Annual Percentage Rate (APR) for Purchases 0% until the last day of the billing period ending during October 2008*; then the standard APR, a rate between 10.99% and 18.99%** Other APRs Balance Transfers: 0% until the last day of the billing period ending during October 2008**; then the standard APR for purchases Default Rate: Up to 28.99%* Cash Advances: 22.99% Grace Period for Repayment of the Balance of Purchases At least 25 days when you pay your balance in full each month Method of Computing the Balance for Purchases Two-cycle Average Daily Balance (including new purchases) Annual Fee: NONE Minimum Finance Charge: $.50