INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers	10.99%, 11.99%, or 14.99% depending on your credit history.
Penalty APR and When it Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month.
Minimum Interest Charge	None
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 Federal Reserve Board at http://www.federalreserve.gov/creditcard

FEES:
Fees to Open or Maintain your Account - Annual Fee: - Application Fee: - Inactivity Fee:	None None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction:	None None 1% of each transaction in U.S. dollars.
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment:	Up to $15.00 if your payment is late 10 days or more. None Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers	14.99%, 16.99%, or 17.99% depending on your credit history.
Penalty APR and When it Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month.
Minimum Interest Charge	None
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 Federal Reserve Board at http://www.federalreserve.gov/creditcard

FEES:
Fees to Open or Maintain your Account - Annual Fee: - Application Fee: - Inactivity Fee:	None None None
Transaction Fees - Balance Transfer: - Cash Advance: - Foreign Transaction:	None None 1% of each transaction in U.S. dollars.
Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment:	Up to $15.00 if your payment is late 10 days or more. None Up to $25.00 if your payment is returned for any reason.

Rates as low as 14.99% APR entitled you to great advantages like:
- Warranty Manager Service
- Rewards Program
- OnLine Account Access
- Auto Rental Insurance
- Travel & Emergency Assistance
- No Variable Rates

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."