Page|17

2.6.3.E3

SampleCreditCardOffer2
InterestRatesandInterestCharges
AnnualPercentage 14.99%
Rate(APR)for ThisisavariablerateAPRthatwillvarywiththemarketbasedonthePrimeRate.
Purchases
APRforBalance 0%introductoryAPRforsixmonths.Afterthat,yourBalanceTransferAPRwillbe18.99%
Transfers ThisAPRwillvarywiththemarketbasedonthePrimeRate
APRforCash 24.99%
Advances ThisAPRwillvarywiththemarketbasedonthePrimeRate
PenaltyAPRand 29.99%
WhenitApplies ThisAPRmaybeappliedtoyouraccountifyou:
1. Makealatepayment;
2. Gooveryourcreditlimit;
3. Makeapaymentthatisreturned;or
4. Doanyoftheaboveonanotheraccountthatyouhavewithus.
HowlongwillthePenaltyAPRapply?IfyourAPRsareincreasedforanyofthesereasons,
thePenaltyAPRwillapplyuntilyoumakesixconsecutiveminimumpaymentswhendue.
HowtoAvoidPaying Yourduedateisatleast25daysafterthecloseofeachbillingcycle.Wewillnotchargeyou
InterestonPurchases anyinterestonpurchasesifyoupayyourentirebalancebytheduedateeachmonth.
MinimumInterest Thereisnominimuminterestcharge.
Charge
ForCreditCardTips Tolearnmoreaboutfactorstoconsiderwhenapplyingfororusingacreditcard,visitthe
fromtheFederal websiteoftheFederalReserveBoardathttp://www.federalreserve.gov/creditcard
ReserveBoard
Fees
Setupand NOTICE:Someofthesesetupandmaintenancefeeswillbeassessedbeforeyoubeginusing
MaintenanceFees yourcardandwillreducetheamountofcredityouinitiallyhaveavailable.Forexample,if
youareassignedtheminimumcreditlimitof$250,initialavailablecreditwillbeonlyabout
$209.
AnnualFee:$0
AccountSetupFee:$20(onetimefee)
ParticipationFee:$15annually
AdditionalCardFee:$5annually(ifapplicable)
TransactionFees BalanceTransfer:Either$25or5%oftheamountofeachtransfer,whicheveris
greater(maximumfee:$100)
CashAdvance:Either$25or5%oftheamountofeachcashadvance,whicheveris
greater
ForeignTransaction:3%ofeachtransactioninU.S.dollars
PenaltyFees LatePayment:$30
Overthelimit:$30
ReturnedPayment:$30
*HowWeWillCalculateYourBalance:Weuseamethodcalledaveragedailybalance(includingnewpurchases).
*LossofIntroductoryAPRWemayendyourintroductoryAPRandapplythePenaltyAPRifyoubecomemorethan60
dayslateinpayingyourbill

TakeChargeTodayMay2014UnderstandingCreditCards
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona