GRACE PERIOD FOR REPAYMENT OF BALANCE FOR PURCHASES

ANNUAL
PERCENTAGE
RATE FOR
PURCHASES

OTHER APRs

GRACE PERIOD FOR
REPAYMENT OF BALANCE
FOR PURCHASES

METHOD OF
COMPUTING
THE BALANCE
FOR PURCHASES

ANNUAL
FEE

MINIMUM
FINANCE
CHARGE

LATE PAYMENT FEE

OVER CREDIT
LIMIT FEE

13.90%
MasterCard
9.90%
Gold MasterCard

MasterCard
Balance Transfer
APR: 13.90%
Cash Advance
APR: 13.90%
Gold MasterCard
Balance Transfer
APR: 9.90%
Cash Advance
APR: 9.90%

If you have paid your account
in full by the date shown on
the previous monthly
statement, or there is no
previous balance, you have
25 days to repay your account
balance before a finance
charge on current purchases
will be imposed.

Average Daily
Balance (including
new purchases)

None

If you do not pay your
minimum payment
within 10 days following
your payment due date, you may be charged a late fee equal to 5% of the payment with a $1.00 minimum charge and a $5.00 maximum charge.

If you make a purchase
or obtain a cash advance
which causes the
outstanding balance in your account to exceed
your credit limit by 10%,
you may be charged an
over-limit fee of $5.00.

The information about the costs of the card described in this Application and Agreement is accurate as of 7-1-03.
This information may have changed after that date. To find out what may have changed, write to us at PO Box 4003, Austin, TX 78765.