Credit Disclosures:
| Annual Percentage Rate (APR) for Purchases | Preferred Pricing:1 12.49% for Elite Pricing, or 17.49% for Premuim Pricing, or 20.49% for Standard Pricing. |
| Other APRs | Preferred Pricing:1 - Balance Transfers: For Elite Pricing and Premium Pricing, fixed 0% introductory rate for 9 months from account opening.1 Thereafter, 12.49% for Elite Pricing, or 17.49% for Premium Pricing. Cash Advances: 20.49% for Elite Pricing and Premium Pricing, or 23.99% for Standard Pricing. Non-Preferred Pricing - Purchases, Balance Transfers and Cash Advances: Up to 26.49%. |
| Variable Rate Information | Your APR may vary. Preferred Pricing1 - Purchases and Balance Transfers: For all purchases from account opening, and for both outstanding and new balance transfers after 9 months for accounts with Elite Pricing, the rate is determined monthly by adding 7.99% (or 12.99% or accounts with Premium Pricing) to the Prime Rate.2 For all purchases from account opening for accounts with Standard Pricing, the rate is determined monthly by adding 15.99% to the Prime Rate.2 Cash Advances: The rate is determined monthly by adding 15.99% to the Prime Rate (not less than 19.99% for accounts with Elite and Premium Pricing, or not less than 23.99% for accounts with Standard Pricing).2 Non-Preferred Pricing - Purchases, Balance Transfers and Cash Advances: The rate is determined monthly and is up to the Prime Rate plus 21.99%.2 |
| Grace Period for Repayment of the Balance for Purchases | Not less than 20 days |
| Method of Computing the Balance for Purchases | Average Daily Balance (including new purchases) |
| Annual Fee | None |
| Minimum Finance Charge for Purchases | $0.50 (if a finance charge is imposed) |
| Transaction Fee for Purchases in a Foreign Currency | For Foreign Currency Transactions, 2% of the converted transaction amount. |