Interest Rates and Charges 

INITIAL ANNUAL PERCENTAGE RATE (APR) 
FOR PURCASE TRANSACTIONS 
INITIAL ANNUAL PERCENTAGE RATE (APR) 
FOR CASH TRANSACTIONS 
INITIAL ANNUAL PERCENTAGE RATE (APR) 
FOR BALANCE TRANSFERS 
How to Avoid Paying Interest 

Paying Interest 

Delinquency 

Billing Error Rights 

<<Rate from Loan Worksheet>>% APR* 

<<Rate from Loan Worksheet>>% APR* 

<<Rate from Loan Worksheet>>% APR*  unless eligible for lower promotional rate Balance 
Transfer 
You have a 25-day grace period in which to repay your balance for purchase transactions 
before a FINANCE CHARGE will be imposed. 
Finance charges accrue on cash advances, balance transfers, and convenience checks from 
the transaction date until they are paid in full. 
You will be in default if your account becomes more than two months past due. On the first day 
of the month following notice of default, your APR will be increased to 18.00%. Upon default, if 
six consecutive payments are made on time, the default rate will be removed and previous 
APR will resume.  
For information about your right to dispute transactions, please refer to section 16 of the 
Account Agreement 
To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at www.federalreserve.gov/creditcard. 
Average Daily Balance Method 

For Credit Card Tips from the Federal Reserve 
Board 
Method of Computing the Balance 
*Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal. When you have an APR 
that varies with changes to the Prime Rate, we calculate your APR by adding a percentage (a “margin”) to the Prime Rate. The margin will 
change semi-annually based on your credit score. Scores will be obtained in January (for April interest rate changes), and July (for October 
rate changes) by Equifax P.O. Box 740241 Atlanta, GA 30374-0241. The rate table shows which rates, if any, are variable rates. 

Fees 

Annual Membership Fee 
Cash Advance Fee 
Balance Transfer Fee 
Late Payment Fee 
Returned Payment Fee 

NONE 
NONE 
NONE 
$30.00 fee assessed for payments more than 10 days late. 
$10.00 fee assessed for returned payments. 

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   Primary Applicant 

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   Co-Applicant