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Annual Percentage Rate (APR) for Purchases A fixed rate of 9%
Other APRs

Cash Advance APR: A fixed rate of 9%

Penalty APR: A fixed rate of 18% for purchases and 18% for cash advances
Grace Period for Purchases

25 Days
Finance Charge Calculation

Average Daily Balance (including new purchases)
Annual Fee

None
Cash Advance Fee

ATM cash advances: $N/A or N/A% of the cash advance, not to exceed $N/A.

Other cash advances: $N/A or N/A% of the cash advance, not to exceed $N/A.
Other Fees

Late Payment Fee: $25.00 or N/A% of the unpaid portion of the past due amount, not to exceed $25.00.

Over the limit fee: $25.00 or N/A% of the amount overlimit, not to exceed $25.00.

Balance Transfer Fee: $N/A or N/A% of the amount transferred, not to exceed $N/A.
Minimum Finance Charge

$0.00

Terms and Conditions: By signing or returning this application, I request you to open an account and issue card(s). I understand that I must provide all the information requested in the application, and I certify that such information is complete and accurate. I authorize you to verify the information on this application. I understand that the acceptance or use of any card issued, will be subject to the terms of this application and the Credit Card Agreement, and I agree to be responsible for all charges incurred according to such terms. I understand that if I fail to fulfill the terms of my credit obligations, you may submit a negative credit report reflecting on my credit record to a credit-reporting agency. I certify that I am at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico) or older as required to satisfy the minimum legal contracting age of my state. I understand that you have the right not to open my account if the information provided is incomplete, inaccurate or unverifiable; my name and or mailing address has been altered; or my application has been received after the expiration date. I understand that my credit line will be established based on my income, employment, and my credit report at the time I respond. If the information on my credit report has changed so that I no longer meet your requirements, you may choose to not issue a credit card.

OPT-OUT NOTICE: You were selected for this offer based upon the information in your credit report which satisfied our selection criteria for creditworthiness. Grant of this offer, after you respond to it, is conditioned upon your satisfying the creditworthiness criteria used to select you for the offer and upon your satisfying any applicable criteria bearing on your creditworthiness, including your income, employment, and any other information provided on your application. You will have the right to prohibit information contained in your credit report from being used in connection with any credit transaction that is not initiated by you. You may exercise this right by contacting the credit reporting agencies’ notification system at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen TX 75013, 1-888-567-8688; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, 1-888-567-8688; Trans Union LLC, Name Removal Option, P.O. Box 97328, Jackson, MS 39288-7328, 1-888-567-8688.

*If your minimum monthly payment is not received and your account becomes 1 cycle(s) past due 2 time(s) or more in the past 12 month(s), your rate will be increased to the penalty APR.
NY Residents: You may contact the New York State Banking Department at 800-518-8866 to obtain a comparative listing of credit card rates, fees and grace periods. We may obtain your credit report in connection with this extension of credit, and subsequently for updates, collection or other legitimate purposes associated with extension of the credit. Upon your request, we will inform you whether we obtained a credit report, and if so, the name and addresses of the consumer reporting agency that furnished the report.

WI Residents: No agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of the provision.

OH Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and the credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers compliance with this law.

VT Residents: By responding to this offer, you consent to our obtaining your credit report in connection with this extension of credit, and subsequent credit reports for the purpose of reviewing the account, increasing the credit line, taking collection action or other legitimate purposes associated with your account.
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