Annual Percentage Rate (APR) for Purchases - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin. APR for Balance Transfers - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin. APR for Cash Advances - 17.50%. Your APR will vary with the market based on the Prime Rate plus a margin.
Penalty APR 21.50% will vary with the market based on the Prime Rate plus a margin. The Penalty APR will apply to your Account if you: fail to make any Minimum Payment by the date and time due (late payment);exceed your credit line; make a payment to us that is returned unpaid; or do any of the above on another account or loan you have with us or any of our related companies. Paying Interest - There is no period in which you can avoid paying interest. We begin charging interest from the posting date for purchases and the transaction date for cash advances. Minimum Interest - If you are charged interest. The charge will be no less than $1.00 For Credit Card Tips from the Federal Reserve Board - To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee - $29 annually. Expedited Card Fee - $50 (optional one-time fee) Balance Transfer 5% of the amount of each Balance Transfer Cash Advance - 5% of the amount of each Cash Advance Foreign Transaction - 3% of each Transaction in U.S. dollars
Penalty Fees Late Payment - Up to $20 Returned Payment - Up to $25

Credit Limit; Transaction Limits; (a) Your initial Credit Limit is disclosed on the card carrier used to deliver the Card to you. Your initial Credit Limit is based on the amount of Deposit Funds that you initially deposited to the Pledged Deposit Account. However, we will charge your $50.00 Annual Fee to your Account, which will reduce your Available Credit by that amount. (b) You may request an increase in your Credit Limit at any time or from time to time, provided that, notwithstanding any language in this Agreement to the contrary: (i) any increase will be subject to underwriting approval; (ii) your Credit Limit will never without our express approval exceed the amount of Deposit Funds in the Pledged Deposit Account or the amount that we reasonably believe will allow you to pay the Minimum Payment Due, together with your other monthly expenses, each month; (iii) any deposit of additional Deposit Funds must be in the form of a check, money order or wire transfer (and not an ACH payment); (iv) your Credit Limit may not exceed $3,000.00 during the first 120 days after your Account is opened;(v) your Credit Limit, together with the credit limit on any other secured credit card account we have established for you may never exceed $5,000.00; (vi) the amount of a Cash Advance may not be less than $20 and the outstanding balance of Cash Advances (including Balance Transfers and including Interest Charges and Fees treated as Cash Advances) may never exceed 50% of your Credit Limit; and (vii) we may delay increasing your Credit Limit for up to five (5) business days after we approve the increase in Credit Limit and receive additional Deposit Funds, in order to ensure that the payment to us has cleared. You agree to provide us from time to time with any information we reasonably request in order to assess your ability to make payments of the Minimum Payment Due based on the current Credit Limit or any contemplated Credit Limit.

CREDIT AVAILABILITY: Any charges for Optional Card Benefits will reduce your available credit. All account purchases and cash advances or any other fees and charges will reduce credit availability at the time they are charged to your account. Account related fees, if incurred, will continue to be charged even if your account is Overlimit.

General: Each Billing Cycle, will separately determine the Interest Charges on Purchases and the Interest Charges on Cash Advances (including Balance Transfers). Both for Purchases and Cash Advances (each, a Balance Type), we determine Interest Charges each Billing Cycle by multiplying the Balance Subject to Interest Charges by the daily Periodic Rate and by then multiplying the result by the number of days in the Billing Cycle. For each Balance Type, the Balance Subject to Interest Charges is the Average Daily Balance (including new Transactions). To get the total Interest Charges each Billing Cycle, we add together the Interest Charges for Purchases and the Interest Charges for Cash Advances.

Deposit Account Information and Disclosures: The Deposit Account will not pay interest. The minimum balance required to open the Deposit Account is $200; and may never exceed $3,000.