cardmember Agreement will be the agreement sent to
you when your account is first opened.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR)  Purchases

16.24% to 28.99%  APR.   This APR will vary with the market based on the Prime

Rate.

APR for Balance Transfers

16.24%  to 28.99% APR.   This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

24.49% to 29.49% APR.   This APR will vary with the market based on the Prime Rate.

Paying Interest

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 balance transfers, checks and cash advances on the
transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50

For Credit Card Tips from
the Consumer Financial
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://consumerfinance.gov/learnmore

Fees

Annual Fee

$0 to $995

Transaction Fees:

Balance Transfer

Either $5 or $10 or 3% of the amount of each transfer, whichever is greater. We may from
time to time offer you lower Transaction Fees on Balance Transfers and Checks.

Cash  Advance

Either $10 or 5%  of the amount of each cash advance, whichever is greater

Foreign Transaction

0% - 3% of each transaction in U.S. dollars.

Penalty Fees:

Late Payment

Up to $39 depending upon the state that you live in at the time of account opening.

Returned Payment

Up to $39 depending upon the state that you live in at the time of account opening.

Additional Check Related
Fees

Check Stop Payment
Fee

Up to $39.95 depending upon the state that you live in at the time of account opening.

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Returned Check Fee

Up to $39 depending upon the state that you live in at the time of account opening.

How We Will Calculate Your Balance:
We use a method called "daily balance (including new purchases)". If you are a resident of Iowa at the time the account is
opened, we use a method called "average daily balance (including new purchases)". See Addendum to the Cardmember
Agreement for more details.

The Prime Rate was 5.50% as of the last business day of the quarter that ended 06/30/2019.

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