| Annual Percentage Rate (APR) |
Share Secured 8.90%
W - 10.90% I - 12.90%
S - 15.90% E - 17.90% |
| Other APRs: |
Balance Transfer:
APR: Share Secured8.90%
W - 10.90% I - 12.90%
S - 15.90% E - 17.90% Cash Advance:
APR: W - 10 .90% I - 12 .90%
S - 1 5 .90% E - 17.90%
Penalty APR: 17.90% |
| Rate Information |
Fixed |
| Grace Period for Repayment of Balance for Purchases |
25 days |
| Method of Computing the Balance for Purchases |
Average Daily Balance (including current transactions) To avoid incurring an additional finance charge on the balance of purchases (and cash advances if method G is specified as applicable to cash advances) reflected on your monthly statement and on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases extends to the Payment Due Date.
The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. |
| Annual Fee |
$0.00 |
| Minimum Finance Charge |
$1.00 |
| Transaction Fee for Purchases |
$0.00 |
| Transaction Fee for Cash Advances: |
$2.00 |
| Balance Transfer Fee: |
$0.00 |
| Late Payment fee: |
$25.00
(for payments received more
than 4 days after the due date, effective 2/1/07) |
| Over Credit Limit fee: |
$15.00 |
