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Quarterly Annual Percentage Rate (APR)
For newly opened accounts, the daily periodic rate used to figure the interest will be a variable rate, subject to quarterly changes, and based on prime rate. The prime rate we use is the U.S. prime rate published in the Money Rates section of The Wall Street Journal on the first business day of the month preceding the month of the rate change date. If more than one U.S. prime rate is published on that day, the average of the prime rates will be used. If the prime rate is no longer published or is otherwise unavailable, we may select a comparable rate. The rate change date for each quarter is the first day of the first billing cycle beginning on or after January 1, April 1, July 1 and October 1. The daily periodic rate for a billing cycle is figured by adding 24.74 percentage points to the prime rate for that billing cycle and dividing the sum by 365.

For example, the most recent quarterly Annual Percentage Rate (APR) review date was December 1, 2010. On that day, the applicable prime rate was 3.25%. Therefore, the variable rate will be 27.99% APR for newly opened accounts effective January 1, 2011. You will be advised of any update to the APR on subsequent effective dates.