Military Annual Percentage Rate Statement
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).

Payment Obligation Disclosure
Federal law requires that you receive a clear description of your required payments. Minimum Payment - If your New Balance exceeds $30.00, the Total Minimum Amount Due will be the sum of (i) the Minimum Payment which is either 7% of your New Balance at the end of the Billing Cycle rounded up to the next dollar, or $30.00 (whichever is more), or the entire New Balance if the New Balance is less than $30.00, and (ii) any Past Due Amount. The amount requested as the Total Minimum Amount Due on your Statement will also include the amount by which the New Balance exceeds your credit limit. Failure to pay the Amount Over Limit Due as requested on your Statement will not, by itself, cause your Credit Account to be delinquent. You may pay your entire balance at any time. We must receive your payment on or before the Payment Due Date shown on your Statement. Payment(s) received in Proper Form will be credited as of the date of receipt at the address on the payment coupon of your Statement if received by 5:00pm Central Time, Monday through Friday (excluding federal holidays).

To obtain these disclosures orally as required by Federal law, please call toll free 1-800-987-3660.