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2.6.3.E4

SampleCreditCardOffer3
InterestRatesandInterestCharges
AnnualPercentage 11.99%,introductoryAPRforoneyear.
Rate(APR)for Afterthat,yourAPRwillbe15.99%.
Purchases
APRforBalance 14.99%
Transfers
APRforCash 20.99%
Advances
PenaltyAPRand 28.99%
WhenitApplies ThisAPRmaybeappliedtoyouraccountifyou:
1. Makealatepayment;
2. Gooveryourcreditlimit;
3. Makeapaymentthatisreturned;or
4. Doanyoftheaboveonanotheraccountthatyouhavewithus.
HowlongwillthePenaltyAPRapply?IfyourAPRsareincreasedforanyofthesereasons,
thePenaltyAPRwillapplyuntilyoumakesixconsecutiveminimumpaymentswhendue.
HowtoAvoidPaying Yourduedateisatleast25daysafterthecloseofeachbillingcycle.Wewillnotchargeyou
InterestonPurchases anyinterestonpurchasesifyoupayyourentirebalancebytheduedateeachmonth.
MinimumInterest Ifyouarechargedinterest,thechargewillbenolessthan$2.00.
Charge
ForCreditCardTips Tolearnmoreaboutfactorstoconsiderwhenapplyingfororusingacreditcard,visitthe
fromtheFederal websiteoftheFederalReserveBoardathttp://www.federalreserve.gov/creditcard
ReserveBoard
Fees
Setupand NOTICE:Someofthesesetupandmaintenancefeeswillbeassessedbeforeyoubeginusing
MaintenanceFees yourcardandwillreducetheamountofcredityouinitiallyhaveavailable.Forexample,if
youareassignedtheminimumcreditlimitof$250,initialavailablecreditwillbeonlyabout
$209.
AnnualFee:$15
AccountSetupFee:$10(onetimefee)
AdditionalCardFee:$10annually(ifapplicable)
TransactionFees BalanceTransfer:$0
CashAdvance:Either$10or3%oftheamountofeachcashadvance,whicheveris
greater
ForeignTransaction:3%ofeachtransactioninU.S.dollars
PenaltyFees LatePayment:$35
Overthelimit:$35
ReturnedPayment:$35
*HowWeWillCalculateYourBalance:Weuseamethodcalledaveragedailybalance(excludingnewpurchases).
*LossofIntroductoryAPRWemayendyourintroductoryAPRandapplythePenaltyAPRifyoubecomemorethan60
dayslateinpayingyourbill

TakeChargeTodayMay2014UnderstandingCreditCards
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona