Pricing Information Table
Interest Rates and Interest Charges
Annual Percentage Rate 
(A P R) for Purchases25.24%
This A P R will vary with the market based on the Prime Rate.
A P R for Balance Transfers 25.24%
This A P R will vary with the market based on the Prime Rate.
A P R for Cash Advances 27.15%
This A P R 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 None
Transaction Fees
� Balance Transfer
� Cash Advance
� Foreign Purchase 
TransactionEither $10 or 5% of the amount of each transfer, whichever is greater
Either $5 or 5% of the amount of each cash advance, whichever is greater. 
3% of each purchase transaction in US dollars.
Penalty Fees
� Late Payment Up to $40 Details About Your Interest Rates  
and Interest CalculationsDaily Periodic RateFor variable rates:  
U.S. Prime Rate Plus
Purchases 0.06915% 21.99%
Balance Transfers 0.06915% 21.99%
Cash Advances 0.07438% 23.90%
A P Rs Based on Prime.  If any A  P R is based on the U.S. Prime Rate (�Prime Rate�), the A  P R will equal the Prime Rate 
plus the additional amount shown above. If the Prime Rate increases, it will cause the A  P R to increase. If the Prime 
Rate decreases, it will cause the A  P R 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 A  P R, we put the 
new A  P R into effect as of the first day of the billing cycle for which we calculate the A  P R. We apply the new A  P R 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 A P R Increases.  If an A  P R 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.
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