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Your variable rates may change when the Prime Rate changes.We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of each month.You may also include shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you.

Your due date is at least 25 days after the close of each billing cycle.

We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month.

We will begin charging interest on cash advances on the transaction date.

You may include personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividends, retirement, and public assistance.

If the Journal is not published on that day, then see the immediately preceding edition.Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods: Purchase APR: Prime plus 21.49%; Transfer APR: Prime plus 21.49%; Cash Advance APR: Prime plus 21.49%.

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