A quick response will be appreciated NotesIntroductory rate: Eligibility for the introductory rate is subject to yourmaintaining good credit. The rate indicated in this offer is subject to change toreflect changes in the prime rate (see below) at the time of your application.Default rate: All your APRS may increase if you default under any Card Agreementthat you have with us, because you fail to make a payment to us when due, youexceed your credit limit, or you make a payment to us that is not honored. Factorsconsidered when determining your default rate may include the length of time youraccount with us has been open; the existence, seriousness, and timing of defaultsunder any Card Agreement you have with us; or other indications of account usageand performance on this or any other account you have with us.Prime rate: The prime rate (currently 4%) used to determine your APRS for eachbilling period is the U.S. prime rate published in the Wall Street Journal twobusiness days prior to the billing date for that billing period.This credit card has an annual fee of $which is charged to the borrower's accountThe transaction fee for cash advances is% of the amount of the advance, with a minimum fee. This feechargedif you take a cash advance during the six-month introductory period.The transaction fee for balance transfers is| % with a minimum fee of $charged if you transfer balances fromThis feeanother credit account to this credit card during the six-month introductory period.If you make a payment by check and your check bounces, then you are charged a bounced-check fee of $If you make a late payment on the account, then you are assessed a late-payment fee. If you make a late payment with an account balance up to$500, then the late-payment fee is $payment fee is $However, if you make a late payment with an account balance greater than $500, then the late-If your balance exceeds the credit limit on the account (by either making excessive purchases or fees charged to the account), then you are assessedan over-the-limit fee of $each month that the balance exceeds the credit limit. Other APRS (all other APRS are variable)Balance transfers: The introductory rate is 0% until the first billing after the six-month anniversary of the opening of the account.After that, the rate will be 12.99%.Cash advances: 21.99%Default rate: 25.99% (see notes below)Variable rate informationYour APRS may vary during each billing period. The rate for purchases andbalance transfers is determined by adding 8.99% to the prime rate (see notesbelow). The rate for cash advances is determined by adding 17.99% to the primerate, but such a rate will never be below 21.99%. The default is determined byadding no more than 21.99% to the prime rate.Grace period for repayment of purchases Not less than 28 days if you pay your total new balance in full each billing periodby the due date. Payment must be received by 5:00 PM on the due date. There isno grace period for balance transfers and cash advances.Method of computing the balanceAverage daily balance (including new purchases)Annual fee$65Minimum finance charge$2.00Miscellaneous feesTransaction fee for cash advances: 5% of the amount of the transaction but notless than $30Transaction fee for balance transfers: 5% of the amount of the transfer but notless than $60. There is no balance transfer fee during the six-month introductoryperiod.Late fee: $20 on balances up to $500; $55 on balances over $500Over-the-limit fee: $55Bounced-check fee: $55NotesIntroductory rate: Eligibility for the introductory rate is subject to yourmaintaining good credit. The rate indicated in this offer is subject to change toreflect changes in the prime rate (see below) at the time of your application.Default rate: All your APRS may increase if you default under any Card Agreementthat you have with us, because you fail to make a payment to us when due, youexceed your credit limit, or you make a payment to us that is not honored. Factorsconsidered when determining your default rate may include the length of time youraccount with us has been open; the existence, seriousness, and timing of defaultsunder any Card Agreement you have with us; or other indications of account usage

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