ACCOUNT OPENING DISCLOSURES—MERRICK UNSECURED 
Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

Paying Interest  

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 

Set-up and Maintenance Fees 

· Annual Fee 
· Account Set-up Fee  
· Additional Card Fee 

Transaction Fees 
   · Cash Advance 
   ·Foreign Transaction  

Penalty Fees 
   · Late Payment 
  ·  Over Limit 
  ·  Returned Payment 

19.45% to 29.70% when you open your account, based on 
creditworthiness. Your APR will vary with the market based on the Prime 
Rate.* 
24.45% to 34.70% when you open your account, based on creditworthiness. 
Your APR will vary with the market based on the Prime Rate.* 
Your Payment Due Date is at least 25 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay your 
entire New Balance by the Payment Due Date each month.  We will begin 
charging interest on Cash Advances on the transaction date.  
If you are charged interest, the charge will be no less than $1.00 
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. 

NOTICE:  Some of these set-up and maintenance fees will be assessed 
before you begin using your card and will reduce the amount of credit you 
initially have available. For example, if your minimum credit limit is $300, 
your initial available credit limit will be only about $228 (based on a one-
time $0 set-up fee and a $72 annual fee) or about $216 if you also choose to 
have an additional card. 

You may still reject this plan, provided that you have not yet used the 
account or paid a fee after receiving a billing statement.  If you do reject the 
plan, you are not responsible for any fees or charges. 

$0 to $72 the first year.  Billed $0 to $6 per month thereafter. 
$0 to $75  (one-time fee) 
$0 to $12 per additional card issued, per year. Billed $0 to $1 per month, per 
card thereafter. 

Either $10 or 4% of the amount advanced, whichever is greater.  
2% of each transaction in U.S. Dollars. 

Up to $40 
$0 
Up to $40 

How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)."   
See your Cardholder Agreement for more details. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your  
Cardholder Agreement. 
Annual Percentage Rates: Daily Periodic Rate for Purchases .05328% to .08136%; Daily Periodic Rate for Cash Advances .06698% 
 to .09506%. 
Variable Rate Information:  Purchase Margin 16.20 to 26.45 percentage points; Cash Advance Margin 21.20 to 31.45 percentage 
points.  Your APR for Purchases and Cash Advances may vary. Your APR is determined monthly by adding the appropriate margin to the 
Prime Rate*. If the Prime Rate* increases, your APR will increase accordingly, with no cap.  An increase in your APR will result in an 
increase of your minimum payment amount. 
*"Prime Rate" means the prime rate of interest published on the last business day of each month in The Wall Street Journal  
(or a comparable rate if The Wall Street Journal ceases publication).  
Minimum Payment: All past-due amounts, plus the greater of the following amounts: (i) 1% of your New Balance plus billed Late Fees, 
Cash Advance Transaction Fees, Over Limit Fees, Returned Payment Fees, Interest Charges, any Annual Fee billed monthly, and any 
Additional Card Fee billed monthly during the Billing Cycle for which the Minimum Payment is calculated, as shown on that periodic 
statement, rounded to the next-higher dollar; or (ii) $40. If the New Balance is less than $40, the Minimum Payment will be the total 
amount owed.   

Rev 12/01/2021 mp40