| ANNUAL PERCENTAGE RATE: Purchases and balance transfers 16.15%. Cash advances 19.15%. VARIABLE RATE INFORMATION: Your annual percentage rate (APR) may vary. The rate is determined by adding a margin of 7.9% for purchases, 10.9% for cash advances to the Prime Rate as published in The Wall Street Journal on the third Thursday of each month. GRACE PERIOD FOR REPAYMENT OF BALANCES: 25 Days on purchases only. No grace period on cash advances. ANNUAL FEE: Option A: $29 per card. Option B: $30 for up to 3 cards, $10 each additional card. METHOD OF COMPUTING BALANCE: Average Daily Balance (including new purchases and cash advances). ADDITIONAL FEES: Late Payment Fee: $19 if balance is over $100 or less; $34 for balances between $100.01 and $1,000; $39 on balances over $1,000; Over Credit Limit Fee: $29; Cash Advance Fee: 3% of advance or $5.00 minimum; Returned Check, ACH or Autopay Fee: $29. The terms and conditions described above are accurate as of April 2, 2007. This information may change after that date. To find out what may have changed, call us at (800) 854-7642. Written inquiries should be sent to Card Service Center, P.O. Box 674824, Marietta, GA 30006-0005. |