How We Will Calculate Your Balance: We figure the INTEREST CHARGE on each Card Account by multiplying the applicable “Monthly Periodic Rate” by the “Average Daily Balance” of each Balance Category on the Card Account, including current transactions. Balance Categories include Purchases, Balance Transfers, Cash Advances, Introductory Rates and any special rate offers we may make available from time to time. If you are charged interest, the charge may be less than $1.00 (the minimum interest charge will appear as “Minimum Charge” in the fees section of your statement).

Average Daily Balance. To obtain the daily balance for each Balance Category we take the beginning balance each day and add new transactions applicable to each category, and subtract any payments, credits, and refunds applied to the category. To figure your Average Daily Balance for each Balance Category, we add all your daily balances and divide by the number of days in the billing period. We calculate interest in this manner separately for Purchases, Balance Transfers, Cash Advances and each promotional rate balance.

Monthly Periodic Rate. We compute the INTEREST CHARGE for each Balance Category by multiplying these Average Daily Balances by the applicable Monthly Periodic Rate. To determine the Monthly Periodic Rate for each Balance Category, we divide the applicable ANNUAL PERCENTAGE RATE in effect for the billing period by 12 months. The way we get the ANNUAL PERCENTAGE RATE for each Balance Category is described below.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Prime Rate: Variable APRs are based on the 6.75% Prime Rate as of Jan 09, 2026.

Purchase APR: For Purchase transactions, we add a Margin of 4.74% to the Prime Rate of 6.75. The Purchase APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 17.74%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.66583% and no greater than 1.47833%.

Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 4.74% to the Prime Rate of 6.75. The Balance Transfer APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 17.74%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.66583% and no greater than 1.47833%.

Cash APR: For Cash transactions, we add a Margin of 4.74% to the Prime Rate of 6.75. The Cash APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 17.74%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.66583% and no greater than 1.47833%.

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).