Below are the current Cardholder Agreement and Account Opening Disclosures.*

Cardholder Agreement

Variable Rate Options
Prime + 4.9%
Prime + 5.9%
Prime + 6.9%
Prime + 7.9%
Prime + 8.9%
Prime + 10.9%

Fixed Rate Options
13.9% Fixed Rate
15.9% Fixed Rate

*FCRA Risk-Based Pricing Notice: The terms offered are set based on whole or in part on information obtained in a report from the consumer reporting agency listed below. Effective December 1, 2004, you have a right under the Fair Credit Reporting Act to obtain a free copy of the report from the consumer reporting agency: Equifax Information Services, LLC, Mail drop H-13, 1550 Peachtree Street, Atlanta, GA 30309, (800)685-1111.