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Mandatory Disclosure


Annual Percentage Rate (APR) for purchases (including balance transfers) A 0% fixed APR for the first six (6) billing cycles following the opening of your account.
After that, 11.24% variable.+

Other APRs

Cash Advance APR: 19.99% variable.

Late Payment APR: Late once during introductory period: 11.24% variable on purchases. Late twice in any six-month period: 19.99% fixed on all balances.

Variable rate information All APRs other than the introductory APR and the 19.99% late payment APR vary monthly. They equal the Prime Rate* plus 6.99% for purchases if your payment is late during the introductory period or after the introductory period; 15.74% for cash advances, but not less than 10.74% and 19.49% respectively.
Grace period for repayment of purchase balances At least 20 days, but none for balance transfers or convenience checks. 
Method of computing the balance for purchases Average daily balance method (including new purchases).
Annual fee None
Minimum finance charge  $1.00
Transaction fee for certain purchases Purchase of wire transfers or money orders; purchase of foreign currency and travelers checks from other than a bank; and use of convenience checks: 3% of the amount of each purchase or check, but not less than $5.00 nor more than $50.00.
Transaction fee for balance transfers 3% of the amount of each balance transfer, but not less than $5.00 nor more than $35.00.
Transaction fees for cash advances ATM cash advances: 3% of the amount of the advance, but not less than $10.00. All other cash advances: 3% of the amount of the advance, but not less than $15.00.
Late Payment fee: $15.00 on balances up to $150, $29.00 on balances of $150 up to $1200, and $35.00 on balances of $1200 and over. However, if you already have made one or more late payments in the prior 12 month period, $35.00 regardless of the amount of your balance.

Over-the-Credit-Limit fee: $29.00

+You understand that the terms of your Account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement.
*The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.25% prime rate on 4/07/03.

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