49B 

Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

17.99% up to 26.99% 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $2.00. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Transaction Fees 

None 

•  Equal Payment Plan 

3% of the amount of each transaction, $5 minimum  

Penalty Fees 

•  Late Payment 

•  Returned Payment 

Up to $35 

Up to $35 

Details About Your Interest Rates and   
Interest Calculations 

Daily Periodic Rate 

Purchases   

0.04928% up to 0.07394% 

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing cycle.  We then add up all the daily interest charges and the total is the interest charge for 
the billing cycle.