Interest rates and interest charges

Annual percentage rate (APR) for cash advances

This APR will vary with the market based on the Prime Rate. *

Paying interest

You will be charged interest on each advance from the transaction date.

Fees

Annual fee

$0

Penalty fee  - late payment

$25

How we will calculate your balance

We use a method called the “daily balance (including current transactions).” See your account agreement for more details.

Billing rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

No limits on rate changes; the effect of rate increases

The APR and daily periodic rate may change monthly. There are no limits on the amount of changes to the APR or daily periodic rate. An increase in the APR and daily periodic rate will cause an increase in your required payments.

*Variable rate information: The quoted APR is current as of and is variable based on the Prime Rate plus a margin of . As of , the Prime Rate is . The APR may change at any time prior to or after account opening. After account opening, the APR may change monthly as described in your account agreement. The current daily periodic rate corresponding to the APR is . Because it corresponds to the APR, it is also variable and may change prior to or after account opening and, after the account is opened, may change monthly. See your account agreement for more details at “Calculation of Interest Charges; Daily Balance Method (including current transactions).”