Current Rates: Credit Cards

The following rates are effective on September 1, 2010, and subject to change without notice.

	Smart Rate	Smart Rewards
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers	9.25%	10.25%
Variable-rate Information	The rate is determined by adding 6.0% (the "margin") to the highest Prime Rate as published in Money Rates Section of the Wall Street Journal in effect on the last day of each calendar quarter (the "index"). Read the Disclosure>	The rate is determined by adding 7.0% (the "margin") to the highest Prime Rate as published in Money Rates Section of the Wall Street Journal in effect on the last day of each calendar quarter (the "index"). Read the Disclosure>
Grace period for repayment of balances for purchases	25 days from the last day of the billing cycle on which the purchase appears
Method of computing the balance for purchases	The average daily balance (including purchases)
Annual Fee(s)	None
Minimum finance charge	None
Transaction fee for cash advances:	None
Balance Transfer Fee:	None
Late Payment Fee:	$28

Updated September 1, 2010