| Interest Rates and Charges |
| Annual Percentage Rate (APR) for Purchase Transactions | Prime + 7.00% to Prime + 16.75% APR Platinum Low Rate*
Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back *
Prime + 9.25% to Prime + 16.75% APR
Signature Visa*
22.99% APR Shared Secured
18.00% APR Youth Visa |
| Annual Percentage Rate (APR) for Cash Transactions | Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back *
Prime + 12.25% to Prime + 19.75% APR Signature Visa*
22.99% APR Shared Secured
18.00% APR Youth Visa |
| Annual Percentage Rate (APR) for Balance Transfers | Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Unless eligible for lower rate when available
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back*
Unless eligible for lower rate when available
Prime + 12.25% to Prime + 19.75% APR Signature Visa*
Unless eligible for lower rate when available
22.99% APR Share Secured
18.00% APR Youth Visa |
| How to Avoid Paying Interest | You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed. |
| Paying Interest | Finance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full. |
| Delinquency | 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 22.99%. Upon default, if six consecutive payments are made on time, the
default rate will be removed and previous APR will resume. |
| Billing Error Rights | For information about your right to dispute transactions, please refer to section 16 of the Account Agreement. |
| For Credit Card Tips from the Federal Reserve Board | 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. |
| Method of Computing the Balance | Average Daily Balance Method. |
| Fees |
| Annual Membership Fee | NONE |
| Cash Advance Fee | 3% of each cash advance ($5.00 Minimum). |
| Balance Transfer Fee | 3% of each balance transfer ($5.00 Minimum). |
| Late Payment Fee | $25.00 fee may be assessed for payments made later than the due date. |
| Returned Payment Fee | $20.00 fee assessed for returned payments. |
| Foreign Transaction Fee | 2% of transaction (made in/merchants located in foreign country) |