Annual  Percentage Rate (APR) for Purchases

APR for Balance  Transfers

APR for Cash Advances

Penalty  APR  and When it Applies

None

15.84%
Fixed

15.84%
Fixed

'15.84%
Fixed

9.90%
Fixed

9.99%
Fixed

'l'l.99Yo
Fixed

How to Avoid Paying lnterest

Your  due date is at least  25  days after the close  of each  billing cycle.  We  will  not  charge
you interest on retail  purchase6,  cash advances  and balance transfers  if you pay  your entire
balance by the due  date.

Minimum  lnterest  Charge

lf you are charged  interest,  the charge will  be  no  less  than $1.00

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 web site  of the Consumer  Financial  Protection  Bureau at

$10.00

None

Annual  Fee

Transaction  Fees

. Balance Transfer

. Cash  Advances

.  Foreign  Transaction

Penalty Fees

. Late Payment

Over-the-Credit  Limit

Returned  Payment

Other  Fees

None

None

None

Up to $35.00

Up to $35.00

Up to $35.00

None

Billing  Rights:  lnformation on your rights  to  dispute  transactions and hd'w  to eiercise  those rights-is  provided  in your  account agreement.