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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.^a

APR for Balance Transfers

12.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.^a

APR for Cash Advances

19.24% or, if your purchase APR is 22.99%, then 23.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.^b

APR for Overdraft Advances

19.24% or, if your purchase APR is 22.99%, then 23.24% (not available in some states), based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.^b

Penalty APR and When It Applies

29.99%. This APR will vary with the market based on the Prime Rate.^c

The Penalty APR will apply to your Account if you:

• fail to make any Minimum Payment by the date and time due (late payment);
• exceed your credit line;
• make a payment to us that is returned unpaid; or
• do any of the above on another account or loan you have with us or any of our related companies.

How Long Will the Penalty APR Apply: If an APR is increased for any of these reasons, the Penalty APR will apply indefinitely to future transactions. If we do not receive any Minimum Payment within 60 days of the date and time due, the Penalty APR will apply to all outstanding balances and future transactions on your Account; but if we receive six consecutive Minimum Payments when due, beginning immediately after the increase, the Penalty APR will stop being applied to transactions that occurred prior to or within 14 days after we provided you notice about the APR increase.

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you periodic interest on any portion of new purchases billed to a statement that we allocate such payment to, so long as your current statement shows that we received payment of the entire balance for your previous statement by the time the Minimum Payment was due. You may not be able to avoid interest on new purchases if you have another balance at a higher interest rate, unless you pay your balance in full each month, because we generally allocate payments to higher rate balances first. We will begin charging interest on balance transfers, cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge

If you are charged periodic interest, the charge will be no less than $1.50.

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 http://www.federalreserve.gov/creditcard.

Fees

Annual Membership Fee

None

Transaction fees

Balance Transfers

Either $10.00 or 5% of the amount of each transfer, whichever is greater.

Cash Advances

Either $10.00 or 5% of the amount of each transaction, whichever is greater.

Foreign Transactions

3% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Up to $35.00.

Over-the-Credit-Limit

Up to $35.00.

Return Payment

Up to $35.00.

Return Check

Up to $35.00.