53N 

Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

27.49% 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

27.49% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

29.40% 

This APR will vary with the market based on the Prime Rate. 

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. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Transaction Fees 

None 

  Cash Advance 

Either $5 or 5% of the amount of each cash advance, whichever is greater. 

  Foreign Purchase 
Transaction 

Penalty Fees 

3% of each purchase transaction in US dollars. 

  Late Payment 

Up to $39 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Details About Your Interest Rates and   
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Balance Transfers 

Cash Advances 

0.07531% 

0.07531% 

0.08054% 

21.99% 

21.99% 

23.90% 

APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For each billing cycle we use the Prime Rate published in 
The Wall Street Journal two business days before the Statement Closing Date.   If the Prime Rate changes any APR, 
we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR.  We apply the 
new APR to any existing balances, subject to any promotional rate that may apply.  If The Wall Street Journal does 
not publish the Prime Rate, we will use a similar published rate. 

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

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.