CARDMEMBER AGREEMENT RATES AND FEES TABLE
INTEREST RATES AND INTEREST CHARGES

Purchase Annual
Percentage Rate (APR)

13.49% to 23.49%. This APR will vary with the market based on the Prime Rate.a
Introductory APRs with varying durations may be available on some accounts.

Balance Transfer APR

Cash Advance APR

Overdraft Advance APR

Paying Interest

13.49% to 23.49%. This APR will vary with the market based on the Prime Rate.a
Introductory APRs with varying durations may be available on some accounts.
19.49% to 25.24%. This APR will vary with the market based on the Prime Rate.b
13.99% to 25.24%. APRs may be non-variable, or may vary with the market based on the Prime Rate.c
Your due date will be a minimum of 21 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, cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge

None

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://www.consumerfinance.gov/learnmore.

FEES

Annual Membership Fee
Transaction Fees

None to $99.

Balance Transfers
Cash Advances
Foreign Transactions

3% to 5% of the amount of each transfer (minimum fee $5).
3% to 5% of the amount of each transaction (minimum fee $10).
None to 3% of each transaction in U.S. dollars.

Penalty Fees

Late Payment
Over-the-Credit-Limit
Return Payment
Return Check

Up to $37.
None
Up to $37.
None

Note: This account may not be eligible for balance transfers.
How We Will Calculate Your Balance: We use the daily balance method (including new transactions). See Interest Charges section in this Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full
details.
Penalty Fees: A single violation of each type will not exceed $27. However, if another violation of the same type occurs within six monthly billing periods we will charge up to
the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.
Minimum Payment: We will calculate the minimum payment as the larger of: 1) $25 (or total amount you owe if less than $25); or 2) the sum of 1% of the new balance, the
periodic interest charges, and late fees we have billed you on the statement for which your minimum payment is calculated.
Prime Rate: Variable APRs are based on the 3.5% Prime Rate as of March 31, 2016.
a We add 9.99% to 19.99% to the Prime Rate to determine the Purchase/Balance Transfer APR (daily periodic rate currently 0.03696% to 0.06436%). Maximum APR 29.99%
(daily periodic rate 0.08217%).
b We add 15.99% to 21.74% to the Prime Rate to determine the Cash Advance APR (daily periodic rate currently 0.05340% to 0.06915%). Maximum APR 29.99% (daily
periodic rate 0.08217%).
c Overdraft Advance APRs may be non-variable, or may be variable. For variable APRs, we add 15.99% to 21.74% to the Prime Rate to determine the APR. For all APRs in this
category, the corresponding daily periodic rate is currently 0.03833% to 0.06915%. Maximum APR 29.99% (daily periodic rate 0.08217%).

COL00050

WELCOME TO

YOUR CARDMEMBER AGREEMENT

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WELCOME TO YOUR ACCOUNT.
Review and save the following important information about your account. This document together with the Rates and Fees Table is an agreement between you, the cardmember, and Chase Bank USA, N.A., a  
subsidiary of JPMorgan Chase & Co. If you have any questions, please call us using the number on the back of your card. Chase has agreed to lend you money as described in this agreement, and you agree to 
pay us back together with interest charges and fees. Your use of the account or any payment on the account indicates your acceptance of the terms of this agreement. If any fee in the Rates and Fees Table is 
marked none, the section of this agreement that relates to that fee does not apply. 

1

GETTING STARTED: YOUR ACCOUNT 
Get acquainted with your account by reviewing the important terms below.

IMPORTANT TERM WHAT IT MEANS TO YOU

OUR RESPONSIBILITY

Credit Limit

You  are  responsible  for  the  total  balance  at  all  times,  even  if  your  balance  exceeds  your 
credit limit.

We will post your current credit limit on your monthly billing statement, and may 
cancel,  change  or  restrict  it  or  your  credit  availability  at  any  time.  We  are  not 
obligated to allow your account to go over its credit limit.

Authorized Users

You are responsible for any use of your account by an authorized user or anyone else that you 
permit to use your account. You must notify us if you want them to stop using your account. 
You  also  are  responsible  for  getting  any  cards,  checks  or  other  means  of  accessing  your 
account from the authorized user.

If you request, we may issue cards that access your account to your authorized 
users. If you wish to terminate an authorized user, we may close your account and 
open a new account with a different account number.

Annual  
Membership Fee

If your account has an annual fee, you are responsible for it every year your account is open or 
until your account is closed and paid in full. Your monthly billing statement will tell you how to 
cancel your account and avoid future annual fees.

If your account has an annual fee, we will add your annual fee to your monthly 
billing statement once a year, whether or not you use your account. Your annual 
fee will be added to your purchase balance and may incur interest.

Amendments

We may change the terms of this agreement including APRs and fees from time to time. 
We may also add new terms or delete terms. APRs or other terms may also change 
without amendment, for example when the Prime Rate changes. See the Variable Rate 
section for details.

Our ability to make changes to this agreement is limited by applicable law. 

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TERM

WHAT IT MEANS

IMPORTANT DEFINITIONS

Cash-like 
Transactions

The following transactions will be treated as cash advances: purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions; purchasing 
lottery tickets, casino gaming chips, race track wagers or similar betting transactions; and making a payment using a third party service.

Payment Due 
Date

Payments are due on the payment due date shown on your monthly statement. The monthly statement also explains when the payment must reach us in order to be considered 
received as of that date. Payments received after the required time will be credited on the next business day.

Variable Rate

We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or 
federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as 
of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The 
Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Default

Your account will be in default if:
1) You do not pay at least the minimum payment when due; 2) You exceed your credit limit; 3) You fail to comply with this or other agreements with us or one of our related banks; or 4) 
We believe you may be unwilling or unable to pay your debts on time; you file for bankruptcy; or you become incapacitated or die.
If your account is in default, we may close it without notice and require you to pay your unpaid balance immediately. We can also begin collection activities. To the extent permitted by 
law, if you are in default because you have failed to pay us, we will require you to pay our collection costs, attorneys’ fees, court costs, and all other expenses of enforcing our rights 
under this agreement.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

2

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3

USING YOUR CARD 
You can use your account in the following ways. Your account is to be used only for personal, family or household purposes.  
You cannot use your account for illegal purposes, such as Internet gambling and writing checks against uncollected funds.

TRANSACTIONS

WHAT IT MEANS TO YOU

OUR RESPONSIBILITY 

Purchases

You may use your account to buy goods and services.

We authorize charges to your account in accordance with the terms of this agreement.

Balance 
Transfers

Cash 
Advances

Checks

If eligible for a balance transfer, you can transfer balances to your account 
by using balance transfer checks, visiting our website or calling us.

We permit balance transfers from most non-Chase accounts. We do not permit balance transfers from 
other accounts or loans with us or any of our related banks. 

You may obtain cash from automatic teller machines, at banks or by using 
cash advance checks. Unless we say otherwise, balance transfer checks 
or promotional checks made payable to cash or yourself will be treated as 
cash advances.

We treat certain other transactions as cash advances. See the Cash-like Transactions section under 
Important Definitions above. 

For  your  protection,  balance  transfer  and  cash  advance  checks  must  be 
signed by the person whose name is printed on the checks. 

We may provide balance transfer checks and cash advance checks for your use; we have the right not 
to pay a check for any reason. 

Overdraft Advances

You may set up this account to cover overdrafts on your checking account. 

We allow Chase credit card accounts to be linked to a checking account with one of our related banks. 
The terms of this agreement and your checking account agreement will apply.

Automatic Charges

You may set up scheduled and repeat transactions to your account. If your 
account is closed or suspended, or your account number changes, you will 
need to contact any persons that you are paying by automatic transactions.

We are not responsible for scheduled and repeat transactions if your account is closed, suspended 
or the account number changes.

Promotions

You may receive special offers related to your account.

Any special offer is subject to this agreement, unless explained otherwise.

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Foreign Transaction 
Fee and Exchange 
Rate

There is a fee, unless “None” is stated in the Rates and Fees Table, for 
transactions that are made in a currency other than U.S. Dollars. Our fee 
is a percentage of the U.S. Dollar amount of the transaction. Please see 
the Rates and Fees Table for the amount of this fee, if any.

•  If a transaction is in a foreign currency, Visa International or MasterCard International will convert 
the transaction into U.S. dollars using their own currency conversion procedures, and then will send 
us the transaction amount. The exchange rate will be determined using either the range of rates 
available in the wholesale currency markets for the processing date (which may be different from 
the rate the card association receives) or a government-mandated rate in effect on that date. The 
exchange rate used by Visa or MasterCard may differ from the rate on the date of your transaction.
•  In the case of returned or exchanged merchandise that was purchased in a foreign currency, the 

exchange rate is determined on the date of the return.

Authorization of 
Transactions / Closing 
Your Account

We are not obligated to honor every transaction, and we may close or 
suspend your account. Sometimes we close accounts based not on 
your actions or inactions, but on our business needs.

We may decline transactions for any reason, including: operational matters, the account is in default, 
or suspected fraudulent or unlawful activity. We are not responsible for any losses associated with a 
declined transaction.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

4

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5

PAYING US BACK 
You will receive a billing statement, if one is required, each month. It will show your minimum required payment.
After you make a payment, it may take up to 15 days to restore available credit on your account.

IMPORTANT 
INFORMATION

WHAT IT MEANS TO YOU

OUR RESPONSIBILITY

Payment 
Instructions

Minimum 
Payment

Interest-Free 
Period (also 
called Grace 
Period) on 
Purchases

You must follow the payment instructions on your billing statement. You can pay us by: 
check, money order, or electronic payment drawn on a U.S. bank or a foreign bank branch 
in the U.S. All payments must be in U.S. Dollars. You authorize us to collect any payment 
check either electronically or by draft. Payments marked “paid in full” must be sent to the 
Conditional Payments address shown on your billing statement. See your billing statement 
for complete payment instructions.

You agree to pay at least the minimum payment when due. You also agree to pay overlimit 
amounts when billed to your monthly statements or sooner if we ask. Minimum payments 
may include specific fixed payments that are part of special promotions. You can pay down 
balances faster by paying more than the minimum payment or the total unpaid balance on 
your account.

As  long  as  you  make  your  payment  in  accordance  with  the  instructions  on  your  billing 
statement by the date and time payments are due, we will credit your payment as of the 
same day it is received. We may accept and process any payments marked as “paid in full” 
without losing our rights.

We will calculate your minimum payment based on the method described below the Rates 
and Fees Table. The minimum payment will appear on your monthly statement and includes 
any past due amounts.

•  The interest-free period is the time when you are not charged interest on new purchases.
•  Your account is in an interest-free period when you pay your New Balance as shown on 
your statement every month by the due date and time. During this period, you will not 
pay interest on purchases.

•  We do not charge interest on any part of the purchase balance that you pay while your 

account is in an interest-free period.

•  We charge interest on purchases from the date the transactions appear on your account 

(until the balance is paid in full) when your account is not in an interest-free period. 

•  Balance  Transfers,  Checks,  Cash  Advances  and  Overdraft  Advances  do  not  have  an 

•  For more details about how we calculate your interest charges, see the Interest Charges 

interest-free period.

section of this agreement.

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•  When  you  make  a  payment,  generally,  we  first  apply  your  minimum  payment  to  the 

balance on your monthly statement with the lowest APR.

Payment 
Allocation

•  Any  payment  above  your  minimum  payment  would  generally  then  be  applied  to  the 

balance on your monthly statement with the highest APR first.

•  If you do not pay your balance in full each month, you may not be able to avoid interest 

charges on new purchases.

Credit Balances

You may request a refund of any credit balance.

We apply payments to balances appearing on your monthly statement before being applied 
to new transactions. An example of a new transaction is a recent purchase you made that 
has not yet been included in the New Balance as shown on your statement.

If you do not request a refund, we will apply any credit balance to new charges on your 
Account. If a credit balance remains on your account for 6 months and the amount is $1 or 
more, we will automatically refund it to you. If your credit balance is less than $1, it will be 
removed from your account but we will send the credit balance to you if you ask us to do so.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

6

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“HOW TO AVOID...” 
Certain transactions and situations may cause your account to receive a fee or have another impact on your account. The information below explains how you can avoid these outcomes. Amounts of these fees 
are listed in the Rates and Fees Table. The Rates and Fees Table indicates amounts “up to” certain limits for penalty fees because applicable law may restrict our ability to impose the full amount of the penalty 
fee in some circumstances. See the “Penalty Fees” provision below the Rates and Fees Table for additional detail reflecting limitations imposed under applicable law. Special services you request may incur 
additional service fees; be sure to carefully review the details of any additional services to understand the terms.

7

“HOW TO AVOID...” WHAT TO DO

Late Fee

Ensure Chase receives at least the minimum payment shown 
on your billing statement when due.

Over-the-Credit-
Limit Fee

Ensure your total balance stays below your credit limit.

Return Check Fee

Do not stop payment on cash advance and balance transfer 
checks, and do not default.

WHAT IT MEANS
If any payment is late, we may charge you a late fee. If the fee is based on a balance, we calculate the fee using the 
total balance at the end of the day the fee is charged.

If you agree to allow us to charge overlimit fees, we may charge such a fee when your account balance goes over limit. 
We may charge this fee even though your balance is over limit because of a transaction we allowed. You may withdraw 
your consent to our charging overlimit fees at any time.

We may charge a return check fee if we stop payment on a cash advance check or balance transfer check at your 
request, or we refuse to pay a cash advance check or balance transfer check for any reason, including because your 
account is in default.

Return Payment Fee

Do not submit a payment that could be returned unpaid.

We may charge this fee if the payment you offer to us is not honored, is returned unpaid, or cannot be processed.

Collections

Do not default.

If you are in default, we may take the actions described above in the Default section under Important Definitions above.

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“WHAT HAPPENS IF...?” 
Review this section for common situations or questions that might require action from you or Chase. 

“WHAT HAPPENS IF…?”

ACTION

WHAT IT MEANS

… I think I found a mistake on 
my statement?

… I’m dissatisfied with a credit 
card purchase?

We will investigate

Write to us or contact us on our Website within 60 days after the suspected error appears on your billing statement. We will investigate 
and contact you with our findings. Please see the Your Billing Rights section below for more details.

We will research the problem

First, attempt to resolve the problem with the merchant. Then write to us or contact us on our Website about the purchase. We will 
research the problem and contact you with our findings. Please see the Your Billing Rights section below for more details.

… my card is lost or stolen?

Contact us immediately and 
stop using your account

If your card is lost or stolen, or you think someone used your account without permission, tell us immediately by calling the Cardmember 
Services number on your card or billing statement. We need your help to find out what happened and correct the problem.

... my account is closed or 
suspended? 

You remain responsible for  
your balance

...I want to transfer a balance 
or make a cash advance? 

Balance transfer or cash 
advance transaction fees apply

Even if your account is closed or suspended, you must still repay all amounts you owe under the account.

You will incur a transaction fee for these transactions. See the Rates and Fees Table for the amount of this fee.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

8

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ABOUT OUR RELATIONSHIP
Maintaining a positive relationship with you is very important to us. Please review these terms to understand more about your account.

9

IMPORTANT INFORMATION WHAT IT MEANS

Communications

We may send cards, statements and other communications to you at any mailing or email address in our records. If more than one person is responsible for this account, 
we can provide billing statements and communications to one of you. When you give us your mobile phone number, we have your permission to contact you at that number 
about all your Chase or J.P. Morgan accounts. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology 
for informational and account service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service your accounts. 
Message and data rates may apply. You may contact us anytime to change these preferences. We may also send an email to any address where we reasonably believe we 
can contact you. Some of the legal purposes for calls and messages include: suspected fraud or identity theft; obtaining information; transactions on or servicing of your 
account; collecting on your account; and providing you information about products and services. Notify us immediately of any changes to your contact information using the 
Cardmember Services address or phone number shown on your billing statement.

Telephone Monitoring

We may listen to and record your telephone calls with us.

Credit Information

We may obtain and review your credit history from credit reporting agencies and others. We may also provide information about you and your account to credit reporting 
agencies and others. We may provide information to credit reporting agencies about this account in the name of an authorized user. If you think we provided incorrect 
information, write to us and we will investigate.

Enforcement

We may enforce the terms of this agreement at any time. We may delay enforcement without losing our right to enforce this agreement at a later time. If any terms of this 
agreement are found to be unenforceable, we may still enforce the other terms.

Governing Law

This agreement and your account will be governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use this account.

Assignment

We may assign your account, balances you owe, or any of our rights and obligations under this agreement. The third party is then entitled to any of our rights that we assign 
to them.

NJ Residents

All provisions of this agreement are valid, enforceable and applicable in New Jersey.

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CFB00353.indd

Last Saved: 10-15-2015 11:45 AM   ::   Workstation: C02KG09FDNMN   ::   By: Chambers, Catherine L

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Daily Interest Rates and Annual Percentage Rates may be found on the Rates and Fees Table.

Periodic Interest Charge Calculation—Daily balance method (Including new transactions):
We calculate a daily balance for each type of transaction and use the daily balances to determine your interest charges.

We figure the “daily balance” for each transaction type as follows:

•  We take the beginning balance for each day and add 

INTEREST CHARGES

-  any interest charge from the prior day (known as compounding of interest) and 
-  any new transactions or other debits (including Annual Membership Fees, transaction fees, Penalty Fees, any other fees and unpaid interest charges).

•  We subtract payments or credits, and treat any net credit balance as a zero balance.
•  The result is the daily balance for each type of transaction.

We figure the interest charges on your account as follows:

•  To get the daily interest rate for each type of transaction we divide the APR by 365. We may combine different transaction types that have the same daily interest rates.
•  We multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle.
•  We add together the interest charges for each day in the billing cycle for each transaction type.
•  If any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table.

We add transactions and fees to your daily balance no earlier than:

•  For new purchases, balance transfers, overdraft advances or cash advances – the date of the transaction.
•  For new cash advance checks or balance transfer checks – the date the payee deposits the check.
•  Fees – either on the date of a related transaction, the date they are posted to your account, or the last day of the billing cycle, whichever we may choose.

The Balances Subject to Interest Rate for each type of transaction shown on your billing statement is the sum of the daily balances for that type of transaction divided by the number of days in the billing cycle. 
We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest charges and related amounts.

10

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

CFB00353.indd   11

CFB00353.indd

Last Saved: 10-15-2015 11:45 AM   ::   Workstation: C02KG09FDNMN   ::   By: Chambers, Catherine L

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Cell: None 

WR #: 110128 

Partner: Chase  

Program ID: 99999974 

RPC: None 

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YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

11

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, contact us in writing at the Customer Service address or electronically at the website address as shown on your billing statement. In your communication, give us 
the following information:

•  Account information: Your name and account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Written or Electronic Communication

When we receive your communication, we must do two things:

1.  Within 30 days of receiving your communication, we must tell you that we received it. We will also tell you if we have already corrected the error.
2.  Within 90 days of receiving your communication, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

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CFB00353.indd

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•   If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is 

due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must contact us in writing or electronically within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled 
between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. To use this right, all of the following must be true:

1.   The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if 

your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Customer Service address or electronically at the website address shown on your billing statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent.

Copyright ©2015 JPMorgan Chase & Co. All rights reserved.

Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

12

CFB00353.indd   13

CFB00353.indd

Last Saved: 10-15-2015 11:45 AM   ::   Workstation: C02KG09FDNMN   ::   By: Chambers, Catherine L

10/15/15   11:46 AM

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Program ID: 99999974 

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CFB00353.indd

Last Saved: 10-15-2015 11:45 AM   ::   Workstation: C02KG09FDNMN   ::   By: Chambers, Catherine L

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Segment: Fulfillment 

Campaign: CFB CMA Booklet 

Cell: None 

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RPC: None 

Creative Format ID: CF20005 

Component Spec ID: BRC-S18487 

Mail Date: None

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Getting Started

Using Your Card

Paying Us Back

What Happens If...?

Additional Information

CFB00353.indd   15

CFB00353.indd

Last Saved: 10-15-2015 11:45 AM   ::   Workstation: C02KG09FDNMN   ::   By: Chambers, Catherine L

10/15/15   11:46 AM

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CFB00353.indd   16

CFB00353.indd

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CFB00353

10/15/15   11:46 AM

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