Choose The Plan That Works For You

	Standard	Platinum
Fixed Annual Percentage Rate (APR)	10.90%	8.90%
Other APR (cash advance)	10.90%	8.90%
Grace Period for Purchases	25 Days	25 Days
Method of Computing Balance	Average Daily Balance	Average Daily Balance
Annual Membership Fee	NONE	NONE
Minimum Finance Charge	NONE	NONE
Foreign Transaction Fee	1% of transaction amount	1% of transaction amount
Balance Transfer Fee	NONE	NONE
Late Payment Fee	10% of the past due date*	10% of the past due date*
Over-the-Credit-Limit Fee	NONE	NONE

*If ten (10) or more days late. Late payments and over-limit transactions violate your account agreement. However, the fee will not exceed $20.00.

Periodic Rates

Standard: The Purchase and Cash Advance Annual Percentage Rate is 10.90%, which is a daily periodic rate of 0.0299%.

Platinum: The Purchase and Cash Advance Annual Percentage Rate is 8.90%, which is a daily periodic rate of 0.0244%.

Other Fees Include

• Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
• Rush Fee (2 day delivery): $27.50
• Rush Fee (Overnight delivery): $55.00
• Collection Fees: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees