| Terms & Conditions |
OPTION I -
FIXED-RATE PLATINUM |
OPTION II -
FIXED-RATE PLATINUM STUDENT VISA AND ADVANTAGE POINT VISA |
OPTION III -
VARIABLE-RATE PLATINUM |
OPTION V -- SHARE-SECURED FIXED-RATE VISA |
| Annual Percentage Rate for Purchases/Cash Advances/Balance Transfers |
9.9%-17.9%* |
13.9% |
Prime +3.0% - 8.00%
as of 4/30/08 |
13.9% |
| Variable-Rate Information |
The annual percentage rate will not vary. |
The annual percentage rate will not vary. |
The annual percentage rate will vary monthly. We will calculate the variable rate by adding 3.0% to the rate disclosed as the highest U.S. Prime Rate as reported in The Wall Street Journal on the last business day of the month. This rate will not be lower than 7.75% or higher than 18.9%. |
The annual percentage rate will not vary. |
| Grace Period for the Repayment of the Balance for Purchases |
25 days |
25 days |
25 days |
25 days |
| Method for Computing the Balances for Purchases |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
| Annual Fee |
None |
None |
None |
None |
| Minimum Finance Charge |
None |
None |
None |
None |
| Transaction Fee for Purchases & Cash Advances |
None |
None |
None |
None |
| Over-the-Limit Fee |
$25 |
$25 |
$25 |
None |
| Late Payment Fee |
$25 |
$25 |
$25 |
If the minimum periodic payment is more than $25.00, the charge will be equal to 5% of the minimum periodic payment or $25.00, whichever is less, but in no event less then $5.00.
However, this late charge will only be applied once to each periodic payment however long it remains in default. |
