Credit Cards Rewards and Deferred Interest Products Focus Groups

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PRICING INFORMATION
INTEREST RATES AND INTEREST CHARGES
Purchase Annual
Percentage Rate (APR)

15.99%. This APR will vary with the market based on the Prime Rate.a

Balance Transfer APR

15.99%. This APR will vary with the market based on the Prime Rate.a

Cash Advance APR

19.24%. This APR will vary with the market based on the Prime Rate.b

Overdraft Advance APR

19.24%. This APR will vary with the market based on the Prime Rate.b

Penalty APR and When It Up to 29.99%. This APR will vary with the market based on the Prime Rate.c
Applies
The Penalty APR may be applicable to your Account if you:
• fail to make any Minimum Payment by the date and time due (late payment);
or
• make a payment to us that is returned unpaid.
How Long Will the Penalty APR Apply: If your APRs are increased for any of
these reasons, the Penalty APR may apply indefinitely.
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 interest on purchases if you pay your entire balance by
the due date each month. We will begin charging interest on balance transfers,
cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge None
Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card,
Consumer Financial
visit the website of the Consumer Financial Protection Bureau at
Protection Bureau
http://www.consumerfinance.gov/learnmore.

FEES
Annual Membership Fee
Transaction Fees
Balance Transfers
Cash Advances
Foreign Transactions
Penalty Fees
Late Payment
Return Payment
Return Check

$0 Intro fee for the first year. After that, $95
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each transaction, whichever is greater.
None
Up to $15 if the balance is less than $100; up to $25 if the balance is $100 to
less than $250; up to $35 if the balance is $250 or more.
Up to $35.
None

Note: This account may not be eligible for balance transfers.
How We Will Calculate Your Balance: We use the daily balance method (including new transactions).
Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 04/17/2014.
a We add 12.74% to the Prime Rate to determine the Purchase/Balance Transfer APR.
b We

add 15.99% to the Prime Rate to determine the Cash Advance/Overdraft Advance APR.

c We

add up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99%.

CONFIDENTIAL

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