|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||11.89% This APR will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||11.89% This APR will vary with the market based on the Prime Rate.|
|APR for Cash Advances||11.89% This APR will vary with the market based on the Prime Rate.|
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||None|
|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|
1% of amount of purchase
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Variable Rate Information: The rate is adjusted monthly based on adding 8.64% APR to the Prime Rate as published by the Wall Street Journal.