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|  | *A low fixed 0% introductory APR on Purchase and/or Balance Transfers applies for the first six billing cycles following the opening of your account (the introductory period); thereafter your variable APR for Purchases and/or Balance Transfers is 18.24%. Cash Advance APR is a variable APR currently 24.24%. During the introductory period, if we do not receive at least the Minimum Payment Due during any billing cycle, you exceed your Credit Limit or you close your account, any introductory rate on Purchases and Balance Transfers will terminate and will be adjusted to the Standard Rates. If at any time during any rolling consecutive twelve billing cycle period, including the introductory period, you fail to make two Minimum Payments on a timely basis or exceed your Credit Limit twice, we may elect to increase your Purchases, Cash Advance and/or Balance Transfer APRs to a variable rate as high as 32.24%. All variable rate disclosures are based on the Prime Rate of 8.25% in effect on 06/30/2006. Minimum finance chare is $1.50. Late Payment Fees: $19 for total balances less than $100, $29 for total balances $100 to $1,000, $39 for total balances great than$1,000. Over the Credit Limit Fee: $35. Cash Advance Fees (including Overdraft Protection): 3% of each advance (min. $10). Foreign Currency Conversion Fee: 3% of foreign transaction. Credit is subject to approval. Normal credit standards apply. Credit cards issued by Bank of America, N.A. (USA). 1Earn up to 75,000 miles per year with the Gold card and 50,000 miles with the Classic card. |
