Credit Disclosure:

Annual Percentage Rate for Purchases: 12.50%

Grace Period for Repayment of Balances for Purchases: 25 Days

Method of Computing the Balance for Purchases: Average Daily Balance (including new purchases)

Annual Fee: None

Minimum Finance Charge: None

Transaction Fee for Purchases: None

Transaction Fee for Cash Advances: None

Late Payment Fee: $20.00

Over the Credit Limit Fee: None

Other Fees and Charges:

Documentation Fee: $10.00

NSF Check Fee: $20.00

New or Replacement Card Fee: None

Card Recovery Fee: $65.00