ACCOUNT OPENING DISCLOSURES �MERRICK UNSECURED  
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  20.20 % to 30.45 % when you open your account, based on 
creditworthiness. Your  APR will vary with the market based on the Prime 
Rate.* 
APR for Cash Advances  25.20% to 35.45% when you open your account, based on creditworthiness. 
Your  APR will vary with the market based on the Prime Rate. * 
Paying Interest  Your Payment Due Date is at least 25 days after the close of each Billing 
Cycl e. 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.  
Minimum Interest Charge  If you are charged interest, the cha rge 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 website of the  Consumer Financial Protection 
Bureau  at http://www.consumerfinance.gov/learnmore . 
 
Fees  
Set-up and Maintenance Fees  
 
 
 
 
 
 
 
 
� Annual Fee  
� Account Set -up Fee  
� Additional Card Fee  NOTICE:  Some of these set -up and maintenance fees will be assesse d 
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 responsib le 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.  
Transaction Fees  
   � Cash Advance  
   �Foreign Transaction   
Either $10 or 4% of the amount advanced, whichever is greater.  
2% of each transaction in U.S. Dollars.  
Penalty Fees  
   � Late Payment  
  �  Over Limit  
  �  Returned Payment   
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  
Cardhold er Agreement.  
Annual Percentage Rates: Daily Periodic Rate for Purchases .05534 % to .08342%; Daily Periodic Rate for Cash Advances . 06904% to 
.09712%. 
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 i n 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 public ation).  
Minimum Payment:  All past -due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of 
the following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Retu rned Payment 
Fees, and Interest Charges billed 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) $35. If the New Balance is less than $35, the Minimum Payme nt will be the total 
amount owed .    
Rev 6/01/2022mp35